0001387131-13-003551.txt : 20130930 0001387131-13-003551.hdr.sgml : 20130930 20130930152849 ACCESSION NUMBER: 0001387131-13-003551 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 12 CONFORMED PERIOD OF REPORT: 20130630 FILED AS OF DATE: 20130930 DATE AS OF CHANGE: 20130930 FILER: COMPANY DATA: COMPANY CONFORMED NAME: JEFFERSON BANCSHARES INC CENTRAL INDEX KEY: 0001222915 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 450508261 STATE OF INCORPORATION: TN FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-50347 FILM NUMBER: 131123113 BUSINESS ADDRESS: STREET 1: JEFFERSON FEDERAL SAVINGS & LOAN ASSOC STREET 2: 120 EVANS AVENUE CITY: MORRISTOWN STATE: TN ZIP: 37814 BUSINESS PHONE: 4235868421 MAIL ADDRESS: STREET 1: JEFFERSON FEDERAL SAVINGS & LOAN ASSOC STREET 2: 120 EVANS AVENUE CITY: MORRISTOWN STATE: TN ZIP: 37814 10-K 1 jbfi-10k_063013.htm ANNUAL REPORT jbfi-10k_063013.htm


U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 10-K
 
x
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended June 30, 2013

o
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _____________ to _____________

Commission File Number: 0-50347
 
JEFFERSON BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
 
Tennessee
 
 45-0508261
(State or other jurisdiction of
incorporation or organization)
 
(I.R.S. Employer Identification No.)

120 Evans Avenue, Morristown, Tennessee
 
37814
(Address of principal executive offices)
 
 (Zip Code)

Registrant’s telephone number, including area code: (423) 586-8421
 
Securities registered pursuant to Section 12(b) of the Act:
 
 Title of each class
 
Name of each exchange on which registered
Common Stock, par value $0.01
 
The NASDAQ Stock Market LLC
 
Securities registered pursuant to Section 12(g) of the Act: None
 
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes No x
 
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes o No x
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No o
 
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
Yes No o
 
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of the registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. x
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):
Large Accelerated Filer o            Accelerated Filer o
Non-accelerated Filer o              Smaller Reporting Company x
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 16b-2 of the Exchange Act). Yes o No x
 
The aggregate market value of the voting and non-voting common equity held by non-affiliates was $16,333,688 million, based upon the closing price ($2.70 per share) as quoted on the Nasdaq Global Market as of the last business day of the registrant’s most recently completed second fiscal quarter (December 30, 2012).
 
The number of shares outstanding of the registrant’s common stock as of September 13, 2013 was 6,597,739.
 
DOCUMENTS INCORPORATED BY REFERENCE
Portions of the Proxy Statement for the 2013 Annual Meeting of Shareholders
are incorporated by reference in Part III of this Form 10-K.

 
 


 
 
INDEX

Part I
 
 
  Part II
 
 
Part III
 
 
Part IV
 

 
 
i

 
 
Note on Forward Looking Statements:

This report, as well as other written communications made from time to time by Jefferson Bancshares, Inc. (the “Company”) and subsidiaries and oral communications made from time to time by authorized officers of the Company, may contain statements relating to the future results of the Company (including certain projections, such as earnings projections, necessary tax provisions, and business trends) that are considered “forward looking statements” as defined in the Private Securities Litigation Reform Act of 1995 (the “PSLRA”). Such forward-looking statements may be identified by the use of such words as “intend,” “believe,” “expect,” “should,” “planned,” “estimated,” and “potential.” For these statements, the Company claims the protection of the safe harbor for forward-looking statements contained in the PSLRA. The Company’s ability to predict future results is inherently uncertain and the Company cautions you that a number of important factors could cause actual results to differ materially from those currently anticipated in any forward-looking statement. These factors include but are not limited to:
 
 
 
The strength of the United States economy in general and the strength of the local economies in which the Company conducts its operations which may be less favorable than expected and may result in, among other things, a deterioration in the credit quality and value of the Company’s assets;
 
 
 
The economic impact of past and any future terrorist attacks, acts of war or threats thereof and the response of the United States to any such threats and attacks;
 
 
 
The effects of, and changes in, federal, state and local laws, regulations and policies affecting banking, securities, insurance and monetary and financial matters;
 
 
 
The effects of changes in interest rates (including the effects of changes in the rate of prepayments of the Company’s assets) and the policies of the Board of Governors of the Federal Reserve System;
 
 
 
The ability of the Company to compete with other financial institutions as effectively as the Company currently intends due to increases in competitive pressures in the financial services sector;
 
 
 
The inability of the Company to obtain new customers and to retain existing customers;
 
 
 
The timely development and acceptance of products and services, including products and services offered through alternative delivery channels such as the Internet;
 
 
 
Technological changes implemented by the Company and by other parties, including third party vendors, which may be more difficult or more expensive than anticipated or which may have unforeseen consequences to the Company and its customers;
 
 
 
The ability of the Company to develop and maintain secure and reliable electronic systems;
 
 
 
The ability of the Company to retain key executives and employees and the difficulty that the Company may experience in replacing key executives and employees in an effective manner;
 
 
 
Consumer spending and saving habits which may change in a manner that affects the Company’s business adversely;
 
 
 
Business combinations and the integration of acquired businesses which may be more difficult or expensive than expected;
 
 
 
The costs, effects and outcomes of existing or future litigation;
 
 
 
Changes in accounting policies and practices, as may be adopted by state and federal regulatory agencies and the Financial Accounting Standards Board; and
 
 
 
The ability of the Company to manage the risks associated with the foregoing as well as anticipated.
 
Additional factors that may affect our results are discussed in this annual report on Form 10-K under “Item 1A, Risk Factors.” These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake and specifically disclaims any obligation to update any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.
 
 
ii

 
 

BUSINESS

General

Jefferson Bancshares, Inc. (also referred to herein as the “Company” or “Jefferson Bancshares”) is the holding company for Jefferson Federal Bank.
 
In connection with the Company’s acquisition of State of Franklin Bancshares, Jefferson Federal Bank merged with and into State of Franklin Savings Bank, the wholly owned subsidiary of State of Franklin Bancshares. The resulting institution continues to operate as a Tennessee chartered savings bank under the name “Jefferson Federal Bank” (also referred to herein as the “Bank” or “Jefferson Federal”).
 
Management of the Company and the Bank are substantially similar and the Company neither owns nor leases any property, but instead uses the premises, equipment and furniture of the Bank. Accordingly, the information set forth in this report, including the consolidated financial statements and related financial data, relates primarily to the Bank.
 
Jefferson Federal operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. Jefferson Federal attracts deposits from the general public and uses those funds to originate loans, most of which it holds for investment.
 
Available Information
 
We maintain an Internet website at http://www.jeffersonfederal.com. We make available our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and amendments to such reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities and Exchange Act of 1934, as amended, and other information related to us, free of charge, on this site as soon as reasonably practicable after we electronically file those documents with, or otherwise furnish them to, the Securities Exchange Commission. Our Internet website and the information contained therein or connected thereto are not intended to be incorporated into this annual report on Form 10-K. This annual report on Form 10-K has not been reviewed, or confirmed for accuracy or relevance, by the Securities and Exchange Commission, the Federal Deposit Insurance Corporation or any other governmental authority.
 
Market Area
 
We are headquartered in Morristown, Tennessee, which is situated approximately 40 miles northeast of Knoxville, Tennessee in the northeastern section of the state. We consider our primary market areas to consist of: (i) Hamblen County, Tennessee, and its contiguous counties; (ii) Knoxville, Tennessee, and its surrounding areas; and (iii) the greater Johnson City, Tennessee, Kingsport, Tennessee, and Virginia region (the “Tri-Cities region”).
 
We currently operate two full-service branch offices and two limited-service drive-through facilities in Hamblen County, Tennessee. The economy of Hamblen County, which has an estimated population of 62,000, is primarily oriented to manufacturing and agriculture. Morristown and Hamblen County also serve as a hub for retail shopping and medical services for a number of surrounding rural counties. The manufacturing sector is focused on three types of products: automotive and heavy equipment components; plastics, paper and corrugated products; and furniture. According to published statistics, the unemployment rate in Hamblen County was 10.0% as of June 2013, the most recent period for which data is available, which was above the national and state unemployment rates at that time.
 
We also currently operate two full-service branch offices in Knoxville, Tennessee. Knoxville’s population is approximately 183,000 and its economy is largely fueled by the location of the main campus of the University of Tennessee, the Oak Ridge National Laboratory, the National Transportation Research Center and the Tennessee Valley Authority. Additionally, Knoxville has many warehousing and distribution companies because of its central location in the eastern half of the United States. The unemployment rate for the Knoxville metropolitan statistical area was 7.5% as of June 2013, which was below the national and state unemployment rates at that time.

 
1

 
 
We also currently operate six full-service branch offices in the Tri-Cities region, which is comprised of of Kingsport, Tennessee, Johnson City, Tennessee and Bristol, Tennessee and the surrounding areas. The population of the Tri-Cities region is approximately 500,000 and its economy is largely fueled by manufacturing and trade services. The unemployment rate for the Tri-Cities region combined statistical area was 8.4% as of June 2013, which was above the national unemployment rate and slightly below the state unemployment rate at that time.
 
Competition
 
We face significant competition for the attraction of deposits and origination of loans. Our most direct competition for deposits has historically come from the several financial institutions operating in our market area and, to a lesser extent, from other financial service companies, such as brokerage firms, credit unions and insurance companies. We also face competition for investors’ funds from money market funds and other corporate and government securities. At June 30, 2012, which is the most recent date for which data is available from the Federal Deposit Insurance Corporation, we held: (i) 22.58% of the deposits in Hamblen County, which is the largest market share out of nine financial institutions with offices in the county at that date; (ii) 0.27% of the deposits in the Knoxville, Tennessee, metropolitan statistical area, which is the 30th largest market share out of 44 financial institutions with offices in the metropolitan statistical area at that date; (iii) 4.77% of the deposits in the Johnson City, Tennessee metropolitan statistical area, which is the ninth largest market share out of 22 financial institutions located in the metropolitan statistical area at that date; and (iv) 1.06% of the deposits in the Kingsport, Tennessee-Bristol, Virginia metropolitan statistical area, which is the 20th largest market share out of 31 financial institutions located in the metropolitan statistical area at that date. Banks owned by SunTrust Banks, Inc., First Tennessee National Corporation and Regions Financial Corporation and other large regional bank holding companies also operate in our primary market areas. These institutions are significantly larger than us and, therefore, have significantly greater resources.
 
Our competition for loans comes primarily from financial institutions in our market area, and to a lesser extent from other financial service providers, such as mortgage companies and mortgage brokers. Competition for loans also comes from non-depository financial service companies, such as insurance companies, securities companies and specialty finance companies.
 
We expect to continue to face significant competition in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry. Technological advances, for example, have lowered barriers to entry, allowed banks to expand their geographic reach by providing services over the Internet and made it possible for non-depository institutions to offer products and services that traditionally have been provided by banks. Federal law permits affiliation among banks, securities firms and insurance companies, which promotes a competitive environment in the financial services industry. Competition for deposits and the origination of loans could limit our growth in the future.
 
Lending Activities
 
General. Our loan portfolio consists of a variety of mortgage, commercial and consumer loans. As a community-oriented financial institution, we try to meet the borrowing needs of consumers and businesses in our market area. Mortgage loans constitute a significant majority of the portfolio, and commercial mortgage loans are the largest segment in that category.
 
One- to Four-Family Residential Loans. We originate mortgage loans to enable borrowers to purchase or refinance existing homes or to construct new one- to four-family homes. We offer fixed-rate mortgage loans with terms up to 30 years and adjustable-rate mortgage loans with terms up to 30 years. Borrower demand for adjustable-rate loans versus fixed-rate loans is a function of the level of interest rates, the expectations of changes in the level of interest rates, the difference between the interest rates and loan fees offered for fixed-rate mortgage loans and the first year interest rates and loan fees for adjustable-rate loans. The relative amount of fixed-rate mortgage loans and adjustable-rate mortgage loans that can be originated at any time is largely determined by the demand for each in a competitive environment and the effect each has on our interest rate risk.
 
 
2

 
 
The loan fees charged, interest rates and other provisions of mortgage loans are determined by us on the basis of our own pricing criteria and competitive market conditions. Interest rates and payments on our adjustable-rate loans generally are adjusted annually based on any change in the National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders as published by the Federal Housing Finance Board. Changes in this index tend to lag behind changes in market interest rates. Our adjustable-rate mortgage loans may have initial fixed-rate periods ranging from one to seven years.
 
We originate all adjustable-rate loans at the fully indexed interest rate. The maximum amount by which the interest rate may be increased or decreased is generally 2% per year and the lifetime interest rate cap is generally 5% over the initial interest rate of the loan. Our adjustable-rate residential mortgage loans generally do not provide for a decrease in the rate paid below the initial contract rate. The inability of our residential real estate loans to adjust downward below the initial contract rate can contribute to increased income in periods of declining interest rates, and also assists us in our efforts to limit the risks to earnings and equity value resulting from changes in interest rates, subject to the risk that borrowers may refinance these loans during periods of declining interest rates.
 
While one- to four-family residential real estate loans are normally originated with up to 30-year terms, such loans typically remain outstanding for substantially shorter periods because borrowers often prepay their loans in full upon sale of the property pledged as security or upon refinancing the original loan. In addition, substantially all of the mortgage loans in our loan portfolio contain due-on-sale clauses providing that Jefferson Federal may declare the unpaid amount due and payable upon the sale of the property securing the loan. Jefferson Federal enforces these due-­on-sale clauses to the extent permitted by law. Therefore, average loan maturity is a function of, among other factors, the level of purchase and sale activity in the real estate market, prevailing interest rates and the interest rates payable on outstanding loans.
 
In addition to originating loans for our portfolio, we originate loans for the secondary mortgage market. Loans are sold without recourse and on a servicing-released basis. We generally do not make conventional loans with loan-to-value ratios exceeding 85% and generally make loans with a loan-to-value ratio in excess of 85% only when secured by first liens on owner-occupied, one- to four-family residences. Loans with loan-to-value ratios in excess of 90% generally require private mortgage insurance or additional collateral. We require all properties securing mortgage loans in excess of $250,000 to be appraised by a board-approved appraiser. We require title insurance on all mortgage loans in excess of $25,000. Borrowers must obtain hazard or flood insurance (for loans on property located in a flood zone) prior to closing the loan.
 
Home Equity Lines of Credit. We offer home equity lines of credit on single family residential property in amounts up to 80% of the appraised value. Rates and terms vary by borrower qualifications, but are generally offered on a variable rate, open-end term basis with maturities of ten years or less.
 
Commercial Real Estate and Multi-Family Loans. An important segment of our loan portfolio is mortgage loans secured by commercial and multi-family real estate. Our commercial real estate loans are secured by professional office buildings, shopping centers, manufacturing facilities, hotels, vacant land, churches and, to a lesser extent, by other improved property such as restaurants and retail operations.
 
We originate both fixed- and adjustable-rate loans secured by commercial and multi-family real estate with terms up to 20 years. Fixed-rate loans have provisions that allow us to call the loan after five years. Adjustable-rate loans are generally based on prime and adjust monthly. Loan amounts generally do not exceed 85% of the lesser of the appraised value or the purchase price. When the borrower is a corporation, partnership or other entity, we generally require personal guarantees from significant equity holders. Currently, it is our philosophy to originate commercial real estate loans only to borrowers known to us and on properties in or near our market area.
 
At June 30, 2013, loans with principal balances of $500,000 or more secured by commercial real estate totaled $75.3 million, or 62.7% of commercial real estate loans, and loans with principal balances of $500,000 or more secured by multi-family properties totaled $10.8 million, or 80.0% of multi-family loans. At June 30, 2013, 14 commercial real estate loans totaling $3.8 million were nonaccrual loans.
 
 
3

 
 
Construction Loans. We originate loans to finance the construction of one- to four-family homes and, to a lesser extent, multi-family and commercial real estate properties. At June 30, 2013, $2.0 million of our construction loans was for the construction of one- to four-family homes and $4.7 million was for the construction of commercial or multi-family real estate. Construction loans are generally made on a “pre-sold” basis; however, contractors who have sufficient financial strength and a proven track record are considered for loans for model and speculative purposes, with preference given to contractors with whom we have had successful relationships. We generally limit loans to contractors for speculative construction to a total of $350,000 per contractor. Construction loans generally provide for interest-only payments at fixed-rates of interest and have terms of six to 12 months. At the end of the construction period, the loan generally converts into a permanent loan. Construction loans to a borrower who will occupy the home, or to a builder who has pre-sold the home, will be considered for loan-to-value ratios of up to 85%. Construction loans for speculative purposes, models and commercial properties may be considered for loan-to-value ratios of up to 80%. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant. We generally use in-house inspectors for construction disbursement purposes; however, we may rely on architect certifications and independent third party inspections for disbursements on larger commercial loans.
 
Land Loans. We originate loans secured by unimproved property, including lots for single family homes, raw land, commercial property and agricultural property. We originate both fixed- and adjustable-rate land loans with terms up to 20 years. Adjustable-rate loans are generally based on prime and adjust monthly. Loans secured by unimproved commercial property or for land development generally have five-year terms with a longer amortization schedule.
 
At June 30, 2013, our largest land loan had an outstanding balance of $3.6 million and was secured by vacant land. At June 30, 2013, loans with principal balances of $500,000 or more secured by unimproved property totaled $9.6 million, or 42.9% of land loans. At June 30, 2013, 14 land loans totaling $1.0 million were nonaccrual loans.
 
Commercial Business Loans. We extend commercial business loans on an unsecured and secured basis. Secured loans generally are collateralized by industrial/commercial machinery and equipment, livestock, farm machinery and, to a lesser extent, accounts receivable and inventory. We originate both fixed- and adjustable-rate commercial loans with terms up to 15 years. Fixed-rate loans have provisions that allow us to call the loan after five years. Adjustable-rate loans are generally based on prime and adjust monthly. Where the borrower is a corporation, partnership or other entity, we generally require personal guarantees from significant equity holders.
 
Consumer Loans. We offer a variety of consumer loans, including loans secured by automobiles and savings accounts. Other consumer loans include loans on recreational vehicles and boats, debt consolidation loans and personal unsecured debt.
 
The procedures for underwriting consumer loans include an assessment of the applicant’s payment history on other debts and ability to meet existing obligations and payments on the proposed loans. Although the applicant’s creditworthiness is a primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount. We use a credit scoring system and charge borrowers with poorer credit scores higher interest rates to compensate for the additional risks associated with those loans.
 
Loan Underwriting Risks.
 
Adjustable-Rate Loans. While we anticipate that adjustable-rate loans will better offset the adverse effects of an increase in interest rates as compared to fixed-rate mortgages, the increased mortgage payments required of adjustable-rate loan borrowers in a rising interest rate environment could cause an increase in delinquencies and defaults. The marketability of the underlying property also may be adversely affected in a high interest rate environment. In addition, although adjustable-rate mortgage loans help make our asset base more responsive to changes in interest rates, the extent of this interest sensitivity is limited by the annual and lifetime interest rate adjustment limits.
 
 
4

 
 
Commercial and Multi-Family Real Estate Loans. Loans secured by commercial and multi-family real estate are generally larger and involve a greater degree of risk than one- to four-family residential mortgage loans. Of primary concern in commercial and multi-family real estate lending is the borrower’s creditworthiness and the feasibility and cash flow potential of the project. Payments on loans secured by income properties are often dependent on the successful operation or management of the properties. As a result, repayment of such loans may be subject to a greater extent than residential real estate loans to adverse conditions in the real estate market or the economy. In order to monitor cash flows on income properties, we require borrowers and loan guarantors, if any, to provide annual financial statements and rent rolls on multi-family loans. We also perform annual reviews on all lending relationships of $500,000 or more where the loan is secured by commercial or multi-family real estate.
 
Construction Loans. Construction financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development and the estimated cost (including interest) of construction. During the construction phase, a number of factors could result in delays and cost overruns. If the estimate of construction costs proves to be inaccurate, we may be required to advance funds beyond the amount originally committed to permit completion of the development. If the estimate of value proves to be inaccurate, we may be confronted, at or prior to the maturity of the loan, with a project having a value which is insufficient to assure full repayment. As a result of the foregoing, construction lending often involves the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project rather than the ability of the borrower or guarantor to repay principal and interest. If we are forced to foreclose on a project prior to or at completion due to a default, there can be no assurance that we will be able to recover all of the unpaid balance of, and accrued interest on, the loan as well as related foreclosure and holding costs.
 
Land Loans. Loans secured by undeveloped land or improved lots generally involve greater risks than residential mortgage lending because land loans are more difficult to evaluate. If the estimate of value proves to be inaccurate, in the event of default and foreclosure, we may be confronted with a property the value of which is insufficient to assure full repayment.
 
Commercial Loans. Commercial business lending generally involves greater risk than residential mortgage lending and involves risks that are different from those associated with commercial and multi-family real estate lending. Although the repayment of commercial and multi-family real estate loans depends primarily on the cash-flow of the property or related business, the underlying collateral generally provides a sufficient source of repayment. Although commercial business loans are often collateralized by equipment, inventory, accounts receivable or other business assets, the liquidation of collateral if a borrower defaults is often an insufficient source of repayment because accounts receivable may be uncollectible and inventories and equipment may be obsolete or of limited use, among other things. Accordingly, the repayment of a commercial business loan depends primarily on the cash-flow, character and creditworthiness of the borrower (and any guarantors), while liquidation of collateral is secondary.
 
Consumer Loans. Consumer loans may entail greater risk than do residential mortgage loans, particularly in the case of consumer loans that are unsecured or secured by assets that depreciate rapidly, such as automobiles, boats and recreational vehicles. In such cases, repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan and the remaining deficiency often does not warrant further substantial collection efforts against the borrower. In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.
 
 
5

 
 
Loan Originations. All of our portfolio loans are originated by in-house lending officers and are underwritten and processed in-house. We rely on advertising, referrals from realtors and customers, and personal contact by our staff to generate loan originations. We occasionally purchase participation interests in commercial real estate loans through other financial institutions in our market area.
 
Loan Approval Procedures and Authority. Loan approval authority has been granted by the Board of Directors to certain officers on an individual and combined basis for consumer (including residential mortgages) and commercial purpose loans up to a maximum of $1.0 million per transaction. All loans with aggregate exposure of $2.0 million or more require the approval of our Loan Committee or Board of Directors.
 
The Loan Committee meets every two weeks to review all mortgage loans made within granted lending authority of $75,000 or more and all non-mortgage loans made within granted lending authority of $50,000 or more. The committee approves all requests which exceed granted lending authority or when the request carries aggregate exposure to us of $2.0 million or more. The minutes of the committee are reported to and reviewed by the Board of Directors.
 
Loans to One Borrower. The maximum amount that we may lend to one borrower and the borrower’s related entities is limited by regulation. At June 30, 2013, our regulatory limit on loans to one borrower was $11.3 million. At that date, our largest lending relationship was $5.7 million and consisted of multiple real estate and commercial business loans. These loans were performing according to their original repayment terms at June 30, 2013.
 
Loan Commitments. We issue commitments for fixed-rate and adjustable-rate single-family residential mortgage loans conditioned upon the occurrence of certain events. Commitments to originate mortgage loans are legally binding agreements to lend to our customers and generally expire in 90 days or less.
 
Investment Activities
 
We have legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, securities of various federal agencies and of state and municipal governments, deposits at the Federal Home Loan Bank of Cincinnati and certificates of deposit of federally insured institutions. Within certain regulatory limits, we also may invest a portion of our assets in corporate securities. We also are required to maintain an investment in Federal Home Loan Bank of Cincinnati stock.
 
At June 30, 2013, our investment portfolio consisted of U.S. agency securities, mortgage-backed securities, municipal securities and corporate securities.
 
Our investment objectives are to provide and maintain liquidity, to maintain a balance of high quality investments, to diversify investments to minimize risk, to provide collateral for pledging requirements, to establish an acceptable level of interest rate risk, to provide an alternate source of low-risk investments when demand for loans is weak, and to generate a favorable return. Any two of the following officers are authorized to purchase or sell investments: the President, Executive Vice President and/or Vice President. There is a limit of $2.0 million par value on any single investment purchase unless approval is obtained from the Board of Directors. For mortgage-backed securities, real estate mortgage investment conduits and collateralized mortgage obligations issued by Ginnie Mae, Freddie Mac or Fannie Mae, purchases are limited to a current par value of $2.5 million without Board approval.
 
Deposit Activities and Other Sources of Funds
 
General. Deposits and loan repayments are the major sources of our funds for lending and other investment purposes. Loan repayments are a relatively stable source of funds, while deposit inflows and outflows and loan prepayments are significantly influenced by general interest rates and money market conditions. We may use borrowings on a short-term basis to compensate for reductions in the availability of funds from other sources. Borrowings may also be used on a longer-term basis for general business purposes.
 
 
6

 
 
Deposit Accounts. Substantially all of our depositors are residents of the State of Tennessee. Deposits are attracted from within our primary market area through the offering of a broad selection of deposit instruments, including NOW accounts, money market accounts, regular savings accounts, Christmas club savings accounts, certificates of deposit and retirement savings plans. We do not utilize brokered funds. Deposit account terms vary according to the minimum balance required, the time periods the funds must remain on deposit and the interest rate, among other factors. In determining the terms of our deposit accounts, we consider the rates offered by our competition, profitability to us, matching deposit and loan products and customer preferences and concerns. We generally review our deposit mix and pricing monthly. Our current strategy is to offer competitive rates, but not be the market leader in every type and maturity. In recent years, our advertising has emphasized transaction accounts, with the goal of shifting our mix of deposits towards a smaller percentage of higher cost time deposits.
 
Borrowings. We have relied upon advances from the Federal Home Loan Bank of Cincinnati to supplement our supply of lendable funds and to meet deposit withdrawal requirements. Advances from the Federal Home Loan Bank are typically secured by our first mortgage loans.
 
The Federal Home Loan Bank functions as a central reserve bank providing credit for member financial institutions. As a member, we are required to own capital stock in the Federal Home Loan Bank and are authorized to apply for advances on the security of such stock and certain of our mortgage loans and other assets (principally securities which are obligations of, or guaranteed by, the United States), provided certain standards related to creditworthiness have been met. Advances are made pursuant to several different programs. Each credit program has its own interest rate and range of maturities. Depending on the program, limitations on the amount of advances are based either on a fixed percentage of an institution’s net worth or on the Federal Home Loan Bank’s assessment of the institution’s creditworthiness. Under its current credit policies, the Federal Home Loan Bank generally limits advances to 50% of a member’s assets. The availability of Federal Home Loan Bank advances to each borrower is based on the financial condition and the degree of security provided to collateralize borrowings.
 
Personnel
 
As of June 30, 2013, we had 135 full-time employees and eight part-time employees, none of whom is represented by a collective bargaining unit. We believe our relationship with our employees is good.
 
Executive Officers
 
The executive officers of Jefferson Federal are elected annually by the Board of Directors and serve at the Board’s discretion. Ages presented are as of June 30, 2013. The executive officers of Jefferson Federal are:
 
Name
 
Age
 
Position
         
Anderson L. Smith
 
65
 
President and Chief Executive Officer
Douglas H. Rouse
 
60
 
Senior Vice President
Jane P. Hutton
 
54
 
Senior Vice President and Chief Financial Officer
Eric S. McDaniel
 
42
 
Senior Vice President and Chief Information Officer
Janet J. Ketner
 
60
 
Executive Vice President of Retail Banking
Anthony J. Carasso
 
54
 
President—Knoxville Region
Harvey L. Mitchell
 
65
 
President—Tri-Cities Division
John W. Beard, Jr.
 
60
 
Executive Vice President and Chief Credit Officer
Gary L. Keys
 
64
 
Executive Vice President and Manager, Special Assets
 
 
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Biographical Information
 
Anderson L. Smith has been President and Chief Executive Officer of Jefferson Bancshares since March 2003 and President and Chief Executive Officer of Jefferson Federal since January 2002. Prior to joining Jefferson Federal, Mr. Smith was President, Consumer Financial Services - East Tennessee Metro, First Tennessee Bank National Association. Director since 2002.
 
Jane P. Hutton has been Treasurer and Secretary of Jefferson Bancshares since March 2003 and Senior Vice President and Chief Financial Officer of Jefferson Federal since July 2009. From July 2002 to July 2009, Ms. Hutton served as Vice President and Chief Financial Officer of Jefferson Federal. Ms. Hutton was named Chief Financial Officer of Jefferson Bancshares on July 1, 2003. From June 1999 until July 2002, Ms. Hutton served as Assistant Financial Analyst.
 
Douglas H. Rouse has been Senior Vice President of Jefferson Federal since January 2002. From March 1994 until January 2002, Mr. Rouse served as Vice President.
 
Eric S. McDaniel has served as Senior Vice President and Chief Information Officer of Jefferson Federal since July 2009. In January 2013, he added the title of Chief Risk Officer. From July 2002 to July 2009, Mr. McDaniel served as Vice President and Senior Operations Officer of Jefferson Federal. From March 1996 to July 2002, Mr. McDaniel served as Jefferson Federal’s Director of Compliance and Internal Audit.
 
Janet J. Ketner has been Executive Vice President of Retail Banking since January 2006. Prior to joining Jefferson Federal, Ms. Ketner was Executive Vice President of First Tennessee Bank for Morristown, Dandridge and Greeneville, Tennessee.
 
Anthony J. Carasso has been the President of Jefferson Federal’s Knoxville Region since January 2005. In 1999, Mr. Carasso was Chief Executive Officer and President of Union Planters in Murfreesboro, Tennessee. Since then, he has been President of two other Union Planters Banks, one in Somerset, Kentucky as well as Harriman, Tennessee. During his tenure in Harriman, he had a dual role as an Area Sales Manager managing 22 branches in 11 communities.
 
Harvey L. Mitchell has been the President of Jefferson Federal’s Tri-Cities Division since May 2012. Mr. Mitchell served as Senior Vice President and Commercial Lending Officer of Jefferson Federal from October 2008 to May 2012. Prior to that time, Mr. Mitchell served as Senior Vice President and Commercial Lending Officer of State of Franklin Savings Bank from August 2007 until State of Franklin Savings Bank was acquired by Jefferson Bancshares in October 2008.
 
John W. Beard, Jr. has served as Executive Vice President and Chief Credit Officer of Jefferson Federal since May 2012. Mr. Beard served as the President and Chief Executive Officer of Citizens Bank, New Tazewell, Tennessee, from 2008 to May 2012. Prior to that time, Mr. Beard served as a Senior Credit Officer at First Tennessee Bank N.A. from 1992 to 2008.
 
Gary L. Keys has served as Executive Vice President and Manager, Special Assets of Jefferson Federal since May 2012. Mr. Keys served as Executive Vice President—Lending and Operations at Citizens Bank, New Tazewell, Tennessee, from 2008 to May 2012. Prior to that time, Mr. Keys served as Vice President and Kingsport City Executive and in various other positions at First Tennessee Bank N.A. from 1973 to 2008.
 
Subsidiaries
 
In addition to Jefferson Federal Bank, we currently have one subsidiary, State of Franklin Statutory Trust II. State of Franklin Statutory Trust II is a Delaware statutory trust. In December 2006, State of Franklin Bancshares issued subordinated debentures to State of Franklin Statutory Trust II, which purchased the debentures with the proceeds from the sale of trust preferred securities issued in a private placement. Our net consolidated principal obligation under the debentures and trust preferred securities is $10.0 million.
 
 
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Regulation and Supervision of the Company
 
General. The Company is a bank holding company subject to regulation by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). As a result, the activities of the Company are subject to certain limitations, which are described below. In addition, as a bank holding company, the Company is required to file annual and quarterly reports with the Federal Reserve Board and to furnish such additional information as the Federal Reserve Board may require pursuant to the BHCA. The Company is also subject to regular examination by and the enforcement authority of the Federal Reserve Board.
 
Activities. With certain exceptions, the BHCA prohibits a bank holding company from acquiring direct or indirect ownership or control of more than 5% of the voting shares of a company that engages directly or indirectly in activities other than those of banking, managing or controlling banks, or providing services for its subsidiaries. The principal exceptions to these prohibitions involve certain non-bank activities which, by statute or by Federal Reserve Board regulation or order, have been identified as activities closely related to the business of banking. The activities of the Company are subject to these legal and regulatory limitations under the BHCA and the related Federal Reserve Board regulations. Notwithstanding the Federal Reserve Board’s prior approval of specific nonbanking activities, the Federal Reserve Board has the power to order a holding company or its subsidiaries to terminate any activity, or to terminate its ownership or control of any subsidiary, when it has reasonable cause to believe that the continuation of such activity or such ownership or control constitutes a serious risk to the financial safety, soundness or stability of any bank subsidiary of that holding company.
 
Acquisitions. Under the BHCA, a bank holding company must obtain the prior approval of the Federal Reserve Board before: (1) acquiring direct or indirect ownership or control of any voting shares of any bank or bank holding company if, after such acquisition, the bank holding company would directly or indirectly own or control more than 5% of such shares; (2) acquiring all or substantially all of the assets of another bank or bank holding company; or (3) merging or consolidating with another bank holding company. Satisfactory financial condition, particularly with regard to capital adequacy, and satisfactory CRA ratings are generally prerequisites to obtaining federal regulatory approval to make acquisitions.
 
Under the BHCA, any company must obtain approval of the Federal Reserve Board prior to acquiring control of the Company or the Bank. For purposes of the BHCA, “control” is defined as ownership of more than 25% of any class of voting securities of the Company or the Bank, the ability to control the election of a majority of the directors, or the exercise of a controlling influence over management or policies of the Company or the Bank. In addition, the Change in Bank Control Act and the related regulations of the Federal Reserve Board require any person or persons acting in concert (except for companies required to make application under the BHCA), to file a written notice with the Federal Reserve Board before such person or persons may acquire control of the Company or the Bank. The Change in Bank Control Act defines “control” as the power, directly or indirectly, to vote 25% or more of any voting securities or to direct the management or policies of a bank holding company or an insured bank. There is a presumption of “control” where the acquiring person will own, control or hold with power to vote 10% or more of any class of voting security of a bank holding company or insured bank if, like the Company, the company involved has registered securities under Section 12 of the Securities Exchange Act of 1934.
 
Under Tennessee banking law, prior approval of the Tennessee Department of Financial Institutions is also required before any person may acquire control of a Tennessee bank or bank holding company. Tennessee law generally prohibits a bank holding company from acquiring control of an additional bank if, after such acquisition, the bank holding company would control more than 30% of the FDIC-insured deposits in the State of Tennessee.
 
Capital Requirements. The Federal Reserve Board has adopted guidelines regarding the consolidated capital adequacy of bank holding companies, which require bank holding companies to maintain specified minimum ratios of capital to total assets and to risk-weighted assets. See “Regulation and Supervision of the Bank—Capital Requirements.”
 
 
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In July 2013, the Federal Reserve Board approved revisions to its capital adequacy guidelines and prompt corrective action rules that implement the revised standards of the Basel Committee on Banking Supervision, commonly called Basel III, and address relevant provisions of the Dodd-Frank Act Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”). The final rule applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $500 million or more, and top-tier savings and loan holding companies (“banking organizations”). Among other things, the rule establishes a new common equity Tier 1 minimum capital requirement (4.5% of risk-weighted assets), increases the minimum Tier 1 capital to risk-based assets requirement (from 4% to 6% of risk-weighted assets) and assigns a higher risk weight (150%) to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The final rule also limits a banking organization’s capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. The final rule becomes effective for us on January 1, 2015. The capital conservation buffer requirement will be phased in beginning January 1, 2016 and ending January 1, 2019, when the full capital conservation buffer requirement will be effective.
 
Dividends. The Federal Reserve Board has the power to prohibit dividends by bank holding companies if their actions constitute unsafe or unsound practices. The Federal Reserve Board has issued a policy statement on the payment of cash dividends by bank holding companies, which expresses the Federal Reserve Board’s view that a bank holding company should pay cash dividends only to the extent that the company’s net income for the past year is sufficient to cover both the cash dividends and a rate of earnings retention that is consistent with the company’s capital needs, asset quality and overall financial condition. The Federal Reserve Board also indicated that it would be inappropriate for a bank holding company experiencing serious financial problems to borrow funds to pay dividends. The Federal Reserve Board may prohibit a bank holding company from paying any dividends if the holding company’s bank subsidiary is classified as “undercapitalized” or worse.” See “Regulation and Supervision of the Bank—Prompt Corrective Regulatory Action.”
 
Stock Repurchases. Bank holding companies are required to give the Federal Reserve Board prior written notice of any purchase or redemption of its outstanding equity securities if the gross consideration for the purchase or redemption, when combined with the net consideration paid for all such purchases or redemptions during the preceding 12 months, is equal to 10% or more of the Company’s consolidated net worth. The Federal Reserve Board may disapprove such a purchase or redemption if it determines that the proposal would violate any law, regulation, Federal Reserve Board order, directive or any condition imposed by, or written agreement with, the Federal Reserve Board. This requirement does not apply to bank holding companies that are “well-capitalized,” received one of the two highest examination ratings at their last examination and are not the subject of any unresolved supervisory issues.
 
Regulation and Supervision of the Bank
 
General. The Bank is subject to extensive regulation by the Tennessee Department of Financial Institutions (the “Department”) and, as an insured state bank that is not a member of the Federal Reserve System (a “nonmember bank”), by the FDIC. The lending activities and other investments of the Bank must comply with various federal regulatory requirements. The Department and FDIC periodically examine the Bank for compliance with these regulatory requirements and the Bank must regularly file reports with the Department and the FDIC describing its activities and financial condition. The Bank is also subject to certain reserve requirements promulgated by the Federal Reserve Board. This supervision and regulation is intended primarily for the protection of depositors.
 
The Dodd-Frank Act has created the Consumer Financial Protection Bureau (the “Bureau”) to implement federal consumer protection laws. The Bureau will assume responsibility for the existing federal consumer protection laws and regulations and has the authority to impose new requirements. The prudential regulators, however, will retain examination and enforcement authority over an institution’s compliance with such laws and regulations so long as the institution has less than $10 billion in assets.
 
Tennessee State Law. As a Tennessee-chartered savings bank, the Bank is subject to the applicable provisions of Tennessee law and the regulations of the Department adopted thereunder. The Bank derives its lending and investment powers from these laws, and is subject to periodic examination and reporting requirements by and of the Department. Certain powers granted under Tennessee law may be constrained by federal regulation. Banks nationwide are permitted to enter the Bank’s market area and compete for deposits and loan originations. The approval of the Department is required prior to any merger or consolidation, or the establishment or relocation of any branch office. Tennessee savings banks are also subject to the enforcement authority of the Department, which may suspend or remove directors or officers, issue cease and desist orders and appoint conservators or receivers in appropriate circumstances.
 
 
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Capital Requirements. Under FDIC regulations, nonmember banks are required to maintain a minimum leverage capital requirement consisting of a ratio of Tier 1 capital to total assets of 3% if the FDIC determines that the institution is not anticipating or experiencing significant growth and has well-diversified risk, including no undue interest rate risk exposure, excellent asset quality, high liquidity, good earnings and in general a strong banking organization, rated composite 1 under the Uniform Financial Institutions Rating System (the CAMELS rating system) established by the Federal Financial Institutions Examination Council. For all but the most highly rated institutions meeting the conditions set forth above, the minimum leverage capital ratio is not less than 4%. Tier 1 capital is the sum of common stockholders’ equity, noncumulative perpetual preferred stock (including any related surplus) and minority interests in consolidated subsidiaries, minus all intangible assets (other than certain mortgage servicing rights and purchased credit card relationships) minus identified losses, disallowed deferred tax assets and investments in financial subsidiaries and certain non-financial equity investments.
 
In addition to the leverage ratio (the ratio of Tier 1 capital to total assets), state-chartered nonmember banks must currently maintain a minimum ratio of qualifying total capital to risk-weighted assets of at least 8%, of which at least half must be Tier 1 capital. Qualifying total capital consists of Tier 1 capital plus Tier 2 or supplementary capital items. Tier 2 capital items include allowances for loan losses in an amount of up to 1.25% of risk-weighted assets, certain cumulative preferred stock and subordinated debentures, certain other capital instruments and up to 45% of pre-tax net unrealized holding gains on equity securities. The includable amount of Tier 2 capital cannot exceed the institution’s Tier 1 capital. Qualifying total capital is further reduced by the amount of the bank’s investments in banking and finance subsidiaries that are not consolidated for regulatory capital purposes, reciprocal cross-holdings of capital securities issued by other banks, most intangible assets and certain other deductions. Under the FDIC risk-weighted system, all of a bank’s balance sheet assets and the credit equivalent amounts of certain off-balance sheet items are assigned to one of four broad risk weight categories from 0% to 100%, based on the risks inherent in the type of assets or item. The aggregate dollar amount of each category is multiplied by risk weight assigned to that category. The sum of these weighted values equals the Bank’s risk-weighted assets.
 
Dividend Limitations. The Bank 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 the Bank at the time of its conversion to stock form.
 
Earnings of the Bank appropriated to bad debt reserves and deducted for federal income tax purposes are not available for payment of cash dividends or other distributions to stockholders without payment of taxes at the then current tax rate by the Bank on the amount of earnings removed from the reserves for such distributions. The Bank intends to make full use of this favorable tax treatment and does not contemplate use of any earnings in a manner which would limit the Bank’s bad debt deduction or create federal tax liabilities.
 
Under FDIC regulations, the Bank 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%; (ii) a Tier 1 risk-based capital ratio of less than 4%; or (iii) a leverage ratio of less than 4%.
 
Investment Activities. Under federal law, all state-chartered FDIC-insured banks have generally been limited to activities as principal and equity investments of the type and in the amount authorized for national banks, notwithstanding state law, subject to certain exceptions. For example, the FDIC is authorized to permit institutions to engage in state authorized activities or investments that do not meet this standard (other than non-subsidiary equity investments) for institutions that meet all applicable capital requirements if it is determined that such activities or investments do not pose a significant risk to the Deposit Insurance Fund.
 
 
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Insurance of Deposit Accounts. The Bank’s deposits are insured up to applicable limits by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation. Under the Federal Deposit Insurance Corporation’s existing risk-based assessment system, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other factors, with less risky institutions paying lower assessments. An institution’s assessment rate depends upon the category to which it is assigned. Assessment rates range from seven to 77.5 basis points on the institution’s assessment base, which is calculated as total assets minus tangible equity.
 
Deposit insurance per account owner is currently $250,000. The Federal Deposit Insurance Corporation adopted an optional Temporary Liquidity Guarantee Program by which, for a fee, non-interest bearing transaction accounts would receive unlimited insurance coverage until December 31, 2010, which was later extended to December 31, 2012. The Bank opted to participate in the unlimited coverage for noninterest bearing transaction accounts.
 
The Federal Deposit Insurance Corporation has authority to increase insurance assessments. A significant increase in insurance premiums would likely have an adverse effect on the operating expenses and results of operations of the Bank. Management cannot predict what insurance assessment rates will be in the future.
 
Prompt Corrective Regulatory Action. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept broker deposits. The FDIC is required to take certain supervisory actions against undercapitalized institutions, the severity of which depends upon the institution’s degree of undercapitalization. In addition, numerous mandatory supervisory actions become immediately applicable to an undercapitalized institution, including, but not limited to, increased monitoring by regulators and restrictions on growth, capital distributions and expansion. The FDIC could also take any one of a number of discretionary supervisory actions, including the issuance of a capital directive and the replacement of senior executive officers and directors. Significantly and critically undercapitalized institutions are subject to additional mandatory and discretionary measures.
 
Safety and Soundness Guidelines. Each federal banking agency has established safety and soundness standards for institutions under its authority. These agencies, including the FDIC, have released interagency guidelines establishing such standards and adopted rules with respect to safety and soundness compliance plans. The guidelines require savings institutions to maintain internal controls and information systems and internal audit systems that are appropriate for the size, nature and scope of the institution’s business. The guidelines also establish certain basic standards for loan documentation, credit underwriting, interest rate risk exposure, and asset growth. The guidelines further provide that savings institutions should maintain safeguards to prevent the payment of compensation, fees and benefits that are excessive or that could lead to material financial loss, and should take into account factors such as comparable compensation practices at comparable institutions. If the agency determines that a savings institution is not in compliance with the safety and soundness guidelines, it may require the institution to submit an acceptable plan to achieve compliance with the guidelines. A savings institution must submit an acceptable compliance plan to the agency within 30 days of receipt of a request for such a plan. Failure to submit or implement a compliance plan may subject the institution to regulatory sanctions. Management believes that the Bank has met substantially all the standards adopted in the interagency guidelines.
 
Additionally, federal banking agencies have established standards relating to asset and earnings quality. The guidelines require a bank to maintain systems, commensurate with its size and the nature and scope of its operations, to identify problem assets and prevent deterioration in those assets as well as to evaluate and monitor earnings and ensure that earnings are sufficient to maintain adequate capital and reserves.
 
Federal Reserve System. The Federal Reserve Board regulations require depository institutions to maintain noninterest-earning reserves against their transaction accounts (primarily NOW and regular checking accounts). The Federal Reserve Board regulations generally provide that reserves be maintained against aggregate transaction accounts as follows: a 3% reserve ratio is assessed on net transaction accounts up to and including $55.2 million; a 10% reserve ratio is applied above $55.2 million. The first $10.7 million of otherwise reservable balances (subject to adjustments by the Federal Reserve Board) are exempted from the reserve requirements. The amounts are adjusted annually. The Bank is in compliance with these requirements. At June 30, 2013, the Bank met applicable FRB reserve requirements.
 
 
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Federal Home Loan Bank System. The Bank is a member of the Federal Home Loan Bank System (“FHLBS”) which consists of 12 regional Federal Home Loan Banks governed and regulated by the Federal Housing Finance Board (“FHFB”) of the Federal Home Loan Bank Board. The Bank, as a member of the FHLB of Cincinnati, is required to purchase and hold shares of capital stock in the FHLB of Cincinnati. As of June 30, 2013, the Bank held stock in the FHLB of Cincinnati in the amount $4.7 million and was in compliance with the above requirement. The Federal Home Loan Banks are required to provide funds for certain purposes including contributing funds for affordable housing programs. These requirements, or financial stress caused by economic conditions, could reduce the amount of dividends that the Federal Home Loan Banks pay to their members and result in the Federal Home Loan Banks imposing a higher rate of interest on advances to their members.
 
Loans to Executive Officers, Directors and Principal Stockholders. Under federal law, loans to directors, executive officers and principal stockholders of a state non-member bank like the Bank must be made on substantially the same terms as those prevailing for comparable transactions with persons who are not executive officers, directors, principal stockholders or employees of the Bank unless the loan is made pursuant to a compensation or benefit plan that is widely available to employees and does not favor insiders. Loans to any executive officer, director and principal stockholder, together with all other outstanding loans to such person and affiliated interests, generally may not exceed 15% of the bank’s unimpaired capital and surplus, and aggregate loans to such persons may not exceed the institution’s unimpaired capital and unimpaired surplus. Loans to directors, executive officers and principal stockholders, and their respective affiliates, in excess of the greater of $25,000 or 5% of capital and surplus (and any loan or loans aggregating $500,000 or more) must be approved in advance by a majority of the board of directors of the bank with any “interested” director not participating in the voting. State nonmember banks are prohibited from paying the overdrafts of any of their executive officers or directors unless payment is made pursuant to a written, pre-authorized interest-bearing extension of credit plan that specifies a method of repayment or transfer of funds from another account at the bank. Loans to executive officers are further restricted as to type, amount and terms of credit. In addition, the BHCA prohibits extensions of credit to executive officers, directors and greater than 10% stockholders of a depository institution by any other institution which has a correspondent banking relationship with the institution, unless such extension of credit is on substantially the same terms as those prevailing at the time for comparable transactions with other persons and does not involve more than the normal risk of repayment or present other unfavorable features.
 
Transactions with Affiliates. A state non-member bank or its subsidiaries may not engage in “covered transactions” with any one affiliate in an amount greater than 10% of such bank’s capital stock and surplus, and for all such transactions with all affiliates a state non-member bank is limited to an amount equal to 20% of capital stock and surplus. All such transactions must also be on terms substantially the same, or at least as favorable, to the bank or subsidiary as those provided to a non-affiliate. The term “covered transaction” includes the making of loans, purchase of assets, issuance of a guarantee and similar types of transactions. Specified collateral requirements apply to covered transactions such as loans to and guarantees issued on behalf of an affiliate. An affiliate of a state non-member bank is any company or entity which controls or is under common control with the state non-member bank and, for purposes of the aggregate limit on transactions with affiliates, any subsidiary that would be deemed a financial subsidiary of a national bank. In a holding company context, the parent holding company of a state non-member bank and any companies which are controlled by such parent holding company are affiliates of the state non-member bank. Federal law further prohibits a depository institution from extending credit to or offering any other services, or fixing or varying the consideration for such extension of credit or service, on the condition that the customer obtain some additional service from the institution or certain of its affiliates or not obtain services of a competitor of the institution, subject to certain limited exceptions.
 
Enforcement. The FDIC has extensive enforcement authority over insured non-member banks, including the Bank. This enforcement authority includes, among other things, the ability to assess civil money penalties, issue cease and desist orders and remove directors and officers. In general, these enforcement actions may be initiated in response to violations of laws and regulations and unsafe or unsound practices.
 
 
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The FDIC has authority under federal law to appoint a conservator or receiver for an insured bank under limited circumstances. The FDIC is required, with certain exceptions, to appoint a receiver or conservator for an insured state non-member bank if that bank was “critically undercapitalized” on average during the calendar quarter beginning 270 days after the date on which the institution became “critically undercapitalized.” See “Prompt Corrective Regulatory Action.” The FDIC may also appoint itself as conservator or receiver for an insured state non-member institution under specific circumstances on the basis of the institution’s financial condition or upon the occurrence of other events, including: (1) insolvency; (2) substantial dissipation of assets or earnings through violations of law or unsafe or unsound practices; (3) existence of an unsafe or unsound condition to transact business; and (4) insufficient capital, or the incurring of losses that will deplete substantially all of the institution’s capital with no reasonable prospect of replenishment without federal assistance.
 
Community Reinvestment Act. Under the Community Reinvestment Act, as implemented by FDIC regulations, a state non-member bank has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate-income neighborhoods. The Community Reinvestment Act neither establishes specific lending requirements or programs for financial institutions nor limits an institution’s discretion to develop the types of products and services that it believes are best suited to its particular community. The Community Reinvestment Act requires the FDIC, in connection with its examination of an institution, to assess the institution’s record of meeting the credit needs of its community and to consider such record when it evaluates applications made by such institution. The Community Reinvestment Act requires public disclosure of an institution’s Community Reinvestment Act rating. The Bank’s latest Community Reinvestment Act rating received from the FDIC was “satisfactory.”
 
Financial Regulatory Legislation
 
The previously referenced Dodd-Frank Act contains a wide variety of provisions affecting the regulation of depository institutions. Those include, but are not limited to, restrictions related to mortgage originations, risk retention requirements as to securitized loans and the noted newly created consumer protection agency. The full impact of the Dodd-Frank Act on our business and operations will not be known for years until regulations implementing the statute are written and adopted. The Dodd-Frank Act may have a material impact on our operations, particularly through increased compliance costs resulting from possible future consumer and fair lending regulations.
 
ITEM 1A. RISK FACTORS
 
The current economic conditions pose significant challenges that could adversely affect our financial condition and results of operations.
 
Our success depends to a large degree on the general economic conditions in our market areas. Our market has experienced a significant downturn in which we have seen falling home prices, rising foreclosures and an increased level of commercial and consumer delinquencies. If economic conditions do not improve or continue to decline, we could experience any of the following consequences, each of which could further adversely affect our business: demand for our products and services could decline; problem assets and foreclosures may increase; and loan losses may increase.
 
We could experience further adverse consequences in the event of a prolonged economic downturn in our market due to our exposure to commercial loans across various lines of business. A prolonged economic downturn could adversely affect collateral values or cash flows of the borrowing businesses, and as a result our primary source of repayment could be insufficient to service the debt. Another adverse consequence in the event of a prolonged economic downturn in our market could be the loss of collateral value on commercial and real estate loans that are secured by real estate located in our market area. A further significant decline in real estate values in our market would mean that the collateral for many of our loans would provide less security. As a result, we would be more likely to suffer losses on defaulted loans because our ability to fully recover on defaulted loans by selling the real estate collateral would be diminished.
 
 
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Future economic conditions in our market will depend on factors outside of our control such as political and market conditions, broad trends in industry and finance, legislative and regulatory changes, changes in government, military and fiscal policies and inflation.
 
Our nonperforming assets expose us to increased risk of loss.
 
In recent years, our nonperforming assets have increased from historical levels primarily as a result of the recent economic recession. At June 30, 2013, we had total nonperforming assets of $19.2 million, or 3.8% of total assets. Our nonperforming assets adversely affect our net income in various ways. We do not accrue interest income on non-accrual loans and no interest income is recognized until the loan is performing. Loans are returned to accrual status when future payments are reasonably assured. We must reserve for probable losses, which are established through a current period charge to income in the provision for loan losses, and from time to time, write down the value of properties in our other real estate owned portfolio to reflect changing market values. Additionally, there are legal fees associated with the resolution of problem assets as well as carrying costs such as taxes, insurance and maintenance related to our other real estate owned.
 
Changes in interest rates could reduce our net interest income and earnings.
 
Our net interest income is the interest we earn on loans and investments less the interest we pay on our deposits and borrowings. Our net interest spread is the difference between the yield we earn on our assets and the interest rate we pay for deposits and our other sources of funding. Changes in interest rates—up or down—could adversely affect our net interest margin and, as a result, our net interest income. Although the yield we earn on our assets and our funding costs tend to move in the same direction in response to changes in interest rates, one can rise or fall faster than the other, causing our net interest margin to expand or contract. Our liabilities tend to be shorter in duration than our assets, so they may adjust faster in response to changes in interest rates. As a result, when interest rates rise, our funding costs may rise faster than the yield we earn on our assets, causing our net interest margin to contract until the yield catches up. This contraction could be more severe following a prolonged period of lower interest rates, as a larger proportion of our fixed rate residential loan portfolio will have been originated at those lower rates and borrowers may be more reluctant or unable to sell their homes in a higher interest rate environment. Changes in the slope of the “yield curve”—or the spread between short-term and long-term interest rates—could also reduce our net interest margin. Normally, the yield curve is upward sloping, meaning short-term rates are lower than long-term rates. Because our liabilities tend to be shorter in duration than our assets, when the yield curve flattens or even inverts, we could experience pressure on our net interest margin as our cost of funds increases relative to the yield we can earn on our assets.
 
Strong competition within our market area could hurt our profits and slow growth.
 
We face intense competition both in making loans and attracting deposits. This competition has made it more difficult for us to make new loans and at times has forced us to offer higher deposit rates. Price competition for loans and deposits might result in us earning less on our loans and paying more on our deposits, which reduces net interest income. At June 30, 2012, which is the most recent date for which data is available from the Federal Deposit Insurance Corporation, we held: (i) 22.58% of the deposits in Hamblen County, which is the largest market share out of nine financial institutions with offices in the county at that date; (ii) 0.27% of the deposits in the Knoxville, Tennessee, metropolitan statistical area, which is the 30th largest market share out of 44 financial institutions with offices in the metropolitan statistical area at that date; (iii) 4.77% of the deposits in the Johnson City, Tennessee metropolitan statistical area, which is the ninth largest market share out of 22 financial institutions located in the metropolitan statistical area at that date; and (iv) 1.06% of the deposits in the Kingsport, Tennessee-Bristol, Virginia metropolitan statistical area, which is the 20th largest market share out of 31 financial institutions located in the metropolitan statistical area at that date. Banks owned by SunTrust Banks, Inc., First Tennessee National Corporation and Regions Financial Corporation and other large regional bank holding companies also operate in our primary market areas. These institutions are significantly larger than us and, therefore, have significantly greater resources. We expect competition to increase in the future as a result of legislative, regulatory and technological changes and the continuing trend of consolidation in the financial services industry. Our profitability depends upon our continued ability to compete successfully in our market area.
 
 
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Our commercial real estate, commercial business and multi-family real estate loans expose us to increased lending risks.
 
At June 30, 2013, $191.0 million, or 58.4%, of our loan portfolio consisted of commercial real estate, commercial business and multi-family real estate loans. Commercial real estate and multi-family real estate loans generally expose a lender to greater risk of non-payment and loss than one- to four-family residential mortgage loans because repayment of the loans often depends on the successful operation of the property and the income stream of the borrowers. Commercial business loans expose us to additional risks because they typically are made on the basis of the borrower’s ability to make repayments from the cash flow of the borrower’s business and are secured by collateral that may depreciate over time. All three of these types of loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to one- to four-family residential mortgage loans. Because such loans generally entail greater risk than one- to four-family residential mortgage loans, we may need to increase our allowance for loan losses in the future to account for the likely increase in probable incurred credit losses associated with the growth of such loans. Also, many of our commercial borrowers have more than one loan outstanding with us. Consequently, an adverse development with respect to one loan or one credit relationship can expose us to a significantly greater risk of loss compared to an adverse development with respect to a one- to four-family residential mortgage loan.
 
We may require further additions to our allowance for loan losses, which would reduce net income.
 
If our borrowers do not repay their loans or if the collateral securing their loans is insufficient to provide for the full repayment, we may suffer credit losses. Credit losses are inherent in the lending business and could have a material adverse effect on our operating results. We make various assumptions and judgments about the collectibility of our loan portfolio and provide an allowance for loan losses based on a number of factors. If our assumptions and judgments are wrong, our allowance for loan losses may not be sufficient to cover our losses. In addition, when real estate values decline, the potential severity of loss on a real estate-secured loan can increase significantly, especially in the case of loans with high combined loan-to-value ratios. The recent decline in the national economy and the local economies of the areas in which the loans are concentrated could result in an increase in loan delinquencies, foreclosures or repossessions resulting in increased charge-off amounts and the need for additional loan loss allowances in future periods. If we determine that our allowance for loan losses is insufficient, we would be required to take additional provisions for loan losses, which would reduce net income during the period those provisions are taken. In addition, the Tennessee Department of Financial Institutions and the FDIC periodically review our allowance for loan losses and may require us to increase our allowance for loan losses or to charge off particular loans.
 
We may be required to write down the value of our investment securities if we conclude that a decline in the value in any of our securities is other than temporary.
 
           We review our investment portfolio periodically to determine whether the fair value is below the current carrying value. If the fair value of any of our investment securities has declined below its carrying value, we are required to determine whether the decline is other than temporary. If we conclude that the decline is other than temporary, we are required to write down the value of that security through a charge to earnings.
 
The loss of our President and Chief Executive Officer could hurt our operations.
 
We rely heavily on our President and Chief Executive Officer, Anderson L. Smith. The loss of Mr. Smith could have an adverse effect on us because, as a small community bank, Mr. Smith is responsible for more aspects of our business than he might be at a larger financial institution with more employees. Moreover, as a small community bank, we have fewer management-level employees who are in a position to succeed and assume the responsibilities of Mr. Smith. We have entered into a three-year employment agreement with Mr. Smith. We do not have key-man life insurance on Mr. Smith.
 
 
16

 
 
We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
 
We are subject to extensive regulation, supervision and examination by the Tennessee Department of Financial Institutions, our chartering authority, and by the Federal Deposit Insurance Corporation, as insurer of our deposits. As a bank holding company, Jefferson Bancshares is subject to regulation and supervision by the Board of Governors of the Federal Reserve System. Such regulation and supervision govern the activities in which an institution and its holding company may engage, and are intended primarily for the protection of the insurance fund and depositors. Regulatory authorities have extensive discretion in their supervisory and enforcement activities, including the imposition of restrictions on our operations, the classification of our assets and determination of the level of our allowance for loan losses. Any change in such regulation and oversight, whether in the form of regulatory policy, regulations, legislation or supervisory action, may have a material impact on our operations.
 
Recent regulatory reform may have a material impact on our operations.
 
On July 21, 2010, the President signed into law the Dodd-Frank Act. The Dodd-Frank Act contains various provisions designed to enhance the regulation of depository institutions and prevent the recurrence of a financial crisis such as occurred in 2008 and 2009. These include provisions strengthening holding company capital requirements, requiring retention of a portion of the risk of securitized loans and regulating debit card interchange fees. The Dodd-Frank Act also created the Consumer Financial Protection Bureau to administer consumer protection and fair lending laws, a function that was formerly performed by the depository institution regulators. The full impact of the Dodd-Frank Act on our business and operations will not be known for years until regulations implementing the statute are written and adopted. However, it is likely that the provisions of the Dodd-Frank Act will have an adverse impact on our operations, particularly through increased regulatory burden and compliance costs.
 
Additionally, in July 2013, the federal banking agencies issued a final rule to revise their risk-based and leverage capital requirements and their method for calculating risk-weighted assets, to make them consistent with the agreements that were reached by the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. The final rule applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $500 million or more, and top-tier savings and loan holding companies (“banking organizations”). Among other things, the rule establishes a new common equity Tier 1 minimum capital requirement (4.5% of risk-weighted assets), increases the minimum Tier 1 capital to risk-based assets requirement (from 4% to 6% of risk-weighted assets) and assigns a higher risk weight (150%) to exposures that are more than 90 days past due or are on nonaccrual status and to certain commercial real estate facilities that finance the acquisition, development or construction of real property. The final rule also limits a banking organization’s capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. The final rule becomes effective for us on January 1, 2015. The capital conservation buffer requirement will be phased in beginning January 1, 2016 and ending January 1, 2019, when the full capital conservation buffer requirement will be effective.
 
Compliance with these rules, which are still being analyzed, will impose additional costs on banking entities and their holding companies.

Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
 
Liquidity is essential to our business. An inability to raise funds through deposits, borrowings, the sale of loans and other sources could have a material adverse effect on our liquidity. Our access to funding sources in amounts adequate to finance our activities could be impaired by factors that affect us specifically or the financial services industry in general, which could significantly affect our ability to fund normal operations. In addition, our ability to acquire deposits or borrow could also be impaired by factors that are not specific to us, such as a severe disruption of the financial markets or negative views and expectations about the prospects for the financial services industry as a whole as the recent turmoil faced by banking organizations in the domestic and worldwide credit markets deteriorates. Furthermore, Jefferson Bancshares is a separate entity and apart from Jefferson Federal and must provide for its own liquidity. In addition to its operating expenses, Jefferson Bancshares is responsible for the payment of dividends declared for its shareholders, and interest and principal on outstanding debt. Substantially all of Jefferson Bancshares’ revenues are obtained from subsidiary service fees and dividends. Payment of such dividends to Jefferson Bancshares by Jefferson Federal is limited under Tennessee law. The amount that can be paid in any calendar year, without prior approval from the Tennessee Department of Financial Institutions, cannot exceed the total of Jefferson Federal’s net income for the year combined with its retained net income for the preceding two years.

 
17

 
 
We are subject to certain risks in connection with our use of technology, including risks associated with systems failures, interruptions, or breaches of security.
 
Communications and information systems are essential to the conduct of our business, as we use such systems to manage our customer relationships, our general ledger, our deposits, and our loans. While we have established policies and procedures to prevent or limit the impact of systems failures, interruptions, and security breaches, there can be no assurance that such events will not occur or that they will be adequately addressed if they do. Although we rely on commonly used security and processing systems to provide the security and authentication necessary to effect the secure transmission of data, these precautions may not protect our systems from compromises or breaches of security. In addition, we outsource certain of our data processing to certain third-party providers. If our third-party providers encounter difficulties, or if we have difficulty in communicating with them, our ability to adequately process and account for customer transactions could be affected, and our business operations could be adversely impacted. Threats to information security also exist in the processing of customer information through various other vendors and their personnel. The occurrence of any systems failure, interruption, or breach of security could damage our reputation and result in a loss of customers and business, could subject us to additional regulatory scrutiny, or could expose us to civil litigation and possible financial liability. Any of these occurrences could have a material adverse effect on our financial condition and results of operations.
 
The charter and bylaws of Jefferson Bancshares may prevent or make more difficult certain transactions, including a sale or merger of Jefferson Bancshares.
 
Provisions of the charter and bylaws of Jefferson Bancshares may make it more difficult for companies or persons to acquire control of Jefferson Bancshares. Consequently, our shareholders may not have the opportunity to participate in such a transaction and the trading price of our common stock may not rise to the level of other institutions that are more vulnerable to hostile takeovers. In addition, these provisions also make more difficult the removal of current directors or management, or the election of new directors. These provisions include:

 
·
supermajority voting requirements for certain business combinations and changes to some provisions of the charter and bylaws;

 
·
limitation on the right to vote shares;

 
·
the election of directors to staggered terms of three years;

 
·
provisions regarding the timing and content of shareholder proposals and nominations;

 
·
provisions restricting the calling of special meetings of shareholders;

 
·
the absence of cumulative voting by shareholders in the election of directors; and

 
·
the removal of directors only for cause.
 
UNRESOLVED STAFF COMMENTS
 
None.
 
 
18

 
 
PROPERTIES
 
We conduct our business through our main office, nine full-service branch offices and two limited-service drive-through facilities located in Hamblen, Knox, Sullivan and Washington Counties, Tennessee. We own all of our offices, except for a drive-through facility located in Morristown, Tennessee, the lease on which expires in December 2013. As of June 30, 2013, the total net book value of our offices was $25.6 million. We believe that our facilities are adequate to meet our present and immediately foreseeable needs.

LEGAL PROCEEDINGS

Jefferson Bancshares is not a party to any pending legal proceedings. Periodically, there have been various claims and lawsuits involving Jefferson Federal, such as claims to enforce liens, condemnation proceedings on properties in which Jefferson Federal holds security interests, claims involving the making and servicing of real property loans and other issues incident to Jefferson Federal’s business. Jefferson Federal is not a party to any pending legal proceedings that it believes would have a material adverse effect on the financial condition or operations of the Company.

MINE SAFETY DISCLOSURES
 
Not applicable.
 

MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES
 
Market for Common Equity and Related Stockholder Matters
 
Jefferson Bancshares’ common stock is listed on the Nasdaq Global Market under the symbol “JFBI.” As of June 30, 2013, Jefferson Bancshares had approximately 613 holders of record (excluding the number of persons or entities holding stock in street name through various brokerage firms), and 6,601,091 shares issued and outstanding.
 
The following table sets forth high and low sales prices for each quarter during the fiscal years ended June 30, 2013 and June 30, 2012 for Jefferson Bancshares’ common stock, and corresponding quarterly dividends period per share.
 
   
High
   
Low
   
Dividend Paid
Per Share
 
Year Ended June 30, 2013
                 
Fourth quarter
  $ 5.95     $ 5.10     $ 0.00  
Third quarter
    5.84       2.71       0.00  
Second quarter
    2.96       2.27       0.00  
First quarter
    2.63       1.92       0.00  
                         
Year Ended June 30, 2012
                       
Fourth quarter
  $ 2.47     $ 1.84     $ 0.00  
Third quarter
    2.75       2.00       0.00  
Second quarter
    2.90       2.18       0.00  
First quarter
    3.37       2.50       0.00  
 
 
19

 
 
The Board of Directors of Jefferson Bancshares has the authority to declare dividends on the common stock, subject to statutory and regulatory requirements. Declarations of dividends by the Board of Directors, if any, will depend upon a number of factors, including investment opportunities available to Jefferson Bancshares or Jefferson Federal, capital requirements, regulatory limitations, Jefferson Bancshares’ and Jefferson Federal’s financial condition and results of operations, tax considerations and general economic conditions. No assurances can be given, however, that any dividends will be paid or, if commenced, will continue to be paid.
 
Jefferson Bancshares is subject to the requirements of Tennessee law, which generally prohibits distributions to shareholders if, after giving effect to the distribution, the corporation would not be able to pay its debts as they become due in the usual course of business or the corporation’s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if the corporation were to be dissolved at the time of the distribution, to satisfy the preferential rights upon dissolution of shareholders whose preferential rights are superior to those receiving the distribution.
 
The following table provides certain information with regard to shares repurchased by the Company in the fourth quarter of fiscal 2013.
 
Period
 
(a)
Total number of Shares (or Units) Purchased
   
(b)
Average Price Paid per Share
(or Unit)
   
(c)
Total Number of Shares (or units) Purchased as Part of Publicly Announced Plans or Programs
   
(d)
Maximum Number (or Appropriate Dollar Value) of Shares (or units) that May Yet Be Purchased Under the Plans or Programs
 
April 1, 2013
through
April 30, 2013
        $             410,399 (1)
                                 
May 1, 2013
through
May 31, 2013
    3,494       5.51       3,494       406,905 (1)
                                 
June 1, 2013
through
June 30, 2013
                      406,905 (1)
                                 
Total
    3,494     $ 5.51       3,494       406,905  
 

(1)
On November 13, 2008, the Company announced a stock repurchase program under which the Company may repurchase up to 620,770 shares of the Company’s common stock, from time to time, subject to market conditions. The repurchase program will continue until completed or terminated by the Board of Directors.
 
 
20

 
 
SELECTED FINANCIAL DATA

The selected financial information below is derived from the audited consolidated financial statements of the Company.
 
   
At or For the Year Ended June 30,
 
   
2013
   
2012
   
2011
   
2010
   
2009
 
       
Financial Condition Data:
                             
Total assets
  $ 503,028     $ 522,930     $ 561,189     $ 630,770     $ 662,655  
Loans receivable, net
    321,299       322,499       378,587       434,378       498,107  
Cash and cash equivalents, interest-bearing deposits
    24,514       56,693       40,548       69,303       44,108  
Investment securities
    96,024       83,483       74,780       62,989       36,544  
Borrowings
    45,535       45,506       38,887       85,778       91,098  
Deposits
    399,642       423,882       454,262       479,183       482,167  
Stockholders’ equity
    53,025       52,629       55,919       56,523       79,505  
                                         
Operating Data:
                                       
Interest income
  $ 19,501     $ 22,432     $ 26,334     $ 30,043     $ 28,175  
Interest expense
    3,130       4,570       8,030       11,593       11,619  
Net interest income
    16,371       17,862       18,304       18,450       16,556  
Provision for loan losses
    800       9,873       4,447       8,809       910  
Net interest income after provision for loan losses
    15,571       7,989       13,857       9,641       15,646  
Noninterest income
    2,113       2,180       3,233       4,034       3,185  
Noninterest expense
    15,546       16,693       17,411       39,657       14,683  
Earnings before income taxes
    2,138       (6,524 )     (321 )     (25,982 )     4,148  
Total income taxes
    544       (2,524 )     (351 )     (1,982 )     1,518  
Net earnings
  $ 1,594     $ (4,000 )   $ 30     $ (24,000 )   $ 2,630  
                                         
Per Share Data:
                                       
Earnings per share, basic
  $ 0.25     $ (0.64 )   $ 0.00     $ (3.85 )   $ 0.43  
Earnings per share, diluted
  $ 0.25     $ (0.64 )   $ 0.00     $ (3.85 )   $ 0.43  
Dividends per share
  $ 0.00     $ 0.00     $ 0.00     $ 0.03     $ 0.24  
 
 
21

 
 
   
At or For the Year Ended June 30,
 
   
2013
   
2012
   
2011
   
2010
   
2009
 
             
Performance Ratios:
                             
Return on average assets
    0.31 %     (0.74 %)     0.00 %     (3.65 )%     0.48 %
                                         
Return on average equity 
    2.97       (7.37 )     0.05       (29.65 )     3.40  
                                         
Interest rate spread (1) 
    3.55       3.60       3.21       3.04       3.23  
                                         
Net interest margin (2) 
    3.64       3.72       3.35       3.22       3.46  
                                         
Noninterest expense to average assets (5)
    3.06       3.10       2.86       2.72       2.67  
                                         
Efficiency ratio (3) (5)
    84.16       83.38       85.71       83.93       76.57  
                                         
Average interest-earning assets to average interest-bearing liabilities
    112.76       111.99       109.61       108.76       110.52  
                                         
Dividend payout ratio (4) 
    0.00       0.00       0.00       N/M       55.81  
                                         
Capital Ratios:
                                       
Tangible capital 
    9.21       8.23       8.50       7.29       7.85  
                                         
Core capital
    12.93       12.17       11.74       10.35       9.57  
                                         
Risk-based capital
    14.18       13.42       13.00       11.61       10.49  
                                         
Average equity to average assets
    10.55       10.07       9.35       12.33       14.09  
                                         
Asset Quality Ratios:
                                       
Allowance for loan losses as a percent of total gross loans 
    1.73       1.78       2.11       2.17       0.94  
                                         
Allowance for loan losses as a percent of nonperforming loans
    44.23       31.53       99.19       51.38       78.30  
                                         
Net charge-offs to average outstanding loans during the period 
    0.31       3.36       1.42       0.83       0.14  
                                         
Nonperforming loans as a percent of total loans
    3.91       5.65       2.13       4.22       1.20  
                                         
Nonperforming assets as a percent of total assets 
    3.81       4.82       3.25       4.18       1.43  
 

(1)
Represents the difference between the weighted average yield on average interest-earning assets and the weighted average cost of interest-bearing liabilities.
(2)
Represents net interest income as a percent of average interest-earning assets.
(3)
Represents noninterest expense divided by the sum of net interest income and noninterest income, excluding gains or losses on the sale of securities.
(4)
Reflects dividends per share declared in the period divided by earnings per share for the period.
(5)
For 2010, ratios exclude a goodwill impairment charge of $21.8 million.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION

The objective of this section is to help shareholders and potential investors understand our views on our results of operations and financial condition. You should read this discussion in conjunction with the consolidated financial statements and notes to the consolidated financial statements that appear elsewhere in this report.
 
 
22

 
 
Overview.
 
Income
 
We have two primary sources of pre-tax income. The first is net interest income. Net interest income is the difference between interest income – which is the income that we earn on our loans and investments – and interest expense – which is the interest that we pay on our deposits and borrowings.
 
Our second principal source of pre-tax income is fee income – the compensation we receive from providing products and services. Most of our fee income comes from service charges on NOW accounts and fees for late loan payments. We also earn fee income from ATM charges, insurance commissions, safe deposit box rentals and other fees and charges.
 
We occasionally recognize gains or losses as a result of sales of investment securities or foreclosed real estate. These gains and losses are not a regular part of our income.
 
Expenses
 
The expenses we incur in operating our business consist of compensation and benefits expenses, occupancy expenses, equipment and data processing expense, deposit insurance premiums, advertising expenses, expenses for foreclosed real estate and other miscellaneous expenses.

Compensation and benefits consist primarily of the salaries and wages paid to our employees, fees paid to our directors and expenses for retirement and other employee benefits.
 
Occupancy expenses, which are the fixed and variable costs of building and equipment, consist primarily of lease payments, real estate taxes, depreciation charges, maintenance and costs of utilities.
 
Equipment and data processing expense includes fees paid to our third-party data processing service and expenses and depreciation charges related to office and banking equipment.
 
Deposit insurance premiums are payments we make to the Federal Deposit Insurance Corporation for insurance of our deposit accounts.
 
Expenses for foreclosed real estate include maintenance and repairs on foreclosed properties prior to sale.
 
Other expenses include expenses for attorneys, accountants and consultants, payroll taxes, franchise taxes, charitable contributions, insurance, office supplies, postage, telephone and other miscellaneous operating expenses.

Critical Accounting Policies
 
We consider accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. We consider the following to be our critical accounting policies: allowance for loan losses and deferred income taxes.
 
Allowance for Loan Losses. Determining the amount of the allowance for loan losses necessarily involves a high degree of judgment. Management reviews the level of the allowance on a monthly basis and establishes the provision for loan losses based on the composition of the loan portfolio, delinquency levels, loss experience, economic condition and other factors related to the collectibility of the loan portfolio. Although we believe that we use the best information available to establish the allowance for loan losses, future additions to the allowance may be necessary based on estimates that are susceptible to change as a result of changes in economic conditions and other factors. In addition, Tennessee Department of Financial Institutions and the FDIC, as an integral part of their examination processes, periodically review our allowance for loan losses. These agencies may require us to recognize adjustments to the allowance based on their judgments about information available to them at the time of their examination.
 
 
23

 

Deferred Income Taxes. We use the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If current available information raises doubt as to the realization of the deferred tax assets, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. We exercise significant judgment in evaluating the amount and timing of recognition of the resulting tax liabilities and assets, including projections of future taxable income. These judgments and estimates are reviewed on a continual basis as regulatory and business factors change.
 
Results of Operations for the Years Ended June 30, 2013 and 2012
 
Overview.
 
   
2013
   
2012
 
    (Dollars in thousands,
except per share data)
 
             
Net earnings                                                      
  $ 1,594     $ (4,000 )
Net earnings per share, basic                                                      
  $ 0.25     $ (0.64 )
Net earnings per share, diluted                                                      
  $ 0.25     $ (0.64 )
Return on average assets                                                      
    0.31 %     (0.74 %)
Return on average equity                                                      
    2.97 %     (7.37 %)
 
For the year ended June 30, 2013, the Company reported net income of $1.6 million, or $0.25 per diluted share, compared to a net loss of $4.0 million, or $0.64 per diluted share, for the year ended June 30, 2012. The improvement in net income was primarily due to a lower provision for loan losses totaling $800,000 for fiscal 2013 compared to $9.9 million for fiscal 2012. The decrease in the provision for loan losses was attributable to improvements in asset quality.
 
 
24

 
 
Net Interest Income.
 
The following table summarizes changes in interest income and expense for the years ended June 30, 2013 and 2012:
 
   
Year Ended
 
June 30,
   
% Change
 
   
2013
   
2012
    2013/2012  
                     
Interest income:
                   
Loans
  $ 17,529     $ 20,271       (13.5 %)
Investment securities
    1,689       1,900       (11.1 %)
Interest-earning deposits
    75       62       21.0 %
FHLB stock
    208       199       4.5 %
Total interest income
    19,501       22,432       (13.1 %)
                         
Interest expense:
                       
Deposits
    1,535       2,965       (48.2 %)
Borrowings
    1,270       1,278       (0.6 %)
Subordinated debentures
    325       327       (0.6 %)
Total interest expense
    3,130       4,570       (31.5 %)
                         
Net interest income
  $ 16,371     $ 17,862       (8.3 %)
 
Net interest income before loan loss provision decreased $1.5 million to $16.4 million for the year ended June 30, 2013. The interest rate spread and net interest margin for the year ended June 30, 2013 were 3.55% and 3.64%, respectively, compared to 3.60% and 3.72%, respectively, for the year ended June 30, 2012.
 
Total interest income decreased $2.9 million, or 13.1%, to $19.5 million for fiscal 2013 compared to $22.4 million for fiscal 2012 primarily due to a lower volume of interest-earning assets and lower market interest rates. The average volume of earning assets decreased $29.9 million to $451.3 million for fiscal 2013, while the average yield on interest-earning assets decreased 33 basis points to 4.33% compared to fiscal 2012.
 
Interest on loans decreased $2.7 million, or 13.5%, to $17.5 million for fiscal 2013 as a result of a lower average balance of loans and a lower average yield. The average balance of loans decreased $40.8 million, or 11.2%, to $322.3 million due to the combination of reduced loan demand, normal paydowns on existing loans, transfers to other real estate owned (“OREO”) and charge-offs. The average yield on loans was 5.44% for fiscal 2013 compared to 5.57% for fiscal 2012.
 
Interest on investment securities decreased to $1.7 million for fiscal 2013 compared to $1.9 million for fiscal 2012. The average balance of investment securities increased $9.4 million to $92.7 million for fiscal 2013 compared to $83.3 million for fiscal 2012 as excess liquidity has been deployed into the investment portfolio. The average yield on investments decreased to 1.89% for fiscal 2013 compared to 2.36% for fiscal 2012 due to lower market interest rates. Dividends on Federal Home Loan Bank (“FHLB”) stock were $208,000 for fiscal 2013, compared to $199,000 for fiscal 2012.
 
Total interest expense decreased $1.4 million to $3.1 million for the year ended June 30, 2013, compared to $4.6 million for the year ended June 30, 2012. The average volume of interest-bearing liabilities decreased $29.4 million to $400.2 million while the average rate paid on interest-bearing liabilities decreased 28 basis points to 0.78% for fiscal 2013. Interest expense on deposits decreased $1.4 million to $1.5 million for 2013 compared to $3.0 million for fiscal 2012 as a result of lower interest rates combined with a lower average balance of deposits. The average rate paid on deposits decreased 34 basis points to 0.43% for the year ended June 30, 2013. Interest expense on FHLB advances remained level at $1.3 million for fiscal 2013 compared to fiscal 2012. The average balance of FHLB advances decreased $206,000 to $37.7 million for fiscal 2013 while the average rate paid on FHLB advances remained unchanged at 3.36% compared to fiscal 2012.
 
 
25

 

Average Balances and Yields. The following table presents information regarding average balances of assets and liabilities, as well as the total dollar amounts of interest income and dividends from average interest-earning assets and interest expense on average interest-bearing liabilities and the resulting average yields and costs.The yields and costs for the periods indicated are derived by dividing income or expense by the average balances of assets or liabilities, respectively, for the periods presented. For purposes of this table nonaccrual loan balances and related accrued interest income have been included.

   
Year Ended June 30,
 
   
2013
   
2012
   
2011
 
   
Average
Balance
   
Interest
and
Dividends
   
Yield/
Cost
   
Average
Balance
   
Interest
and
Dividends
   
Yield/
Cost
   
Average
Balance
   
Interest
and
Dividends
   
Yield/
Cost
 
   
(Dollars in thousands)
 
                                                       
Interest-earning assets:
                                                     
Loans(1)                                     
  $ 322,331     $ 17,529       5.44 %   $ 363,154     $ 20,271       5.57 %   $ 415,966     $ 24,251       5.83 %
Investment securities            
    92,721       1,689       1.89       83,276       1,900       2.36       55,013       1,696       3.23  
Daily interest deposits    
    31,466       75       0.24       29,996       62       0.21       72,804       180       0.25  
Other earning assets
    4,735       208       4.39       4,735       199       4.19       4,735       207       4.37  
Total interest-earning assets
    451,253       19,501       4.33       481,161       22,432       4.66       548,518       26,334       4.82  
                                                                         
Noninterest-earning assets
    57,262                   57,864                   59,553              
                                                                         
Total assets
  $ 508,515                   $ 539,025                   $ 608,071                
                                                                         
Interest-bearing liabilities:
                                                                       
Passbook accounts
    91,745       207       0.23       97,167       485       0.50       86,581       651       0.75  
NOW accounts 
    53,935       59       0.11       48,312       77       0.16       49,609       145       0.29  
Money market accounts
    51,708       119       0.23       53,797       311       0.58       56,113       521       0.93  
Certificates of deposit
    156,835       1,150       0.73       184,352       2,092       1.13       239,551       4,284       1.79  
Total interest-bearing deposits
    354,223       1,535       0.43       383,628       2,965       0.77       431,854       5,601       1.30  
                                                                         
Borrowings                                     
    37,700       1,266       3.36       37,906       1,272       3.35       60,459       2,105       3.48  
Repurchase agreements
    985       4       0.41       912       6       0.66       1,053       6       0.57  
Subordinated debentures
    7,298       325       4.45       7,186       327       4.54       7,073       318       4.50  
Total interest-bearing liabilities
    400,206       3,130       0.78       429,632       4,570       1.06       500,439       8,030       1.60  
                                                                         
Noninterest-bearing deposits
    53,680                     54,090                   49,503              
Other noninterest-bearing liabilities
    959                     1,014                   1,284              
Total liabilities
    454,845                       484,736                       551,226                  
                                                                         
Stockholders’ equity
    53,670                       54,289                       56,845                  
Total liabilities and
stockholders’ equity
  $ 508,515                     $ 539,025                     $ 608,071                  
Net interest income  
          $ 16,371                     $ 17,862                     $ 18,304          
Interest rate spread         
                    3.55 %                     3.60 %                     3.21 %
Net interest margin        
                    3.64 %                     3.72 %                     3.35 %
Ratio of average interest-earning assets to average interest- bearing liabilities
                    112.76 %                     111.99 %                     109.61 %
­­­­­­­­­­­­­­­­­­
(1) Average loan balances include nonaccrual loans.
 
 
26

 

Rate/Volume Analysis. The following table sets forth the effects of changing rates and volumes on our net interest income. The rate column shows the effects attributable to changes in rate (changes in rate multiplied by prior volume). The volume column shows the effects attributable to changes in volume (changes in volume multiplied by prior rate). The net column represents the sum of the prior columns. For purposes of this table, changes attributable to changes in both rate and volume that cannot be segregated have been allocated proportionately based on the changes due to rate and the changes due to volume.

   
2013 Compared to 2012
   
2012 Compared to 2011
 
   
Increase (Decrease)
Due to
         
Increase (Decrease)
Due to
       
   
Volume
   
Rate
   
Net
   
Volume
   
Rate
   
Net
 
   
(In Thousands)
 
Interest income:
                                   
Loans receivable
  $ (2,231 )   $ (511 )   $ (2,742 )   $ (2,981 )   $ (999 )   $ (3,980 )
Investment securities
    250       (461 )     (211 )     950       (746 )     204  
Daily interest-bearing deposits and other interest-earning assets
    3       19       22       (92 )     (34 )     (126 )
Total interest-earning assets
    (1,978 )     (953 )     (2,931 )     (2,123 )     (1,779 )     (3,902 )
                                                 
Interest expense:
                                               
Deposits
    (212 )     (1,218 )     (1,430 )     (571 )     (2,065 )     (2,636 )
Borrowings
    (7 )     (1 )     (8 )     (760 )     (73 )     (833 )
Subordinated debentures
    5       (7 )     (2 )     5       4       9  
Total interest-bearing liabilities
    (214 )     (1,226 )     (1,440 )     (1,326 )     (2,134 )     (3,460 )
Net change in interest income
  $ (1,764 )   $ 273     $ (1,491 )   $ (797 )   $ 355     $ (442 )
 
Provision for Loan Losses.

The provision for loan losses for fiscal 2013 was $800,000 compared to a provision of $9.9 million for fiscal 2012. Management reviews the level of the allowance for loan losses on a monthly basis and establishes the provision for loan losses based on changes in the nature and volume of the loan portfolio, the amount of impaired and classified loans, historical loan loss experience and other qualitative factors. Net charge-offs for the year ended June 30, 2013 amounted to $992,000 compared to $12.2 million for the year ended June 30, 2012. A significant portion of the loan charge-offs during fiscal 2013 and 2012 were against specific reserves and did not require replenishment of the allowance for loan losses.

An analysis of the changes in the allowance for loan losses is presented under “Allowance for Loan Losses and Asset Quality.”
 
 
27

 
 
Noninterest Income. The following table shows the components of noninterest income and the percentage changes from 2013 to 2012.

   
2013
   
2012
   
% Change
2013/2012
 
      (Dollars in Thousands)
Mortgage origination fees
  $ 445     $ 306       45.4 %
Service charges and fees
    1,036       1,106       (6.3 )
Gain on investment securities
    12       50       (76.0 )
Impairment on investment securities
          (29 )     (100.0 )
Loss on sale of fixed assets
    1       (12 )     (108.3 )
Loss on foreclosed real estate
    (266 )     (169 )     57.4  
BOLI increase in cash value
    239       236       1.3  
Other
    646       692       (6.6 )
Total noninterest income
  $ 2,113     $ 2,180       (3.1 %)
 
For the year ended June 30, 2013, noninterest income decreased $67,000 to $2.1 million compared to $2.2 million for fiscal 2012. Mortgage origination fee income increased $139,000, or 45.4%, to $445,000 compared to the prior year due to higher demand for residential mortgage refinancing. Net losses on sale of foreclosed property totaled $266,000 for fiscal 2013 compared to $169,000 for fiscal 2012. Service charges and fees decreased $70,000, or 6.3%, to $1.0 million for fiscal 2013 compared to fiscal 2012.

Noninterest Expense. The following table shows the components of noninterest expense and the percentage changes from 2013 to 2012.

   
2013
   
2012
   
% Change
2013/2012
 
   
(Dollars in Thousands)
 
Compensation and benefits
  $ 6,761     $ 6,209       8.9 %
Occupancy
    1,343       1,379       (2.6 )
Equipment and data processing
    2,453       2,376       3.2  
Deposit insurance premiums
    968       811       19.4  
Advertising
    383       359       6.7  
Professional services
    463       442       (13.1 )
Valuation adjustment and expenses on OREO
    732       2,374       (69.2 )
Amortization of intangible assets
    386       441       (12.5 )
Other
    2,057       2,302       (7.0 )
Total noninterest expense
  $ 15,546     $ 16,693       (6.9 )
 
For the year ended June 30, 2013, noninterest expense decreased $1.1 million to $15.5 million compared to $16.7 million for fiscal 2012. Compensation and benefits expense increased $552,000, or 8.9%, to $6.8 million for fiscal 2013 compared to fiscal 2012 due to a higher number of full-time employees combined with increases in commissions, salaries, ESOP expense, and health insurance costs. Valuation adjustments and expenses on other real estate owned decreased $1.6 million to $732,000 for fiscal 2013 compared to $2.4 million for fiscal 2012.
 
 
28

 

Income Taxes.

For the year ended June 30, 2013, income tax expense was $544,000 compared to a tax benefit of $2.5 million for the year ended June 30, 2012.

Balance Sheet Analysis

Loans. Net loans decreased slightly to $321.3 million at June 30, 2013 compared to $322.5 million at June 30, 2012. Loan principal repayments and payoffs slightly exceeded new loan volume during fiscal year 2013 compared to the year ended June 30, 2012. Our primary lending activity is the origination of loans secured by real estate. We originate real estate loans secured by one- to four-family homes, commercial real estate, multi-family real estate and land. We also originate construction loans and home equity loans. At June 30, 2013, real estate loans totaled $266.2 million, or 81.3% of our total loans, compared to $282.4 million, or 85.9% of total loans, at June 30, 2012. Real estate loans decreased $16.2 million, or 5.7%, in fiscal 2013.
 
 
29

 
 
The following table sets forth the composition of our loan portfolio at the dates indicated.

   
At June 30,
 
   
2013
   
2012
   
2011
   
2010
   
2009
 
   
Amount
   
Percent
   
Amount
   
Percent
   
Amount
   
Percent
   
Amount
   
Percent
   
Amount
   
Percent
 
   
(Dollars in thousands)
 
Real estate loans:
                                                           
Residential one- to four-family
  $ 87,233       26.7 %   $ 97,182       29.6 %   $ 110,046       28.4 %   $ 136,430       30.7 %   $ 144,659       28.7 %
Home equity lines of credit
    16,259       5.0       18,395       5.6       20,029       5.2       19,768       4.4       22,467       4.5  
Commercial
    120,205       36.7       127,185       38.7       144,519       37.3       140,024       31.5       159,608       31.7  
Multi-family
    13,509       4.1       11,564       3.5       14,062       3.6       16,536       3.7       6,584       1.3  
Construction
    6,692       2.0       548       0.2       2,171       0.6       21,073       4.7       40,831       8.1  
Land
    22,296       6.8       27,487       8.4       30,053       7.8       37,135       8.4       46,987       9.3  
Total real estate loans
    266,194       81.3       282,361       85.9       320,880       82.9       370,966       83.5       421,136       83.7  
                                                                                 
Commercial business loans
    57,288       17.5       42,107       12.8       60,497       15.6       66,699       15.0       73,467       14.6  
                                                                                 
Non-real estate loans:
                                                                               
Automobile loans
    510       0.2       833       0.3       1,237       0.3       1,848       0.4       2,754       0.5  
Mobile home loans
          0.0       3       0.0       13       0.0       23       0.0       43       0.0  
Loans secured by deposits
    340       0.1       381       0.1       1,268       0.3       1,372       0.3       1,322       0.3  
Other consumer loans
    2,971       0.9       2,989       0.9       3,235       0.8       3,566       0.8       4,609       0.9  
Total non-real estate loans
    3,821       1.2       4,206       1.3       5,753       1.5       6,809       1.5       8,728       1.7  
                                                                                 
Total gross loans
    327,303       100.00 %     328,674       100.0 %     387,130       100.0 %     444,474       100.0 %     503,331       100.00 %
                                                                                 
Less:
                                                                               
Deferred loan fees, net
    (344 )             (323 )             (362 )             (447 )             (502 )        
Allowance for losses
    (5,660 )             (5,852 )             (8,181 )             (9,649 )             (4,722 )        
Total loans receivable, net
  $ 321,299             $ 322,499             $ 378,587             $ 434,378             $ 498,107          
 
 
30

 
 
The following table sets forth certain information at June 30, 2013 regarding the dollar amount of principal repayments becoming due during the periods indicated for loans. The table does not include any estimate of prepayments which significantly shorten the average life of all loans and may cause our actual repayment experience to differ from that shown below. Demand loans having no stated schedule of repayments and no stated maturity are reported as due in one year or less.

   
Real Estate Loans
   
Commercial Business Loans
   
Consumer Loans
   
Total Loans
 
Amounts due in:
 
(In thousands)
 
One year or less
  $ 57,320     $ 25,726     $ 2,450     $ 85,496  
More than one to three years
    42,694       11,036       841       54,571  
More than three to five years
    75,075       12,578       522       88,175  
More than five to 15 years
    37,519       4,986       8       42,513  
More than 15 years
    53,586       2,962             56,548  
Total
  $ 266,194     $ 57,288     $ 3,821     $ 327,303  
 
The following table sets forth the dollar amount of all loans at June 30, 2013 that are due after June 30, 2014 and have either fixed interest rates or floating or adjustable interest rates.

   
Fixed-Rates
   
Floating or Adjustable Rates
   
Total
 
   
(In thousands)
 
Real estate loans:
                 
One- to four-family
  $ 19,047     $ 58,001     $ 77,048  
Home equity lines of credit
    86       14,796       14,882  
Commercial
    55,225       37,631       92,856  
Multi-family
    7,897       512       8,409  
Construction
    2,832       2,205       5,037  
Land
    8,908       1,734       10,642  
Commercial business loans
    15,526       16,036       31,562  
Consumer loans
    1,352       19       1,371  
Total
  $ 110,873     $ 130,934     $ 241,807  
 
The following table shows activity in our loan portfolio, excluding loans held for sale, during the periods indicated.

   
Year Ended June 30,
 
   
2013
   
2012
   
2011
 
   
(In thousands)
 
                   
Total loans at beginning of period
  $ 328,674     $ 387,130     $ 444,474  
Loans originated:
                       
Real estate
    48,757       21,219       25,706  
Commercial business
    24,279       6,386       14,051  
Consumer
    1,278       1,011       1,387  
Total loans originated
    74,314       28,616       41,144  
Loan principal repayments
    (75,685 )     (87,072 )     (98,488 )
Net loan activity
    (1,371 )     (58,456 )     (57,344 )
Total gross loans at end of period
  $ 327,303     $ 328,674     $ 387,130  
 
Investments. Our investment portfolio consists of U.S. agency securities, mortgage-backed securities, corporate securities, and municipal securities. Investment securities increased $12.5 million to $96.0 million at June 30, 2013 compared to $83.5 million at June 30, 2012 as the result of excess liquidity deployed into the investment portfolio. Investments classified as available-for-sale are carried at fair market value and reflect an unrealized loss of $179,000, or $111,000 net of taxes. The increase in the investment portfolio reflects security purchases totaling $42.9 million, partially offset by sales, paydowns and calls of securities totaling approximately $27.8 million.
 
 
31

 
 
   
At June 30,
 
   
2013
   
2012
   
2011
 
   
Amortized
Cost
   
Fair
Value
   
Amortized
Cost
   
Fair
Value
   
Amortized
Cost
   
Fair
Value
 
   
(Dollars in thousands)
 
                                     
Federal agency securities
  $ 21,985     $ 21,653     $ 24,033     $ 24,296     $ 43,721     $ 43,949  
Mortgage-backed securities
    65,607       65,868       52,822       54,415       24,551       25,356  
Municipal securities
    8,004       8,005       4,245       4,563       5,150       5,237  
Other securities
    607       498       609       209       613       238  
Total
  $ 96,203     $ 96,024     $ 81,709     $ 83,483     $ 74,035     $ 74,780  
 
The following table sets forth the maturities and weighted average yields of investment securities at June 30, 2013.

   
More than
One Year to
Five Years
   
More than
Five Years to
Ten Years
   
More than
Ten Years
   
Total
 
   
Carrying
Value
   
Weighted
Average
Yield
   
Carrying
Value
   
Weighted
Average
Yield
   
Carrying
Value
   
Weighted
Average
Yield
   
Carrying
Value
   
Weighted
Average
Yield
 
                                                 
Federal agency securities
  $ 3,549       1.85 %   $ 10,627       1.54 %   $ 929       3.00 %   $ 15,105       1.70 %
Mortgage-backed securities
          0.00       9,475       1.24       56,386       1.91       65,861       1.82  
Municipal securities
    1,066       1.09       3,474       2.66       3,211       3.54       7,751       2.66  
Other securities
          0.00             0.00       499       0.00       499       0.00  
Total
  $ 4,615       1.67 %   $ 23,576       1.58 %   $ 61,025       2.00 %   $ 89,216       1.86 %
 
Deposits. Our primary source of funds is our deposit accounts. The deposit base is comprised of checking, savings, money market and time deposits. These deposits are provided primarily by individuals and businesses within our market area. We do not use brokered deposits as a source of funding. Total deposits decreased $24.2 million to $399.6 million at June 30, 2013 primarily due to the planned runoff of higher cost certificates of deposit. Certificates of deposit decreased $22.3 million, or 13.1%, to $148.1 million while transaction accounts decreased $1.9 million to $251.5 million at June 30, 2013. Management monitors the deposit mix and deposit pricing on a regular basis and has focused on growth in lower cost transaction accounts. Our deposit pricing strategy is to offer competitive rates, but not to offer the highest deposit rates in our markets.

   
At June 30,
 
   
2013
   
2012
   
2011
 
   
(In thousands)
 
Noninterest-bearing accounts
  $ 54,765     $ 52,436     $ 54,340  
NOW accounts
    54,164       52,958       46,134  
Passbook accounts
    91,280       96,588       91,637  
Money market deposit accounts
    51,324       51,492       51,252  
Certificates of deposit
    148,109       170,408       210,899  
Total
  $ 399,642     $ 423,882     $ 454,262  

 
32

 
 
The following table indicates the amount of jumbo certificates of deposit by time remaining until maturity as of June 30, 2013. Jumbo certificates of deposit require minimum deposits of $100,000.

   
Certificates of Deposit
 
Maturity Period
 
(In thousands)
 
       
Three months or less
  $ 14,988  
Over three through six months
    9,024  
Over six through twelve months
    15,792  
Over twelve months
    17,394  
Total
  $ 57,198  
 
The following table sets forth the time deposits classified by rates at the dates indicated.

   
At June 30,
 
   
2013
   
2012
   
2011
 
   
(In thousands)
 
0.01 – 1.00%
  $ 115,563     $ 129,619     $ 82,706  
1.01 – 2.00%
    31,306       36,538       108,257  
2.01 – 3.00%
    533       2,313       8,046  
3.01 – 4.00%
    35       64       4,963  
4.01 – 5.00%
    672       1,874       6,927  
Total
  $ 148,109     $ 170,408     $ 210,899  
 
The following table sets forth the amount and maturities of time deposits at June 30, 2013.

   
At June 30, 2013
 
   
Less Than
One Year
   
1-2
Years
   
2-3
Years
   
3-4
Years
   
 
4 or More
Years
   
Total
   
Percent of Total Certificate Accounts
 
   
(In Thousands)
 
0.01 – 1.00%
  $ 91,537     $ 11,320     $ 11,323     $ 1,250     $ 133     $ 115,563       78.0 %
1.01 – 2.00%
    17,309       9,954       207       955       2,881       31,306       21.1  
2.01 – 3.00%
    471       62                         533       0.4  
3.01 – 4.00%
    35                               35       0.0  
4.01 – 5.00%
    672                               672       0.5  
Total
  $ 110,024     $ 21,336     $ 11,530     $ 2,205     $ 3,014     $ 148,109       100.0 %
 
Borrowings. We have relied upon advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati to supplement our supply of lendable funds and to meet deposit withdrawal requirements. FHLB advances decreased to $37.6 million at June 30, 2013 from $37.9 million at June 30, 2012. The following table presents certain information regarding our use of FHLB advances during the periods and at the dates indicated.

   
Year Ended June 30,
 
   
2013
   
2012
   
2011
 
   
(Dollars in thousands)
 
                   
Maximum amount of advances outstanding at any month end
  $ 37,856     $ 37,936     $ 85,104  
Average advances outstanding
  $ 37,700     $ 37,906     $ 60,459  
Weighted average interest rate during the period
    3.36 %     3.36 %     3.48 %
Balance outstanding at end of period
  $ 37,626     $ 37,863     $ 37,942  
Weighted average interest rate at end of period
    3.36 %     3.36 %     3.36 %
 
Stockholders’ Equity. Stockholders’ equity was $53.0 million at June 30, 2013 compared to $52.6 million at June 30, 2012. The Bank’s total risk-based capital ratio was 14.18% at June 30, 2013, compared to 13.42% at June 30, 2012. During the year ended June 30, 2013, there were 30,897 shares of Company common stock purchased through the Company’s stock repurchase program at a cost of $156,000. At June 30, 2013, an additional 406,905 shares remained eligible for repurchase under the current stock repurchase program. Unrealized gains and losses, net of taxes, in the available-for-sale investment portfolio are reflected as an adjustment to stockholders’ equity. At June 30, 2013, the adjustment to stockholders’ equity was a net unrealized loss of $111,000 compared to a net unrealized gain of $1.1 million at June 30, 2012.
 
 
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Allowance for Loan Losses and Asset Quality

Allowance for Loan Losses. The allowance for loan losses is a valuation allowance for probable losses inherent in the loan portfolio. We evaluate the need to establish reserves against losses on loans on a monthly basis. When additional reserves are necessary, a provision for loan losses is charged to earnings.

In connection with assessing the allowance, we have established a systematic methodology for determining the adequacy of the allowance for loan losses. The methodology segments loans with similar risk characteristics. Management performs a monthly assessment of the allowance for loan losses based on the nature and volume of the loan portfolio, the amount of impaired and classified loans and historical loan loss experience. In addition, management considers other qualitative factors, including delinquency trends, economic conditions and loan considerations.

The Tennessee Department of Financial Institutions and the FDIC, as an integral part of their examination process, periodically review our allowance for loan losses. The Tennessee Department of Financial Institutions and FDIC may require us to make additional provisions for loan losses based on judgments different from ours.

The allowance for loan losses decreased $192,000 to $5.7 million at June 30, 2013. Primarily as a result of management’s evaluation of credit quality and current economic conditions, the provision for loan losses was $800,000 for fiscal 2013, compared to a provision of $9.9 million for fiscal 2012. Net charge-offs were $992,000 for fiscal 2013 compared to $12.2 million for fiscal 2012. Net charge-offs for the fiscal year ended June 30, 2013 were primarily attributable to real estate loans. At June 30, 2013, our allowance for loan losses represented 1.73% of total gross loans and 44.23% of nonperforming loans, compared to 1.78% of total gross loans and 31.53% of nonperforming loans at June 30, 2012. A significant portion of the loan charge-offs during fiscal 2013 were against specific reserves and did not require replenishment of the allowance for loan losses.

Although we believe that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance for loan losses may be necessary and results of operations could be adversely affected if circumstances differ substantially from the assumptions used in making the determinations. Furthermore, while we believe we have established our allowance for loan losses in conformity with generally accepted accounting principles, there can be no assurance that regulators, in reviewing our loan portfolio, will not request us to increase our allowance for loan losses. In addition, because future events affecting borrowers and collateral cannot be predicted with certainty, there can be no assurance that the existing allowance for loan losses is adequate or that increases will not be necessary should the quality of any loans deteriorate as a result of the factors discussed above. Any material increase in the allowance for loan losses may adversely affect our financial condition and results of operations.
 
 
34

 
 
Summary of Loan Loss Experience. The following table sets forth an analysis of the allowance for loan losses for the periods indicated. Where specific loan loss reserves have been established, any difference between the loss reserve and the amount of loss realized has been charged or credited to current income.

   
Year Ended June 30,
 
   
2013
   
2012
   
2011
   
2010
   
2009
 
   
(Dollars in thousands)
 
                               
Allowance at beginning of period
  $ 5,852     $ 8,181     $ 9,649     $ 4,722     $ 1,836  
Provision for loan losses
    800       9,873       4,447       8,809       910  
Reserve for acquired bank
                            2,577  
Recoveries:
                                       
Real estate loans
    36       12       110       7       22  
Commercial business loans
    386       897       91       3       29  
Consumer loans
    17       25       18       51       63  
Total recoveries
    439       934       219       61       114  
Charge offs:
                                       
Real estate loans
    (950 )     (4,363 )     (3,853 )     (1,955 )     (220 )
Commercial business loans
    (441 )     (8,673 )     (2,150 )     (1,869 )     (327 )
Consumer loans
    (40 )     (100 )     (131 )     ( 119 )     (168 )
Total charge-offs
    (1,431 )     (13,136 )     (6,134 )     (3,943 )     (715 )
Net charge-offs
    ( 992 )     (12,202 )     (5,915 )     (3,882 )     (601 )
                                         
Allowance at end of period
  $ 5,660     $ 5,852     $ 8,181     $ 9,649     $ 4,722  
                                         
Allowance to nonperforming loans
    44.23 %     31.53 %     99.19 %     51.38 %     78.30 %
Allowance to total gross loans outstanding at the end of the period
    1.73 %     1.78 %     2.11 %     2.17 %     0.94 %
Net charge-offs to average loans outstanding during the period
    0.31 %     3.36 %     1.42 %     0.83 %     0.14 %
 
The following table sets forth the breakdown of the allowance for loan losses by loan category at the dates indicated.

   
At June 30,
 
   
2013
   
2012
 
   
Amount
   
% of
Allowance
to Total
Allowance
   
% of
Loans in
Category
to Total
Loans
   
Amount
   
% of
Allowance
to Total
Allowance
   
% of
Loans in
Category
to Total
Loans
 
                                     
Real estate
  $ 3,084       54.5 %     81.3 %   $ 3,700       63.2 %     85.9 %
Commercial business
    2,524       44.6       17.5       2,130       36.4       12.8  
Consumer
    52       0.9       1.2       22       0.4       1.3  
Unallocated
                                   
Total allowance for loan losses
  $ 5,660       100.0 %     100.0 %   $ 5,852       100.0 %     100.0 %
 
 
35

 
 
   
At June 30,
 
   
2011
   
2010
   
2009
 
   
Amount
   
% of
Allowance
to Total
Allowance
   
% of
Loans in
Category
to Total
Loans
   
Amount
   
% of
Allowance
to Total
Allowance
   
% of Loans in
Category
to Total
Loans
   
Amount
   
% of
Allowance
to Total
Allowance
   
% of
Loans in
Category
to Total
Loans
 
                                                       
Real estate
  $ 6,941       84.8 %     80.8 %   $ 7,857       81.4 %     83.5 %   $ 3,819       80.9 %     83.7 %
Commercial business
    1,197       14.6       17.7       1,675       17.4       15.0       755       16.0       14.6  
Consumer
    43       0.5       1.5       117       1.2       1.5       148       3.1       1.7  
Unallocated
                                                     
Total allowance for loan losses
  $ 8,181       100.0 %     100.0 %   $ 9,649       100.0 %     100.0 %   $ 4,722       100.0 %     100.0 %
 
Nonperforming and Classified Assets. When a loan becomes 90 days delinquent, the loan is placed on nonaccrual status at which time the accrual of interest ceases and the reserve for any uncollectible accrued interest is established and charged against operations. 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. Payments received on non-accrual loans are applied to the remaining principal balance of the loans.

We consider repossessed assets and loans that are 90 days or more past due to be nonperforming assets. Real estate that we acquire as a result of foreclosure or by deed-in-lieu of foreclosure is classified as real estate owned until it is sold. When property is acquired, it is recorded at the lower of its cost, which is the unpaid balance of the loan plus foreclosure costs, or fair market value at the date of foreclosure. Holding costs and declines in fair value after acquisition of the property result in charges against income.

Nonperforming assets decreased to $19.2 million, or 3.81% of total assets, at June 30, 2013, compared to $25.2 million, or 4.82% at June 30, 2012 as a result of a decrease in nonaccrual loans and foreclosed real estate. Nonaccrual loans totaled $12.8 million at June 30, 2013 compared to $18.6 million at June 30, 2012. The decrease in nonaccrual loans is primarily driven by the real estate segments of the portfolio. Nonaccrual loans with a current payment status were approximately 71% of the balance at June 30, 2013. Foreclosed real estate decreased $642,000 to $5.4 million at June 30, 2013. At June 30, 2013, foreclosed real estate consisted of $1.3 million of single family homes, $3.6 million of vacant land, and commercial real estate totaling $525,000.

Under current accounting guidelines, a loan is defined as impaired when, based on current information and events, it is probable that a creditor will be unable to collect all amounts due under the contractual terms of the loan agreement. We consider consumer installment loans to be homogeneous and, therefore, do not separately evaluate them for impairment. All other loans are evaluated for impairment on an individual basis. At June 30, 2013, impaired loans totaled $14.4 million.

Troubled debt restructuring (“TDR”) loans were $9.1 million at June 30, 2013. A TDR exists when we grant a concession to a borrower experiencing financial difficulty that we normally would not otherwise consider. These concessions can result in avoidance of foreclosure proceedings and can result in the full repayment of the loan principal amount. Troubled debt restructurings are considered to be nonperforming, except for those that have established a sufficient performance history (generally at a minimum of six consecutive months of performance under the restructured terms) under the terms for the restructured loan. The majority of the Bank’s TDRs involve a modification in loan terms such as a temporary period of interest only or extension of the maturity date. The majority of loans in this category are in compliance with their modified loan terms as of June 30, 2013. The amount of accruing TDR loans totaled $1.6 million at June 30, 2013. Additional information on all of our troubled debt restructurings appears in the troubled debt restructurings table below.
 
 
36

 
 
The following table provides information with respect to our nonperforming assets at the dates indicated.

   
At June 30,
 
   
2013
   
2012
   
2011
   
2010
   
2009
 
   
(Dollars in thousands)
 
Nonaccrual loans:
                             
Real estate
  $ 4,597     $ 9,040     $ 5,401     $ 17,367     $ 5,724  
Commercial business
    211       1,034       848       1,309       252  
Consumer
    439       33       41       103       55  
Total nonaccrual loans
    5,247       10,107       6,290       18,779       6,031  
                                         
Nonaccrual restructured loans:
                                       
Real estate
    7,312       8,140       1,531              
Commercial business
    237       315       427              
Consumer
                             
Total nonaccrual restructured loans
    7,549       8,455       1,958              
Total nonperforming loans
    12,796       18,562       8,248       18,779       6,031  
                                         
Nonaccrual investments
    942       207       464       731        
Real estate owned
    5,433       6,075       9,498       6,865       3,328  
Other nonperforming assets(1) 
          348       1             106  
Total nonperforming assets
  $ 19,171     $ 25,192     $ 18,211     $ 26,375     $ 9,465  
                                         
Accruing restructured loans
  $ 1,553     $ 2,304     $ 13,821     $     $  
                                         
Accruing restructured loans and nonperforming loans
  $ 14,349     $ 20,866     $ 22,069     $ 18,779     $ 6,031  
                                         
Total nonperforming loans to total loans
    3.91 %     5.65 %     2.13 %     4.22 %     1.20 %
                                         
Total nonperforming loans to total assets
    2.54 %     3.55 %     1.47 %     2.98 %     0.91 %
                                         
Total nonperforming assets to total assets
    3.81 %     4.82 %     3.25 %     4.18 %     1.43 %
 

(1)   Consists primarily of repossessed automobiles and mobile homes.

Interest income that would have been recorded for the years ended June 30, 2013, and 2012 had nonaccruing loans and accruing restructured loans been current according to their original terms was $742,000 and $1.2 million, respectively. Interest related to nonaccrual loans or accruing restructured loans totaling $111,000 and $162,000 was included in interest income for the years ended June 30, 2013 and 2012, respectively. 

We review and classify our assets on a regular basis. In addition, the Tennessee Department of Financial Institutions has the authority to identify problem assets and, if appropriate, require them to be classified. There are three classifications for problem assets: substandard, doubtful and loss. “Substandard assets” must have one or more defined weaknesses and are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. “Doubtful assets” have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified “loss” is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. The regulations also provide for a “special mention” category, described as assets which do not currently expose us to a sufficient degree of risk to warrant classification but do possess credit deficiencies or potential weaknesses deserving our close attention. When we classify an asset as substandard or doubtful we must establish a general allowance for loan losses. If we classify an asset as loss, we must either establish specific allowances for loan losses in the amount of 100% of the portion of the asset classified loss or charge off such amount.
 
 
37

 

The following table shows the aggregate amounts of our classified assets at the dates indicated.
 
   
At June 30,
 
   
2013
   
2012
   
2011
 
   
(In thousands)
 
                   
Substandard assets
  $ 18,990     $ 28,886     $ 35,153  
Doubtful assets
                 
Loss assets
                 
Total classified assets
  $ 18,990     $ 28,886     $ 35,153  
 
At each of the dates in the above table, substandard assets consisted of nonperforming assets plus other loans that we believed exhibited weakness. These substandard but performing loans totaled $7.2 million, $11.8 million and $27.4 million at June 30, 2013, 2012 and 2011, respectively. At June 30, 2013, we also had $14.6 million of loans that we were monitoring because of concerns about the borrowers’ ability to continue to make payments in the future, none of which were nonperforming or classified as substandard.

Delinquencies. The following table provides information about delinquencies in our loan portfolio at the dates indicated.

   
At June 30,
 
   
2013
   
2012
   
2011
 
   
30-59
Days
Past Due
   
60-89
Days
Past Due
   
30-59
Days
Past Due
   
60-89
Days
Past Due
   
30-59
Days
Past Due
   
60-89
Days
Past Due
 
   
(In thousands)
 
                                     
Real estate loans
  $ 314     $ 270     $ 1,381     $ 372     $ 3,006     $ 449  
Commercial business loans
    101       227       133             137       808  
Consumer loans
    10             17             24        
Total
  $ 425     $ 497     $ 1,531     $ 372     $ 3,167     $ 1,257  
 
At June 30, 2013, 2012 and 2011, delinquent loans consisted primarily of loans secured by commercial and residential real estate.

Liquidity and Capital Resources

Liquidity is the ability to meet current and future financial obligations of a short-term nature. Our primary sources of funds consist of deposit inflows, loan repayments, maturities and sales of investment securities and borrowings from the Federal Home Loan Bank of Cincinnati. While maturities and scheduled amortization of loans and securities are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition.

We regularly adjust our investments in liquid assets based upon our assessment of (1) expected loan demand, (2) expected deposit flows, (3) yields available on interest-earning deposits and securities and (4) the objectives of our asset/liability management program. Excess liquid assets are invested generally in interest-earning deposits and short- and intermediate-term U.S. Government agency obligations. The Asset/Liability Committee (“ALCO”) is responsible for monitoring and implementing liquidity strategies and contingency plans that address the Company’s ongoing liquidity needs.
 
 
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Our most liquid assets are cash and cash equivalents and interest-bearing deposits. The levels of these assets are dependent on our operating, financing, lending and investing activities during any given period. At June 30, 2013, cash and cash equivalents totaled $8.8 million and interest-bearing deposits totaled $15.7 million. Securities classified as available-for-sale, which provide additional sources of liquidity, totaled $96.0 million at June 30, 2013. At June 30, 2013, approximately $11.0 million of the investment portfolio was pledged as collateral for municipal deposits and repurchase agreements. The Company’s external sources of liquidity include borrowing capacity with the Federal Home Loan Bank of Cincinnati, the Federal Reserve Bank of Atlanta, and other correspondent banks. At June 30, 2013, borrowing capacity with the FHLB totaled $37.7 million based on pledged collateral, of which $213,000 was unused. For the year ended June 30, 2013, FHLB advances decreased to $37.6 million as compared to $37.9 million at June 30, 2012. Additional eligible collateral may be transferred to the FHLB to increase borrowing capacity. The Company can borrow from the Federal Reserve Bank of Atlanta’s discount window to meet short-term liquidity requirements. At June 30, 2013, the Company had approximately $18.9 million of unused borrowing capacity based on pledged collateral with the Federal Reserve Bank discount window. In addition, the Company also maintains unsecured federal funds lines with two correspondent banks totaling $18.5 million under which no borrowings were outstanding. These federal funds lines may be terminated at any time and may not be outstanding for more than 14 consecutive days.

At June 30, 2013, we had $27.7 million in unused lines of credit. Certificates of deposit due within one year of June 30, 2013 totaled $110.0 million. We believe, based on past experience, that a significant portion of those deposits will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.

The following table presents certain of our contractual obligations as of June 30, 2013.

         
Payments due by period
 
Contractual Obligations
 
Total
   
Less than
1 year
 
1-3 years
   
3-5 years
   
More than
5 years
 
   
(In thousands)
 
Federal Home Loan Bank advances
  $ 37,626     $ 26,997     $ 5,048     $ 5,110     $ 471  
Subordinated debentures
    10,001                         10,001  
Capital lease obligations
                             
Operating lease obligations
    9       9                    
Purchase obligations
    1,782       1,088       694              
Total
  $ 49,418     $ 28,094     $ 5,742     $ 5,110     $ 10,472  
 
Our primary investing activities are the origination of loans and the purchase of securities. In the year ended June 30, 2013, we originated $74.3 million of loans. In fiscal 2012, we originated $28.6 million of loans and in fiscal 2011 we originated $41.1 million of loans.

Financing activities consist primarily of activity in deposit accounts and Federal Home Loan Bank advances. We experienced a net decrease in total deposits of $24.2 million in the year ended June 30, 2013, a net decrease in total deposits of $30.4 million for the year ended June 30, 2012 and a net decrease in total deposits of $24.9 million for the year ended June 30, 2011, respectively. Deposit flows are affected by the overall level of interest rates, the interest rates and products offered by us and our local competitors and other factors. We generally manage the pricing of our deposits to be competitive and to increase core deposit relationships. Occasionally, we offer promotional rates on certain deposit products in order to attract deposits. Federal Home Loan Bank advance activity reflected a decrease of $237,000 at June 30, 2013 and a decrease of $79,000 and $46.9 million at June 30, 2012 and 2011, respectively.

We are subject to various regulatory capital requirements administered by the federal prompt corrective action regulations, including a risk-based capital measure. The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning balance sheet assets and off-balance sheet items to broad risk categories. At June 30, 2013, we exceeded all of our regulatory capital requirements. We are considered “well capitalized” under regulatory guidelines. See “Regulation of the Bank—Capital Requirements.”
 
 
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Jefferson Bancshares is a separate entity and apart from Jefferson Federal and must provide for its own liquidity. In addition to its operating expenses, Jefferson Bancshares is responsible for the payment of dividends declared for its shareholders, and interest and principal on outstanding debt. At times, Jefferson Bancshares has redeemed its stock. Substantially all of Jefferson Bancshares’ revenues are obtained from subsidiary service fees and dividends. Payment of such dividends to Jefferson Bancshares by Jefferson Federal is limited under Tennessee law. The amount that can be paid in any calendar year, without prior approval from the Tennessee Department of Financial Institutions, cannot exceed the total of Jefferson Federal’s net income for the year combined with its retained net income for the preceding two years. Jefferson Bancshares believes that such restriction will not have an impact on its ability to meet its ongoing cash obligations.

Off-Balance Sheet Arrangements

In the normal course of operations, we engage in a variety of financial transactions that, in accordance with generally accepted accounting principles, are not recorded in our financial statements. These transactions involve, to varying degrees, elements of credit, interest rate, and liquidity risk. Such transactions are used primarily to manage customers’ requests for funding and take the form of loan commitments, unused lines of credit, amounts due mortgagors on construction loans, amounts due on commercial loans and commercial letters of credit.

For the three months and year ended June 30, 2013, we engaged in no off-balance-sheet transactions reasonably likely to have a material effect on our financial condition, results of operations or cash flows.

Impact of New Accounting Pronouncements

The impact of new accounting pronouncements is discussed in Note 4 to the Company’s Audited Consolidated Financial Statements beginning on page F-1 and incorporated herein by reference.

Effect of Inflation and Changing Prices

The financial statements and related financial data presented in this prospectus have been prepared in accordance with generally accepted accounting principles, which require the measurement of financial position and operating results in terms of historical dollars without considering the change in the relative purchasing power of money over time due to inflation. The primary impact of inflation on our operations is reflected in increased operating costs. Unlike most industrial companies, virtually all the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates generally have a more significant impact on a financial institution’s performance than do general levels of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Qualitative Aspects of Market Risk. Our most significant form of market risk is interest rate risk. We manage the interest rate sensitivity of our interest-bearing liabilities and interest-earning assets in an effort to minimize the adverse effects of changes in the interest rate environment. Deposit accounts typically react more quickly to changes in market interest rates than mortgage loans because of the shorter maturities of deposits. As a result, sharp increases in interest rates may adversely affect our earnings while decreases in interest rates may beneficially affect our earnings. To reduce the potential volatility of our earnings, we have sought to improve the match between asset and liability maturities and rates, while maintaining an acceptable interest rate spread. Pursuant to this strategy, we actively originate adjustable-rate mortgage loans for retention in our loan portfolio. These loans generally reprice beginning after five years and annually thereafter. Most of our residential adjustable-rate mortgage loans may not adjust downward below their initial interest rate. Although historically we have been successful in originating adjustable-rate mortgage loans, the ability to originate such loans depends to a great extent on market interest rates and borrowers’ preferences. This product enables us to compete in the fixed-rate mortgage market while maintaining a shorter maturity. Fixed-rate mortgage loans typically have an adverse effect on interest rate sensitivity compared to adjustable-rate loans. In recent years, we have used investment securities with terms of seven years or less and mortgage-backed securities to help manage interest rate risk. We currently do not participate in hedging programs, interest rate swaps or other activities involving the use of off-balance sheet derivative financial instruments.

We have established an Asset/Liability Committee to communicate, coordinate and monitor all aspects involving asset/liability management. The committee establishes and monitors the volume and mix of assets and funding sources with the objective of managing assets and funding sources to produce results that are consistent with liquidity, capital adequacy, growth, risk limits and profitability goals.
 
 
40

 

Quantitative Aspects of Market Risk. We monitor the impact of changes in interest rates on our net interest income and present value of equity using rate shock analysis. The present value of equity is defined as the present value of assets minus the present value of liabilities. This analysis assesses the risk of loss in market risk sensitive instruments in the event of a sudden and sustained 100 to 400 basis point increase or 100 basis point decrease in market interest rates with no effect given to any steps that we might take to counter the effect of that interest rate movement. Because of the low level of market interest rates, this analysis is not performed for decreases of more than 100 basis points. We measure interest rate risk by modeling the changes in net portfolio value over a variety of interest rate scenarios.

The following table presents the estimated impact on net interest income and equity due to immediate changes in interest rates at the specified levels at June 30, 2013:

     
Change In:
 
Change in Interest Rates
(In Basis Points)
   
Net Interest Income
   
Economic Value of Equity
 
     
$ Change
   
% Change
   
Market Value
   
Change
 
400
    $ 17,718       7.6 %   $ 60,575       (15.7 %)
300
      17,069       3.6       62,018       (13.7 )
200
      16,508       0.2       64,871       (9.7 )
100
      16,260       (1.3 )     68,366       (4.9 )
No change
      16,475       0.0       71,874       0.0  
(100
    15,969       (3.1 %)     75,056       4.4 %
 
We use certain assumptions in assessing interest rate risk that relate to interest rates, loan prepayment rates, deposit decay rates and the market values of certain assets under differing interest rate scenarios, among others. As with any method of measuring interest rate risk, certain shortcomings are inherent in the method of analysis presented in the foregoing table. For example, although certain assets and liabilities may have similar maturities or periods to repricing, they may react in different degrees to changes in market interest rates. Also, the interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates. Additionally, certain assets, such as adjustable-rate mortgage loans, have features that restrict changes in interest rates on a short-term basis and over the life of the asset. Further, in the event of a change in interest rates, expected rates of prepayments on loans and early withdrawals from certificates could deviate significantly from those assumed in calculating the table.
 
FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
 
The financial statements required by this Item are incorporated by reference to the Company’s Audited Consolidated Financial Statements found on pages F-1 through F-39 hereto.

CHANGE IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.
 
 
41

 

CONTROLS AND PROCEDURES

The Company’s management, including the Company’s principal executive officer and principal financial officer, have evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the Securities and Exchange Commission (the “SEC”) (1) is recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure. In addition, based on that evaluation, no change in the Company’s internal control over financial reporting occurred during the quarter ended June 30, 2013 that has materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

Management’s report on internal control over financial reporting is incorporated by reference to page 47.

OTHER INFORMATION

None.
 

DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The information relating to the directors and officers of Jefferson Bancshares and information regarding compliance with Section 16(a) of the Exchange Act is incorporated herein by reference to Jefferson Bancshares’ Proxy Statement for the 2013 Annual Meeting of Shareholders (the “Proxy Statement”) and to Part I, Item 1, “Description of Business—Executive Officers of the Registrant.” The information regarding compliance with Section 16(a) of the Securities Exchange Act of 1934 is incorporated herein by reference to the section captioned “Other Information Relating to Directors and Executive Officers—Section 16(a) Beneficial Ownership Reporting Compliance” in the Proxy Statement.

Jefferson Bancshares has adopted a written code of ethics, which applies to our senior financial officers. We intend to disclose any changes or waivers from our Code of Ethics applicable to any senior financial officers on our website at http://www.jeffersonfederal.com or in a Current Report on Form 8-K. A copy of the Code of Ethics is available, without charge, upon written request to Jane P. Hutton, Corporate Secretary, Jefferson Bancshares, Inc., 120 Evans Avenue, Morristown, Tennessee 37814.

EXECUTIVE COMPENSATION
 
The information contained under the sections captioned “Executive Compensation” and “Director Compensation” in the Proxy Statement is incorporated herein by reference.

SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDERS MATTERS

 
(a)
Security Ownership of Certain Beneficial Owners. The information required by this item is incorporated herein by reference to the section captioned “Stock Ownership” in the Proxy Statement.

 
(b)
Security Ownership of Management. The information required by this item is incorporated herein by reference to the section captioned “Stock Ownership” in the Proxy Statement.

 
(c)
Changes in Control. Management of Jefferson Bancshares knows of no arrangements, including any pledge by any person of securities of Jefferson Bancshares, the operation of which may at a subsequent date result in a change in control of the registrant.
 
42

 

 
(d)
Equity Compensation Plan Information.
 
The following table provides information as of June 30, 2013 for compensation plans under which equity securities may be issued. Jefferson Bancshares does not maintain any equity compensation plans that have not been approved by security holders.

Plan category
 
Number of securities
to be issued upon exercise of outstanding options, warrants and rights
(a)
   
Weighted-average exercise price of outstanding options, warrants and rights
(b)
   
Number of securities
remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))
(c)
 
Equity compensation plans approved by security holders
   
360,638
    $ 13.04      
338,112
 
Equity compensation plans not approved by security holders
    ––               ––  
Total
   
360,638
             
338,112
 
 
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

The information required by this item relating to certain relationships and related transactions is incorporated herein by reference to the section captioned “Other Information Relating to Directors and Executive Officers—Transactions with Management” in the Proxy Statement. The information required by this item relating to director independence is incorporated herein by reference to the section captioned “Items to Be Voted Upon By Shareholders—Item I—Election of Directors” in the Proxy Statement.

PRINCIPAL ACCOUNTANT FEES AND SERVICES

The information required by this item is incorporated herein by reference to the section captioned “Items to Be Voted Upon By Shareholders—Item 2—Ratification of Independent Registered Public Accounting Firm” in the Proxy Statement.
 
 
43

 


EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
 
 
(a)
(1)
The exhibits and financial statement schedules filed as a part of this report are as follows:
       
       
Report of Independent Registered Public Accounting Firm.
           
       
Consolidated Balance Sheets for the Years Ended June 30, 2013 and 2012.
           
       
Consolidated Statements of Earnings for the Years Ended June 30, 2013 and 2012.
           
       
Consolidated Statements of Changes in Stockholders’ Equity for the Years Ended June 30, 2013 and 2012.
           
       
Consolidated Statements of Cash Flows for the Years Ended June 30, 2013 and 2012.
           
       
Notes to Consolidated Financial Statements.
           
   
(2)
All schedules are omitted as the required information either is not applicable or is included in the financial statements or related notes.
       
   
(3)
Exhibits
 
     
3.1
Charter of Jefferson Bancshares, Inc. (1)
     
3.2
Bylaws of Jefferson Bancshares, Inc. (2)
     
4.1
Specimen Stock Certificate of Jefferson Bancshares, Inc. (1)
     
4.2
No long-term debt instrument issued by Jefferson Bancshares, Inc. exceeds 10% of consolidated assets or is registered. In accordance with paragraph 4(iii) of Item 601(b) of Regulation S-K, Jefferson Bancshares, Inc. will furnish the Securities and Exchange Commission copies of long-term debt instruments and related agreements upon request.
      10.1
Employment Agreement between Anderson L. Smith, Jefferson Bancshares, Inc. and Jefferson Federal Bank* (3)
     
10.2
Employment Agreement between John W. Beard, Jr., Jefferson Bancshares, Inc. and Jefferson Federal Bank* (4)
     
10.3
Employment Agreement between Gary L. Keys, Jefferson Bancshares, Inc. and Jefferson Federal Bank* (4)
     
10.4
Amendment to Employment Agreement between Anderson L. Smith, Jefferson Bancshares, Inc. and Jefferson Federal Bank* (5)
      10.5 
Amended and Restated Change in Control Severance Plan of Jefferson Federal Bank* (6)
      10.6 
1995 Jefferson Federal Savings and Loan Association Stock Option Plan* (1)
     
10.7
Jefferson Federal Bank Supplemental Executive Retirement Plan* (1)
     
10.8
Jefferson Bancshares, Inc. 2004 Stock-Based Incentive Plan* (7)
     
11.0
Statement re: computation of per share earnings (8)
     
21.0
     
23.0
     
31.1
     
31.2
     
32.0
     
101.0
The following materials from the Company’s Annual Report on Form 10-K for the year ended June 30, 2013, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Earnings, (iii) Consolidated Statements of Comprehensive Income (Loss); (iv) the Consolidated Statement of Changes in Stockholders’ Equity, (v) the Consolidated Statements of Cash Flows and (vi) the Notes to the Consolidated Financial Statements**
 
 
44

 
 
     
 
*
Management contract or compensatory plan, contract or arrangement.
 
**
Furnished, not filed.
 
(1)
Incorporated herein by reference from the Exhibits to Registration Statement on Form S-1 and amendments thereto, initially filed on March 21, 2003, Registration No. 333-103961.
 
(2)
Incorporated herein by reference from the Exhibits to the Current Report on Form 8-K, filed on October 26, 2007.
 
(3)
Incorporated herein by reference from the Exhibits to the Annual Report on Form 10-K, filed on September 29, 2003.
 
(4)
Incorporated herein by reference from the Exhibits to the Annual Report on Form 10-K, filed on September 21, 2012.
 
(5)
 Incorporated herein by reference from the Exhibits to the Annual Report on Form 10-K, filed on September 13, 2004.
 
(6)
Incorporated herein by reference from the Exhibits to the Quarterly Report on Form 10-Q, filed on May 15, 2013.
  (7) Incorporated herein by reference from Appendix A to the Company’s definitive proxy statement filed on December 1, 2003.
  (8) Incorporated herein by reference to Note 3 to the Company’s Audited Financial Statements beginning on page F-12.
 
 
45

 
 

In accordance with Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
 
  JEFFERSON BANCSHARES, INC.
     
Date: September 30, 2013 By: /s/ Anderson L. Smith  
    Anderson L. Smith
   
President, Chief Executive Officer and Director
 
In accordance with the Exchange Act, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.
 
Name
 
Title
 
Date
         
/s/ Anderson L. Smith
 
President, Chief Executive
 
September 30, 2013
Anderson L. Smith
 
Officer and Director
   
   
(principal executive officer)
   
         
/s/ Jane P. Hutton
 
Chief Financial Officer,
 
September 30, 2013
Jane P. Hutton
 
Treasurer and Secretary
   
   
(principal financial and
   
   
accounting officer)
   
         
/s/ H. Scott Reams
 
Director
 
September 30, 2013
H. Scott Reams
       
         
/s/ Dr. Jack E. Campbell
 
Director
 
September 30, 2013
Dr. Jack E. Campbell
       
         
/s/ Dr. Terry M. Brimer
 
Director
 
September 30, 2013
Dr. Terry M. Brimer
       
         
/s/ William T. Hale
 
Director
 
September 30, 2013
William T. Hale
       
 
 
46

 
 
REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting. Internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external reporting purposes in accordance with accounting principles generally accepted in the United States. Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. The Company’s management conducted an evaluation of the effectiveness of internal control over financial reporting as of June 30, 2013 based on the framework in Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”). Based on this evaluation, management concluded that internal control over financial reporting was effective as of June 30, 2013 based on the specified criteria. This Annual Report on Form 10-K does not include an attestation report of the Company’s registered public accounting firm regarding internal control over financial reporting. Management’s report was not subject to attestation by the Company’s independent registered public accounting firm pursuant to temporary rules of the Securities and Exchange Commission that permit the Company to provide only management’s report in this Annual Report on Form 10-K.
 
 
47

 
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
 
Board of Directors
Jefferson Bancshares, Inc. and Subsidiaries
Morristown, Tennessee
 
We have audited the accompanying consolidated balance sheets of Jefferson Bancshares, Inc. and Subsidiaries as of June 30, 2013 and 2012, and the related consolidated statements of earnings, of comprehensive income, of changes in stockholders' equity and cash flows for each of the years then ended. These consolidated financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits.
 
We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States).Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement.The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting.Our audit included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control over financial reporting.Accordingly, we express no such opinion.An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements.An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation.We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Jefferson Bancshares, Inc. and Subsidiaries as of June 30, 2013 and 2012, and the results of its operations and its cash flows for the years then ended, in conformity with U.S. generally accepted accounting principles.
 
/s/ Craine, Thompson, & Jones, P.C.
 
Morristown, Tennessee
September 13, 2013
 
 
F-1

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Balance Sheets
(Dollars in Thousands)

   
June 30,
 
   
2013
   
2012
 
             
Assets
           
             
Cash and cash equivalents
  $ 8,837     $ 3,043  
Interest-earning deposits
    15,677       53,650  
Investment securities classified as available for sale, net
    96,024       83,483  
Federal Home Loan Bank stock
    4,735       4,735  
Bank owned life insurance
    7,100       6,861  
Loans receivable, net of allowance for loan losses of $5,660 and $5,852
    321,299       322,499  
Loans held-for-sale
    97       381  
Premises and equipment, net
    25,636       26,361  
Foreclosed real estate, net
    5,433       6,075  
Accrued interest receivable:
               
Investments     349       383  
Loans receivable     1,060       1,192  
Deferred tax asset
    10,911       10,676  
Core deposit intangible
    1,151       1,537  
Other assets
    4,719       2,054  
                 
Total Assets
  $ 503,028     $ 522,930  
                 
Liabilities and Stockholders' Equity
               
                 
Deposits
               
Noninterest-bearing   $ 54,765     $ 52,436  
Interest-bearing     344,877       371,446  
Repurchase agreements
    551       398  
Federal Home Loan Bank advances
    37,626       37,863  
Subordinated debentures
    7,358       7,245  
Other liabilities
    4,826       913  
Accrued income taxes
           
Total liabilities     450,003       470,301  
                 
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 6,601,091and 6,631,989 shares outstanding at June 30, 2013 and 2012, respectively
    92       92  
Additional paid-in capital
    78,302       78,571  
Unearned ESOP shares     (2,376 )     (2,809 )
Unearned compensation     (1,046 )     (1,046 )
Accumulated other comprehensive income     (111 )     1,095  
Retained earnings     9,661       8,067  
Treasury stock, at cost (2,581,280 and 2,550,383 shares)     (31,497 )     (31,341 )
Total stockholders' equity     53,025       52,629  
                 
Total Liabilities and Stockholders' Equity
  $ 503,028     $ 522,930  
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-2

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Statements of Earnings
(Dollars in Thousands Except Per Share Amounts)
 
   
Year Ended June 30,
 
   
2013
   
2012
 
             
Interest income:
           
Interest on loans receivable
  $ 17,529     $ 20,271  
Interest on investment securities
    1,689       1,900  
Other interest
    283       261  
Total interest income
    19,501       22,432  
                 
Interest expense:
               
Deposits
    1,535       2,965  
Securities sold under repurchase agreements
    4       6  
Advances from FHLB
    1,266       1,272  
Subordinated debentures
    325       327  
Total interest expense
    3,130       4,570  
                 
Net interest income
    16,371       17,862  
Provision for loan losses
    800       9,873  
Net interest income after provision for loan losses
    15,571       7,989  
                 
Noninterest income:
               
Mortgage origination income
    445       306  
Service charges and fees
    1,036       1,106  
Gain (loss) on sale of fixed assets
    1       (12 )
Gain on sale of investment securities, net
    12       50  
Impairment of investment securities
          (29 )
Loss on sale of foreclosed real estate, net
    (266 )     (169 )
BOLI increase in cash value
    239       236  
Other
    646       692  
Total noninterest income
    2,113       2,180  
                 
Noninterest expense:
               
Compensation and benefits
    6,761       6,209  
Occupancy expense
    1,343       1,379  
Equipment and data processing expense
    2,453       2,376  
DIF deposit insurance premiums
    968       811  
Advertising
    383       359  
Professional services
    463       442  
Valuation adjustment and expenses on other real estate owned
    732       2,374  
Amortization of intangible assets
    386       441  
Other
    2,057       2,302  
Total noninterest expense
    15,546       16,693  
                 
Earnings (loss) before income taxes
    2,138       (6,524 )
                 
Income taxes:
               
Current
    30        
Deferred
    514       (2,524 )
Total income taxes
    544       (2,524 )
                 
Net earnings (loss)
  $ 1,594     $ (4,000 )
                 
Net earnings (loss) per share, basic
  $ 0.25     $ (0.64 )
Net earnings (loss) per share, diluted
  $ 0.25     $ (0.64 )
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-3

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Statements of Earnings
(Dollars in Thousands Except Per Share Amounts)
 
   
Year Ended June 30,
 
   
2013
   
2012
 
 
Net earnings (loss)
  $ 1,594     $ (4,000 )
                 
Other comprehensive income:
               
Unrealized holding gain (loss)
    (1,944 )     1,310  
Reclassification for realized gains included in net income, net of taxes
    (6 )     (172 )
Income tax benefit (expense)
    744       (502 )
                 
Comprehensive income (loss)
  $ 388     $ (3,364 )
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-4

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Statements of Changes in Stockholders’ Equity
(Dollars in Thousands)
 
               
Unallocated
         
Accumulated
                   
         
Additional
   
Common
         
Other
               
Total
 
   
Common
   
Paid-in
   
Stock in
   
Unearned
   
Comprehensive
   
Retained
   
Treasury
   
Stockholders'
 
   
Stock
   
Capital
   
ESOP
   
Compensation
   
Income
   
Earnings
   
Stock
   
Equity
 
Balance at June 30, 2011
  $ 92     $ 78,895     $ (3,241 )   $ (1,019 )   $ 459     $ 12,067     $ (31,334 )   $ 55,919  
                                                                 
Net loss
                                  (4,000 )           (4,000 )
Other comprehensive income
                            636                   636  
Shares committed to be released by the ESOP
          (324 )     432                               108  
Earned portion of grants
                      (27 )                       (27 )
Purchase of common stock (2,534 shares)
                                        (7 )     (7 )
                                                                 
Balance at June 30, 2012
    92       78,571       (2,809 )     (1,046 )     1,095       8,067       (31,341 )     52,629  
                                                                 
Net earnings
                                  1,594             1,594  
Other comprehensive income
                            (1,206 )                 (1,206 )
Shares committed to be released by the ESOP
          (274 )     433                               159  
Stock options expensed
          5                                     5  
Purchase of common stock (30,897 shares)
                                        (156 )     (156 )
                                                                 
Balance at June 30, 2013
  $ 92     $ 78,302     $ (2,376 )   $ (1,046 )   $ (111 )   $ 9,661     $ (31,497 )   $ 53,025  
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-5

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows
(Dollars in Thousands)
 
   
Year Ended June 30,
 
   
2013
   
2012
 
Cash flows from operating activities:
           
Net earnings (loss)
  $ 1,594     $ (4,000 )
Adjustments to reconcile net earnings to net cash provided by (used for) operating activities:
               
Allocated ESOP shares
    158       109  
Depreciation and amortization expense
    1,797       1,854  
Amortization of premiums (discounts), net on investment securities
    648       572  
Provision for loan losses
    800       9,873  
(Gain) loss on sale of fixed assets
    (1 )     12  
(Gain) on sale of investment securities and mortgage-backed securities, net
    (12 )     (21 )
Amortization of deferred loan fees, net
    (160 )     (169 )
Loss on sale of foreclosed real estate, net
    266       169  
Deferred tax expense (benefit)
    514       (2,524 )
Originations of mortgage loans held for sale
    (17,125 )     (13,759 )
Proceeds from sale of mortgage loans
    17,409       13,378  
Increase in cash value of life insurance
    (239 )     (236 )
Earned portion of MRP
          (27 )
Stock options expensed
    5        
Decrease (increase) in:
               
Accrued interest receivable
    166       257  
Other assets
    (2,665 )     4,925  
Increase (decrease) in other liabilities and accrued income taxes
    3,913       (4,074 )
Net cash provided by (used for) operating activities
    7,068       6,339  
                 
Cash flows used for investing activities:
               
Loan originations, net of principal collections
    (1,581 )     45,910  
Purchase of investment securities classified as held-to-maturity:
               
Investment securities classified as available for sale:
               
Purchased
    (42,894 )     (58,320 )
Proceeds from sale
    83       3,619  
Proceeds from maturities, calls and prepayments
    27,680       46,479  
Purchase of premises and equipment
    (319 )     (825 )
Proceeds from the sale of fixed assets
          14  
Proceeds from sale of (additions to) foreclosed real estate, net
    2,205       3,845  
Net cash provided by (used for) investing activities
    (14,826 )     40,722  
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-6

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
Consolidated Statements of Cash Flows
(Dollars in Thousands)
(Continued)
 
   
Year Ended June 30,
 
   
2013
   
2012
 
 
Cash flows from financing activities:
               
Net increase (decrease) in deposits
    (24,235 )     (30,337 )
Net increase (decrease) in repurchase agreements
    153       (547 )
Repayment of FHLB advances
    (183 )     (25 )
Purchase of treasury stock
    (156 )     (7 )
Net cash provided by (used for) financing activities
    (24,421 )     (30,916 )
                 
Net increase (decrease) in cash, cash equivalents and interest-earning deposits
    (32,179 )     16,145  
Cash, cash equivalents and interest-earning deposits at beginning of period
    56,693       40,548  
                 
Cash, cash equivalents and interest-earning deposits at end of period
  $ 24,514     $ 56,693  
                 
Supplemental disclosures of cash flow information:
               
Cash paid during period for:
               
Interest on deposits
  $ 1,550     $ 3,067  
Interest on borrowed funds
  $ 1,041     $ 1,044  
Interest on subordinated debentures
  $ 213     $ 215  
Income taxes
  $ 45     $  
Real estate acquired in settlement of loans
  $ 3,893     $ 2,936  
 
The accompanying notes are an integral part of these consolidated financial statements.
 
 
F-7

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
 
Notes to Consolidated Financial Statements
 
June 30, 2013 and 2012
 (Dollars in Thousands)

NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 
Jefferson Bancshares, Inc. (the Company), is the holding company for Jefferson Federal Bank (the “Bank”).The Company’s common stock is listed on the NASDAQ Global Market under the symbol JFBI.

The Company provides a variety of financial services to individuals and small businesses through its offices in Tennessee.Its primary deposit products are transaction accounts and term certificate accounts and its lending products are commercial and residential mortgages and, to a lesser extent, consumer loans.

Principles of Consolidation - The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly owned subsidiaries Jefferson Federal Bank and State of Franklin Bank Statutory Trust II.All significant intercompany balances and transactions have been eliminated in consolidation.
 
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.

Significant Group Concentrations of Credit Risk - The Company originates residential real estate loans, commercial real estate loans and, to a lesser extent, consumer loans primarily to customers located in Upper East Tennessee.The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.

Significant Accounting Policies - The following comprise the significant accounting policies, which the Company follows in preparing and presenting its consolidated financial statements:

 
a.
For purposes of reporting cash flows, cash and cash equivalents include cash and balances due from depository institutions, interest-bearing deposits in other depository institutions and fed funds sold with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $15,677 and $53,650 at June 30, 2013 and 2012, respectively.

 
b.
Investments in debt securities are classified as "held-to-maturity" or "available-for-sale" depending upon the intent of management with respect to the particular investments.Investments classified as "held-to-maturity" are carried at cost while those identified as "available-for-sale" are carried at fair value.All securities are adjusted for amortization of premiums and accretion of discounts over the term of the security using the interest method.Management has the positive intent and ability to carry those securities classified as "held-to-maturity" to maturity for long-term investment purposes and, accordingly, such securities are not adjusted for temporary declines in market value."Available-for-sale" securities are adjusted for changes in fair value through a direct entry to a separate component of stockholders' equity (i.e., other comprehensive income).Investments in equity securities are carried at the lower of cost or market.The cost of securities sold is determined by specific identification.
 
 
F-8

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES
 
Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)

 
c.
Loans receivable, net, which management has the intent and ability to hold until maturity or pay-off, are generally carried at unpaid principal balances less loans in process, net deferred loan fees, unearned discount on loans and allowances for losses. Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized to interest income over the contractual life of the loan using the interest method.
 
 
d.
The Company originates mortgage loans conforming to guidelines for sale in the secondary mortgage market. Because commitment letters are only given to the borrower after an underwriter agrees to purchase the loan according to the stated terms, the Company’s maximum time between funding the loan and completing the sale to the underwriter is generally three weeks.The loans are carried at the lower of aggregate cost or fair market value as determined by the amount committed to by the underwriter. The loans are sold without recourse and the mortgage servicing rights are sold as part of the loan package.

 
e.
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 write-down to fair value is charged to the allowance for loan and lease losses.Any subsequent write-down 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. Loan pools 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, consumer loans, HELOC and junior liens.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.Management utilizes a loan grading system and assigns a loan grade of “Pass”, “Watch”, “Special Mention”, “Substandard”, “Doubtful” or “Loss” based on risk characteristics of loans.Lending staff reviews the loan grades of customers on a regular basis and makes changes as needed given that the creditworthiness of customers may change over time.
 
 
F-9

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)
 
Descriptions of loan grades are as follows:

Pass - loans in this category represent an acceptable risk and do not require heightened levels of monitoring by lending staff.

Watch - loans in this category represent an acceptable risk; however, require monitoring by lending staff due to potential weakness for any number of reasons.

Special Mention - loans in this category have potential weaknesses that may result in deteriorating prospects for the asset or in the Bank’s credit position at some future date.

Substandard - loans in this category are inadequately protected by the sound worth and paying capacity of the borrower or the collateral pledged.Borrowers in this category have a well-defined weakness(es) that jeopardize the proper liquidation of the debt.

Doubtful - loans classified as doubtful have a clear and defined weakness making the ultimate repayment of the loan, or portions thereof, highly improbable.

Loss - loans classified as “loss” are those of such little value that their continuance as bank assets is not warranted, even though partial recovery may be affected in the future.Charge off is required in the month this grade is assigned.

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 which have an outstanding principal balance 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 2011-02in 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 $9.1 million and $10.8 million at June 30, 2013 and 2012, respectively.
 
 
F-10

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)

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 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.Payments received on non-accrual loans are applied to the remaining principal balance of the loans.

The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. 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 is subject to periodic examination by regulatory agencies, which may require the Company to record increases in the allowances based on the regulator’s evaluation of available information.There can be no assurance that the Company’s regulators will not require further increases to the allowances.

Tabular information related to loan grades, composition of loan portfolio and activity in the allowance for loan losses is included in Note 6.

 
f.
Credit related financial instruments arising in the ordinary course of business consist primarily of commitments to extend credit.Such financial instruments are recorded when they are funded.

 
g.
Premises and equipment are carried at cost, less accumulated depreciation. Expenditures for assets with a life greater than one year and costing more than $1,000 are generally capitalized.Depreciation of premises and equipment is computed using the straight-line and accelerated methods based on the estimated useful lives of the related assets. Estimated lives for buildings, leasehold improvements, equipment and furniture are thirty-nine, thirty- nine, five and seven years, respectively.Estimated lives for building improvements are evaluated on a case-by-case basis and depreciated over the estimated remaining life of the improvement.

 
h.
Foreclosed real estate is initially recorded, and subsequently carried, at the lower of cost or fair value less estimated selling costs.Costs related to improvement of foreclosed real estate are capitalized.

 
i.
Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method.Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws.

 
j.
GAAP requires a public entity to measure the cost of employee services received in exchange for an award of equity instruments based on the grant-date fair value of the award (with limited exceptions). That cost will be recognized over the period during which an employee is required to provide service in exchange for the award - the requisite service period.

The Company utilizes the prospective application transition method. This method requires the Company to expense the unvested portion of options granted in fiscal 2013, which reduces net earnings by approximately $3, net of taxes for the fiscal year ending June 30, 2013 and by approximately $12 in the remaining requisite service period. GAAP provides for the use of alternative models to determine compensation cost related to stock option grants. The Company has determined the estimated fair value of stock options at grant date using the Black-Scholes option-pricing model based on market data as of June 30, 2012. The expected dividend yield of 0.0% and expected volatility of 65.52% were used to model the value. The risk free rate of return equaled 1.11%, which was based on the yield of a U.S. Treasury note with a term of ten years. The estimated time remaining before the expiration of the options equaled ten years.

 
F-11

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (CONTINUED)

Core Deposit Intangible – The core deposit intangible (CDI) is an asset arising from the acquisition of State of Franklin Bank. The CDI was initially measured at fair value and then amortized using an accelerated method over ten years. The core deposit intangible asset is assessed at least annually for impairment and any such impairment will be recognized in the period identified.
 
Segment Reporting – The Company’s operations are solely in the financial services industry and include providing to its customers traditional banking and other financial services.The Company operates primarily in Tennessee.Management makes operating decisions and assesses performance based on an ongoing review of the Company’s financial results.Therefore, the Company has a single operating segment for financial reporting purposes.

NOTE 2 – RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS

The Bank is required to maintain average balances on hand with the Federal Reserve Bank. At June 30, 2013 and 2012, these reserve balances amounted to $4,597 and $4,408, respectively.

NOTE 3 – EARNINGS PER SHARE

Earnings per common share and earnings per common share-assuming dilution have been computed on the basis of dividing net earnings by the weighted-average number of shares of common stock outstanding.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 solely to outstanding stock options and are determined using the treasury stock method.Calculations related to earnings per share are provided in the following table.
 
   
Year Ended
   
Year Ended
 
   
June 30, 2013
   
June 30, 2012
 
             
             
Weighted average number of common shares used in computing basic earnings per common share
    6,270,523       6,243,347  
                 
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
    6,270,523       6,243,347  
 
 
F-12

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 4 – RECENT ACCOUNTING PRONOUNCEMENTS

ASU 2013-11 –In July 2013, the FASB issued Accounting Standards Update 2013-11, “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss, a Similar Tax Loss, or a Tax Credit Carryforward Exists – a consensus of the FASM Emerging Issues Tax Force”. This update provides explicit guidance on the presentation in the financial statements. This standards update helps to bring consistency to a wide ranging diversity that currently exists in practice on the presentation of such unrecognized tax benefits.The amendments in this update become effective for public companies for fiscal years and interim periods within those years, beginning after December 31, 2013. Management does not believe this update will have a material, if any, impact on the Company’s consolidated financial statements.

ASU 2013-02 –In February 2013, the FASB issued Accounting Standards Update 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The Company adopted this update prospectively as of the quarter ended March 31, 2013. Accordingly, the Company’s financial statements now include consolidated statements of comprehensive income disclosing the required information.
 
ASU 2011-11 – In December 2011, the FASB issued ASU 2011-11, “Disclosures about Offsetting Assets and Liabilities.” This update requires entities to disclose both gross information and net information about instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. The scope of this update includes derivatives, sale and repurchase agreements and reverse sale and repurchase agreements and securities borrowing and lending arrangements. The Company is required to adopt this update retrospectively for annual periods beginning after January 1, 2013. Management does not anticipate that adoption will have a material impact on the Company’s consolidated financial position, results of operations or cash flows. ASU 2013-01 clarifies certain of the provisions of ASU 2011-11.
 
 
F-13

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 5 – INVESTMENT SECURITIES

Investment securities are summarized as follows:
 
   
June 30, 2013
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 21,985     $ 88     $ (420 )   $ 21,653  
Mortgage-backed securities
    65,607       1,096       (835 )     65,868  
Municipal securities
    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 %                        
 
   
June 30, 2012
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 24,033     $ 263     $     $ 24,296  
Mortgage-backed securities
    52,822       1,658       (65 )     54,415  
Municipal securities
    4,245       318             4,563  
Other securities
    609             (400 )     209  
Total securities available-for-sale
  $ 81,709     $ 2,239     $ (465 )   $ 83,483  
                                 
Weighted-average rate
    2.20 %                        
 
Investment securities with a carrying value of $11,017 and $13,021 were pledged to secure public funds, repurchase agreements and/or advances from the Federal Home Loan Bank at June 30, 2013 and 2012, respectively.

At June 30, 2013, the Company held no securities of any single issue (excluding the U.S. Government and federal agencies) with a book value that exceeded 10% of stockholders’ equity.

 
F-14

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 5 – INVESTMENT SECURITIES (CONTINUED)

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
 
June 30, 2013
                                   
Federal agency securities
  $ 9,555     $ (420 )   $     $     $ 9,555     $ (420 )
Mortgage-backed securities
    25,078       (832 )     443       (3 )     25,521       (835 )
Municipal securities
    3,798       (171 )                 3,798       (171 )
Other securities
                498       (109 )     498       (109 )
    $ 38,431     $ (1,423 )   $ 941     $ (112 )   $ 39,372     $ (1,535 )
                                                 
   
Less than 12 months
   
12 months or more
   
Total
 
   
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
   
Value
   
Losses
   
Value
   
Losses
   
Value
   
Losses
 
June 30, 2012
                                               
Federal agency securities
  $     $     $     $     $     $  
Mortgage-backed securities
    2,100       (9 )     569       (56 )     2,669       (65 )
Municipal securities
                                   
Other securities
                207       (400 )     207       (400 )
    $ 2,100     $ (9 )   $ 776     $ (456 )   $ 2,876     $ (465 )
 
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 foregoing unrealized losses in other comprehensive income. There were no other-than-temporary impairment charges for the year ending June 30, 2013. Unrealized losses on all securities as shown above are considered to be temporary in nature. The Company neither has the intent to sell nor is it forecasting the need or requirement to sell the securities before their anticipated recovery.

Federal Agency SecuritiesThe unrealized losses of $420 for these ten 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 does not intend 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 June 30, 2013.

GSE Residential Mortgage-Backed Securities – The unrealized losses of $832 for these thirty-three 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 does not intend 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 June 30, 2013.
 
 
F-15

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 5 – INVESTMENT SECURITIES (CONTINUED)

Private-Label Residential Mortgage-Backed Securities - The unrealized loss of $3 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 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 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 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 $171 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 does not intend 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 June 30, 2013.

Other Securities – The unrealized loss of $109 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 June 30, 2013.
 
Maturities of debt securities at June 30, 2013 are summarized as follows:
 
               
Weighted
 
         
Fair
   
Average
 
   
Cost
   
Value
   
Yield
 
                   
Within 1 year
  $ 6,763     $ 6,808       1.26 %
Over 1 year through 5 years
    4,579       4,615       1.67 %
After 5 years through 10 years
    23,836       23,576       1.58 %
Over 10 years
    61,025       61,025       2.00 %
    $ 96,203     $ 96,024       1.83 %
 
Proceeds from sale of debt securities and gross realized gains and losses on these sales are summarized as follows:
 
   
Year ended June 30,
 
   
2013
   
2012
 
             
Proceeds from sales
  $ 83     $ 3,619  
                 
Gross realized gains
    8       156  
Gross realized losses
          (135 )
Net gains (losses)
  $ 8     $ 21  
 
 
F-16

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 6 – LOANS RECEIVABLE, NET
 
Loans receivable, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Real estate loans:
           
Residential one-to four-family
  $ 87,233     $ 97,182  
Multi-family
    13,509       11,564  
Construction
    6,692       548  
Commercial
    120,205       127,185  
Land
    22,296       27,487  
Home equity line of credit
    16,259       18,395  
                 
Total real estate loans
    266,194       282,361  
                 
Commercial business loans
    57,288       42,107  
                 
Consumer Loans:
               
Loans secured by deposit accounts
    340       381  
Other consumer loans
    2,971       2,989  
Loans secured by automobiles
    510       833  
Mobile home loans
          3  
                 
Total non-real estate loans
    3,821       4,206  
                 
Total gross loans
    327,303       328,674  
                 
Less:
               
Deferred loan fees, net
    (344 )     (323 )
Allowance for losses
    (5,660 )     (5,852 )
Loans receivable, net
  $ 321,299     $ 322,499  
                 
Weighted average rate
    5.30 %     5.82 %
 
The following is a summary of information pertaining to impaired and non-accrual loans:
 
   
June 30,
 
   
2013
   
2012
 
             
Impaired loans without a valuation allowance
  $ 4,210     $ 12,359  
Impaired loans with a valution allowance
    10,227       12,051  
Total impaired loans
  $ 14,437     $ 24,410  
                 
Valuation allowance for impaired loans
  $ 1,843     $ 2,861  
                 
Total non-accrual loans
  $ 12,796     $ 18,562  
                 
Average investment in impaired loans
  $ 19,915     $ 30,415  
Interest income recognized on impaired loans
  $ 344     $ 825  
 
 
F-17

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 6 – LOANS RECEIVABLE, NET (CONTINUED)

No additional funds are committed to be advanced in connection with impaired loans.

Commercial real estate loans are secured principally by office buildings, shopping centers, churches and other rental real estate.Construction loans are secured by commercial real estate and single-family dwellings.

The following is a table summarizing the activity in the allowance for loan losses for the year ending June 30, 2013:
 
   
Resid. Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-resid real estate
   
Owner occupied
   
Comm'l
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
                                                       
Allowance for Credit Losses:
                                                     
Balance at June 30, 2012
  $ 699     $ 596     $ 777     $ 1,047     $ 347     $ 2,130     $ 234     $ 22     $ 5,852  
Charge Offs
    (648 )           (138 )     (31 )     (23 )     (442 )     (109 )     (40 )     (1,431 )
Recoveries
                23             13       386       2       15       439  
Provision
    614       (121 )     (171 )     (35 )     10       407       41       55       800  
Balance at June 30, 2013
  $ 665     $ 475     $ 491     $ 981     $ 347     $ 2,481     $ 168     $ 52     $ 5,660  
   
`
                                                                 
Ending balance, Individually Evaluated
  $     $ 423     $ 200     $ 467     $     $ 753     $     $     $ 1,843  
Ending balance, Collectively Evaluated
  $ 665     $ 52     $ 291     $ 514     $ 347     $ 1,728     $ 168     $ 52     $ 3,817  
                                                                         
Loans:
                                                                       
                                                                         
Balance at June 30, 2013
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
                                                                         
Ending balance, Individually Evaluated
  $ 40     $ 4,923     $ 510     $ 1,834     $     $ 2,504     $ 416     $     $ 10,227  
Ending balance, Collectively Evaluated
  $ 86,499     $ 8,586     $ 30,169     $ 48,294     $ 68,327     $ 54,667     $ 16,669     $ 3,865     $ 317,076  
 
The following table is an aging analysis of the loan portfolio:
 
   
30-59 days past due
   
60-89 days past due
   
90 or more days past due and still accruing
   
Nonaccrual
   
Total past due
   
Total Current
   
Total loans receivable
 
                                           
                                           
Residential Mortgage
  $ 256     $ 44     $     $ 1,918     $ 2,218     $ 84,321     $ 86,539  
Multi-family
                      4,927       4,927       8,582       13,509  
Construction/land development
                          1,011       1,011       29,668       30,679  
Non-residential real estate
    58       103             3,120       3,281       46,847       50,128  
Owner occupied
            123             868       991       67,336       68,327  
Commercial
    101       227             448       776       56,395       57,171  
Heloc and junior lien
                          65       65       17,020       17,085  
Consumer
    10                   439       449       3,416       3,865  
                                                         
Total
  $ 425     $ 497     $     $ 12,796     $ 13,718     $ 313,585     $ 327,303  

 
F-18

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 6 – LOANS RECEIVABLE, NET (CONTINUED)
 
The following table summarizes the credit risk profile by internally assigned grade at June 30, 2013:

   
Resid Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
Grade:
                                                     
Pass
  $ 80,268     $ 7,872     $ 27,382     $ 40,291     $ 65,527     $ 52,740     $ 16,150     $ 3,447     $ 293,677  
Watch
    2,800       621       1,726       5,802       1,643       1,563       71       410       14,636  
Special mention
                                                     
Substandard
    3,471       5,016       1,571       4,035       1,157       2,868       864       8       18,990  
Doubtful
                                                       
Loss
                                                     
                                                                         
Total:
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
 
The following table summarizes the composition of impaired loans, the associated specific reserves and interest income recognized on impaired loans as of June 30, 2013:
 
   
Recorded investment
   
Unpaid principal balance
   
Specific allowance
   
Interest income recognized
 
                         
With an allowance recorded:
                       
Residential Mortgage
  $ 40     $ 40     $     $ 1  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    310       510       (200 )     11  
Non-residential real estate
    1,367       1,834       (467 )      
Owner occupied
                       
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    416       416             15  
Consumer
                       
Total
  $ 8,384     $ 10,227     $ (1,843 )   $ 212  
                                 
With no related allowance:
                               
Residential Mortgage
  $ 890     $ 890     $     $ 61  
Multi-family
                       
Construction and land development
    300       300             4  
Non-residential real estate
    1,744       1,744             61  
Owner occupied
    653       653              
Commercial
                       
Heloc and junior lien
    193       193               6  
Consumer
    430       430              
Total
  $ 4,210     $ 4,210     $     $ 132  
                                 
Total:
                               
Residential Mortgage
  $ 930     $ 930     $     $ 62  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    610       810       (200 )     15  
Non-residential real estate
    3,111       3,578       (467 )     61  
Owner occupied
    653       653              
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    609       609             21  
Consumer
    430       430              
Total
  $ 12,594     $ 14,437     $ (1,843 )   $ 344  
 
 
F-19

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 6 – LOANS RECEIVABLE, NET (CONTINUED)

The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of June 30, 2013:
 
   
June 30, 2013
 
   
Accrual Status
   
Non-Accrual Status
   
Number of Loans
   
Total TDR's
 
                         
Residential Mortgage
  $ 664     $       2     $ 664  
Multi-family
    621       4,923       2       5,544  
Construction and land development
    146             1       146  
Non-residential real estate
    122       2,010       3       2,132  
Owner occupied
          379       2       379  
Commercial
          237       2       237  
HELOC and Junior Lien
                       
Total
  $ 1,553     $ 7,549       12     $ 9,102  
 
The following tables include the recorded investment and number of modifications for modified loans.The Company reports the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured.During the years ended June 30, 2013 and 2012, there were no defaults of loans modified within the respective years.
 
   
For the year ended June 30, 2013
   
For the year ended June 30, 2012
 
         
Pre-Modification
   
Post-Modification
         
Pre-Modification
   
Post-Modification
 
         
Outstanding
   
Outstanding
         
Outstanding
   
Outstanding
 
   
Number
   
Recorded
   
Recorded
   
Number
   
Recorded
   
Recorded
 
   
of loans
   
Investment
   
Investment
   
of loans
   
Investment
   
Investment
 
Multi-family
        $     $       2     $ 7,775     $ 5,284  
Non-residential real estate
    1       191       191       1       3,025       2,000  
Total
    1     $ 191     $ 191       3     $ 10,800     $ 7,284  
 
Following is a summary of loans to directors, executive officers and associates of such persons:
 
Balance at June 30, 2012
  $ 839  
         
Additions
    25  
Reclassifications
     
Repayments
    (2 )
         
Balance at June 30, 2013
  $ 862  
 
These loans were made on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated persons.
 
 
F-20

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 7 – PREMISES AND EQUIPMENT, NET

Premises and equipment, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Land
  $ 6,772     $ 6,772  
Office building
    22,117       21,982  
Furniture and equipment
    5,889       5,704  
      34,778       34,458  
Less:accumulated depreciation and amortization
    9,142       8,097  
    $ 25,636     $ 26,361  
 
Depreciation expense for the years ended June 30, 2013 and 2012 was $1,045 and $1,055, respectively.
 
Pursuant to the terms of non-cancelable lease agreements in effect at June 30, 2013, pertaining to real property, future minimum payments are as follows:
 
For the Year Ended
     
       
2014
  $ 9  
2015
     
         
    $ 9  
 
Lease expense for June 30, 2013 and 2012 was $19 and $49, respectively.

The Company has also entered into a service contract for data processing services.Future minimum payments under this agreement are as follows:
 
For the Year Ended
     
       
2014
  $ 1,088  
2015
    682  
2016
    12  
         
    $ 1,782  

Data processing service expense for June 30, 2013 and 2012 was $1,127 and $1,075, respectively.

 
F-21

 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 8 - DEPOSITS

Deposits are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
             
Non-interest bearing accounts
  $ 54,765     $ 52,436  
NOW accounts, 0.10% and 0.12%, respectively
    54,164       52,958  
Savings accounts, 0.23% and 0.23%, respectively
    91,280       96,588  
Money market accounts, 0.23% and 0.23%, respectively
    51,324       51,492  
Total transaction accounts
    251,533       253,474  
Certificates:
               
0.00 - 1.00%
  $ 115,563     $ 129,619  
1.01 - 2.00%
    31,306       36,538  
2.01 - 3.00%
    533       2,313  
3.01 - 4.00%
    35       64  
4.01 - 5.00%
    672       1,874  
Total Certificates, 0.66% and 0.91%, respectively
    148,109       170,408  
                 
Total Deposits
  $ 399,642     $ 423,882  
                 
Weighted-average rate - deposits
    0.34 %     0.46 %
 
The aggregate amount of time deposits in denominations of $100 or more was $57,198 and $67,502, respectively, at June 30, 2013 and 2012.

The Deposit Insurance Fund, as administrated by the Federal Deposit Insurance Corporation, insures deposits up to applicable limits.Deposit amounts in excess of $250,000 are generally not federally insured.

The total amount of overdrafts reclassified as loans was $77 and $75, respectively, at June 30, 2013 and 2012.

At June 30, 2013, the scheduled maturities of time deposits are as follows:
 
CD Maturities:
     
       
2014
  $ 110,024  
2015
    21,336  
2016
    11,530  
2017
    2,205  
2018
    3,014  
         
Total
  $ 148,109  

 
F-22

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 8 – DEPOSITS (CONTINUED)

Following is a summary of interest on deposits:
 
   
June 30,
 
   
2013
   
2012
 
             
NOW
  $ 59     $ 77  
Savings
    207       485  
MMA
    119       311  
Certificates
    1,150       2,092  
      1,535       2,965  
Less : penalties
           
                 
Total
  $ 1,535     $ 2,965  
 
NOTE 9 - FHLB ADVANCES

At June 30, 2013, the Company’s fixed-rate FHLB advances had interest rates that ranged from 2.00% to 3.55% with a weighted average rate of 3.36% and 3.36% at June 30, 2013 and 2012, respectively. Pursuant to collateral agreements with the FHLB, advances are secured by a Blanket Mortgage Collateral Agreement.The Agreement pledges the entire one-to-four family residential mortgage portfolio and allows a maximum advance of $37,686 and an additional borrowing capacity of $213 at June 30, 2013.Outstanding advances were $37,626 and $37,863 at June 30, 2013 and 2012, respectively.Advances are payable at the maturity dates and prepayment penalties are required if paid before maturity.

A total of $10.0 million of FHLB advances are putable advances that give the FHLB the option to require repayment on specific dates.Under the terms of the putable advances, the company could be required to repay all of the principal and accrued interest before the maturity date.

A total of $10.0 million of FHLB advances are convertible advances with interest rates that may be reset on certain dates at the option of the FHLB in accordance with the terms of the note.The Company has the option of repaying the outstanding advance or converting the interest rate from a fixed rate to a floating LIBOR rate at the time the advance is called by the FHLB.
 
 
F-23

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 9 - FHLB ADVANCES (CONTINUED)

Maturities and weighted average rates of fixed rate FHLB advances at June 30, 2013 and 2012 are as follows:
 
   
Amount
   
Weighted Avg Rate
 
   
2013
   
2012
   
2013
   
2012
 
                         
Fixed Rate Advances Maturing:
                       
Less than 1 year
  $ 26,997     $       3.41 %     0.00 %
1 to 2 years
    5,048       26,993       3.22 %     3.41 %
2 to 3 years
          5,082       0.00 %     3.20 %
3 to 4 years
                0.00 %     0.00 %
4 to 5 years
    5,110             3.33 %     0.00 %
5 to 10 years
          5,134       0.00 %     3.31 %
After 10 years
    471       654       2.65 %     2.66 %
                                 
Total FHLB Advances
  $ 37,626     $ 37,863       3.36 %     3.36 %

NOTE 10 – INCOME TAXES

In computing federal income tax, savings institutions treated as small banks for tax years beginning before 1996 were allowed a statutory bad debt deduction based on specified experience formulas or 8% of otherwise taxable income, subject to limitations based on aggregate loans and savings balances.For tax years after 1996, financial institutions meeting the definition of a small bank can use either the “experience method” or the “specific charge-off method” in computing their bad debt deduction.The Company qualifies as a small bank and is using the experience method.As of June 30, 2013, the end of the most recent tax year, the Company’s tax bad debt reserves were approximately $1,312. If these tax bad debt reserves are used for other than loan losses, the amount used will be subject to federal income taxes at the then prevailing corporate rates.
 
Income taxes are summarized as follows:
 
   
Year Ending June 30,
 
   
2013
   
2012
 
Current taxes:
           
 Federal income
  $ 30     $  
 State excise
           
      30        
Deferred taxes
               
 Federal income
    456       (2,229 )
 State excise
    58       (295 )
      514       (2,524 )
                 
    $ 544     $ (2,524 )

 
F-24

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 10 – INCOME TAXES (CONTINUED)
 
The provision for income taxes differs from the federal statutory corporate rate as follows:

 
Percentage of Earnings
 
Before Income Taxes
 
Years Ending June 30,
 
2013
 
2012
       
Tax at statutory rate
34.0%
 
(34.0%)
Increase (decrease) in taxes:
     
State income taxes, net of federal tax benefit
2.7
 
(4.3)
Increase in BOLI cash value
(3.8)
 
(1.4)
Additional ESOP compensation
(4.6)
 
(2.0)
Other, net
(2.9)
 
3.0
       
Effective tax rate
25.4%
 
(38.7%)
 
The provisions of GAAP related to income taxes require the Company to establish a deferred tax liability for the tax effect of the tax bad debt reserves over the base year amounts.There were no excess reserves at June 30, 2013 and 2012.The Company’s base year tax bad debt reserve is $1,312.The estimated deferred tax liability on the base year amount is approximately $502, which has not been recorded in the accompanying consolidated financial statements. The deferred tax valuation allowance is related to a capital loss carryforward that can only be used to offset capital gains.

The Company acquired a tax net operating loss (NOL) carryforward from its acquisition of State of Franklin. A deferred tax benefit was recorded for the portion deemed usable over its statutory remaining life (initially 20 years). The expiration date of the remaining NOL carryforward of $10,560 is June 30, 2029.

 A deferred tax benefit of $1,022 has been recorded for the 2011 NOL of $2,668. The NOL’s remaining life is eighteen years and management believes it will be utilized in full prior to expiration.

For 2012, a deferred tax benefit of $2,904 was recorded for the NOL of $7,585. The NOL’s remaining life is nineteen years and management believes it will be utilized in full prior to expiration.

 
F-25

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
NOTE 10 – INCOME TAXES (CONTINUED)

The components of the net deferred tax asset are summarized as follows:
 
   
June 30.
 
   
2013
   
2012
 
Deferred tax liabilities:
           
FHLB stock dividends
  $ (959 )   $ (959 )
Depreciation
    (12 )     (27 )
FHLB advance restructuring penalty
    (72 )     (181 )
Allowance for "available-for-sale" securities
          (679 )
      (1,043 )     (1,846 )
                 
Deferred tax assets:
               
Fair value adjustment from acquisition,net
    708       533  
Subsequent writedowns on foreclosed property
    434       831  
Nonaccrual interest on securities
    58       48  
NOL carryforward
    7,596       8,023  
Deferred loan fees, net
    132       124  
Deferred compensation
    62       55  
Capital loss on Silverton Bank Stock
    141       141  
Allowance for losses on loans
    2,895       2,908  
Allowance for "available-for-sale" securities
    69        
Gross deferred tax asets
    12,095       12,663  
Valuation allowance
    (141 )     (141 )
Deferred tax asset
    11,954       12,522  
                 
Net deferred tax asset
  $ 10,911     $ 10,676  
 
NOTE 11 – EMPLOYEE BENEFIT PLANS

401 (K) RETIREMENT PLAN.The Company has a defined contribution pension plan covering all employees having attained the age of 20 and one-half and completing six months of service.Normal retirement date is the participant’s sixty-fifth birthday.

Before the Company established the Employee Stock Ownership Plan (effective July 1, 2003), the 401(k) plan was funded by annual employer contributions of 10% of the total plan compensation of all participants in the plan.The amount contributed by the employer was divided among the participants in the same proportion that each participant’s compensation bore to the aggregate compensation of all participants.Employer contributions vest to employees over a seven-year period.Employees are permitted to make contributions of up to 50% of their compensation subject to certain limits based on federal tax laws.

 
F-26

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)
 
NOTE 11 – EMPLOYEE BENEFIT PLANS (CONTINUED)

EMPLOYEE STOCK OWNERSHIP PLAN.The Bank maintains an Employee Stock Ownership Plan (ESOP).On July 1, 2003, the ESOP purchased 670,089 shares of Jefferson Bancshares, Inc. from proceeds provided by the Company in the form of a loan.Thus, the ESOP is considered a leveraged plan.Employees are eligible for participation in the plan upon attaining 20 and one-half years of age and completing six consecutive calendar months during which they have performed at least 500 hours of service.Each plan year, the Bank may, in its discretion, make a contribution to the plan; however, at a minimum, the Bank has agreed to make as a contribution the amount necessary to service the debt incurred to acquire the stock.

Shares are scheduled for release as the loan is repaid.The present amortization schedule calls for 43,207 shares to be released each December 31.Dividends on unallocated shares are used to repay the loan while dividends paid on allocated shares become part of the plan’s assets.Accounting for the ESOP consists of recognizing compensation expense for the fair market value of the shares as of the date of release.Allocated shares are included in earnings per share calculations while unallocated shares are not included.

ESOP compensation expense was $158 and $109 for the years ended June 30, 2013 and 2012. The original number of shares committed was 670,089 and 43,207 were released during the years ended June 30, 2013 and 2012, respectively. The 259,239 remaining unearned shares had an approximate fair market value of $1,465 at June 30, 2013.

The Bank has also established a SERP to provide for supplemental retirement benefits with respect to the ESOP. The plan provides certain executives with benefits that cannot be provided under the ESOP as a result of the limitations imposed by the Internal Revenue Code, but that would have been provided under the ESOP but for such limitations. The Plan was amended in 2007 to change the first allocation period to December 31, 2007. Compensation expense under the SERP was $1 and $(2) for the years ended June 30, 2013 and 2012, respectively.

STOCK COMPENSATION PLANS. The Company maintains stock-based benefit plans under which certain employees and directors are eligible to receive restricted stock grants or options.Under the 2005 Stock-Based Benefit Plan, the maximum number of shares that may be granted as restricted stock is 279,500, and a maximum of 698,750 shares may be issued through the exercise of non-statutory 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.

Restricted stock grants aggregating 45,000 shares and having a fair value of $597 were awarded in 2006.Restrictions on the grants lapse in annual increments over five years.The market value as of the grant date of the restricted stock grants is charged to expense as the restrictions lapse. Compensation expense for grants vesting in 2013 and 2012 was $0 and $(27), respectively.

 
F-27

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 11 – EMPLOYEE BENEFIT PLANS (CONTINUED)

A summary of the status of the Company’s stock option plan is presented below:

   
2013
   
2012
 
         
Weighted-
         
Weighted-
 
         
average
         
average
 
   
Shares
   
exercise price
   
Shares
   
exercise price
 
                         
Outstanding at beginning of period
    340,638     $ 13.69       525,287     $ 12.69  
Granted during the 12 month period
    20,000     $ 1.97           $  
Options exercised
                           
Options forfeited
                  (184,649 )   $ 10.85  
Outstanding at end of year
    360,638     $ 13.04       340,638     $ 13.69  
Options exercisable at end of year
    340,638     $ 13.69       340,638     $ 13.69  
 
Information pertaining to options outstanding at June 30, 2013 is as follows:
 
   
Options Outstanding
   
Options Exercisable
 
         
Weighted
                   
         
Average
   
Weighted
             
         
Remaining
   
Average
         
Weighted
 
   
Number
   
Contractual
   
Exercise
   
Number
   
Average
 
Range of Exercise Prices
 
Outstanding
   
Life
   
Price
   
Exercisable
   
Exercise Price
 
1.01 - 2.00
    20,000       9.08     $ 1.97           $  
13.01 - 14.00
    340,638       0.58     $ 13.69       340,638     $ 13.69  
 
NOTE 12 – MINIMUM REGULATORY CAPITAL REQUIREMENTS

The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by federal and state banking agencies.Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements.Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices.The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and core and tangible capital (as defined) to tangible assets (as defined). Management believes as of June 30, 2013 and 2012, that the Bank met all capital adequacy requirements to which it was subject.

 
F-28

 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 12 – MINIMUM REGULATORY CAPITAL REQUIREMENTS (CONTINUED)

As of June 30, 2013, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables.There are no conditions or events since the notification that management believes have changed the Bank's category. The Company and Bank’s actual capital amounts and ratios as of June 30, 2013 and 2012 are also presented in the table.
 
                             
To Be Well
 
                             
Capitalized Under
 
               
For Capital
   
Prompt Corrective
 
   
Actual
   
Adequacy Purposes
   
Action Provisions
 
   
Amount
   
Ratio
   
Amount
     
Ratio
   
Amount
     
Ratio
 
   
(Dollars in thousands)
 
At June 30, 2013
                                       
Total Risk-Based Capital
                                       
(To Risk Weighted Assets)
                                       
 Consolidated
  $ 53,507       15.25 %   $ 28,078  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    49,773       14.18 %     28,075  
 
    8.0 %     35,093  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    49,104       13.99 %     14,039  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       12.93 %     14,037  
 
    4.0 %     21,056  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
 Consolidated
    49,104       9.97 %     19,697  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       9.21 %     19,695  
 
    4.0 %     24,619  
 
    5.0 %
                                                     
At June 30, 2012
                                                   
Total Risk-Based Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
  $ 50,937       14.63 %   $ 27,857  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    46,815       13.42 %     27,900  
 
    8.0 %     34,875  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    46,566       13.37 %     13,929  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    42,437       12.17 %     13,950  
 
    4.0 %     20,925  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
Consolidated
    46,566       9.03 %     20,637  
 
    4.0 %  
NA
 
Jefferson Federal Bank
    42,437       8.23 %     20,634  
 
    4.0 %     25,792  
 
    5.0 %

 
F-29

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 12 – MINIMUM REGULATORY CAPITAL REQUIREMENTS (CONTINUED)

The following table provides reconciliation between GAAP capital and the various categories of regulatory capital:
 
   
Bank
 
   
June 30,
 
   
2013
   
2012
 
             
GAAP Capital
  $ 57,053     $ 56,290  
Adjustments:
               
Deferred Taxes
    (10,652 )     (11,221 )
Unrealized gains
    111       (1,095 )
Disallowed intangibles
    (1,151 )     (1,537 )
                 
Core, Tangible and Tier 1 Capital
    45,361       42,437  
                 
Adjustments:
               
Allowance for losses
    4,412       4,378  
                 
Total Capital
  $ 49,773     $ 46,815  
 
NOTE 13 – RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES

Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company.The total amount of dividends which may be paid at any date is generally limited to the retained earnings of the Bank, and loans or advances are limited to 10 percent of the Bank’s capital stock and surplus on a secured basis.

At June 30, 2013, the Bank’s retained earnings available for the payment of dividends was $0. Accordingly, $56,189 of the Company’s equity in the net assets of the Bank was restricted at June 30, 2013.Funds available for loans or advances by the Bank to the Company amounted to $5,705.

In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.

NOTE 14 – FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business.These financial instruments generally include commitments to originate mortgage loans.Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on 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.

 
F-30

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 15 – COMMITMENTS AND CONTINGENCIES

Commitments to originate mortgage loans are legally binding agreements to lend to the Company's customers and generally expire in ninety days or less.There were no commitments at June 30, 2013 to originate adjustable-rate mortgage loans or to originate fixed-rate mortgage loans with a term of twenty years or less. The Company has $320 in unfunded letters of credit and $27,663 in unfunded lines of credit at June 30, 2013. The Company also has $15,330 in commitments to fund residential construction, commercial real estate construction and land development loans at June 30, 2013.

The Company has entered into employment agreements with its President and CEO Anderson L. Smith and two other officers. Agreement stipulations are terms, duties, compensation and performance bonuses and provide remedies for all parties upon certain events occurring.Mr. Smith’s agreement provides for deferred compensation upon attaining the age of 65.

Upon completion of the Bank’s conversion from mutual to stock form, a “liquidation account” was established in an amount equal to the total equity of the Bank as of the latest practicable date prior to the conversion.The liquidation account was established to provide limited priority claim to the assets of the Bank to “eligible account holders”, as defined in the Plan of Conversion, who continue to maintain deposits in the Bank after the conversion. In the unlikely event of a complete liquidation of the Bank, and only in such event, each eligible account holder and supplemental eligible account holder would receive a liquidation distribution, prior to any payment to the holder of the Bank’s common stock. This distribution would be based upon each eligible account holder’s and supplemental eligible account holder’s proportionate share of the then total remaining qualifying deposits.At the time of the conversion, the liquidation account, which is an off-balance sheet memorandum account, amounted to $29.5 million.

NOTE 16 – RELATED PARTY TRANSACTIONS

In the ordinary course of business, the Company obtains products and services from directors or affiliates thereof.In the opinion of management, such transactions are made on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated persons.

 
F-31

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 17 – CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY

Financial information pertaining only to Jefferson Bancshares, Inc. is as follows:
 
Balance Sheet
 
June 30, 2013
 
       
Assets
     
Cash and due from banks
  $ 928  
Investment in common stock of Jefferson Federal Bank
    57,052  
Investment in common stock of State of Franklin Statutory Trust II
    1  
Loan receivable from ESOP
    3,082  
Other assets
    95  
Total assets
  $ 61,158  
         
         
Liabilities and Stockholders' Equity
       
Accrued expenses
  $ 361  
Other liabilities
    413  
Subordinated debentures
    7,359  
Stockholders' equity
    53,025  
Total liabilities and stockholders' equity
  $ 61,158  
 
   
Year Ended
 
Statement of Income
 
June 30, 2013
 
       
       
Dividends from Jefferson Federal Bank
  $  
Interest income
    132  
Other income
     
Total income
    132  
         
Interest expense     325  
Other operating expenses
    150  
         
Income before income taxes and equity in undistributed
       
net income of Jefferson Federal Bank
    (343 )
         
Income tax
    (131 )
      (212 )
         
Equity in undistributed earnings (loss) of subsidiaries
    1,806  
         
Net Income
  $ 1,594  

 
F-32

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 17 – CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (CONTINUED)
 
   
Year Ended
 
Statement of Cash Flows
 
June 30, 2013
 
       
Cash flows from operating activities:
     
Net income
  $ 1,594  
Adjustments to reconcile net income to net
       
cash provided by operating activities:
       
         
Equity in undistributed (earnings) loss of subsidiaries
    (1,806 )
Deferred tax expense
    (131 )
Amortization/accretion of intangibles
    112  
Increase in other assets
    10  
Increase in other liabilities
    199  
         
Net cash provided by operations
    (22 )
         
Cash flows from investing activities:
       
Return of principal on loan to ESOP
    447  
         
Net cash used for investing activities
    447  
         
Cash flows from financing activities:        
Purchase of treasury stock
    (156 )
         
Net cash provided by financing activities
    (156 )
         
Net increase in cash and cash equivalents
    269  
Cash and cash equivalents at beginning of year
    659  
         
Cash and cash equivalents at end of year
  $ 928  

 
F-33

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 18 – QUARTERLY FINANCIAL INFORMATION
 
The following table summarizes selected information regarding the Company’s results of operations for the periods indicated (in thousands except per share data):
 
   
Three Months Ended
 
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2012
   
2012
   
2013
   
2013
 
                         
Interest income
  $ 4,969     $ 4,931     $ 4,781     $ 4,820  
Interest expense
    846       789       751       744  
Net interest income
    4,123       4,142       4,030       4,076  
                                 
Provision for loan losses
    300       300       200        
Net interest income after provision for loan losses
    3,823       3,842       3,830       4,076  
Noninterest income
    456       581       582       494  
Noninterest expense
    3,906       3,961       3,873       3,806  
Earnings before income taxes
    373       462       539       764  
Income taxes
    78       114       153       199  
Net earnings
  $ 295     $ 348     $ 386     $ 565  
                                 
Earnings per share, basic
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  
Earnings per share, diluted
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  

   
Three Months Ended
 
                         
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2011
   
2011
   
2012
   
2012
 
                         
Interest income
  $ 6,120     $ 5,775     $ 5,302     $ 5,235  
Interest expense
    1,355       1,203       1,073       939  
Net interest income
    4,765       4,572       4,229       4,296  
                                 
Provision for loan losses
    2,986       5,687       600       600  
Net interest income after provision for loan losses
    1,779       (1,115 )     3,629       3,696  
Noninterest income
    603       578       508       491  
Noninterest expense
    4,020       5,095       3,772       3,806  
Earnings before income taxes
    (1,638 )     (5,632 )     365       381  
Income taxes
    (680 )     (1,965 )     31       90  
Net earnings
  $ (958 )   $ (3,667 )   $ 334     $ 291  
                                 
Earnings per share, basic
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  
Earnings per share, diluted
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  

 
F-34

 

JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 19 – SUBORDINATED DEBT
 
As part of the State of Franklin acquisition, the Company acquired the 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 $10,310 of junior subordinated debentures to the Trust, a Delaware business trust wholly owned by State of Franklin. The Trust (a) sold $10,000 of capital securities through its underwriters to institutional investors and upstreamed the proceeds to State of Franklin and (b) issued $310 of common securities to State of Franklin.The sole assets of the Trust are the $10,310 of junior subordinated debentures issued by State of Franklin. The securities are redeemable at par after January 30, 2012, and have a final maturity January 30, 2037.The interest is payable quarterly at a floating rate equal to 3-month LIBOR plus 1.7%.
 
On January 11, 2012, the Company notified the Trustee for the Trust that, beginning with the January 20, 2012 interest payment period, the Company has elected to defer all payments of interest on the Company’s junior subordinated debentures for an indefinite period of time (but no longer than 20 consecutive quarterly periods).Under the terms of the indenture, the Company is prohibited from paying dividends on its common stock during the period that interest is deferred on the debentures.
 
NOTE 20 – FAIR VALUE DISCLOSURES

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability in the 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. Generally accepted accounting principles in the United States of America (“GAAP”) establishes a hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Three levels of input may be used to measure fair value as follows:

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.

 
F-35

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 20 – FAIR VALUE DISCLOSURES (CONTINUED)

Following is a description of valuation methodologies used for assets and liabilities 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 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 mortgage-backed securities issued by government-sponsored entities and other debt securities.

Impaired Loans and Other Real Estate Owned

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 in accordance with U.S. GAAP. The fair value of impaired loans is estimated 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 June 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 are tables that present information about certain assets and liabilities measured at fair value:
 
    June 30, 2013  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
95,082
   
$
942
   
$
96,024
 
 
$
96,024
 
 
 
F-36

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 20 – FAIR VALUE DISCLOSURES (CONTINUED)
 
    June 30, 2012  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
82,738
   
$
745
   
$
83,483
 
 
$
83,483
 
 
The following table below presents, for the year ending June 30, 2013, the changes in Level 3 assets that are measured at fair value on a recurring basis:
 
               
Other
         
Transfers
       
   
Balance at
         
Comprehensive
         
In or Out
   
Balance at
 
   
June 30, 2012
   
Net Income
   
Income
   
Paydowns
   
of Level 3
   
June 30, 2013
 
                                     
Securities available for sale
  $ 745     $     $ 345     $ (148 )   $     $ 942  
 
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 at June 30, 2013 and 2012 are included in the table below.
 
   
June 30, 2013
   
June 30, 2012
 
                     
Total Gains
                     
Total Gains
 
Description
 
Level 1
   
Level 2
   
Level 3
   
(Losses)
   
Level 1
   
Level 2
   
Level 3
   
(Losses)
 
                                                 
Impaired Loans
  $     $     $ 12,594     $ (927 )   $     $     $ 21,549     $ (1,509 )
Other real estate owned
                5,433       (60 )                 6,075       (481 )
 
Individual loans with a carrying amount of $14,437 were written down to their fair value of $12,594 resulting in an impairment charge of $1,843 of which $927 was charged to earnings for the period ended June 30, 2013. For the period ending June 30, 2012, individual loans with a carrying amount of $24,410 were written down to their fair value of $21,549 resulting in an impairment charge of $2,861 of which $1,509 was charged to earnings.Loans applicable to write downs of impaired loans are estimated using the present value of expected cash flows or the appraised value of the underlying collateral discounted as necessary due to management’s estimates of changes in economic conditions.

Other real estate owned is being carried at appraised value less anticipated selling expenses resulting in a charge to earnings of $60 and $481 for the years ended June 30, 2013 and 2012, respectively.

 
F-37

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 20 – FAIR VALUE DISCLOSURES (CONTINUED)

The carrying value and estimated fair value of the Company's financial instruments are as follows:
 
   
June 30, 2013
   
June 30, 2012
 
   
Carrying
   
Fair
   
Carrying
   
Fair
 
   
Amount
   
Value
   
Amount
   
Value
 
                         
Financial assets:
                       
Cash and due from banks and interest-earning deposits with banks
  $ 24,514     $ 24,514     $ 56,693     $ 56,693  
Available-for-sale securities
    96,024       96,024       83,483       83,483  
Federal Home Loan Bank stock
    4,735       4,735       4,735       4,735  
Bank owned life insurance
    7,100       7,100       6,861       6,861  
Loans receivable
    321,299       329,268       322,499       330,664  
Accrued interest receivable
    1,409       1,409       1,575       1,575  
Loans held-for-sale
    97       97       381       381  
                                 
Financial liabilities:
                               
Deposits
    (399,642 )     (391,442 )     (423,882 )     (424,523 )
Borrowed funds
    (38,177 )     (39,505 )     (38,261 )     (40,064 )
Subordinated debentures
    (7,358 )     (4,950 )     (7,245 )     (4,200 )
                                 
Off-balance sheet assets (liabilities):
                               
Commitments to extend credit
          15,330             8,452  
Unused letters of credit
          320             4,454  
Unused lines of credit
          27,663             31,409  
 
The following methods and assumptions were used by the Corporation 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 approximates fair value.

Investment securities – See the discussion presented on Page 38 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.

 
F-38

 
 
JEFFERSON BANCSHARES, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements
(Dollars in Thousands)

NOTE 21 – CORE DEPOSIT INTANGIBLE (CDI)

CDI is composed of the following:
 
   
June 30,
 
   
2013
   
2012
 
             
Beginning balance of core deposit intangible
  $ 1,537     $ 1,978  
Less: amortization
    (386 )     (441 )
                 
Core deposit intangibles, net
  $ 1,151     $ 1,537  
 
CDI is amortized using an accelerated method over 10 years.

Future amortization of CDI is as follows:
 
Year Ending June 30,
     
       
2014
  $ 330  
2015
    275  
2016
    219  
2017
    163  
2018
    108  
thereafter
    56  
 
Amortization expense related to CDI is $386 and $441 for the years ending June 30, 2013 and 2012, respectively.
 
 
F-39 

EX-21.1 2 ex21-0.htm LIST OF SUBSIDIARIES ex21-0.htm


 
EXHIBIT 21.0

List of Subsidiaries

Registrant: Jefferson Bancshares, Inc.


Subsidiaries
 
Percentage
Ownership
 
Jurisdiction or
State of Incorporation
Jefferson Federal Bank
 
100%
 
United States
         
State of Franklin Statutory Trust II
 
100%
 
Delaware
 
 

EX-23.0 3 ex23-0.htm CONSENT OF CRAINE, THOMPSON & JONES, P.C. ex23-0.htm


 
EXHIBIT 23.0

Independent Auditor’s Consent

We consent to the incorporation by reference of our report dated September 13, 2013, on the consolidated balance sheets of Jefferson Bancshares, Inc. as of June 30, 2013 and June 30, 2012, and the related consolidated statements of income, comprehensive income, stockholders’ equity and cash flows for each of the years then ended, which report is included in the Annual Report on Form 10-K for the year ended June 30, 2013 of Jefferson Bancshares, Inc., in the Registration Statements on Form S-8 (Nos. 333-106807, 333-106808 and 333-112051) filed by Jefferson Bancshares, Inc. with the United States Securities and Exchange Commission.
 
/s/ Craine, Thompson & Jones, P.C.
 
   
Morristown, Tennessee
 
September 26, 2013
 
 
 

EX-31.1 4 ex31-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER ex31-1.htm


 
EXHIBIT 31.1

CERTIFICATION

I, Anderson L. Smith, certify that:

1.
I have reviewed this Annual Report on Form 10-K of Jefferson Bancshares, Inc.;

2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.
The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 
(c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 
 
(d)
Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.
The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Date: September 30, 2013   /s/ Anderson L. Smith
   
Anderson L. Smith
   
President and Chief Executive Officer
    (principal executive officer)
 
 

EX-31.2 5 ex31-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER ex31-2.htm


 
EXHIBIT 31.2

CERTIFICATION

I, Jane P. Hutton, certify that:

1.
I have reviewed this Annual Report on Form 10-K of Jefferson Bancshares, Inc.;

2.
Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

4.
The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 
(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 
(b)
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 
(c)
Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 
(d)
Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

5.
The registrant’s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 
(a)
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 
(b)
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Date: September 30, 2013    /s/ Jane P. Hutton 
   
Jane P. Hutton
   
Chief Financial Officer, Treasurer and Secretary
   
(principal financial and accounting officer)
 
 

EX-32.0 6 ex32-0.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER ex32-0.htm


 
EXHIBIT 32.0
 
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADDED BY
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Jefferson Bancshares, Inc. (the “Company”) on Form 10-K for the fiscal year ended June 30, 2013 as filed with the Securities and Exchange Commission (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as added by Section 906 of the Sarbanes-Oxley Act of 2002, that:

(1)
The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)
The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.
 
   
/a/ Anderson L. Smith
   
Anderson L. Smith
   
President and Chief Executive Officer
   
(principal executive officer)
 
   
/s/ Jane P. Hutton
   
Jane P. Hutton
   
Chief Financial Officer, Treasurer and Secretary
   
(principal financial and accounting officer)
     
Date: September 30, 2013    
 
 

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style="display: inline; font: 10pt Times New Roman">Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability in the 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. Generally accepted accounting principles in the United States of America (&#8220;GAAP&#8221;) establishes a hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. 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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.</font></div> <div style="text-indent: 0pt; display: block"><br /> </div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; text-align: left"><font style="display: inline; font: bold 10pt Times New Roman">Level 3</font></div> <div style="text-indent: 0pt; display: block"><br /> </div> <div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt Times New Roman">Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. 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Level 3 securities include mortgage-backed securities issued by government-sponsored entities and other debt securities.</font></div> <div style="text-indent: 0pt; display: block"><br /> </div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; text-align: justify"><font style="display: inline; font: bold 10pt Times New Roman"><font style="display: inline; text-decoration: underline">Impaired Loans and Other Real Estate Owned</font></font></div> <div style="text-indent: 0pt; display: block"><br /> </div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; text-align: justify"><font style="display: inline; font: 10pt Times New Roman">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. 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The original number of shares committed was 670,089 and 43,207 were released during the years ended June 30, 2013 and 2012, respectively. The 259,239 remaining unearned shares had an approximate fair market value of $1,465 at June 30, 2013.</font></div> <div style="text-indent: 0pt; display: block"><br /> </div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt; text-align: justify"><font style="display: inline; font: 10pt Times New Roman">The Bank has also established a SERP to provide for supplemental retirement benefits with respect to the ESOP. The plan provides certain executives with benefits that cannot be provided under the ESOP as a result of the limitations imposed by the Internal Revenue Code, but that would have been provided under the ESOP but for such limitations. The Plan was amended in 2007 to change the first allocation period to December 31, 2007. 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Company Legal Entity [Axis] Equity Components [Axis] Residential One- to Four-Family Real Estate Loan Class of Financing Receivable [Axis] Commercial Loans Commercial Real Estate Loans Construction Real Estate Loans Home Equity Line of Credit Multi-family Real Estate Loans Real Estate Loans Land Real Estate Loans Loans secured by deposit accounts Other consumer loans Loans secured by automobiles Mobile home loans Non-Real Estate Loans Residential Mortgage Construction and Land Development Loans Nonresidential Real Estate Loans HELOC and Junior Liens Consumer Loans Owner Occupied Loans Commercial Loans Pass Internal Credit Assessment [Axis] Multi-family Real Estate Loans Watch Special Mention Substandard Doubtful Loss Exercise Price Range 1.01 - 2.00 Exercise Price Range 13.01-14.00 Available-for-sale Securities Asset Class [Axis] Consolidated Document And Entity Information Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Current Fiscal Year End Date Is Entity a Well-known Seasoned Issuer? Is Entity a Voluntary Filer? Is Entity's Reporting Status Current? Entity Filer Category Entity Public Float Entity Public Float, closing price per share Entity Common Stock, Shares Outstanding Document Fiscal Period Focus Document Fiscal Year Focus Statement of Financial Position [Abstract] Assets Cash and cash equivalents Interest-earning deposits Investment securities classified as available for sale, net Federal Home Loan Bank stock Bank owned life insurance Loans receivable, net of allowance for loan losses of $5,660 and $5,852 Loans held-for-sale Premises and equipment, net Foreclosed real estate, net Accrued interest receivable: Investments Loans receivable Deferred tax asset Core deposit intangible Other assets Total Assets Liabilities and Stockholders' Equity Deposits Noninterest-bearing Interest-bearing Repurchase agreements Federal Home Loan Bank advances Subordinated debentures Other liabilities Accrued income taxes Total liabilities 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 6,601,091 and 6,631,989 shares outstanding at June 30, 2013 and 2012, respectively Additional paid-in capital Unearned ESOP shares Unearned compensation Accumulated other comprehensive income Retained earnings Treasury stock, at cost (2,581,280 and 2,550,383 shares) Total stockholders' equity Total liabilities and stockholders' equity Allowance for loan losses Preferred stock, par value Preferred stock, shares authorized Common stock, par value Common stock, shares authorized Common stock, shares issued Common stock, shares outstanding Treasury stock, shares Income Statement [Abstract] Interest income: Interest on loans receivable Interest on investment securities Other interest Total interest income Interest expense: Deposits Securities sold under repurchase agreements Advances from FHLB Subordinated debentures Total interest expense Net interest income Provision for loan losses Net interest income after provision for loan losses Noninterest income: Mortgage origination income Service charges and fees Gain (loss) on sale of fixed assets Gain on sale of investment securities, net Impairment of investment securities Loss on sale of foreclosed real estate BOLI increase in cash value Other Total noninterest income Noninterest expense: Compensation and benefits Occupancy expense Equipment and data processing expense DIF deposit insurance premiums Advertising Professional services Valuation adjustment and expenses on other real estate owned Amortization of intangible assets Other Total noninterest expense Earnings (loss) before income taxes Income taxes: Current Deferred Total income taxes Net earnings (loss) Net earnings (loss) per share, basic Net earnings (loss) per share, diluted Statement of Comprehensive Income [Abstract] Net earnings (loss) Other comprehensive income: Unrealized holding gain (loss) Reclassification for realized gains included in net income, net of taxes Income tax benefit (expense) Comprehensive income (loss) Statement [Table] Statement [Line Items] Balance, beginning Other comprehensive income Shares committed to be released by the ESOP Earned portion of grants Stock options expensed Purchase of common stock Balance, ending Statement of Stockholders' Equity [Abstract] Purchase of common stock, shares Statement of Cash Flows [Abstract] Cash flows from operating activities: Adjustments to reconcile net earnings to net cash provided by (used for) operating activities: Allocated ESOP shares Depreciation and amortization expense Amortization of premiums (discounts), net on investment securities (Gain) loss on sale of fixed assets (Gain) on sale of investment securities and mortgage-backed securities, net Amortization of deferred loan fees, net Loss on sale of foreclosed real estate, net Deferred tax expense (benefit) Originations of mortgage loans held for sale Proceeds from sale of mortgage loans Increase in cash value of life insurance Earned portion of MRP Stock options expensed Decrease (increase) in: Accrued interest receivable Other assets Increase (decrease) in other liabilities and accrued income taxes Net cash provided by (used for) operating activities Cash flows used for investing activities: Loan originations, net of principal collections Purchase of investment securities classified as held-to-maturity Investment securities classified as available-for-sale: Purchase of securities Proceeds from sale Proceeds from maturities, calls and prepayments Purchase of premises and equipment Proceeds from sale of fixed assets Proceeds from sale of (additions to) foreclosed real estate, net Net cash provided by (used for) investing activities Cash flows from financing activities: Net increase (decrease) in deposits Net increase (decrease) in repurchase agreements Repayment of FHLB advances Purchase of treasury stock Net cash provided by (used for) financing activities Net increase (decrease) in cash, cash equivalents and interest-earning deposits Cash, cash equivalents and interest-earning deposits at beginning of period Cash, cash equivalents and interest-earning deposits at end of period Supplemental disclosures of cash flow information: Cash paid during period for: Interest on deposits Interest on borrowed funds Interest on subordinated debentures Income taxes Real estate acquired in settlement of loans Nature Of Business And Summary Of Significant Accounting Policies NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Restrictions On Cash And Amounts Due From Banks RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS Earnings Per Share [Abstract] EARNINGS PER SHARE Recent Accounting Pronouncements RECENT ACCOUNTING PRONOUNCEMENTS Investment Securities Investment Securities Loans Receivable, Net [Abstract] LOANS RECEIVABLE, NET Premises And Equipment Net PREMISES AND EQUIPMENT, NET Deposits [Abstract] DEPOSITS Fhlb Advances FHLB ADVANCES Income Taxes INCOME TAXES Employee Benefit Plans EMPLOYEE BENEFIT PLANS Minimum Regulatory Capital Requirements MINIMUM REGULATORY CAPITAL REQUIREMENTS Restrictions On Dividends Loans And Advances RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES Financial Instruments With Off-Balance Sheet Risk FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK Commitments And Contingencies COMMITMENTS AND CONTINGENCIES Related Party Transactions [Abstract] RELATED PARTY TRANSACTIONS Condensed Financial Statements Of Parent Company CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY Quarterly Financial Information QUARTERLY FINANCIAL INFORMATION Subordinated Debt SUBORDINATED DEBT Fair Value Disclosures [Abstract] FAIR VALUE DISCLOSURES Core Deposit Intangible Cdi CORE DEPOSIT INTANGIBLE (CDI) Nature Of Business And Summary Of Significant Accounting Policies Policies Principles of Consolidation Use of Estimates Significant Group Concentrations of Credit Risk Cash and cash equivalents Marketable securities Loans receivable Mortgage Loans Allowance for loan and lease loss Financial instruments Premises and equipment Foreclosed real estate Income taxes Share based compensation Core Deposit Intangible Segment Reporting Earnings Per Share Tables Schedule of number of weighted-average shares of common stock used for earning per common share calculation Investment Securities Tables Schedule of investment securities Schedule of securities with unrealized losses not recognized in income Schedule of maturities of debt securities Schedule of proceeds from sale of debt securities and gross realized gains and losses Loans Receivable Net Tables Schedule of loans receivable, net Schedule of impaired and non-accrual loans Schedule of activity in the allowance for loan losses Schedule of aging analysis of the loan portfolio Schedule of credit risk profile by internally assigned grade Schedule of composition of impaired loans Schedule of troubled debt restructuring and modifications of loans Schedule of loans to directors, executive officers and associates Premises And Equipment Net Tables Schedule of premises and equipment Schedule of future minimum payments of non-cancelable lease agreements Schedule of future minimum payments for service contracts Deposits Tables Schedule of Deposits Scheduled maturities of time deposits Interest on deposits Fhlb Advances Tables Schedule of maturities and weighted average rates of fixed rate FHLB advances Income Taxes Tables Schedule of income tax summary Schedule of effective income tax rate reconciliation Schedule of components of net deferred tax assets Employee Benefit Plans Tables Schedule of the Company's stock option plans Mortgage Banking [Abstract] Schedule of compliance with regulatory capital requirements Reconciliation between GAAP capital and the various categories of regulatory capital Condensed Financial Statements Of Parent Company Tables Schedule of Condensed Balance Sheet Schedule of Condensed Income Statement Schedule of Condensed Cash Flow Statement Quarterly Financial Information Tables Schedule of quarterly financial information Fair Value Disclosures Tables Schedule of assets and liabilities recorded at fair value on a recurring basis Schedule of changes in Level 3 assets measured at fair value on a recurring basis Schedule of assets and liabilities recorded at fair value on a nonrecurring basis Schedule of carrying value and estimated fair value of financial instruments Core Deposit Intangible Cdi Tables Schedule of core deposit intangible Schedule of future amortization of core deposit intangible Nature Of Business And Summary Of Significant Accounting Policies Details Narrative Interest bearing deposits in other depository institutions Principal balance for loans evaluated every quarter Troubled debt restructurings Threshold cost for assets to be capitalized Portion of unvested portion of options expensed in period Amount of remaining unrecognized service cost due to unvested options Expected dividend yield of options Expected volatility of options Risk free rate of return of options Amortization period of core deposit intangible Restrictions On Cash And Amounts Due From Banks Details Narrative Reserves held with Federal Reserve Bank Earnings Per Share Details Earnings Per Common Share Weighted average number of common shares used in computing basic earnings per common share 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 Securities pledged to secure public funds, repurchase agreements and advances from the Federal Home Loan Bank Unrealized losses on securities Number of securities in unrealized loss position Available For Sale Securities Amortized Cost Unrealized Gains Unrealized losses on securities Securities available for sale fair value Weighted-average rate Less than 12 Months, Fair Value Less than 12 Months, Unrealized Losses 12 Months or Longer, Fair Value 12 Months or Longer, Unrealized Losses Total, Fair Value Total, Unrealized Losses Investment Securities Details 2 Available For Sale Debt securities, Amortized Cost Within 1 year Over 1 year through 5 years After 5 years through 10 years Over 10 years Total Available For Sale Debt securities, Fair Value Within 1 year Over 1 year through 5 years After 5 years through 10 years Over 10 years Total Available For Sale Debt securities, Weighted Average Yield Within 1 year (as a percent) Over 1 year through 5 years (as a percent) After 5 years through 10 years (as a percent) Over 10 years (as a percent) Weighted-average yield (as a percent) Investment Securities Details 3 Proceeds from sales Gross realized gains Gross realized losses Net gains (losses) Loans receivable, net Gross Loans Deferred loan fees, net Allowance for loan losses Loans receivable, net Weighted average rate Loans Receivable Net Details 1 Impaired and Non-Accrual Loans Impaired loans without a valuation allowance Impaired loans with a valuation allowance Total impaired loans Valuation allowance for impaired loans Total non-accrual loans Average investment in impaired loans Interest income recognized on impaired loans Allowance for loan losses: Beginning Balance Charge offs Recoveries Provision Ending balance Individually evaluated for impairment Collectively evaluated for impairment Net Loans receivable: Gross Loans Individually evaluated for impairment Collectively evaluated for impairment 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 Total past due Total Current Total loans receivable Credit risk profile by internally assigned grade: Composition of Impaired 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 Loans classified as TDRs: Accrual Status Non-accrual status Number of Loans Total TDRs Loans modified during the period Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Loans Receivable Net Details 8 Loans to directors, executive officers and associates of such person: Balance, beginning Additions Reclassifications Repayments Balance, ending Premises And Equipment Net Details Narrative Depreciation expense Lease expense Data processing service expense Components of premises and equipment, net Premises and equipment, gross Accumulated depreciation and amortization Premises and equipment, net Premises And Equipment Net Details 1 Future Minimum Lease Payments, for the year ended 2014 2015 [OperatingLeasesFutureMinimumPaymentsDue] Premises And Equipment Net Details 2 Future minimum payments for service contract, for the year ended 2014 2015 2016 [OtherCommitment] Deposits Details Narrative Aggregate amount of time deposits greater than $100 FDIC Deposit Insurance Threshold Overdrafts reclassified as loans Non-interest bearing accounts NOW accounts Savings accounts Money market accounts Total transaction accounts Certificates: Total Certificates Total Deposits Weighted-average rate - Total Deposits Weighted-average rate - NOW Weighted-average rate - Savings Weighted-average rate - Money Market Weighted-average rate - Certificates Of Deposit Deposits Details 1 Maturities of Time Deposits 2014 2015 2016 2017 2018 Total Deposits Details 2 Interest on Deposits NOW Savings MMA Certificates [us-gaap:InterestExpenseDomesticDepositLiabilities] Less: penalties Total Fhlb Advances Details Narrative FHLB fixed rate advances, interest rate, lower range FHLB fixed rate advances, interest rate, upper range Weighted average interest rate of FHLB Advances Maximum advance Additional borrowing capacity Outstanding Advances from FHLB FHLB advances putable FHLB advances convertible Fhlb Advances Details Fixed Rate Advances Maturing: Amount Less than 1 year 1 to 2 years 2 to 3 years 3 to 4 years 4 to 5 years 5 to 10 years After 10 years Total FHLB Advances Weighted Average Rate Less than 1 year 1 to 2 years 2 to 3 years 3 to 4 years 4 to 5 years 5 to 10 years After 10 years Total FHLB Advances Income Taxes Details Narrative Bad debt deduction, percent of taxable income Tax bad debt reserves Deferred tax liability on base year tax bad debt reserve Net operating loss (NOL) carryforward Statutory remaining life (years) Expiration Date of NOL carryforward Deferred tax benefit Income Taxes Details Components of income tax expense Current taxes: Federal income State excise [CurrentIncomeTaxExpenseBenefit] Deferred taxes Federal income State excise [DeferredIncomeTaxExpenseBenefit] Total income taxes Income Taxes Details 1 Income Tax reconciliation Tax at statutory rate Increase (decrease) in taxes: State income taxes, net of federal tax benefit Increase in BOLI cash value Additional ESOP compensation Other, net Effective tax rate Income Taxes Details 2 Components of net deferred tax asset Deferred tax liabilities FHLB stock dividends Depreciation FHLB advance restructuring penalty Allowance for "available-for-sale" securities [us-gaap:DeferredIncomeTaxLiabilities] Deferred tax assets: Fair value adjustment from acquisition, net Subsequent writedowns on foreclosed property Nonaccrual interest on securities NOL carryforward Deferred loan fees, net Deferred compensation Capital loss on Silverton Bank Stock Allowance for losses on loans Allowance for "available-for-sale" securities Gross deferred tax assets Valuation allowance Deferred tax asset Net deferred tax asset 401(K) Plan Plan opening contribution made on behalf of employees, based upon total plan compensation of all participants Maximum contribution by employee, based on overall compensation Employee Stock Ownership Plan Age eligible to participate in ESOP Completion of time to be eligible to participate in ESOP Completion of hours to be eligible to participate in ESOP Number of shares in ESOP plan Number of shares committed and released Allocated ESOP compensation expense Unearned shares Fair value of shares in ESOP Compensation expense under SERP Stock Compensation Plans Maximum number of shares authorized Restricted stock grants awarded Fair value of restricted stock grants awarded Co\mpensation expense for grants vesting Number of Shares Options outstanding, beginning Options granted Options exercised Options forfeited Options outstanding, ending Options exercisable, ending Weighted Average Exercise Price Options outstanding, beginning Options granted Options exercised Options forfeited Options outstanding, ending Options exercisable, ending Weighted Average Remaining Contractual Life Weighted Average Remaining Contractual Life of options outstanding [us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber] Compliance with Regulatory Requirements Actual Total Risk-Based Capital (To Risk Weighted Assets) Total Risk-Based Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Risk Weighted Assets) Tier 1 Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Average Assets) Tier 1 Capital Ratio (To Average Assets) Minimum Required for Capital Adequacy Purposes Total Risk-Based Capital (To Risk Weighted Assets) Total Risk-Based Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Risk Weighted Assets) Tier 1 Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Average Assets) Tier 1 Capital Ratio (To Average Assets) Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Total Risk-Based Capital (To Risk Weighted Assets) Total Risk-Based Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Risk Weighted Assets) Tier 1 Capital Ratio (To Risk Weighted Assets) Tier 1 Capital (To Average Assets) Tier 1 Capital Ratio (To Average Assets) Minimum Regulatory Capital Requirements Details 1 Reconciliation between GAAP capital and various categories of regulatory capital: GAAP Capital Adjustments: Deferred Taxes Unrealized gains Disallowed intangibles Core, Tangible and Tier 1 Capital Adjustments: Allowance for losses Total Capital Restrictions On Dividends Loans And Advances Details Narrative Retained earnings available for payment of dividends Company's equity in net assets of the bank restricted Funds available for loans or advances by teh Bank ot the Company Unfunded commitments Off-balance sheet liquidation account Assets Cash and due from banks Investment in common stock of Jefferson Federal Bank Investment in common stock of State of Franklin Statutory Trust II Loan receivable from ESOP Total assets Liabilities and Stockholders' Equity Accrued expenses Stockholders' equity Total liabilities and stockholders' equity Dividends from Jefferson Federal Bank Interest income Other income Total Income Interest expense Other operating expenses Income before Taxes and Equity in Undistributed Net Income of Jefferson Federal Bank Income tax [ProfitLoss] Equity in undistributed earnings of subsidiary Net income Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed (earnings) loss of subsidiaries Deferred tax expense Amortization/accretion of intangibles Increase in other assets Increase in other liabilities Net cash provided by (used for) operating activities Cash flows from investing activities: Return of principal on loan to ESOP Net cash provided by (used for) investing activities Net cash provided by (used for) financing activities Net increase in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year Quarterly Financial Information Details Interest income Net interest income Net interest income after provision for loan losses Noninterest income Noninterest expense Earnings before income taxes Income taxes Net earnings Earnings per share, basic Earnings per share, diluted Subordinated Debt Details Narrative Issue of junior subordinated debenture to third party investors Common securites issued to State of Franklin by trust Junior subordinated debentures owned by trust issued by State of Franklin Junior subordinated debentures, variable rate Junior subordinated debentures, variable rate spread Fair Value Disclosures Details Narrative Impaired loans, original face value Impairment charge recognized Anticipated selling expenses of foreclosed real estate Securities available for sale fair value Balance, beginning Net income Other comprehensive income Paydowns Transfers in or out of Level 3 Balance, ending Impaired Loans Other real estate owned Financial assets: Cash and due from banks and interest-earning deposits with banks Securities available for sale Federal Home Loan Bank stock Loans receivable, net Accrued interest receivable Loans held-for-sale Financial liabilities: Deposits Borrowed funds Subordinated debentures Off-balance sheet assets (liabilities): Fair Value Off-balance sheet assets (liabilities) Core Deposit Intangible Cdi Details Narrative Amortization expense - CDI Amortization period Amortization method Core Deposit Intangible Cdi Details Core deposit intangible, beginning balance Less: amortization Core deposit intangible, ending balance Core Deposit Intangible Cdi Details 1 Future amortization expense for the year ending June 30, 2014 2015 2016 2017 2018 Thereafter This item represents the weighted average yield of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities. This item represents the weighted average yield of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities. This item represents the weighted average yield of debt securities which are expected to mature after ten years from the balance sheet date which are categorized neither as held-to-maturity nor trading securities. This item represents the weighted average yield of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities. Represents the weighted average yield on debt securities which are categorized as available for sale securities. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for borrowed funds. The portion of MRP assets earned during the period. The amount of cash paid during the period for interest on borrowed funds. The amount of cash paid during the period for interest on deposits. The amount of cash paid during the period for interest on subordinated debentures. Total Member Unallocated Common Stock on ESOP Member Unearned Compensation Member Amount of expense recognized during the period for the foreclosure on real estate assets, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession. The entire policy disclosure for bank deposits belonging to an acquired bank that can be counted on as a stable source of lending funds. These deposits have the following attributes: predictable costs and low sensitivity to interest rates. This intangible asset is usually amortized over its estimated useful life. The tabular disclosure for deposit liabilities. The tabular disclosure for interest on deposit liabilities. The tabular disclosure depicting the maturity and weighted average rate, along with amounts outstanding, for fixed rate Federal Home Loan Bank advances. The amount of additional borrowing capacity from the Federal Home Loan Bank under a Blanket Mortgage Collateral Agreement. The amount of FHLB advances that are putable and give the FHLB the option to require repayment on specific dates. The amount of FHLB advances that are convertible and have interest rates that may be reset on certain dates at the option of the FHLB. The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due after ten years of the Balance Sheet date. The percentage of taxable income used in calculating the bad debt deduction. The tabular disclosure for the reconciliation between GAAP capital and various categories of regulatory capital. The amount of GAAP capital relating to minimum capital requirements. The amount of deferred taxes relating to minimum capital requirements. The amount of unrealized gains relating to minimum capital requirements. The amount of disallowed intangibles relating to minimum capital requirements. The adjustment for allowance for losses relating to minimum capital requirements. Tabular disclosure of loans to related parties. Tabular disclosure of maturities of time deposits. The entire disclosure regarding core deposit intangible. The principal balance amount for any individual loans to be evaluated on a quarterly basis for potential loss. The threshold amount for expenditures for assets to a life greater than one year to generally be capitalized. Loan to purchase or refinance residential real estate for example, but not limited to, a home, in which the real estate itself serves as collateral for the loan. Portfolio segment of the company's total financing receivables related to real estate loan receivables. Portfolio segment of the company's total financing receivables related to land real estate loan receivables. Information pertaining to loans secured by deposit accounts. Information pertaining to loans secured by automobiles. Portfolio segment of the company's total financing receivables related to mobile home loan receivables. Portfolio segment of the company's total financing receivables related to non-real estate loan receivables. Weighted average interest rate of financing receivables outstanding. Portfolio segment of the company's total financing receivables related to construction and land development loan receivables. Portfolio segment of the company's total financing receivables related to non-residential real estate loan receivables. Portfolio segment of the company's total financing receivables related to home equity lines of credit and junior liens receivable. Portfolio segment of the company's total financing receivables related to owner-occupied loan receivables. Portfolio segment of the company's total financing receivables related to residential one-to four family real estate loan receivables. Portfolio segment of the company's total financing receivables related to commercial loan receivables. Risk rating of loans receivable. Loans in this category represent an acceptable risk; however require monitoring by lending staff due to potential weakness for any number of reasons. The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings and are in accrual status. The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings and are in non-accrual status. Reflects the amount of reclassifications of loans and leases receivable due from related parties. Information pertaining to range of interest on certificates of deposit tranche 1 - 0.00%-1.00%. Information pertaining to range of interest on certificates of deposit tranche 2 - 1.01%-2.00%. Information pertaining to range of interest on certificates of deposit tranche 3 - 2.01%-3.00%. Information pertaining to range of interest on certificates of deposit tranche 4 - 3.01%-4.00%. Information pertaining to range of interest on certificates of deposit tranche 5 - 4.01%-5.00%. Amount of federal home loan bank advances maturing in the fifth to tenth fiscal year following the latest fiscal year. Amount of federal home loan bank advances maturing after the tenth fiscal year following the latest fiscal year. The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from five to ten years of the Balance Sheet date. Amount of deferred tax liability attributable to Federal Home Loan Bank stock dividends. Amount of deferred tax liability attributable to allowance for available for sale securities. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences arising from nonaccrual interest on securities. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences arising from fair value adjustments from acquisition. Percentage of employees' gross pay for which the employer made a contribution to the 401(K) plan. The amount of plan compensation cost recognized during the period. The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan). Information pertaining to tranche 1 of exercise prices of options outstanding. Information pertaining to tranche 2 of exercise prices of options outstanding. Amount of funds available for loan or advance by the Bank to the Company after computation of statutory restrictions on capital surplus. Amount of original investment of impaired financing receivables. Statutory remaining life. The age employees must attain to participate in ESOP. Number of consecutive months employees must complete to be eligible to participate in ESOP. Number of hours of service employees must complete to be eligible to participate in ESOP. The contractual amount of off-balance sheet lending-related financial instruments (e.g., commitments), which represents the maximum possible credit risk should the counterparty draw upon the commitment or the entity be required to fulfill its obligation under the guarantee, and the counterparty subsequently fail to perform according to the terms of the contract. Fair value portion of impaired loans receivables. Per share closing price of common stock, as a component of determining the entity's public float. Loan to purchase or refinance residential real estate for example, but not limited to, a home, in which the real estate itself serves as collateral for the loan. Number of financing receivables that have been modified by troubled debt restructurings. CommercialLoan1Member ResidentialMortgage3Member Liabilities Unearned ESOP Shares Deferred Compensation Equity Treasury Stock, Value Stockholders' Equity Attributable to Parent Interest Expense, Deposits Interest Expense, Subordinated Notes and Debentures Other than Temporary Impairment Losses, Investments, Available-for-sale Securities Other Noninterest Expense Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax Comprehensive Income (Loss), Net of Tax, Attributable to Parent Accretion (Amortization) of Discounts and Premiums, Investments Gain (Loss) on Sale of Investments Amortization of Deferred Loan Origination Fees, Net Payments for Origination of Mortgage Loans Held-for-sale Stock or Unit Option Plan Expense Increase (Decrease) in Accrued Interest Receivable, Net Payments to Acquire Held-to-maturity Securities Payments to Acquire Available-for-sale Securities Payments to Acquire Property, Plant, and Equipment Repayments of Federal Home Loan Bank Borrowings Payments for Repurchase of Common Stock Cash and Cash Equivalents, at Carrying Value Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Cash and Cash Equivalents, Policy [Policy Text Block] Loans, Notes, Trade and Other Receivables, Excluding Allowance for Credit Losses [Text Block] Income Tax, Policy [Policy Text Block] InterestOnDepositsTableTextBlock Available-for-sale Securities Pledged as Collateral Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions Available-for-sale Securities, Amortized Cost Basis Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value Available-for-sale Securities, Debt Maturities, Amortized Cost Basis Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available-for-sale Securities, Debt Securities Available-for-sale Securities, Realized Losses, Excluding Other than Temporary Impairments Available-for-sale Securities, Gross Realized Gain (Loss), Excluding Other than Temporary Impairments Loans and Leases Receivable, Deferred Income Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Impaired Financing Receivable, with No Related Allowance, Recorded Investment Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method Impaired Financing Receivable, Recorded Investment Financing Receivable, Modifications, Number of Contracts Loans and Leases Receivable, Related Parties Operating Leases, Future Minimum Payments Due Other Commitment, Due in Next Twelve Months Other Commitment, Due in Second Year Other Commitment Cash, FDIC Insured Amount Deposits [Default Label] Time Deposit Maturities, Next Twelve Months Time Deposit Maturities, Year Two Time Deposit Maturities, Year Three Time Deposits Interest Expense Domestic Deposit Liabilities Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due within One Year of Balance Sheet Date Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, One to Two Years from Balance Sheet Date Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Two to Three Years from Balance Sheet Date Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Three to Four Years from Balance Sheet Date Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Four to Five Years from Balance Sheet Date FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFiveToTenYearsFromBalanceSheetDate FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterTenYearsFromBalanceSheetDate Deferred Federal Income Tax Expense (Benefit) Deferred State and Local Income Tax Expense (Benefit) DeferredTaxLiabilitiesOther1 Deferred Tax Liabilities, Property, Plant and Equipment Deferred Tax Liabilities, Financing Arrangements DeferredTaxLiabilitiesOther2 Deferred Tax Liabilities, Gross Deferred Tax Assets, Gross Deferred Tax Assets, Valuation Allowance Deferred Tax Assets, Net of Valuation Allowance Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price Share-based Compensation Arrangements by Share-based Payment Award, Options, Expirations in Period, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price Capital Required for Capital Adequacy Capital Required for Capital Adequacy to Risk Weighted Assets Tier One Risk Based Capital Required for Capital Adequacy Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier One Leverage Capital Required for Capital Adequacy Tier One Leverage Capital Required for Capital Adequacy to Average Assets Capital Required to be Well Capitalized Capital Required to be Well Capitalized to Risk Weighted Assets Tier One Risk Based Capital Required to be Well Capitalized Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier One Leverage Capital Required to be Well Capitalized Tier One Leverage Capital Required to be Well Capitalized to Average Assets Adjustments1Abstract Assets1Abstract LiabilitiesAndStockholdersEquity1Abstract Junior Subordinated Notes Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss) Investment in Federal Home Loan Bank Stock, Fair Value Disclosure Loans Receivable, Fair Value Disclosure Loans Held-for-sale, Fair Value Disclosure Deposits, Fair Value Disclosure Subordinated Debt Obligations, Fair Value Disclosure Finite-Lived Core Deposits, Gross Finite-Lived Intangible Assets, Accumulated Amortization Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months Finite-Lived Intangible Assets, Amortization Expense, Year Two Finite-Lived Intangible Assets, Amortization Expense, Year Three Finite-Lived Intangible Assets, Amortization Expense, Year Four Finite-Lived Intangible Assets, Amortization Expense, Year Five EX-101.PRE 12 jfbi-20130630_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 13 R86.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE DISCLOSURES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Fair Value Disclosures Details Narrative    
Impaired loans, original face value $ 14,437 $ 24,410
Impairment charge recognized 1,843 2,861
Anticipated selling expenses of foreclosed real estate $ 60 $ 481
XML 14 R76.htm IDEA: XBRL DOCUMENT v2.4.0.8
EMPLOYEE BENEFIT PLANS (Details) (USD $)
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Number of Shares    
Options outstanding, beginning 340,638 525,287
Options granted 20,000  
Options forfeited   (184,649)
Options outstanding, ending 360,638 340,638
Options exercisable, ending 340,638 340,638
Weighted Average Exercise Price    
Options outstanding, beginning $ 13.69 $ 12.69
Options granted $ 1.97   
Options exercised      
Options forfeited    $ 10.85
Options outstanding, ending $ 13.04 $ 13.69
Options exercisable, ending $ 13.69 $ 13.69
Weighted Average Remaining Contractual Life    
[us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber] 360,638 340,638
Stock Option Plan | Exercise Price Range 1.01 - 2.00
   
Number of Shares    
Options outstanding, ending 20,000  
Weighted Average Exercise Price    
Options outstanding, ending $ 1.97  
Options exercisable, ending     
Weighted Average Remaining Contractual Life    
Weighted Average Remaining Contractual Life of options outstanding 9 years 0 months 29 days  
[us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber] 20,000  
Stock Option Plan | Exercise Price Range 13.01-14.00
   
Number of Shares    
Options outstanding, ending 340,638  
Options exercisable, ending 340,638  
Weighted Average Exercise Price    
Options outstanding, ending $ 13.69  
Options exercisable, ending $ 13.69  
Weighted Average Remaining Contractual Life    
Weighted Average Remaining Contractual Life of options outstanding 0 years 6 months 21 days  
[us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber] 340,638  
XML 15 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
MINIMUM REGULATORY CAPITAL REQUIREMENTS (Details 1) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Reconciliation between GAAP capital and various categories of regulatory capital:    
GAAP Capital $ 57,053 $ 56,290
Adjustments:    
Deferred Taxes (10,652) (11,221)
Unrealized gains 111 (1,095)
Disallowed intangibles (1,151) (1,537)
Core, Tangible and Tier 1 Capital 45,361 42,437
Adjustments:    
Allowance for losses 4,412 4,378
Total Capital $ 49,773 $ 46,815
XML 16 R92.htm IDEA: XBRL DOCUMENT v2.4.0.8
CORE DEPOSIT INTANGIBLE (CDI) (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Core Deposit Intangible Cdi Details    
Core deposit intangible, beginning balance $ 1,537 $ 1,978
Less: amortization 386 441
Core deposit intangible, ending balance $ 1,151 $ 1,537
XML 17 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
FHLB ADVANCES
12 Months Ended
Jun. 30, 2013
Fhlb Advances  
FHLB ADVANCES
NOTE 9 - FHLB ADVANCES

At June 30, 2013, the Company’s fixed-rate FHLB advances had interest rates that ranged from 2.00% to 3.55% with a weighted average rate of 3.36% and 3.36% at June 30, 2013 and 2012, respectively. Pursuant to collateral agreements with the FHLB, advances are secured by a Blanket Mortgage Collateral Agreement.The Agreement pledges the entire one-to-four family residential mortgage portfolio and allows a maximum advance of $37,686 and an additional borrowing capacity of $213 at June 30, 2013.Outstanding advances were $37,626 and $37,863 at June 30, 2013 and 2012, respectively.Advances are payable at the maturity dates and prepayment penalties are required if paid before maturity.

A total of $10.0 million of FHLB advances are putable advances that give the FHLB the option to require repayment on specific dates.Under the terms of the putable advances, the company could be required to repay all of the principal and accrued interest before the maturity date.

A total of $10.0 million of FHLB advances are convertible advances with interest rates that may be reset on certain dates at the option of the FHLB in accordance with the terms of the note.The Company has the option of repaying the outstanding advance or converting the interest rate from a fixed rate to a floating LIBOR rate at the time the advance is called by the FHLB.
 
Maturities and weighted average rates of fixed rate FHLB advances at June 30, 2013 and 2012 are as follows:
 
   
Amount
   
Weighted Avg Rate
 
   
2013
   
2012
   
2013
   
2012
 
                         
Fixed Rate Advances Maturing:
                       
Less than 1 year
  $ 26,997     $       3.41 %     0.00 %
1 to 2 years
    5,048       26,993       3.22 %     3.41 %
2 to 3 years
          5,082       0.00 %     3.20 %
3 to 4 years
                0.00 %     0.00 %
4 to 5 years
    5,110             3.33 %     0.00 %
5 to 10 years
          5,134       0.00 %     3.31 %
After 10 years
    471       654       2.65 %     2.66 %
                                 
Total FHLB Advances
  $ 37,626     $ 37,863       3.36 %     3.36 %
XML 18 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 1) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Impaired and Non-Accrual Loans    
Impaired loans without a valuation allowance $ 4,210 $ 12,359
Impaired loans with a valuation allowance 10,227 12,051
Total impaired loans 14,437 24,410
Valuation allowance for impaired loans 1,843 2,861
Total non-accrual loans 12,796 18,562
Average investment in impaired loans 19,915 30,415
Interest income recognized on impaired loans $ 344 $ 825
XML 19 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Earnings (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Interest income:    
Interest on loans receivable $ 17,529 $ 20,271
Interest on investment securities 1,689 1,900
Other interest 283 261
Total interest income 19,501 22,432
Interest expense:    
Deposits 1,535 2,965
Securities sold under repurchase agreements 4 6
Advances from FHLB 1,266 1,272
Subordinated debentures 325 327
Total interest expense 3,130 4,570
Net interest income 16,371 17,862
Provision for loan losses 800 9,873
Net interest income after provision for loan losses 15,571 7,989
Noninterest income:    
Mortgage origination income 445 306
Service charges and fees 1,036 1,106
Gain (loss) on sale of fixed assets 1 (12)
Gain on sale of investment securities, net 12 50
Impairment of investment securities    (29)
Loss on sale of foreclosed real estate (266) (169)
BOLI increase in cash value 239 236
Other 646 692
Total noninterest income 2,113 2,180
Noninterest expense:    
Compensation and benefits 6,761 6,209
Occupancy expense 1,343 1,379
Equipment and data processing expense 2,453 2,376
DIF deposit insurance premiums 968 811
Advertising 383 359
Professional services 463 442
Valuation adjustment and expenses on other real estate owned 732 2,374
Amortization of intangible assets 386 441
Other 2,057 2,302
Total noninterest expense 15,546 16,693
Earnings (loss) before income taxes 2,138 (6,524)
Income taxes:    
Current 30   
Deferred 514 (2,524)
Total income taxes 544 (2,524)
Net earnings (loss) $ 1,594 $ (4,000)
Net earnings (loss) per share, basic $ 0.25 $ (0.64)
Net earnings (loss) per share, diluted $ 0.25 $ (0.64)
XML 20 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS
12 Months Ended
Jun. 30, 2013
Restrictions On Cash And Amounts Due From Banks  
RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS
NOTE 2 – RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS

The Bank is required to maintain average balances on hand with the Federal Reserve Bank. At June 30, 2013 and 2012, these reserve balances amounted to $4,597 and $4,408, respectively.
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RELATED PARTY TRANSACTIONS
12 Months Ended
Jun. 30, 2013
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS
NOTE 16 – RELATED PARTY TRANSACTIONS

In the ordinary course of business, the Company obtains products and services from directors or affiliates thereof.In the opinion of management, such transactions are made on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated persons.
XML 23 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details 1) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Maturities of Time Deposits  
2014 $ 110,024
2015 21,336
2016 11,530
2017 2,205
2018 3,014
Total $ 148,109
XML 24 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 4) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Credit risk profile by internally assigned grade:    
Gross Loans $ 327,303 $ 328,674
Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 293,677  
Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 14,636  
Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 18,990  
Residential Mortgage
   
Credit risk profile by internally assigned grade:    
Gross Loans 86,539  
Residential Mortgage | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 80,268  
Residential Mortgage | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 2,800  
Residential Mortgage | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 3,471  
Multi-family Real Estate Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 13,509  
Multi-family Real Estate Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 7,872  
Multi-family Real Estate Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 621  
Multi-family Real Estate Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 5,016  
Construction and Land Development Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 30,679  
Construction and Land Development Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 27,382  
Construction and Land Development Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 1,726  
Construction and Land Development Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 1,571  
Nonresidential Real Estate Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 50,128  
Nonresidential Real Estate Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 40,291  
Nonresidential Real Estate Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 5,802  
Nonresidential Real Estate Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 4,035  
Owner Occupied Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 68,327  
Owner Occupied Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 65,527  
Owner Occupied Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 1,643  
Owner Occupied Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 1,157  
Commercial Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 57,171  
Commercial Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 52,740  
Commercial Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 1,563  
Commercial Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 2,868  
HELOC and Junior Liens
   
Credit risk profile by internally assigned grade:    
Gross Loans 17,085  
HELOC and Junior Liens | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 16,150  
HELOC and Junior Liens | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 71  
HELOC and Junior Liens | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans 864  
Consumer Loans
   
Credit risk profile by internally assigned grade:    
Gross Loans 3,865  
Consumer Loans | Pass
   
Credit risk profile by internally assigned grade:    
Gross Loans 3,447  
Consumer Loans | Watch
   
Credit risk profile by internally assigned grade:    
Gross Loans 410  
Consumer Loans | Substandard
   
Credit risk profile by internally assigned grade:    
Gross Loans $ 8  
XML 25 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES
12 Months Ended
Jun. 30, 2013
Income Taxes  
INCOME TAXES
NOTE 10 – INCOME TAXES

In computing federal income tax, savings institutions treated as small banks for tax years beginning before 1996 were allowed a statutory bad debt deduction based on specified experience formulas or 8% of otherwise taxable income, subject to limitations based on aggregate loans and savings balances.For tax years after 1996, financial institutions meeting the definition of a small bank can use either the “experience method” or the “specific charge-off method” in computing their bad debt deduction.The Company qualifies as a small bank and is using the experience method.As of June 30, 2013, the end of the most recent tax year, the Company’s tax bad debt reserves were approximately $1,312. If these tax bad debt reserves are used for other than loan losses, the amount used will be subject to federal income taxes at the then prevailing corporate rates.
 
Income taxes are summarized as follows:
 
   
Year Ending June 30,
 
   
2013
   
2012
 
Current taxes:
           
 Federal income
  $ 30     $  
 State excise
           
      30        
Deferred taxes
               
 Federal income
    456       (2,229 )
 State excise
    58       (295 )
      514       (2,524 )
                 
    $ 544     $ (2,524 )
 
The provision for income taxes differs from the federal statutory corporate rate as follows:

 
Percentage of Earnings
 
Before Income Taxes
 
Years Ending June 30,
 
2013
 
2012
       
Tax at statutory rate
34.0%
 
(34.0%)
Increase (decrease) in taxes:
     
State income taxes, net of federal tax benefit
2.7
 
(4.3)
Increase in BOLI cash value
(3.8)
 
(1.4)
Additional ESOP compensation
(4.6)
 
(2.0)
Other, net
(2.9)
 
3.0
       
Effective tax rate
25.4%
 
(38.7%)
 
The provisions of GAAP related to income taxes require the Company to establish a deferred tax liability for the tax effect of the tax bad debt reserves over the base year amounts.There were no excess reserves at June 30, 2013 and 2012.The Company’s base year tax bad debt reserve is $1,312.The estimated deferred tax liability on the base year amount is approximately $502, which has not been recorded in the accompanying consolidated financial statements. The deferred tax valuation allowance is related to a capital loss carryforward that can only be used to offset capital gains.

The Company acquired a tax net operating loss (NOL) carryforward from its acquisition of State of Franklin. A deferred tax benefit was recorded for the portion deemed usable over its statutory remaining life (initially 20 years). The expiration date of the remaining NOL carryforward of $10,560 is June 30, 2029.

 A deferred tax benefit of $1,022 has been recorded for the 2011 NOL of $2,668. The NOL’s remaining life is eighteen years and management believes it will be utilized in full prior to expiration.

For 2012, a deferred tax benefit of $2,904 was recorded for the NOL of $7,585. The NOL’s remaining life is nineteen years and management believes it will be utilized in full prior to expiration.

The components of the net deferred tax asset are summarized as follows:
 
   
June 30.
 
   
2013
   
2012
 
Deferred tax liabilities:
           
FHLB stock dividends
  $ (959 )   $ (959 )
Depreciation
    (12 )     (27 )
FHLB advance restructuring penalty
    (72 )     (181 )
Allowance for "available-for-sale" securities
          (679 )
      (1,043 )     (1,846 )
                 
Deferred tax assets:
               
Fair value adjustment from acquisition,net
    708       533  
Subsequent writedowns on foreclosed property
    434       831  
Nonaccrual interest on securities
    58       48  
NOL carryforward
    7,596       8,023  
Deferred loan fees, net
    132       124  
Deferred compensation
    62       55  
Capital loss on Silverton Bank Stock
    141       141  
Allowance for losses on loans
    2,895       2,908  
Allowance for "available-for-sale" securities
    69        
Gross deferred tax asets
    12,095       12,663  
Valuation allowance
    (141 )     (141 )
Deferred tax asset
    11,954       12,522  
                 
Net deferred tax asset
  $ 10,911     $ 10,676  
 
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FAIR VALUE DISCLOSURES (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Securities available for sale fair value $ 96,024 $ 83,483
Carrying Amount
   
Securities available for sale fair value 96,024 83,483
Fair Value
   
Securities available for sale fair value 96,024 83,483
Fair Value measured on a Recurring Basis | Level 2
   
Securities available for sale fair value 95,082 82,738
Fair Value measured on a Recurring Basis | Level 3
   
Securities available for sale fair value 942 745
Fair Value measured on a Recurring Basis | Carrying Amount
   
Securities available for sale fair value 96,024 83,483
Fair Value measured on a Recurring Basis | Fair Value
   
Securities available for sale fair value $ 96,024 $ 83,483
XML 27 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Details) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Available For Sale Securities    
Amortized Cost $ 96,203 $ 81,709
Unrealized Gains 1,356 2,239
Unrealized losses on securities (1,535) (465)
Securities available for sale fair value 96,024 83,483
Weighted-average rate 1.83% 2.20%
Federal agency
   
Available For Sale Securities    
Amortized Cost 21,985 24,033
Unrealized Gains 88 263
Unrealized losses on securities (420)  
Securities available for sale fair value 21,653 24,296
Mortgage-backed
   
Available For Sale Securities    
Amortized Cost 65,607 52,822
Unrealized Gains 1,096 1,658
Unrealized losses on securities (835) (65)
Securities available for sale fair value 65,868 54,415
Municipal Securities
   
Available For Sale Securities    
Amortized Cost 8,004 4,245
Unrealized Gains 172 318
Unrealized losses on securities (171)  
Securities available for sale fair value 8,005 4,563
Other Securities
   
Available For Sale Securities    
Amortized Cost 607 609
Unrealized losses on securities (109) (400)
Securities available for sale fair value $ 498 $ 209
XML 28 R80.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Off-balance sheet liquidation account $ 29,500
Unused letters of credit
 
Unfunded commitments 320
Line of Credit
 
Unfunded commitments 27,663
Commitment to Fund Loans
 
Unfunded commitments $ 15,330
XML 29 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 5) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
With an allowance recorded:    
Recorded Investment $ 8,384  
Unpaid Principal Balance 10,227 12,051
Specific Allowance (1,843) (2,861)
Interest Income Recognized 212  
With no related allowance:    
Recorded Investment 4,210  
Unpaid Principal Balance 4,210 12,359
Interest Income Recognized 132  
Total Impaired Loans:    
Recorded Investment 12,594  
Unpaid Principal Balance 14,437 24,410
Interest Income 344 825
Residential Mortgage
   
With an allowance recorded:    
Recorded Investment 40  
Unpaid Principal Balance 40  
Interest Income Recognized 1  
With no related allowance:    
Recorded Investment 890  
Unpaid Principal Balance 890  
Interest Income Recognized 61  
Total Impaired Loans:    
Recorded Investment 930  
Unpaid Principal Balance 930  
Interest Income 62  
Multi-family Real Estate Loans
   
With an allowance recorded:    
Recorded Investment 4,500  
Unpaid Principal Balance 4,923  
Specific Allowance (423)  
Total Impaired Loans:    
Recorded Investment 4,500  
Unpaid Principal Balance 4,923  
Construction and Land Development Loans
   
With an allowance recorded:    
Recorded Investment 310  
Unpaid Principal Balance 510  
Specific Allowance (200)  
Interest Income Recognized 11  
With no related allowance:    
Recorded Investment 300  
Unpaid Principal Balance 300  
Interest Income Recognized 4  
Total Impaired Loans:    
Recorded Investment 610  
Unpaid Principal Balance 810  
Interest Income 15  
Nonresidential Real Estate Loans
   
With an allowance recorded:    
Recorded Investment 1,367  
Unpaid Principal Balance 1,834  
Specific Allowance (467)  
With no related allowance:    
Recorded Investment 1,744  
Unpaid Principal Balance 1,744  
Interest Income Recognized 61  
Total Impaired Loans:    
Recorded Investment 3,111  
Unpaid Principal Balance 3,578  
Interest Income 61  
Owner Occupied Loans
   
With no related allowance:    
Recorded Investment 653  
Unpaid Principal Balance 653  
Total Impaired Loans:    
Recorded Investment 653  
Unpaid Principal Balance 653  
Commercial Loans
   
With an allowance recorded:    
Recorded Investment 1,751  
Unpaid Principal Balance 2,504  
Specific Allowance (753)  
Interest Income Recognized 185  
Total Impaired Loans:    
Recorded Investment 1,751  
Unpaid Principal Balance 2,504  
Interest Income 185  
HELOC and Junior Liens
   
With an allowance recorded:    
Recorded Investment 416  
Unpaid Principal Balance 416  
Interest Income Recognized 15  
With no related allowance:    
Recorded Investment 193  
Unpaid Principal Balance 193  
Interest Income Recognized 6  
Total Impaired Loans:    
Recorded Investment 609  
Unpaid Principal Balance 609  
Interest Income 21  
Consumer Loans
   
With no related allowance:    
Recorded Investment 430  
Unpaid Principal Balance 430  
Total Impaired Loans:    
Recorded Investment 430  
Unpaid Principal Balance $ 430  
XML 30 R38.htm IDEA: XBRL DOCUMENT v2.4.0.8
EMPLOYEE BENEFIT PLANS (Tables)
12 Months Ended
Jun. 30, 2013
Employee Benefit Plans Tables  
Schedule of the Company's stock option plans
A summary of the status of the Company’s stock option plan is presented below:

   
2013
   
2012
 
         
Weighted-
         
Weighted-
 
         
average
         
average
 
   
Shares
   
exercise price
   
Shares
   
exercise price
 
                         
Outstanding at beginning of period
    340,638     $ 13.69       525,287     $ 12.69  
Granted during the 12 month period
    20,000     $ 1.97           $  
Options exercised
                           
Options forfeited
                  (184,649 )   $ 10.85  
Outstanding at end of year
    360,638     $ 13.04       340,638     $ 13.69  
Options exercisable at end of year
    340,638     $ 13.69       340,638     $ 13.69  
 
Information pertaining to options outstanding at June 30, 2013 is as follows:
 
   
Options Outstanding
   
Options Exercisable
 
         
Weighted
                   
         
Average
   
Weighted
             
         
Remaining
   
Average
         
Weighted
 
   
Number
   
Contractual
   
Exercise
   
Number
   
Average
 
Range of Exercise Prices
 
Outstanding
   
Life
   
Price
   
Exercisable
   
Exercise Price
 
1.01 - 2.00
    20,000       9.08     $ 1.97           $  
13.01 - 14.00
    340,638       0.58     $ 13.69       340,638     $ 13.69  
 
XML 31 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUBORDINATED DEBT
12 Months Ended
Jun. 30, 2013
Subordinated Debt  
SUBORDINATED DEBT
NOTE 19 – SUBORDINATED DEBT
 
As part of the State of Franklin acquisition, the Company acquired the 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 $10,310 of junior subordinated debentures to the Trust, a Delaware business trust wholly owned by State of Franklin. The Trust (a) sold $10,000 of capital securities through its underwriters to institutional investors and upstreamed the proceeds to State of Franklin and (b) issued $310 of common securities to State of Franklin.The sole assets of the Trust are the $10,310 of junior subordinated debentures issued by State of Franklin. The securities are redeemable at par after January 30, 2012, and have a final maturity January 30, 2037.The interest is payable quarterly at a floating rate equal to 3-month LIBOR plus 1.7%.
 
On January 11, 2012, the Company notified the Trustee for the Trust that, beginning with the January 20, 2012 interest payment period, the Company has elected to defer all payments of interest on the Company’s junior subordinated debentures for an indefinite period of time (but no longer than 20 consecutive quarterly periods).Under the terms of the indenture, the Company is prohibited from paying dividends on its common stock during the period that interest is deferred on the debentures.
XML 32 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
QUARTERLY FINANCIAL INFORMATION
12 Months Ended
Jun. 30, 2013
Quarterly Financial Information  
QUARTERLY FINANCIAL INFORMATION
NOTE 18 – QUARTERLY FINANCIAL INFORMATION
 
The following table summarizes selected information regarding the Company’s results of operations for the periods indicated (in thousands except per share data):
 
   
Three Months Ended
 
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2012
   
2012
   
2013
   
2013
 
                         
Interest income
  $ 4,969     $ 4,931     $ 4,781     $ 4,820  
Interest expense
    846       789       751       744  
Net interest income
    4,123       4,142       4,030       4,076  
                                 
Provision for loan losses
    300       300       200        
Net interest income after provision for loan losses
    3,823       3,842       3,830       4,076  
Noninterest income
    456       581       582       494  
Noninterest expense
    3,906       3,961       3,873       3,806  
Earnings before income taxes
    373       462       539       764  
Income taxes
    78       114       153       199  
Net earnings
  $ 295     $ 348     $ 386     $ 565  
                                 
Earnings per share, basic
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  
Earnings per share, diluted
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  

   
Three Months Ended
 
                         
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2011
   
2011
   
2012
   
2012
 
                         
Interest income
  $ 6,120     $ 5,775     $ 5,302     $ 5,235  
Interest expense
    1,355       1,203       1,073       939  
Net interest income
    4,765       4,572       4,229       4,296  
                                 
Provision for loan losses
    2,986       5,687       600       600  
Net interest income after provision for loan losses
    1,779       (1,115 )     3,629       3,696  
Noninterest income
    603       578       508       491  
Noninterest expense
    4,020       5,095       3,772       3,806  
Earnings before income taxes
    (1,638 )     (5,632 )     365       381  
Income taxes
    (680 )     (1,965 )     31       90  
Net earnings
  $ (958 )   $ (3,667 )   $ 334     $ 291  
                                 
Earnings per share, basic
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  
Earnings per share, diluted
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  
XML 33 R46.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER SHARE (Details)
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Earnings Per Common Share    
Weighted average number of common shares used in computing basic earnings per common share 6,270,523 6,243,347
Weighted average number of common shares and dilutive potential common shares used in computing earnings per common share assuming dilution 6,270,523 6,243,347
XML 34 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT, NET (Tables)
12 Months Ended
Jun. 30, 2013
Premises And Equipment Net Tables  
Schedule of premises and equipment
Premises and equipment, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Land
  $ 6,772     $ 6,772  
Office building
    22,117       21,982  
Furniture and equipment
    5,889       5,704  
      34,778       34,458  
Less:accumulated depreciation and amortization
    9,142       8,097  
    $ 25,636     $ 26,361  
 
Schedule of future minimum payments of non-cancelable lease agreements
Pursuant to the terms of non-cancelable lease agreements in effect at June 30, 2013, pertaining to real property, future minimum payments are as follows:
 
For the Year Ended
     
       
2014
  $ 9  
2015
     
         
    $ 9  
Schedule of future minimum payments for service contracts
The Company has also entered into a service contract for data processing services.Future minimum payments under this agreement are as follows:
 
For the Year Ended
     
       
2014
  $ 1,088  
2015
    682  
2016
    12  
         
    $ 1,782  
XML 35 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Tables)
12 Months Ended
Jun. 30, 2013
Condensed Financial Statements Of Parent Company Tables  
Schedule of Condensed Balance Sheet
 
Balance Sheet
 
June 30, 2013
 
       
Assets
     
Cash and due from banks
  $ 928  
Investment in common stock of Jefferson Federal Bank
    57,052  
Investment in common stock of State of Franklin Statutory Trust II
    1  
Loan receivable from ESOP
    3,082  
Other assets
    95  
Total assets
  $ 61,158  
         
         
Liabilities and Stockholders' Equity
       
Accrued expenses
  $ 361  
Other liabilities
    413  
Subordinated debentures
    7,359  
Stockholders' equity
    53,025  
Total liabilities and stockholders' equity
  $ 61,158  
 
Schedule of Condensed Income Statement
 
Year Ended
 
Statement of Income
 
June 30, 2013
 
       
       
Dividends from Jefferson Federal Bank
  $  
Interest income
    132  
Other income
     
Total income
    132  
         
Interest expense     325  
Other operating expenses
    150  
         
Income before income taxes and equity in undistributed
       
net income of Jefferson Federal Bank
    (343 )
         
Income tax
    (131 )
      (212 )
         
Equity in undistributed earnings (loss) of subsidiaries
    1,806  
         
Net Income
  $ 1,594  
Schedule of Condensed Cash Flow Statement
   
Year Ended
 
Statement of Cash Flows
 
June 30, 2013
 
       
Cash flows from operating activities:
     
Net income
  $ 1,594  
Adjustments to reconcile net income to net
       
cash provided by operating activities:
       
         
Equity in undistributed (earnings) loss of subsidiaries
    (1,806 )
Deferred tax expense
    (131 )
Amortization/accretion of intangibles
    112  
Increase in other assets
    10  
Increase in other liabilities
    199  
         
Net cash provided by operations
    (22 )
         
Cash flows from investing activities:
       
Return of principal on loan to ESOP
    447  
         
Net cash used for investing activities
    447  
         
Cash flows from financing activities:        
Purchase of treasury stock
    (156 )
         
Net cash provided by financing activities
    (156 )
         
Net increase in cash and cash equivalents
    269  
Cash and cash equivalents at beginning of year
    659  
         
Cash and cash equivalents at end of year
  $ 928  
XML 36 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Details 1) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Available For Sale Securities    
Less than 12 Months, Fair Value $ 38,431 $ 2,100
Less than 12 Months, Unrealized Losses (1,423) (9)
12 Months or Longer, Fair Value 941 776
12 Months or Longer, Unrealized Losses (112) (456)
Total, Fair Value 39,372 2,876
Total, Unrealized Losses (1,535) (465)
Federal agency
   
Available For Sale Securities    
Less than 12 Months, Fair Value 9,555  
Less than 12 Months, Unrealized Losses (420)  
Total, Fair Value 9,555  
Total, Unrealized Losses (420)  
Mortgage-backed
   
Available For Sale Securities    
Less than 12 Months, Fair Value 25,078 2,100
Less than 12 Months, Unrealized Losses (832) (9)
12 Months or Longer, Fair Value 443 569
12 Months or Longer, Unrealized Losses (3) (56)
Total, Fair Value 25,521 2,669
Total, Unrealized Losses (835) (65)
Municipal Securities
   
Available For Sale Securities    
Less than 12 Months, Fair Value 3,798  
Less than 12 Months, Unrealized Losses (171)  
Total, Fair Value 3,798  
Total, Unrealized Losses (171)  
Other Securities
   
Available For Sale Securities    
12 Months or Longer, Fair Value 498 207
12 Months or Longer, Unrealized Losses (109) (400)
Total, Fair Value 498 207
Total, Unrealized Losses $ (109) $ (400)
XML 37 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER SHARE (Tables)
12 Months Ended
Jun. 30, 2013
Earnings Per Share Tables  
Schedule of number of weighted-average shares of common stock used for earning per common share calculation
   
Year Ended
   
Year Ended
 
   
June 30, 2013
   
June 30, 2012
 
             
             
Weighted average number of common shares used in computing basic earnings per common share
    6,270,523       6,243,347  
                 
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
    6,270,523       6,243,347  
XML 38 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT, NET (Details 2) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Future minimum payments for service contract, for the year ended  
2014 $ 1,088
2015 682
2016 12
[OtherCommitment] $ 1,782
XML 39 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 12 Months Ended
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2013
Jun. 30, 2012
Current taxes:                    
Federal income                 $ 30  
[CurrentIncomeTaxExpenseBenefit]                 30   
Deferred taxes                    
Federal income                 456 (2,229)
State excise                 58 (295)
[DeferredIncomeTaxExpenseBenefit]                 514 (2,524)
Total income taxes $ 199 $ 153 $ 114 $ 78 $ 90 $ 31 $ (1,965) $ (680) $ 544 $ (2,524)
XML 40 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT, NET (Details 1) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Future Minimum Lease Payments, for the year ended  
2014 $ 9
[OperatingLeasesFutureMinimumPaymentsDue] $ 9
XML 41 R43.htm IDEA: XBRL DOCUMENT v2.4.0.8
CORE DEPOSIT INTANGIBLE (CDI) (Tables)
12 Months Ended
Jun. 30, 2013
Core Deposit Intangible Cdi Tables  
Schedule of core deposit intangible
CDI is composed of the following:
 
   
June 30,
 
   
2013
   
2012
 
             
Beginning balance of core deposit intangible
  $ 1,537     $ 1,978  
Less: amortization
    (386 )     (441 )
                 
Core deposit intangibles, net
  $ 1,151     $ 1,537  
 
Schedule of future amortization of core deposit intangible
Future amortization of CDI is as follows:
 
Year Ending June 30,
     
       
2014
  $ 330  
2015
    275  
2016
    219  
2017
    163  
2018
    108  
thereafter
    56  
 
XML 42 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
FHLB ADVANCES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Fhlb Advances Details Narrative    
FHLB fixed rate advances, interest rate, lower range 2.00%  
FHLB fixed rate advances, interest rate, upper range 3.55%  
Weighted average interest rate of FHLB Advances 3.36% 3.36%
Maximum advance $ 37,686  
Additional borrowing capacity 213  
Outstanding Advances from FHLB 37,626 37,863
FHLB advances putable 10,000  
FHLB advances convertible $ 10,000  
XML 43 R93.htm IDEA: XBRL DOCUMENT v2.4.0.8
CORE DEPOSIT INTANGIBLE (CDI) (Details 1) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Future amortization expense for the year ending June 30,  
2014 $ 330
2015 275
2016 219
2017 163
2018 108
Thereafter $ 56
XML 44 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
12 Months Ended
Jun. 30, 2013
Condensed Financial Statements Of Parent Company  
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
NOTE 17 – CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY

Financial information pertaining only to Jefferson Bancshares, Inc. is as follows:
 
Balance Sheet
 
June 30, 2013
 
       
Assets
     
Cash and due from banks
  $ 928  
Investment in common stock of Jefferson Federal Bank
    57,052  
Investment in common stock of State of Franklin Statutory Trust II
    1  
Loan receivable from ESOP
    3,082  
Other assets
    95  
Total assets
  $ 61,158  
         
         
Liabilities and Stockholders' Equity
       
Accrued expenses
  $ 361  
Other liabilities
    413  
Subordinated debentures
    7,359  
Stockholders' equity
    53,025  
Total liabilities and stockholders' equity
  $ 61,158  
 
   
Year Ended
 
Statement of Income
 
June 30, 2013
 
       
       
Dividends from Jefferson Federal Bank
  $  
Interest income
    132  
Other income
     
Total income
    132  
         
Interest expense     325  
Other operating expenses
    150  
         
Income before income taxes and equity in undistributed
       
net income of Jefferson Federal Bank
    (343 )
         
Income tax
    (131 )
      (212 )
         
Equity in undistributed earnings (loss) of subsidiaries
    1,806  
         
Net Income
  $ 1,594  

   
Year Ended
 
Statement of Cash Flows
 
June 30, 2013
 
       
Cash flows from operating activities:
     
Net income
  $ 1,594  
Adjustments to reconcile net income to net
       
cash provided by operating activities:
       
         
Equity in undistributed (earnings) loss of subsidiaries
    (1,806 )
Deferred tax expense
    (131 )
Amortization/accretion of intangibles
    112  
Increase in other assets
    10  
Increase in other liabilities
    199  
         
Net cash provided by operations
    (22 )
         
Cash flows from investing activities:
       
Return of principal on loan to ESOP
    447  
         
Net cash used for investing activities
    447  
         
Cash flows from financing activities:        
Purchase of treasury stock
    (156 )
         
Net cash provided by financing activities
    (156 )
         
Net increase in cash and cash equivalents
    269  
Cash and cash equivalents at beginning of year
    659  
         
Cash and cash equivalents at end of year
  $ 928  
XML 45 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Changes in Stockholders' Equity (USD $)
In Thousands
Common Stock
Additional Paid-In Capital
Unallocated Common Stock in ESOP
Unearned Compensation
Accumulated Other Comprehensive Income
Retained Earnings
Treasury Stock
Total
Balance, beginning at Jun. 30, 2011 $ 92 $ 78,895 $ (3,241) $ (1,019) $ 459 $ 12,067 $ (31,334) $ 55,919
Net earnings (loss)                (4,000)    (4,000)
Other comprehensive income             636       636
Shares committed to be released by the ESOP    (324) 432             108
Earned portion of grants          (27)          (27)
Purchase of common stock                   (7) (7)
Balance, ending at Jun. 30, 2012 92 78,571 (2,809) (1,046) 1,095 8,067 (31,341) 52,629
Net earnings (loss)                1,594    1,594
Other comprehensive income             (1,206)       (1,206)
Shares committed to be released by the ESOP    (274) 433             159
Stock options expensed    5                5
Purchase of common stock                   (156) (156)
Balance, ending at Jun. 30, 2013 $ 92 $ 78,302 $ (2,376) $ (1,046) $ (111) $ 9,661 $ (31,497) $ 53,025
XML 46 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Cash flows from operating activities:    
Net earnings (loss) $ 1,594 $ (4,000)
Adjustments to reconcile net earnings to net cash provided by (used for) operating activities:    
Allocated ESOP shares 158 109
Depreciation and amortization expense 1,797 1,854
Amortization of premiums (discounts), net on investment securities 648 572
Provision for loan losses 800 9,873
(Gain) loss on sale of fixed assets (1) 12
(Gain) on sale of investment securities and mortgage-backed securities, net (12) (21)
Amortization of deferred loan fees, net (160) (169)
Loss on sale of foreclosed real estate, net 266 169
Deferred tax expense (benefit) 514 (2,524)
Originations of mortgage loans held for sale (17,125) (13,759)
Proceeds from sale of mortgage loans 17,409 13,378
Increase in cash value of life insurance (239) (236)
Earned portion of MRP    (27)
Stock options expensed 5   
Decrease (increase) in:    
Accrued interest receivable 166 257
Other assets (2,665) 4,925
Increase (decrease) in other liabilities and accrued income taxes 3,913 (4,074)
Net cash provided by (used for) operating activities 7,068 6,339
Cash flows used for investing activities:    
Loan originations, net of principal collections (1,581) 45,910
Investment securities classified as available-for-sale:    
Purchase of securities (42,894) (58,320)
Proceeds from sale 83 3,619
Proceeds from maturities, calls and prepayments 27,680 46,479
Purchase of premises and equipment (319) (825)
Proceeds from sale of fixed assets    14
Proceeds from sale of (additions to) foreclosed real estate, net 2,205 3,845
Net cash provided by (used for) investing activities (14,826) 40,722
Cash flows from financing activities:    
Net increase (decrease) in deposits (24,235) (30,337)
Net increase (decrease) in repurchase agreements 153 (547)
Repayment of FHLB advances (183) (25)
Purchase of treasury stock (156) (7)
Net cash provided by (used for) financing activities (24,421) (30,916)
Net increase (decrease) in cash, cash equivalents and interest-earning deposits (32,179) 16,145
Cash, cash equivalents and interest-earning deposits at beginning of period 56,693 40,548
Cash, cash equivalents and interest-earning deposits at end of period 24,514 56,693
Cash paid during period for:    
Interest on deposits 1,550 3,067
Interest on borrowed funds 1,041 1,044
Interest on subordinated debentures 213 215
Income taxes 45   
Real estate acquired in settlement of loans $ 3,893 $ 2,936
XML 47 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
EARNINGS PER SHARE
12 Months Ended
Jun. 30, 2013
Earnings Per Share [Abstract]  
EARNINGS PER SHARE
NOTE 3 – EARNINGS PER SHARE

Earnings per common share and earnings per common share-assuming dilution have been computed on the basis of dividing net earnings by the weighted-average number of shares of common stock outstanding.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 solely to outstanding stock options and are determined using the treasury stock method.Calculations related to earnings per share are provided in the following table.
 
   
Year Ended
   
Year Ended
 
   
June 30, 2013
   
June 30, 2012
 
             
             
Weighted average number of common shares used in computing basic earnings per common share
    6,270,523       6,243,347  
                 
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
    6,270,523       6,243,347  
 
XML 48 R73.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details 1)
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Income Tax reconciliation    
Tax at statutory rate 34.00% (34.00%)
Increase (decrease) in taxes:    
State income taxes, net of federal tax benefit 2.70% (4.30%)
Increase in BOLI cash value (3.80%) (1.40%)
Additional ESOP compensation (4.60%) (2.00%)
Other, net (2.90%) 3.00%
Effective tax rate 25.40% (38.70%)
XML 49 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
12 Months Ended
Jun. 30, 2013
Nature Of Business And Summary Of Significant Accounting Policies  
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTE 1 – NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 
Jefferson Bancshares, Inc. (the Company), is the holding company for Jefferson Federal Bank (the “Bank”).The Company’s common stock is listed on the NASDAQ Global Market under the symbol JFBI.

The Company provides a variety of financial services to individuals and small businesses through its offices in Tennessee.Its primary deposit products are transaction accounts and term certificate accounts and its lending products are commercial and residential mortgages and, to a lesser extent, consumer loans.

Principles of Consolidation - The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly owned subsidiaries Jefferson Federal Bank and State of Franklin Bank Statutory Trust II.All significant intercompany balances and transactions have been eliminated in consolidation.
 
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.

Significant Group Concentrations of Credit Risk - The Company originates residential real estate loans, commercial real estate loans and, to a lesser extent, consumer loans primarily to customers located in Upper East Tennessee.The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.

Significant Accounting Policies - The following comprise the significant accounting policies, which the Company follows in preparing and presenting its consolidated financial statements:

 
a.
For purposes of reporting cash flows, cash and cash equivalents include cash and balances due from depository institutions, interest-bearing deposits in other depository institutions and fed funds sold with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $15,677 and $53,650 at June 30, 2013 and 2012, respectively.
 
 
b.
Investments in debt securities are classified as "held-to-maturity" or "available-for-sale" depending upon the intent of management with respect to the particular investments.Investments classified as "held-to-maturity" are carried at cost while those identified as "available-for-sale" are carried at fair value.All securities are adjusted for amortization of premiums and accretion of discounts over the term of the security using the interest method.Management has the positive intent and ability to carry those securities classified as "held-to-maturity" to maturity for long-term investment purposes and, accordingly, such securities are not adjusted for temporary declines in market value."Available-for-sale" securities are adjusted for changes in fair value through a direct entry to a separate component of stockholders' equity (i.e., other comprehensive income).Investments in equity securities are carried at the lower of cost or market.The cost of securities sold is determined by specific identification.
 
 
c.
Loans receivable, net, which management has the intent and ability to hold until maturity or pay-off, are generally carried at unpaid principal balances less loans in process, net deferred loan fees, unearned discount on loans and allowances for losses. Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized to interest income over the contractual life of the loan using the interest method.
 
 
d.
The Company originates mortgage loans conforming to guidelines for sale in the secondary mortgage market. Because commitment letters are only given to the borrower after an underwriter agrees to purchase the loan according to the stated terms, the Company’s maximum time between funding the loan and completing the sale to the underwriter is generally three weeks.The loans are carried at the lower of aggregate cost or fair market value as determined by the amount committed to by the underwriter. The loans are sold without recourse and the mortgage servicing rights are sold as part of the loan package.
 
 
e.
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 write-down to fair value is charged to the allowance for loan and lease losses.Any subsequent write-down 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. Loan pools 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, consumer loans, HELOC and junior liens.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.Management utilizes a loan grading system and assigns a loan grade of “Pass”, “Watch”, “Special Mention”, “Substandard”, “Doubtful” or “Loss” based on risk characteristics of loans.Lending staff reviews the loan grades of customers on a regular basis and makes changes as needed given that the creditworthiness of customers may change over time.
 
Descriptions of loan grades are as follows:
 
Pass - loans in this category represent an acceptable risk and do not require heightened levels of monitoring by lending staff.
 
Watch - loans in this category represent an acceptable risk; however, require monitoring by lending staff due to potential weakness for any number of reasons.
 
Special Mention - loans in this category have potential weaknesses that may result in deteriorating prospects for the asset or in the Bank’s credit position at some future date.
 
Substandard - loans in this category are inadequately protected by the sound worth and paying capacity of the borrower or the collateral pledged.Borrowers in this category have a well-defined weakness(es) that jeopardize the proper liquidation of the debt.
 
Doubtful - loans classified as doubtful have a clear and defined weakness making the ultimate repayment of the loan, or portions thereof, highly improbable.
 
Loss - loans classified as “loss” are those of such little value that their continuance as bank assets is not warranted, even though partial recovery may be affected in the future.Charge off is required in the month this grade is assigned.
 
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 which have an outstanding principal balance 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 2011-02in 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 $9.1 million and $10.8 million at June 30, 2013 and 2012, respectively.
 
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 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.Payments received on non-accrual loans are applied to the remaining principal balance of the loans.
 
The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. 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 is subject to periodic examination by regulatory agencies, which may require the Company to record increases in the allowances based on the regulator’s evaluation of available information.There can be no assurance that the Company’s regulators will not require further increases to the allowances.
 
Tabular information related to loan grades, composition of loan portfolio and activity in the allowance for loan losses is included in Note 6.
 
 
f.
Credit related financial instruments arising in the ordinary course of business consist primarily of commitments to extend credit.Such financial instruments are recorded when they are funded.
 
 
g.
Premises and equipment are carried at cost, less accumulated depreciation. Expenditures for assets with a life greater than one year and costing more than $1,000 are generally capitalized.Depreciation of premises and equipment is computed using the straight-line and accelerated methods based on the estimated useful lives of the related assets. Estimated lives for buildings, leasehold improvements, equipment and furniture are thirty-nine, thirty- nine, five and seven years, respectively.Estimated lives for building improvements are evaluated on a case-by-case basis and depreciated over the estimated remaining life of the improvement.
 
 
h.
Foreclosed real estate is initially recorded, and subsequently carried, at the lower of cost or fair value less estimated selling costs.Costs related to improvement of foreclosed real estate are capitalized.
 
 
i.
Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method.Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws.
 
 
j.
GAAP requires a public entity to measure the cost of employee services received in exchange for an award of equity instruments based on the grant-date fair value of the award (with limited exceptions). That cost will be recognized over the period during which an employee is required to provide service in exchange for the award - the requisite service period.
 
The Company utilizes the prospective application transition method. This method requires the Company to expense the unvested portion of options granted in fiscal 2013, which reduces net earnings by approximately $3, net of taxes for the fiscal year ending June 30, 2013 and by approximately $12 in the remaining requisite service period. GAAP provides for the use of alternative models to determine compensation cost related to stock option grants. The Company has determined the estimated fair value of stock options at grant date using the Black-Scholes option-pricing model based on market data as of June 30, 2012. The expected dividend yield of 0.0% and expected volatility of 65.52% were used to model the value. The risk free rate of return equaled 1.11%, which was based on the yield of a U.S. Treasury note with a term of ten years. The estimated time remaining before the expiration of the options equaled ten years.
 
Core Deposit Intangible – The core deposit intangible (CDI) is an asset arising from the acquisition of State of Franklin Bank. The CDI was initially measured at fair value and then amortized using an accelerated method over ten years. The core deposit intangible asset is assessed at least annually for impairment and any such impairment will be recognized in the period identified.
 
Segment Reporting – The Company’s operations are solely in the financial services industry and include providing to its customers traditional banking and other financial services.The Company operates primarily in Tennessee.Management makes operating decisions and assesses performance based on an ongoing review of the Company’s financial results.Therefore, the Company has a single operating segment for financial reporting purposes.
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QUARTERLY FINANCIAL INFORMATION (Tables)
12 Months Ended
Jun. 30, 2013
Quarterly Financial Information Tables  
Schedule of quarterly financial information
The following table summarizes selected information regarding the Company’s results of operations for the periods indicated (in thousands except per share data):
 
   
Three Months Ended
 
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2012
   
2012
   
2013
   
2013
 
                         
Interest income
  $ 4,969     $ 4,931     $ 4,781     $ 4,820  
Interest expense
    846       789       751       744  
Net interest income
    4,123       4,142       4,030       4,076  
                                 
Provision for loan losses
    300       300       200        
Net interest income after provision for loan losses
    3,823       3,842       3,830       4,076  
Noninterest income
    456       581       582       494  
Noninterest expense
    3,906       3,961       3,873       3,806  
Earnings before income taxes
    373       462       539       764  
Income taxes
    78       114       153       199  
Net earnings
  $ 295     $ 348     $ 386     $ 565  
                                 
Earnings per share, basic
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  
Earnings per share, diluted
  $ 0.05     $ 0.05     $ 0.06     $ 0.09  

   
Three Months Ended
 
                         
   
September 30,
   
December 31,
   
March 31,
   
June 30,
 
   
2011
   
2011
   
2012
   
2012
 
                         
Interest income
  $ 6,120     $ 5,775     $ 5,302     $ 5,235  
Interest expense
    1,355       1,203       1,073       939  
Net interest income
    4,765       4,572       4,229       4,296  
                                 
Provision for loan losses
    2,986       5,687       600       600  
Net interest income after provision for loan losses
    1,779       (1,115 )     3,629       3,696  
Noninterest income
    603       578       508       491  
Noninterest expense
    4,020       5,095       3,772       3,806  
Earnings before income taxes
    (1,638 )     (5,632 )     365       381  
Income taxes
    (680 )     (1,965 )     31       90  
Net earnings
  $ (958 )   $ (3,667 )   $ 334     $ 291  
                                 
Earnings per share, basic
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  
Earnings per share, diluted
  $ (0.15 )   $ (0.59 )   $ 0.05     $ 0.05  
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FAIR VALUE DISCLOSURES
12 Months Ended
Jun. 30, 2013
Fair Value Disclosures [Abstract]  
FAIR VALUE DISCLOSURES
NOTE 20 – FAIR VALUE DISCLOSURES

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability in the 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. Generally accepted accounting principles in the United States of America (“GAAP”) establishes a hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Three levels of input may be used to measure fair value as follows:

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.
 
Following is a description of valuation methodologies used for assets and liabilities 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 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 mortgage-backed securities issued by government-sponsored entities and other debt securities.

Impaired Loans and Other Real Estate Owned

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 in accordance with U.S. GAAP. The fair value of impaired loans is estimated 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 June 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 are tables that present information about certain assets and liabilities measured at fair value:
 
    June 30, 2013  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
95,082
   
$
942
   
$
96,024
 
 
$
96,024
 
 
    June 30, 2012  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
82,738
   
$
745
   
$
83,483
 
 
$
83,483
 
 
The following table below presents, for the year ending June 30, 2013, the changes in Level 3 assets that are measured at fair value on a recurring basis:
 
               
Other
         
Transfers
       
   
Balance at
         
Comprehensive
         
In or Out
   
Balance at
 
   
June 30, 2012
   
Net Income
   
Income
   
Paydowns
   
of Level 3
   
June 30, 2013
 
                                     
Securities available for sale
  $ 745     $     $ 345     $ (148 )   $     $ 942  
 
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 at June 30, 2013 and 2012 are included in the table below.
 
   
June 30, 2013
   
June 30, 2012
 
                     
Total Gains
                     
Total Gains
 
Description
 
Level 1
   
Level 2
   
Level 3
   
(Losses)
   
Level 1
   
Level 2
   
Level 3
   
(Losses)
 
                                                 
Impaired Loans
  $     $     $ 12,594     $ (927 )   $     $     $ 21,549     $ (1,509 )
Other real estate owned
                5,433       (60 )                 6,075       (481 )
 
Individual loans with a carrying amount of $14,437 were written down to their fair value of $12,594 resulting in an impairment charge of $1,843 of which $927 was charged to earnings for the period ended June 30, 2013. For the period ending June 30, 2012, individual loans with a carrying amount of $24,410 were written down to their fair value of $21,549 resulting in an impairment charge of $2,861 of which $1,509 was charged to earnings.Loans applicable to write downs of impaired loans are estimated using the present value of expected cash flows or the appraised value of the underlying collateral discounted as necessary due to management’s estimates of changes in economic conditions.

Other real estate owned is being carried at appraised value less anticipated selling expenses resulting in a charge to earnings of $60 and $481 for the years ended June 30, 2013 and 2012, respectively.

The carrying value and estimated fair value of the Company's financial instruments are as follows:
 
   
June 30, 2013
   
June 30, 2012
 
   
Carrying
   
Fair
   
Carrying
   
Fair
 
   
Amount
   
Value
   
Amount
   
Value
 
                         
Financial assets:
                       
Cash and due from banks and interest-earning deposits with banks
  $ 24,514     $ 24,514     $ 56,693     $ 56,693  
Available-for-sale securities
    96,024       96,024       83,483       83,483  
Federal Home Loan Bank stock
    4,735       4,735       4,735       4,735  
Bank owned life insurance
    7,100       7,100       6,861       6,861  
Loans receivable
    321,299       329,268       322,499       330,664  
Accrued interest receivable
    1,409       1,409       1,575       1,575  
Loans held-for-sale
    97       97       381       381  
                                 
Financial liabilities:
                               
Deposits
    (399,642 )     (391,442 )     (423,882 )     (424,523 )
Borrowed funds
    (38,177 )     (39,505 )     (38,261 )     (40,064 )
Subordinated debentures
    (7,358 )     (4,950 )     (7,245 )     (4,200 )
                                 
Off-balance sheet assets (liabilities):
                               
Commitments to extend credit
          15,330             8,452  
Unused letters of credit
          320             4,454  
Unused lines of credit
          27,663             31,409  
 
The following methods and assumptions were used by the Corporation 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 approximates fair value.

Investment securities – See the discussion presented on Page 38 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.
XML 52 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Tables)
12 Months Ended
Jun. 30, 2013
Investment Securities Tables  
Schedule of investment securities
Investment securities are summarized as follows:
 
   
June 30, 2013
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 21,985     $ 88     $ (420 )   $ 21,653  
Mortgage-backed securities
    65,607       1,096       (835 )     65,868  
Municipal securities
    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 %                        
 
   
June 30, 2012
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 24,033     $ 263     $     $ 24,296  
Mortgage-backed securities
    52,822       1,658       (65 )     54,415  
Municipal securities
    4,245       318             4,563  
Other securities
    609             (400 )     209  
Total securities available-for-sale
  $ 81,709     $ 2,239     $ (465 )   $ 83,483  
                                 
Weighted-average rate
    2.20 %                        
 
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
 
June 30, 2013
                                   
Federal agency securities
  $ 9,555     $ (420 )   $     $     $ 9,555     $ (420 )
Mortgage-backed securities
    25,078       (832 )     443       (3 )     25,521       (835 )
Municipal securities
    3,798       (171 )                 3,798       (171 )
Other securities
                498       (109 )     498       (109 )
    $ 38,431     $ (1,423 )   $ 941     $ (112 )   $ 39,372     $ (1,535 )
                                                 
   
Less than 12 months
   
12 months or more
   
Total
 
   
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
   
Value
   
Losses
   
Value
   
Losses
   
Value
   
Losses
 
June 30, 2012
                                               
Federal agency securities
  $     $     $     $     $     $  
Mortgage-backed securities
    2,100       (9 )     569       (56 )     2,669       (65 )
Municipal securities
                                   
Other securities
                207       (400 )     207       (400 )
    $ 2,100     $ (9 )   $ 776     $ (456 )   $ 2,876     $ (465 )
Schedule of maturities of debt securities
Maturities of debt securities at June 30, 2013 are summarized as follows:
 
               
Weighted
 
         
Fair
   
Average
 
   
Cost
   
Value
   
Yield
 
                   
Within 1 year
  $ 6,763     $ 6,808       1.26 %
Over 1 year through 5 years
    4,579       4,615       1.67 %
After 5 years through 10 years
    23,836       23,576       1.58 %
Over 10 years
    61,025       61,025       2.00 %
    $ 96,203     $ 96,024       1.83 %
 
Schedule of proceeds from sale of debt securities and gross realized gains and losses
Proceeds from sale of debt securities and gross realized gains and losses on these sales are summarized as follows:
 
   
Year ended June 30,
 
   
2013
   
2012
 
             
Proceeds from sales
  $ 83     $ 3,619  
                 
Gross realized gains
    8       156  
Gross realized losses
          (135 )
Net gains (losses)
  $ 8     $ 21  
 
XML 53 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2011
Income Taxes Details Narrative      
Bad debt deduction, percent of taxable income 8.00%    
Tax bad debt reserves $ 1,312    
Deferred tax liability on base year tax bad debt reserve 502    
Net operating loss (NOL) carryforward 10,560 7,585 2,668
Statutory remaining life (years) 20 years    
Expiration Date of NOL carryforward Jun. 30, 2029    
Deferred tax benefit   $ 2,904 $ 1,022
XML 54 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Tables)
12 Months Ended
Jun. 30, 2013
Income Taxes Tables  
Schedule of income tax summary
Income taxes are summarized as follows:
 
   
Year Ending June 30,
 
   
2013
   
2012
 
Current taxes:
           
 Federal income
  $ 30     $  
 State excise
           
      30        
Deferred taxes
               
 Federal income
    456       (2,229 )
 State excise
    58       (295 )
      514       (2,524 )
                 
    $ 544     $ (2,524 )
Schedule of effective income tax rate reconciliation
The provision for income taxes differs from the federal statutory corporate rate as follows:

 
Percentage of Earnings
 
Before Income Taxes
 
Years Ending June 30,
 
2013
 
2012
       
Tax at statutory rate
34.0%
 
(34.0%)
Increase (decrease) in taxes:
     
State income taxes, net of federal tax benefit
2.7
 
(4.3)
Increase in BOLI cash value
(3.8)
 
(1.4)
Additional ESOP compensation
(4.6)
 
(2.0)
Other, net
(2.9)
 
3.0
       
Effective tax rate
25.4%
 
(38.7%)
 
Schedule of components of net deferred tax assets
The components of the net deferred tax asset are summarized as follows:
 
   
June 30.
 
   
2013
   
2012
 
Deferred tax liabilities:
           
FHLB stock dividends
  $ (959 )   $ (959 )
Depreciation
    (12 )     (27 )
FHLB advance restructuring penalty
    (72 )     (181 )
Allowance for "available-for-sale" securities
          (679 )
      (1,043 )     (1,846 )
                 
Deferred tax assets:
               
Fair value adjustment from acquisition,net
    708       533  
Subsequent writedowns on foreclosed property
    434       831  
Nonaccrual interest on securities
    58       48  
NOL carryforward
    7,596       8,023  
Deferred loan fees, net
    132       124  
Deferred compensation
    62       55  
Capital loss on Silverton Bank Stock
    141       141  
Allowance for losses on loans
    2,895       2,908  
Allowance for "available-for-sale" securities
    69        
Gross deferred tax asets
    12,095       12,663  
Valuation allowance
    (141 )     (141 )
Deferred tax asset
    11,954       12,522  
                 
Net deferred tax asset
  $ 10,911     $ 10,676  
 
XML 55 R70.htm IDEA: XBRL DOCUMENT v2.4.0.8
FHLB ADVANCES (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Amount    
Less than 1 year $ 26,997  
1 to 2 years 5,048 26,993
2 to 3 years   5,082
4 to 5 years 5,110  
5 to 10 years   5,134
After 10 years 471 654
Total FHLB Advances $ 37,626 $ 37,863
Weighted Average Rate    
Less than 1 year 3.41% 0.00%
1 to 2 years 3.22% 3.41%
2 to 3 years 0.00% 3.20%
3 to 4 years 0.00% 0.00%
4 to 5 years 3.33% 0.00%
5 to 10 years 0.00% 3.31%
After 10 years 2.65% 2.66%
Total FHLB Advances 3.36% 3.36%
XML 56 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 3) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Loans Receivable Payment Age Analysis    
30-59 days past due $ 425  
60-89 days past due 497  
Nonaccrual 12,796 18,562
Total past due 13,718  
Total Current 313,585  
Total loans receivable 327,303 328,674
Residential Mortgage
   
Loans Receivable Payment Age Analysis    
30-59 days past due 256  
60-89 days past due 44  
Nonaccrual 1,918  
Total past due 2,218  
Total Current 84,321  
Total loans receivable 86,539  
Multi-family Real Estate Loans
   
Loans Receivable Payment Age Analysis    
Nonaccrual 4,927  
Total past due 4,927  
Total Current 8,582  
Total loans receivable 13,509  
Construction and Land Development Loans
   
Loans Receivable Payment Age Analysis    
Nonaccrual 1,011  
Total past due 1,011  
Total Current 29,668  
Total loans receivable 30,679  
Nonresidential Real Estate Loans
   
Loans Receivable Payment Age Analysis    
30-59 days past due 58  
60-89 days past due 103  
Nonaccrual 3,120  
Total past due 3,281  
Total Current 46,847  
Total loans receivable 50,128  
Owner Occupied Loans
   
Loans Receivable Payment Age Analysis    
60-89 days past due 123  
Nonaccrual 868  
Total past due 991  
Total Current 67,336  
Total loans receivable 68,327  
Commercial Loans
   
Loans Receivable Payment Age Analysis    
30-59 days past due 101  
60-89 days past due 227  
Nonaccrual 448  
Total past due 776  
Total Current 56,395  
Total loans receivable 57,171  
HELOC and Junior Liens
   
Loans Receivable Payment Age Analysis    
Nonaccrual 65  
Total past due 65  
Total Current 17,020  
Total loans receivable 17,085  
Consumer Loans
   
Loans Receivable Payment Age Analysis    
30-59 days past due 10  
Nonaccrual 439  
Total past due 449  
Total Current 3,416  
Total loans receivable $ 3,865  
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Process Flow-Through: 00000002 - Statement - Consolidated Balance Sheets Process Flow-Through: Removing column 'Jun. 30, 2011' Process Flow-Through: 00000003 - Statement - Consolidated Balance Sheets (Parenthetical) Process Flow-Through: 00000004 - Statement - Consolidated Statements of Earnings Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2011' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2011' Process Flow-Through: 00000005 - Statement - Consolidated Statements of Comprehensive Income Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2013' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2013' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Jun. 30, 2012' Process Flow-Through: Removing column '3 Months Ended Mar. 31, 2012' Process Flow-Through: Removing column '3 Months Ended Dec. 31, 2011' Process Flow-Through: Removing column '3 Months Ended Sep. 30, 2011' Process Flow-Through: 00000007 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) Process Flow-Through: 00000008 - Statement - Consolidated Statements of Cash Flows jfbi-20130630.xml jfbi-20130630.xsd jfbi-20130630_cal.xml jfbi-20130630_def.xml jfbi-20130630_lab.xml jfbi-20130630_pre.xml true true XML 59 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Details 2) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Available For Sale Debt securities, Amortized Cost    
Within 1 year $ 6,763  
Over 1 year through 5 years 4,579  
After 5 years through 10 years 23,836  
Over 10 years 61,025  
Total 96,203  
Available For Sale Debt securities, Fair Value    
Within 1 year 6,808  
Over 1 year through 5 years 4,615  
After 5 years through 10 years 23,576  
Over 10 years 61,025  
Total $ 96,024  
Available For Sale Debt securities, Weighted Average Yield    
Within 1 year (as a percent) 1.26%  
Over 1 year through 5 years (as a percent) 1.67%  
After 5 years through 10 years (as a percent) 1.58%  
Over 10 years (as a percent) 2.00%  
Weighted-average yield (as a percent) 1.83% 2.20%
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RESTRICTIONS ON CASH AND AMOUNTS DUE FROM BANKS (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Restrictions On Cash And Amounts Due From Banks Details Narrative    
Reserves held with Federal Reserve Bank $ 4,597 $ 4,408
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Consolidated Balance Sheets (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Statement of Financial Position [Abstract]    
Allowance for loan losses $ 5,660 $ 5,852
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 6,601,091 6,631,989
Treasury stock, shares 2,581,280 2,550,383
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LOANS RECEIVABLE, NET
12 Months Ended
Jun. 30, 2013
Loans Receivable, Net [Abstract]  
LOANS RECEIVABLE, NET
NOTE 6 – LOANS RECEIVABLE, NET
 
Loans receivable, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Real estate loans:
           
Residential one-to four-family
  $ 87,233     $ 97,182  
Multi-family
    13,509       11,564  
Construction
    6,692       548  
Commercial
    120,205       127,185  
Land
    22,296       27,487  
Home equity line of credit
    16,259       18,395  
                 
Total real estate loans
    266,194       282,361  
                 
Commercial business loans
    57,288       42,107  
                 
Consumer Loans:
               
Loans secured by deposit accounts
    340       381  
Other consumer loans
    2,971       2,989  
Loans secured by automobiles
    510       833  
Mobile home loans
          3  
                 
Total non-real estate loans
    3,821       4,206  
                 
Total gross loans
    327,303       328,674  
                 
Less:
               
Deferred loan fees, net
    (344 )     (323 )
Allowance for losses
    (5,660 )     (5,852 )
Loans receivable, net
  $ 321,299     $ 322,499  
                 
Weighted average rate
    5.30 %     5.82 %
 
The following is a summary of information pertaining to impaired and non-accrual loans:
 
   
June 30,
 
   
2013
   
2012
 
             
Impaired loans without a valuation allowance
  $ 4,210     $ 12,359  
Impaired loans with a valution allowance
    10,227       12,051  
Total impaired loans
  $ 14,437     $ 24,410  
                 
Valuation allowance for impaired loans
  $ 1,843     $ 2,861  
                 
Total non-accrual loans
  $ 12,796     $ 18,562  
                 
Average investment in impaired loans
  $ 19,915     $ 30,415  
Interest income recognized on impaired loans
  $ 344     $ 825  
 
No additional funds are committed to be advanced in connection with impaired loans.

Commercial real estate loans are secured principally by office buildings, shopping centers, churches and other rental real estate.Construction loans are secured by commercial real estate and single-family dwellings.

The following is a table summarizing the activity in the allowance for loan losses for the year ending June 30, 2013:
 
   
Resid. Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-resid real estate
   
Owner occupied
   
Comm'l
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
                                                       
Allowance for Credit Losses:
                                                     
Balance at June 30, 2012
  $ 699     $ 596     $ 777     $ 1,047     $ 347     $ 2,130     $ 234     $ 22     $ 5,852  
Charge Offs
    (648 )           (138 )     (31 )     (23 )     (442 )     (109 )     (40 )     (1,431 )
Recoveries
                23             13       386       2       15       439  
Provision
    614       (121 )     (171 )     (35 )     10       407       41       55       800  
Balance at June 30, 2013
  $ 665     $ 475     $ 491     $ 981     $ 347     $ 2,481     $ 168     $ 52     $ 5,660  
   
`
                                                                 
Ending balance, Individually Evaluated
  $     $ 423     $ 200     $ 467     $     $ 753     $     $     $ 1,843  
Ending balance, Collectively Evaluated
  $ 665     $ 52     $ 291     $ 514     $ 347     $ 1,728     $ 168     $ 52     $ 3,817  
                                                                         
Loans:
                                                                       
                                                                         
Balance at June 30, 2013
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
                                                                         
Ending balance, Individually Evaluated
  $ 40     $ 4,923     $ 510     $ 1,834     $     $ 2,504     $ 416     $     $ 10,227  
Ending balance, Collectively Evaluated
  $ 86,499     $ 8,586     $ 30,169     $ 48,294     $ 68,327     $ 54,667     $ 16,669     $ 3,865     $ 317,076  
 
The following table is an aging analysis of the loan portfolio:
 
   
30-59 days past due
   
60-89 days past due
   
90 or more days past due and still accruing
   
Nonaccrual
   
Total past due
   
Total Current
   
Total loans receivable
 
                                           
                                           
Residential Mortgage
  $ 256     $ 44     $     $ 1,918     $ 2,218     $ 84,321     $ 86,539  
Multi-family
                      4,927       4,927       8,582       13,509  
Construction/land development
                          1,011       1,011       29,668       30,679  
Non-residential real estate
    58       103             3,120       3,281       46,847       50,128  
Owner occupied
            123             868       991       67,336       68,327  
Commercial
    101       227             448       776       56,395       57,171  
Heloc and junior lien
                          65       65       17,020       17,085  
Consumer
    10                   439       449       3,416       3,865  
                                                         
Total
  $ 425     $ 497     $     $ 12,796     $ 13,718     $ 313,585     $ 327,303  
 
The following table summarizes the credit risk profile by internally assigned grade at June 30, 2013:

   
Resid Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
Grade:
                                                     
Pass
  $ 80,268     $ 7,872     $ 27,382     $ 40,291     $ 65,527     $ 52,740     $ 16,150     $ 3,447     $ 293,677  
Watch
    2,800       621       1,726       5,802       1,643       1,563       71       410       14,636  
Special mention
                                                     
Substandard
    3,471       5,016       1,571       4,035       1,157       2,868       864       8       18,990  
Doubtful
                                                       
Loss
                                                     
                                                                         
Total:
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
 
The following table summarizes the composition of impaired loans, the associated specific reserves and interest income recognized on impaired loans as of June 30, 2013:
 
   
Recorded investment
   
Unpaid principal balance
   
Specific allowance
   
Interest income recognized
 
                         
With an allowance recorded:
                       
Residential Mortgage
  $ 40     $ 40     $     $ 1  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    310       510       (200 )     11  
Non-residential real estate
    1,367       1,834       (467 )      
Owner occupied
                       
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    416       416             15  
Consumer
                       
Total
  $ 8,384     $ 10,227     $ (1,843 )   $ 212  
                                 
With no related allowance:
                               
Residential Mortgage
  $ 890     $ 890     $     $ 61  
Multi-family
                       
Construction and land development
    300       300             4  
Non-residential real estate
    1,744       1,744             61  
Owner occupied
    653       653              
Commercial
                       
Heloc and junior lien
    193       193               6  
Consumer
    430       430              
Total
  $ 4,210     $ 4,210     $     $ 132  
                                 
Total:
                               
Residential Mortgage
  $ 930     $ 930     $     $ 62  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    610       810       (200 )     15  
Non-residential real estate
    3,111       3,578       (467 )     61  
Owner occupied
    653       653              
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    609       609             21  
Consumer
    430       430              
Total
  $ 12,594     $ 14,437     $ (1,843 )   $ 344  

The following table presents the Bank’s loans classified as TDRs by loan type and accrual status as of June 30, 2013:
 
   
June 30, 2013
 
   
Accrual Status
   
Non-Accrual Status
   
Number of Loans
   
Total TDR's
 
                         
Residential Mortgage
  $ 664     $       2     $ 664  
Multi-family
    621       4,923       2       5,544  
Construction and land development
    146             1       146  
Non-residential real estate
    122       2,010       3       2,132  
Owner occupied
          379       2       379  
Commercial
          237       2       237  
HELOC and Junior Lien
                       
Total
  $ 1,553     $ 7,549       12     $ 9,102  
 
The following tables include the recorded investment and number of modifications for modified loans.The Company reports the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured.During the years ended June 30, 2013 and 2012, there were no defaults of loans modified within the respective years.
 
   
For the year ended June 30, 2013
   
For the year ended June 30, 2012
 
         
Pre-Modification
   
Post-Modification
         
Pre-Modification
   
Post-Modification
 
         
Outstanding
   
Outstanding
         
Outstanding
   
Outstanding
 
   
Number
   
Recorded
   
Recorded
   
Number
   
Recorded
   
Recorded
 
   
of loans
   
Investment
   
Investment
   
of loans
   
Investment
   
Investment
 
Multi-family
        $     $       2     $ 7,775     $ 5,284  
Non-residential real estate
    1       191       191       1       3,025       2,000  
Total
    1     $ 191     $ 191       3     $ 10,800     $ 7,284  
 
Following is a summary of loans to directors, executive officers and associates of such persons:
 
Balance at June 30, 2012
  $ 839  
         
Additions
    25  
Reclassifications
     
Repayments
    (2 )
         
Balance at June 30, 2013
  $ 862  
 
These loans were made on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated persons.
 
XML 63 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Comprehensive Income (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Statement of Comprehensive Income [Abstract]    
Net earnings (loss) $ 1,594 $ (4,000)
Other comprehensive income:    
Unrealized holding gain (loss) (1,944) 1,310
Reclassification for realized gains included in net income, net of taxes (6) (172)
Income tax benefit (expense) 744 (502)
Comprehensive income (loss) $ 388 $ (3,364)
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LOANS RECEIVABLE, NET (Details 6) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Loans
Jun. 30, 2012
Loans classified as TDRs:    
Accrual Status $ 1,553  
Non-accrual status 7,549  
Number of Loans 12  
Total TDRs 9,102 10,800
Residential Mortgage
   
Loans classified as TDRs:    
Accrual Status 664  
Number of Loans 2  
Total TDRs 664  
Multi-family Real Estate Loans
   
Loans classified as TDRs:    
Accrual Status 621  
Non-accrual status 4,923  
Number of Loans 2  
Total TDRs 5,544  
Construction and Land Development Loans
   
Loans classified as TDRs:    
Accrual Status 146  
Number of Loans 1  
Total TDRs 146  
Nonresidential Real Estate Loans
   
Loans classified as TDRs:    
Accrual Status 122  
Non-accrual status 2,010  
Number of Loans 3  
Total TDRs 2,132  
Owner Occupied Loans
   
Loans classified as TDRs:    
Non-accrual status 379  
Number of Loans 2  
Total TDRs 379  
Commercial Loans
   
Loans classified as TDRs:    
Non-accrual status 237  
Number of Loans 2  
Total TDRs $ 237  
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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Assets    
Cash and cash equivalents $ 8,837 $ 3,043
Interest-earning deposits 15,677 53,650
Investment securities classified as available for sale, net 96,024 83,483
Federal Home Loan Bank stock 4,735 4,735
Bank owned life insurance 7,100 6,861
Loans receivable, net of allowance for loan losses of $5,660 and $5,852 321,299 322,499
Loans held-for-sale 97 381
Premises and equipment, net 25,636 26,361
Foreclosed real estate, net 5,433 6,075
Accrued interest receivable:    
Investments 349 383
Loans receivable 1,060 1,192
Deferred tax asset 10,911 10,676
Core deposit intangible 1,151 1,537
Other assets 4,719 2,054
Total Assets 503,028 522,930
Deposits    
Noninterest-bearing 54,765 52,436
Interest-bearing 344,877 371,446
Repurchase agreements 551 398
Federal Home Loan Bank advances 37,626 37,863
Subordinated debentures 7,358 7,245
Other liabilities 4,826 913
Accrued income taxes      
Total liabilities 450,003 470,301
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 6,601,091 and 6,631,989 shares outstanding at June 30, 2013 and 2012, respectively 92 92
Additional paid-in capital 78,302 78,571
Unearned ESOP shares (2,376) (2,809)
Unearned compensation (1,046) (1,046)
Accumulated other comprehensive income (111) 1,095
Retained earnings 9,661 8,067
Treasury stock, at cost (2,581,280 and 2,550,383 shares) (31,497) (31,341)
Total stockholders' equity 53,025 52,629
Total liabilities and stockholders' equity $ 503,028 $ 522,930
XML 66 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES (Details 3) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Available For Sale Securities    
Proceeds from sales $ 83 $ 3,619
Gross realized gains 8 156
Gross realized losses   (135)
Net gains (losses) $ 8 $ 21
XML 67 R79.htm IDEA: XBRL DOCUMENT v2.4.0.8
RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Restrictions On Dividends Loans And Advances Details Narrative  
Retained earnings available for payment of dividends $ 0
Company's equity in net assets of the bank restricted 56,189
Funds available for loans or advances by teh Bank ot the Company $ 5,705
XML 68 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
EMPLOYEE BENEFIT PLANS (Details Narrative) (USD $)
12 Months Ended 12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2002
H
Jul. 01, 2003
Jun. 30, 2006
Restricted Stock Units
Jun. 30, 2013
Restricted Stock Units
Jun. 30, 2013
Stock Option Plan
401(K) Plan              
Plan opening contribution made on behalf of employees, based upon total plan compensation of all participants     10.00%        
Maximum contribution by employee, based on overall compensation 50.00%            
Employee Stock Ownership Plan              
Age eligible to participate in ESOP     20 years 5 months        
Completion of time to be eligible to participate in ESOP     6 months        
Completion of hours to be eligible to participate in ESOP     500        
Number of shares in ESOP plan       670,089      
Number of shares committed and released 670,089 43,207          
Allocated ESOP compensation expense $ 158,000 $ 109,000          
Unearned shares 259,239            
Fair value of shares in ESOP 1,465,000            
Compensation expense under SERP 1,000 (2,000)          
Stock Compensation Plans              
Maximum number of shares authorized           279,500 698,750
Restricted stock grants awarded         45,000    
Fair value of restricted stock grants awarded         597,000    
Co\mpensation expense for grants vesting $ 0 $ (27,000)          
XML 69 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
CORE DEPOSIT INTANGIBLE (CDI)
12 Months Ended
Jun. 30, 2013
Core Deposit Intangible Cdi  
CORE DEPOSIT INTANGIBLE (CDI)
NOTE 21 – CORE DEPOSIT INTANGIBLE (CDI)

CDI is composed of the following:
 
   
June 30,
 
   
2013
   
2012
 
             
Beginning balance of core deposit intangible
  $ 1,537     $ 1,978  
Less: amortization
    (386 )     (441 )
                 
Core deposit intangibles, net
  $ 1,151     $ 1,537  
 
CDI is amortized using an accelerated method over 10 years.

Future amortization of CDI is as follows:
 
Year Ending June 30,
     
       
2014
  $ 330  
2015
    275  
2016
    219  
2017
    163  
2018
    108  
thereafter
    56  
 
Amortization expense related to CDI is $386 and $441 for the years ending June 30, 2013 and 2012, respectively.
 
XML 70 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES
12 Months Ended
Jun. 30, 2013
Commitments And Contingencies  
COMMITMENTS AND CONTINGENCIES
NOTE 15 – COMMITMENTS AND CONTINGENCIES

Commitments to originate mortgage loans are legally binding agreements to lend to the Company's customers and generally expire in ninety days or less.There were no commitments at June 30, 2013 to originate adjustable-rate mortgage loans or to originate fixed-rate mortgage loans with a term of twenty years or less. The Company has $320 in unfunded letters of credit and $27,663 in unfunded lines of credit at June 30, 2013. The Company also has $15,330 in commitments to fund residential construction, commercial real estate construction and land development loans at June 30, 2013.

The Company has entered into employment agreements with its President and CEO Anderson L. Smith and two other officers. Agreement stipulations are terms, duties, compensation and performance bonuses and provide remedies for all parties upon certain events occurring.Mr. Smith’s agreement provides for deferred compensation upon attaining the age of 65.

Upon completion of the Bank’s conversion from mutual to stock form, a “liquidation account” was established in an amount equal to the total equity of the Bank as of the latest practicable date prior to the conversion.The liquidation account was established to provide limited priority claim to the assets of the Bank to “eligible account holders”, as defined in the Plan of Conversion, who continue to maintain deposits in the Bank after the conversion. In the unlikely event of a complete liquidation of the Bank, and only in such event, each eligible account holder and supplemental eligible account holder would receive a liquidation distribution, prior to any payment to the holder of the Bank’s common stock. This distribution would be based upon each eligible account holder’s and supplemental eligible account holder’s proportionate share of the then total remaining qualifying deposits.At the time of the conversion, the liquidation account, which is an off-balance sheet memorandum account, amounted to $29.5 million.
XML 71 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Nature Of Business And Summary Of Significant Accounting Policies Details Narrative    
Interest bearing deposits in other depository institutions $ 15,677 $ 53,650
Principal balance for loans evaluated every quarter 250  
Troubled debt restructurings 9,102 10,800
Threshold cost for assets to be capitalized 1  
Portion of unvested portion of options expensed in period 3  
Amount of remaining unrecognized service cost due to unvested options $ (12)  
Expected dividend yield of options 0.00%  
Expected volatility of options 65.52%  
Risk free rate of return of options 1.11%  
Amortization period of core deposit intangible 10 years  
XML 72 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
MINIMUM REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Actual    
Total Risk-Based Capital (To Risk Weighted Assets) $ 49,773 $ 46,815
Total Risk-Based Capital Ratio (To Risk Weighted Assets) 14.18% 13.42%
Tier 1 Capital (To Risk Weighted Assets) 45,361 42,437
Tier 1 Capital Ratio (To Risk Weighted Assets) 12.93% 12.17%
Tier 1 Capital (To Average Assets) 45,361 42,437
Tier 1 Capital Ratio (To Average Assets) 9.21% 8.23%
Minimum Required for Capital Adequacy Purposes    
Total Risk-Based Capital (To Risk Weighted Assets) 28,075 27,900
Total Risk-Based Capital Ratio (To Risk Weighted Assets) 8.00% 8.00%
Tier 1 Capital (To Risk Weighted Assets) 14,037 13,950
Tier 1 Capital Ratio (To Risk Weighted Assets) 4.00% 4.00%
Tier 1 Capital (To Average Assets) 19,695 20,634
Tier 1 Capital Ratio (To Average Assets) 4.00% 4.00%
Minimum to be Well Capitalized Under Prompt Corrective Action Provisions    
Total Risk-Based Capital (To Risk Weighted Assets) 35,093 34,875
Total Risk-Based Capital Ratio (To Risk Weighted Assets) 10.00% 10.00%
Tier 1 Capital (To Risk Weighted Assets) 21,056 20,925
Tier 1 Capital Ratio (To Risk Weighted Assets) 6.00% 6.00%
Tier 1 Capital (To Average Assets) 24,619 25,792
Tier 1 Capital Ratio (To Average Assets) 5.00% 5.00%
Consolidated
   
Actual    
Total Risk-Based Capital (To Risk Weighted Assets) 53,507 50,937
Total Risk-Based Capital Ratio (To Risk Weighted Assets) 15.25% 14.63%
Tier 1 Capital (To Risk Weighted Assets) 49,104 46,566
Tier 1 Capital Ratio (To Risk Weighted Assets) 13.99% 13.37%
Tier 1 Capital (To Average Assets) 49,104 46,566
Tier 1 Capital Ratio (To Average Assets) 9.97% 9.03%
Minimum Required for Capital Adequacy Purposes    
Total Risk-Based Capital (To Risk Weighted Assets) 28,078 27,857
Total Risk-Based Capital Ratio (To Risk Weighted Assets) 8.00% 8.00%
Tier 1 Capital (To Risk Weighted Assets) 14,039 13,929
Tier 1 Capital Ratio (To Risk Weighted Assets) 4.00% 4.00%
Tier 1 Capital (To Average Assets) $ 19,697 $ 20,637
Tier 1 Capital Ratio (To Average Assets) 4.00% 4.00%
XML 73 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 2) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 12 Months Ended
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2013
Jun. 30, 2012
Allowance for loan losses:                  
Beginning Balance     $ 5,852         $ 5,852  
Charge offs               (1,431)  
Recoveries               439  
Provision 200 300 300 600 600 5,687 2,986 800 9,873
Ending balance       5,852       5,660 5,852
Individually evaluated for impairment               1,843  
Collectively evaluated for impairment               3,817  
Net Loans receivable:                  
Gross Loans       328,674       327,303 328,674
Individually evaluated for impairment               10,227  
Collectively evaluated for impairment               317,076  
Residential Mortgage
                 
Allowance for loan losses:                  
Beginning Balance     699         699  
Charge offs               (648)  
Provision               614  
Ending balance               665  
Collectively evaluated for impairment               665  
Net Loans receivable:                  
Gross Loans               86,539  
Individually evaluated for impairment               40  
Collectively evaluated for impairment               86,499  
Multi-family Real Estate Loans
                 
Allowance for loan losses:                  
Beginning Balance     596         596  
Provision               (121)  
Ending balance               475  
Individually evaluated for impairment               423  
Collectively evaluated for impairment               52  
Net Loans receivable:                  
Gross Loans               13,509  
Individually evaluated for impairment               4,923  
Collectively evaluated for impairment               8,586  
Construction and Land Development Loans
                 
Allowance for loan losses:                  
Beginning Balance     777         777  
Charge offs               (138)  
Recoveries               23  
Provision               (171)  
Ending balance               491  
Individually evaluated for impairment               200  
Collectively evaluated for impairment               291  
Net Loans receivable:                  
Gross Loans               30,679  
Individually evaluated for impairment               510  
Collectively evaluated for impairment               30,169  
Nonresidential Real Estate Loans
                 
Allowance for loan losses:                  
Beginning Balance     1,047         1,047  
Charge offs               (31)  
Provision               (35)  
Ending balance               981  
Individually evaluated for impairment               467  
Collectively evaluated for impairment               514  
Net Loans receivable:                  
Gross Loans               50,128  
Individually evaluated for impairment               1,834  
Collectively evaluated for impairment               48,294  
Owner Occupied Loans
                 
Allowance for loan losses:                  
Beginning Balance     347         347  
Charge offs               (23)  
Recoveries               13  
Provision               10  
Ending balance               347  
Collectively evaluated for impairment               347  
Net Loans receivable:                  
Gross Loans               68,327  
Collectively evaluated for impairment               68,327  
Commercial Loans
                 
Allowance for loan losses:                  
Beginning Balance     2,130         2,130  
Charge offs               (442)  
Recoveries               386  
Provision               407  
Ending balance               2,481  
Individually evaluated for impairment               753  
Collectively evaluated for impairment               1,728  
Net Loans receivable:                  
Gross Loans               57,171  
Individually evaluated for impairment               2,504  
Collectively evaluated for impairment               54,667  
HELOC and Junior Liens
                 
Allowance for loan losses:                  
Beginning Balance     234         234  
Charge offs               (109)  
Recoveries               2  
Provision               41  
Ending balance               168  
Collectively evaluated for impairment               168  
Net Loans receivable:                  
Gross Loans               17,085  
Individually evaluated for impairment               416  
Collectively evaluated for impairment               16,669  
Consumer Loans
                 
Allowance for loan losses:                  
Beginning Balance     22         22  
Charge offs               (40)  
Recoveries               15  
Provision               55  
Ending balance               52  
Collectively evaluated for impairment               52  
Net Loans receivable:                  
Gross Loans               3,865  
Collectively evaluated for impairment               $ 3,865  
XML 74 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Deposits Details Narrative    
Aggregate amount of time deposits greater than $100 $ 57,198 $ 67,502
FDIC Deposit Insurance Threshold 250  
Overdrafts reclassified as loans $ 77 $ 75
XML 75 R39.htm IDEA: XBRL DOCUMENT v2.4.0.8
MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)
12 Months Ended
Jun. 30, 2013
Mortgage Banking [Abstract]  
Schedule of compliance with regulatory capital requirements
 
                             
To Be Well
 
                             
Capitalized Under
 
               
For Capital
   
Prompt Corrective
 
   
Actual
   
Adequacy Purposes
   
Action Provisions
 
   
Amount
   
Ratio
   
Amount
     
Ratio
   
Amount
     
Ratio
 
   
(Dollars in thousands)
 
At June 30, 2013
                                       
Total Risk-Based Capital
                                       
(To Risk Weighted Assets)
                                       
 Consolidated
  $ 53,507       15.25 %   $ 28,078  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    49,773       14.18 %     28,075  
 
    8.0 %     35,093  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    49,104       13.99 %     14,039  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       12.93 %     14,037  
 
    4.0 %     21,056  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
 Consolidated
    49,104       9.97 %     19,697  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       9.21 %     19,695  
 
    4.0 %     24,619  
 
    5.0 %
                                                     
At June 30, 2012
                                                   
Total Risk-Based Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
  $ 50,937       14.63 %   $ 27,857  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    46,815       13.42 %     27,900  
 
    8.0 %     34,875  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    46,566       13.37 %     13,929  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    42,437       12.17 %     13,950  
 
    4.0 %     20,925  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
Consolidated
    46,566       9.03 %     20,637  
 
    4.0 %  
NA
 
Jefferson Federal Bank
    42,437       8.23 %     20,634  
 
    4.0 %     25,792  
 
    5.0 %
Reconciliation between GAAP capital and the various categories of regulatory capital
The following table provides reconciliation between GAAP capital and the various categories of regulatory capital:
 
   
Bank
 
   
June 30,
 
   
2013
   
2012
 
             
GAAP Capital
  $ 57,053     $ 56,290  
Adjustments:
               
Deferred Taxes
    (10,652 )     (11,221 )
Unrealized gains
    111       (1,095 )
Disallowed intangibles
    (1,151 )     (1,537 )
                 
Core, Tangible and Tier 1 Capital
    45,361       42,437  
                 
Adjustments:
               
Allowance for losses
    4,412       4,378  
                 
Total Capital
  $ 49,773     $ 46,815  
 
XML 76 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Tables)
12 Months Ended
Jun. 30, 2013
Deposits Tables  
Schedule of Deposits
Deposits are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
             
Non-interest bearing accounts
  $ 54,765     $ 52,436  
NOW accounts, 0.10% and 0.12%, respectively
    54,164       52,958  
Savings accounts, 0.23% and 0.23%, respectively
    91,280       96,588  
Money market accounts, 0.23% and 0.23%, respectively
    51,324       51,492  
Total transaction accounts
    251,533       253,474  
Certificates:
               
0.00 - 1.00%
  $ 115,563     $ 129,619  
1.01 - 2.00%
    31,306       36,538  
2.01 - 3.00%
    533       2,313  
3.01 - 4.00%
    35       64  
4.01 - 5.00%
    672       1,874  
Total Certificates, 0.66% and 0.91%, respectively
    148,109       170,408  
                 
Total Deposits
  $ 399,642     $ 423,882  
                 
Weighted-average rate - deposits
    0.34 %     0.46 %
Scheduled maturities of time deposits
At June 30, 2013, the scheduled maturities of time deposits are as follows:
 
CD Maturities:
     
       
2014
  $ 110,024  
2015
    21,336  
2016
    11,530  
2017
    2,205  
2018
    3,014  
         
Total
  $ 148,109  
Interest on deposits
Following is a summary of interest on deposits:
 
   
June 30,
 
   
2013
   
2012
 
             
NOW
  $ 59     $ 77  
Savings
    207       485  
MMA
    119       311  
Certificates
    1,150       2,092  
      1,535       2,965  
Less : penalties
           
                 
Total
  $ 1,535     $ 2,965  
 
XML 77 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
FHLB ADVANCES (Tables)
12 Months Ended
Jun. 30, 2013
Fhlb Advances Tables  
Schedule of maturities and weighted average rates of fixed rate FHLB advances
Maturities and weighted average rates of fixed rate FHLB advances at June 30, 2013 and 2012 are as follows:
 
   
Amount
   
Weighted Avg Rate
 
   
2013
   
2012
   
2013
   
2012
 
                         
Fixed Rate Advances Maturing:
                       
Less than 1 year
  $ 26,997     $       3.41 %     0.00 %
1 to 2 years
    5,048       26,993       3.22 %     3.41 %
2 to 3 years
          5,082       0.00 %     3.20 %
3 to 4 years
                0.00 %     0.00 %
4 to 5 years
    5,110             3.33 %     0.00 %
5 to 10 years
          5,134       0.00 %     3.31 %
After 10 years
    471       654       2.65 %     2.66 %
                                 
Total FHLB Advances
  $ 37,626     $ 37,863       3.36 %     3.36 %
XML 78 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
INVESTMENT SECURITIES
12 Months Ended
Jun. 30, 2013
Investment Securities  
Investment Securities
NOTE 5 – INVESTMENT SECURITIES

Investment securities are summarized as follows:
 
   
June 30, 2013
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 21,985     $ 88     $ (420 )   $ 21,653  
Mortgage-backed securities
    65,607       1,096       (835 )     65,868  
Municipal securities
    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 %                        
 
   
June 30, 2012
 
   
Amortized
   
Unrealized
   
Unrealized
   
Fair
 
   
Cost
   
Gains
   
Losses
   
Value
 
   
(Dollars in thousands)
 
Securities Available-for-Sale
                       
Debt securities:
                       
Federal agency securities
  $ 24,033     $ 263     $     $ 24,296  
Mortgage-backed securities
    52,822       1,658       (65 )     54,415  
Municipal securities
    4,245       318             4,563  
Other securities
    609             (400 )     209  
Total securities available-for-sale
  $ 81,709     $ 2,239     $ (465 )   $ 83,483  
                                 
Weighted-average rate
    2.20 %                        
 
Investment securities with a carrying value of $11,017 and $13,021 were pledged to secure public funds, repurchase agreements and/or advances from the Federal Home Loan Bank at June 30, 2013 and 2012, respectively.

At June 30, 2013, the Company held no securities of any single issue (excluding the U.S. Government and federal agencies) with a book value that exceeded 10% of stockholders’ equity.

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
 
June 30, 2013
                                   
Federal agency securities
  $ 9,555     $ (420 )   $     $     $ 9,555     $ (420 )
Mortgage-backed securities
    25,078       (832 )     443       (3 )     25,521       (835 )
Municipal securities
    3,798       (171 )                 3,798       (171 )
Other securities
                498       (109 )     498       (109 )
    $ 38,431     $ (1,423 )   $ 941     $ (112 )   $ 39,372     $ (1,535 )
                                                 
   
Less than 12 months
   
12 months or more
   
Total
 
   
Fair
   
Unrealized
   
Fair
   
Unrealized
   
Fair
   
Unrealized
 
   
Value
   
Losses
   
Value
   
Losses
   
Value
   
Losses
 
June 30, 2012
                                               
Federal agency securities
  $     $     $     $     $     $  
Mortgage-backed securities
    2,100       (9 )     569       (56 )     2,669       (65 )
Municipal securities
                                   
Other securities
                207       (400 )     207       (400 )
    $ 2,100     $ (9 )   $ 776     $ (456 )   $ 2,876     $ (465 )
 
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 foregoing unrealized losses in other comprehensive income. There were no other-than-temporary impairment charges for the year ending June 30, 2013. Unrealized losses on all securities as shown above are considered to be temporary in nature. The Company neither has the intent to sell nor is it forecasting the need or requirement to sell the securities before their anticipated recovery.

Federal Agency SecuritiesThe unrealized losses of $420 for these ten 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 does not intend 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 June 30, 2013.

GSE Residential Mortgage-Backed Securities – The unrealized losses of $832 for these thirty-three 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 does not intend 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 June 30, 2013.
 

Private-Label Residential Mortgage-Backed Securities - The unrealized loss of $3 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 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 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 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 $171 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 does not intend 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 June 30, 2013.

Other Securities – The unrealized loss of $109 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 June 30, 2013.
 
Maturities of debt securities at June 30, 2013 are summarized as follows:
 
               
Weighted
 
         
Fair
   
Average
 
   
Cost
   
Value
   
Yield
 
                   
Within 1 year
  $ 6,763     $ 6,808       1.26 %
Over 1 year through 5 years
    4,579       4,615       1.67 %
After 5 years through 10 years
    23,836       23,576       1.58 %
Over 10 years
    61,025       61,025       2.00 %
    $ 96,203     $ 96,024       1.83 %
 
Proceeds from sale of debt securities and gross realized gains and losses on these sales are summarized as follows:
 
   
Year ended June 30,
 
   
2013
   
2012
 
             
Proceeds from sales
  $ 83     $ 3,619  
                 
Gross realized gains
    8       156  
Gross realized losses
          (135 )
Net gains (losses)
  $ 8     $ 21  
 
XML 79 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT, NET (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Components of premises and equipment, net    
Premises and equipment, gross $ 34,778 $ 34,458
Accumulated depreciation and amortization 9,142 8,097
Premises and equipment, net 25,636 26,361
Land
   
Components of premises and equipment, net    
Premises and equipment, gross 6,772 6,772
Office Building
   
Components of premises and equipment, net    
Premises and equipment, gross 22,117 21,982
Furniture and equipment
   
Components of premises and equipment, net    
Premises and equipment, gross $ 5,889 $ 5,704
XML 80 R89.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE DISCLOSURES (Details 2) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Other real estate owned $ 5,433 $ 6,075
Fair Value measured on a Non-Recurring Basis | Level 3
   
Impaired Loans 12,594 21,549
Other real estate owned 5,433 6,075
Fair Value measured on a Non-Recurring Basis | Total Gains (Losses)
   
Impaired Loans (927) (1,509)
Other real estate owned $ (60) $ (481)
XML 81 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
NATURE OF BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
12 Months Ended
Jun. 30, 2013
Nature Of Business And Summary Of Significant Accounting Policies Policies  
Principles of Consolidation
Principles of Consolidation - The consolidated financial statements include the accounts of Jefferson Bancshares, Inc. and its wholly owned subsidiaries Jefferson Federal Bank and State of Franklin Bank Statutory Trust II.All significant intercompany balances and transactions have been eliminated in consolidation.
Use of Estimates
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.
Significant Group Concentrations of Credit Risk
Significant Group Concentrations of Credit Risk - The Company originates residential real estate loans, commercial real estate loans and, to a lesser extent, consumer loans primarily to customers located in Upper East Tennessee.The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.
Cash and cash equivalents
a.
For purposes of reporting cash flows, cash and cash equivalents include cash and balances due from depository institutions, interest-bearing deposits in other depository institutions and fed funds sold with original maturities of three months or less. Interest-bearing deposits in other depository institutions were $15,677 and $53,650 at June 30, 2013 and 2012, respectively.
Marketable securities
 
b.
Investments in debt securities are classified as "held-to-maturity" or "available-for-sale" depending upon the intent of management with respect to the particular investments.Investments classified as "held-to-maturity" are carried at cost while those identified as "available-for-sale" are carried at fair value.All securities are adjusted for amortization of premiums and accretion of discounts over the term of the security using the interest method.Management has the positive intent and ability to carry those securities classified as "held-to-maturity" to maturity for long-term investment purposes and, accordingly, such securities are not adjusted for temporary declines in market value."Available-for-sale" securities are adjusted for changes in fair value through a direct entry to a separate component of stockholders' equity (i.e., other comprehensive income).Investments in equity securities are carried at the lower of cost or market.The cost of securities sold is determined by specific identification.
Loans receivable
 
c.
Loans receivable, net, which management has the intent and ability to hold until maturity or pay-off, are generally carried at unpaid principal balances less loans in process, net deferred loan fees, unearned discount on loans and allowances for losses. Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized to interest income over the contractual life of the loan using the interest method.
Mortgage Loans
 
d.
The Company originates mortgage loans conforming to guidelines for sale in the secondary mortgage market. Because commitment letters are only given to the borrower after an underwriter agrees to purchase the loan according to the stated terms, the Company’s maximum time between funding the loan and completing the sale to the underwriter is generally three weeks.The loans are carried at the lower of aggregate cost or fair market value as determined by the amount committed to by the underwriter. The loans are sold without recourse and the mortgage servicing rights are sold as part of the loan package.
Allowance for loan and lease loss
e.
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 write-down to fair value is charged to the allowance for loan and lease losses.Any subsequent write-down 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. Loan pools 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, consumer loans, HELOC and junior liens.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.Management utilizes a loan grading system and assigns a loan grade of “Pass”, “Watch”, “Special Mention”, “Substandard”, “Doubtful” or “Loss” based on risk characteristics of loans.Lending staff reviews the loan grades of customers on a regular basis and makes changes as needed given that the creditworthiness of customers may change over time.
 
Descriptions of loan grades are as follows:
 
Pass - loans in this category represent an acceptable risk and do not require heightened levels of monitoring by lending staff.
 
Watch - loans in this category represent an acceptable risk; however, require monitoring by lending staff due to potential weakness for any number of reasons.
 
Special Mention - loans in this category have potential weaknesses that may result in deteriorating prospects for the asset or in the Bank’s credit position at some future date.
 
Substandard - loans in this category are inadequately protected by the sound worth and paying capacity of the borrower or the collateral pledged.Borrowers in this category have a well-defined weakness(es) that jeopardize the proper liquidation of the debt.
 
Doubtful - loans classified as doubtful have a clear and defined weakness making the ultimate repayment of the loan, or portions thereof, highly improbable.
 
Loss - loans classified as “loss” are those of such little value that their continuance as bank assets is not warranted, even though partial recovery may be affected in the future.Charge off is required in the month this grade is assigned.
 
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 which have an outstanding principal balance 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 2011-02in 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 $9.1 million and $10.8 million at June 30, 2013 and 2012, respectively.
 
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 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.Payments received on non-accrual loans are applied to the remaining principal balance of the loans.
 
The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. 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 is subject to periodic examination by regulatory agencies, which may require the Company to record increases in the allowances based on the regulator’s evaluation of available information.There can be no assurance that the Company’s regulators will not require further increases to the allowances.
 
Tabular information related to loan grades, composition of loan portfolio and activity in the allowance for loan losses is included in Note 6.
Financial instruments
 
f.
Credit related financial instruments arising in the ordinary course of business consist primarily of commitments to extend credit.Such financial instruments are recorded when they are funded.
Premises and equipment
 
g.
Premises and equipment are carried at cost, less accumulated depreciation. Expenditures for assets with a life greater than one year and costing more than $1,000 are generally capitalized.Depreciation of premises and equipment is computed using the straight-line and accelerated methods based on the estimated useful lives of the related assets. Estimated lives for buildings, leasehold improvements, equipment and furniture are thirty-nine, thirty- nine, five and seven years, respectively.Estimated lives for building improvements are evaluated on a case-by-case basis and depreciated over the estimated remaining life of the improvement.
Foreclosed real estate
h.
Foreclosed real estate is initially recorded, and subsequently carried, at the lower of cost or fair value less estimated selling costs.Costs related to improvement of foreclosed real estate are capitalized.
Income taxes
 
i.
Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method.Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws.
Share based compensation
j.
GAAP requires a public entity to measure the cost of employee services received in exchange for an award of equity instruments based on the grant-date fair value of the award (with limited exceptions). That cost will be recognized over the period during which an employee is required to provide service in exchange for the award - the requisite service period.
 
The Company utilizes the prospective application transition method. This method requires the Company to expense the unvested portion of options granted in fiscal 2013, which reduces net earnings by approximately $3, net of taxes for the fiscal year ending June 30, 2013 and by approximately $12 in the remaining requisite service period. GAAP provides for the use of alternative models to determine compensation cost related to stock option grants. The Company has determined the estimated fair value of stock options at grant date using the Black-Scholes option-pricing model based on market data as of June 30, 2012. The expected dividend yield of 0.0% and expected volatility of 65.52% were used to model the value. The risk free rate of return equaled 1.11%, which was based on the yield of a U.S. Treasury note with a term of ten years. The estimated time remaining before the expiration of the options equaled ten years.
Core Deposit Intangible
Core Deposit Intangible – The core deposit intangible (CDI) is an asset arising from the acquisition of State of Franklin Bank. The CDI was initially measured at fair value and then amortized using an accelerated method over ten years. The core deposit intangible asset is assessed at least annually for impairment and any such impairment will be recognized in the period identified.
Segment Reporting
Segment Reporting – The Company’s operations are solely in the financial services industry and include providing to its customers traditional banking and other financial services.The Company operates primarily in Tennessee.Management makes operating decisions and assesses performance based on an ongoing review of the Company’s financial results.Therefore, the Company has a single operating segment for financial reporting purposes.
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FAIR VALUE DISCLOSURES (Tables)
12 Months Ended
Jun. 30, 2013
Fair Value Disclosures Tables  
Schedule of assets and liabilities recorded at fair value on a recurring basis
Below are tables that present information about certain assets and liabilities measured at fair value:
 
    June 30, 2013  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
95,082
   
$
942
   
$
96,024
 
 
$
96,024
 
 
    June 30, 2012  
         
Total Carrying
       
         
Amount in
   
Assets/Liabilities
 
   
Fair Value Measurement Using
   
Statement of
   
Measured at
 
Description
 
Level 1
   
Level 2
   
Level 3
   
Financial Condition
   
Fair Value
 
                               
Securities available for sale
 
$
   
$
82,738
   
$
745
   
$
83,483
 
 
$
83,483
 
 
Schedule of changes in Level 3 assets measured at fair value on a recurring basis
The following table below presents, for the year ending June 30, 2013, the changes in Level 3 assets that are measured at fair value on a recurring basis:
 
               
Other
         
Transfers
       
   
Balance at
         
Comprehensive
         
In or Out
   
Balance at
 
   
June 30, 2012
   
Net Income
   
Income
   
Paydowns
   
of Level 3
   
June 30, 2013
 
                                     
Securities available for sale
  $ 745     $     $ 345     $ (148 )   $     $ 942  
 
Schedule of assets and liabilities recorded at fair value on a nonrecurring basis
Assets measured at fair value on a nonrecurring basis at June 30, 2013 and 2012 are included in the table below.
 
   
June 30, 2013
   
June 30, 2012
 
                     
Total Gains
                     
Total Gains
 
Description
 
Level 1
   
Level 2
   
Level 3
   
(Losses)
   
Level 1
   
Level 2
   
Level 3
   
(Losses)
 
                                                 
Impaired Loans
  $     $     $ 12,594     $ (927 )   $     $     $ 21,549     $ (1,509 )
Other real estate owned
                5,433       (60 )                 6,075       (481 )
 
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:
 
   
June 30, 2013
   
June 30, 2012
 
   
Carrying
   
Fair
   
Carrying
   
Fair
 
   
Amount
   
Value
   
Amount
   
Value
 
                         
Financial assets:
                       
Cash and due from banks and interest-earning deposits with banks
  $ 24,514     $ 24,514     $ 56,693     $ 56,693  
Available-for-sale securities
    96,024       96,024       83,483       83,483  
Federal Home Loan Bank stock
    4,735       4,735       4,735       4,735  
Bank owned life insurance
    7,100       7,100       6,861       6,861  
Loans receivable
    321,299       329,268       322,499       330,664  
Accrued interest receivable
    1,409       1,409       1,575       1,575  
Loans held-for-sale
    97       97       381       381  
                                 
Financial liabilities:
                               
Deposits
    (399,642 )     (391,442 )     (423,882 )     (424,523 )
Borrowed funds
    (38,177 )     (39,505 )     (38,261 )     (40,064 )
Subordinated debentures
    (7,358 )     (4,950 )     (7,245 )     (4,200 )
                                 
Off-balance sheet assets (liabilities):
                               
Commitments to extend credit
          15,330             8,452  
Unused letters of credit
          320             4,454  
Unused lines of credit
          27,663             31,409  
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DEPOSITS
12 Months Ended
Jun. 30, 2013
Deposits  
DEPOSITS
NOTE 8 - DEPOSITS

Deposits are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
             
Non-interest bearing accounts
  $ 54,765     $ 52,436  
NOW accounts, 0.10% and 0.12%, respectively
    54,164       52,958  
Savings accounts, 0.23% and 0.23%, respectively
    91,280       96,588  
Money market accounts, 0.23% and 0.23%, respectively
    51,324       51,492  
Total transaction accounts
    251,533       253,474  
Certificates:
               
0.00 - 1.00%
  $ 115,563     $ 129,619  
1.01 - 2.00%
    31,306       36,538  
2.01 - 3.00%
    533       2,313  
3.01 - 4.00%
    35       64  
4.01 - 5.00%
    672       1,874  
Total Certificates, 0.66% and 0.91%, respectively
    148,109       170,408  
                 
Total Deposits
  $ 399,642     $ 423,882  
                 
Weighted-average rate - deposits
    0.34 %     0.46 %
 
The aggregate amount of time deposits in denominations of $100 or more was $57,198 and $67,502, respectively, at June 30, 2013 and 2012.

The Deposit Insurance Fund, as administrated by the Federal Deposit Insurance Corporation, insures deposits up to applicable limits.Deposit amounts in excess of $250,000 are generally not federally insured.

The total amount of overdrafts reclassified as loans was $77 and $75, respectively, at June 30, 2013 and 2012.

At June 30, 2013, the scheduled maturities of time deposits are as follows:
 
CD Maturities:
     
       
2014
  $ 110,024  
2015
    21,336  
2016
    11,530  
2017
    2,205  
2018
    3,014  
         
Total
  $ 148,109  

Following is a summary of interest on deposits:
 
   
June 30,
 
   
2013
   
2012
 
             
NOW
  $ 59     $ 77  
Savings
    207       485  
MMA
    119       311  
Certificates
    1,150       2,092  
      1,535       2,965  
Less : penalties
           
                 
Total
  $ 1,535     $ 2,965  
 
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CORE DEPOSIT INTANGIBLE (CDI) (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Core Deposit Intangible Cdi Details Narrative    
Amortization expense - CDI $ 386 $ 441
Amortization period 10 years  
Amortization method Accelerated Method  
XML 85 R74.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details 2) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Deferred tax liabilities    
FHLB stock dividends $ (959) $ (959)
Depreciation (12) (27)
FHLB advance restructuring penalty (72) (181)
Allowance for "available-for-sale" securities    (679)
[us-gaap:DeferredIncomeTaxLiabilities] (1,043) (1,846)
Deferred tax assets:    
Fair value adjustment from acquisition, net 708 533
Subsequent writedowns on foreclosed property 434 831
Nonaccrual interest on securities 58 48
NOL carryforward 7,596 8,023
Deferred loan fees, net 132 124
Deferred compensation 62 55
Capital loss on Silverton Bank Stock 141 141
Allowance for losses on loans 2,895 2,908
Allowance for "available-for-sale" securities 69   
Gross deferred tax assets 12,095 12,663
Valuation allowance (141) (141)
Deferred tax asset 11,954 12,522
Net deferred tax asset $ 10,911 $ 10,676
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RECENT ACCOUNTING PRONOUNCEMENTS
12 Months Ended
Jun. 30, 2013
Recent Accounting Pronouncements  
RECENT ACCOUNTING PRONOUNCEMENTS
NOTE 4 – RECENT ACCOUNTING PRONOUNCEMENTS

ASU 2013-11 –In July 2013, the FASB issued Accounting Standards Update 2013-11, “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss, a Similar Tax Loss, or a Tax Credit Carryforward Exists – a consensus of the FASM Emerging Issues Tax Force”. This update provides explicit guidance on the presentation in the financial statements. This standards update helps to bring consistency to a wide ranging diversity that currently exists in practice on the presentation of such unrecognized tax benefits.The amendments in this update become effective for public companies for fiscal years and interim periods within those years, beginning after December 31, 2013. Management does not believe this update will have a material, if any, impact on the Company’s consolidated financial statements.

ASU 2013-02 –In February 2013, the FASB issued Accounting Standards Update 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The Company adopted this update prospectively as of the quarter ended March 31, 2013. Accordingly, the Company’s financial statements now include consolidated statements of comprehensive income disclosing the required information.
 
ASU 2011-11 – In December 2011, the FASB issued ASU 2011-11, “Disclosures about Offsetting Assets and Liabilities.” This update requires entities to disclose both gross information and net information about instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement. The scope of this update includes derivatives, sale and repurchase agreements and reverse sale and repurchase agreements and securities borrowing and lending arrangements. The Company is required to adopt this update retrospectively for annual periods beginning after January 1, 2013. Management does not anticipate that adoption will have a material impact on the Company’s consolidated financial position, results of operations or cash flows. ASU 2013-01 clarifies certain of the provisions of ASU 2011-11.
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Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Statement of Stockholders' Equity [Abstract]    
Purchase of common stock, shares 30,897 2,534
XML 89 R90.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE DISCLOSURES (Details 3) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Financial assets:    
Securities available for sale $ 96,024 $ 83,483
Bank owned life insurance 7,100 6,861
Accrued interest receivable 349 383
Off-balance sheet assets (liabilities):    
Fair Value Off-balance sheet assets (liabilities) 29,500  
Carrying Amount
   
Financial assets:    
Cash and due from banks and interest-earning deposits with banks 24,514 56,693
Securities available for sale 96,024 83,483
Federal Home Loan Bank stock 4,735 4,735
Bank owned life insurance 7,100 6,861
Loans receivable, net 321,299 322,499
Accrued interest receivable 1,409 1,575
Loans held-for-sale 97 381
Financial liabilities:    
Deposits (399,642) (423,882)
Borrowed funds (38,177) (38,261)
Subordinated debentures (7,358) (7,245)
Fair Value
   
Financial assets:    
Cash and due from banks and interest-earning deposits with banks 24,514 56,693
Securities available for sale 96,024 83,483
Federal Home Loan Bank stock 4,735 4,735
Bank owned life insurance 7,100 6,861
Loans receivable, net 329,268 330,664
Accrued interest receivable 1,409 1,575
Loans held-for-sale 97 381
Financial liabilities:    
Deposits (391,442) (424,523)
Borrowed funds (39,505) (40,064)
Subordinated debentures (4,950) (4,200)
Fair Value | Commitment to Fund Loans
   
Off-balance sheet assets (liabilities):    
Fair Value Off-balance sheet assets (liabilities) 15,330 8,452
Fair Value | Unused letters of credit
   
Off-balance sheet assets (liabilities):    
Fair Value Off-balance sheet assets (liabilities) 320 4,454
Fair Value | Line of Credit
   
Off-balance sheet assets (liabilities):    
Fair Value Off-balance sheet assets (liabilities) $ 27,663 $ 31,409
XML 90 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Loans receivable, net    
Gross Loans $ 327,303 $ 328,674
Deferred loan fees, net (344) (323)
Allowance for loan losses (5,660) (5,852)
Loans receivable, net 321,299 322,499
Weighted average rate 5.30% 5.82%
Residential One- to Four-Family Real Estate Loan
   
Loans receivable, net    
Gross Loans 87,233 97,182
Allowance for loan losses   (699)
Multi-family Real Estate Loans
   
Loans receivable, net    
Gross Loans 13,509 11,564
Commercial Real Estate Loans
   
Loans receivable, net    
Gross Loans 120,205 127,185
Land Real Estate Loans
   
Loans receivable, net    
Gross Loans 22,296 27,487
Home Equity Line of Credit
   
Loans receivable, net    
Gross Loans 16,259 18,395
Real Estate Loans
   
Loans receivable, net    
Gross Loans 266,194 282,361
Commercial Loans
   
Loans receivable, net    
Gross Loans 57,288 42,107
Loans secured by deposit accounts
   
Loans receivable, net    
Gross Loans 340 381
Other consumer loans
   
Loans receivable, net    
Gross Loans 2,971 2,989
Loans secured by automobiles
   
Loans receivable, net    
Gross Loans 510 833
Mobile home loans
   
Loans receivable, net    
Gross Loans   3
Non-Real Estate Loans
   
Loans receivable, net    
Gross Loans $ 3,821 $ 4,206
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INVESTMENT SECURITIES (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Securities pledged to secure public funds, repurchase agreements and advances from the Federal Home Loan Bank $ 11,017 $ 13,021
Unrealized losses on securities 1,535 465
Federal agency
   
Unrealized losses on securities 420  
Number of securities in unrealized loss position 10  
GSE Residential Mortgage-Backed Securities
   
Unrealized losses on securities 832  
Number of securities in unrealized loss position 33  
Private-Label Residential Mortgage-Backed Securities
   
Unrealized losses on securities 3  
Number of securities in unrealized loss position 1  
Municipal Securities
   
Unrealized losses on securities 171  
Number of securities in unrealized loss position 8  
Other Securities
   
Unrealized losses on securities $ 109 $ 400
Number of securities in unrealized loss position 1  
XML 93 R82.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Details 1) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 12 Months Ended
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2013
Jun. 30, 2012
Interest income                 $ 17,529 $ 20,271
Other income                 283 261
Interest expense 744 751 789 846 939 1,073 1,203 1,355 3,130 4,570
Other operating expenses 3,806 3,873 3,961 3,906 3,806 3,772 5,095 4,020 15,546 16,693
Income before Taxes and Equity in Undistributed Net Income of Jefferson Federal Bank 764 539 462 373 381 365 (5,632) (1,638) 2,138 (6,524)
Income tax 199 153 114 78 90 31 (1,965) (680) 544 (2,524)
Net income 565 386 348 295 291 334 (3,667) (958) 1,594 (4,000)
Parent Company
                   
Interest income                 132  
Total Income                 132  
Interest expense                 325  
Other operating expenses                 150  
Income before Taxes and Equity in Undistributed Net Income of Jefferson Federal Bank                 (343)  
Income tax                 (131)  
[ProfitLoss]                 (212)  
Equity in undistributed earnings of subsidiary                 1,806  
Net income                 $ 1,594  
XML 94 R33.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Tables)
12 Months Ended
Jun. 30, 2013
Loans Receivable Net Tables  
Schedule of loans receivable, net
Loans receivable, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Real estate loans:
           
Residential one-to four-family
  $ 87,233     $ 97,182  
Multi-family
    13,509       11,564  
Construction
    6,692       548  
Commercial
    120,205       127,185  
Land
    22,296       27,487  
Home equity line of credit
    16,259       18,395  
                 
Total real estate loans
    266,194       282,361  
                 
Commercial business loans
    57,288       42,107  
                 
Consumer Loans:
               
Loans secured by deposit accounts
    340       381  
Other consumer loans
    2,971       2,989  
Loans secured by automobiles
    510       833  
Mobile home loans
          3  
                 
Total non-real estate loans
    3,821       4,206  
                 
Total gross loans
    327,303       328,674  
                 
Less:
               
Deferred loan fees, net
    (344 )     (323 )
Allowance for losses
    (5,660 )     (5,852 )
Loans receivable, net
  $ 321,299     $ 322,499  
                 
Weighted average rate
    5.30 %     5.82 %
 
Schedule of impaired and non-accrual loans
The following is a summary of information pertaining to impaired and non-accrual loans:
 
   
June 30,
 
   
2013
   
2012
 
             
Impaired loans without a valuation allowance
  $ 4,210     $ 12,359  
Impaired loans with a valution allowance
    10,227       12,051  
Total impaired loans
  $ 14,437     $ 24,410  
                 
Valuation allowance for impaired loans
  $ 1,843     $ 2,861  
                 
Total non-accrual loans
  $ 12,796     $ 18,562  
                 
Average investment in impaired loans
  $ 19,915     $ 30,415  
Interest income recognized on impaired loans
  $ 344     $ 825  
 
Schedule of activity in the allowance for loan losses
The following is a table summarizing the activity in the allowance for loan losses for the year ending June 30, 2013:
 
   
Resid. Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-resid real estate
   
Owner occupied
   
Comm'l
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
                                                       
Allowance for Credit Losses:
                                                     
Balance at June 30, 2012
  $ 699     $ 596     $ 777     $ 1,047     $ 347     $ 2,130     $ 234     $ 22     $ 5,852  
Charge Offs
    (648 )           (138 )     (31 )     (23 )     (442 )     (109 )     (40 )     (1,431 )
Recoveries
                23             13       386       2       15       439  
Provision
    614       (121 )     (171 )     (35 )     10       407       41       55       800  
Balance at June 30, 2013
  $ 665     $ 475     $ 491     $ 981     $ 347     $ 2,481     $ 168     $ 52     $ 5,660  
   
`
                                                                 
Ending balance, Individually Evaluated
  $     $ 423     $ 200     $ 467     $     $ 753     $     $     $ 1,843  
Ending balance, Collectively Evaluated
  $ 665     $ 52     $ 291     $ 514     $ 347     $ 1,728     $ 168     $ 52     $ 3,817  
                                                                         
Loans:
                                                                       
                                                                         
Balance at June 30, 2013
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
                                                                         
Ending balance, Individually Evaluated
  $ 40     $ 4,923     $ 510     $ 1,834     $     $ 2,504     $ 416     $     $ 10,227  
Ending balance, Collectively Evaluated
  $ 86,499     $ 8,586     $ 30,169     $ 48,294     $ 68,327     $ 54,667     $ 16,669     $ 3,865     $ 317,076  
 
Schedule of aging analysis of the loan portfolio
The following table is an aging analysis of the loan portfolio:
 
   
30-59 days past due
   
60-89 days past due
   
90 or more days past due and still accruing
   
Nonaccrual
   
Total past due
   
Total Current
   
Total loans receivable
 
                                           
                                           
Residential Mortgage
  $ 256     $ 44     $     $ 1,918     $ 2,218     $ 84,321     $ 86,539  
Multi-family
                      4,927       4,927       8,582       13,509  
Construction/land development
                          1,011       1,011       29,668       30,679  
Non-residential real estate
    58       103             3,120       3,281       46,847       50,128  
Owner occupied
            123             868       991       67,336       68,327  
Commercial
    101       227             448       776       56,395       57,171  
Heloc and junior lien
                          65       65       17,020       17,085  
Consumer
    10                   439       449       3,416       3,865  
                                                         
Total
  $ 425     $ 497     $     $ 12,796     $ 13,718     $ 313,585     $ 327,303  
Schedule of credit risk profile by internally assigned grade
The following table summarizes the credit risk profile by internally assigned grade at June 30, 2013:

   
Resid Mtg.
   
Multi-family
   
Const. and land dev.
   
Non-residential real estate
   
Owner occupied
   
Commercial
   
HELOC/ Junior Liens
   
Consumer
   
Total
 
Grade:
                                                     
Pass
  $ 80,268     $ 7,872     $ 27,382     $ 40,291     $ 65,527     $ 52,740     $ 16,150     $ 3,447     $ 293,677  
Watch
    2,800       621       1,726       5,802       1,643       1,563       71       410       14,636  
Special mention
                                                     
Substandard
    3,471       5,016       1,571       4,035       1,157       2,868       864       8       18,990  
Doubtful
                                                       
Loss
                                                     
                                                                         
Total:
  $ 86,539     $ 13,509     $ 30,679     $ 50,128     $ 68,327     $ 57,171     $ 17,085     $ 3,865     $ 327,303  
 
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 as of June 30, 2013:
 
   
Recorded investment
   
Unpaid principal balance
   
Specific allowance
   
Interest income recognized
 
                         
With an allowance recorded:
                       
Residential Mortgage
  $ 40     $ 40     $     $ 1  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    310       510       (200 )     11  
Non-residential real estate
    1,367       1,834       (467 )      
Owner occupied
                       
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    416       416             15  
Consumer
                       
Total
  $ 8,384     $ 10,227     $ (1,843 )   $ 212  
                                 
With no related allowance:
                               
Residential Mortgage
  $ 890     $ 890     $     $ 61  
Multi-family
                       
Construction and land development
    300       300             4  
Non-residential real estate
    1,744       1,744             61  
Owner occupied
    653       653              
Commercial
                       
Heloc and junior lien
    193       193               6  
Consumer
    430       430              
Total
  $ 4,210     $ 4,210     $     $ 132  
                                 
Total:
                               
Residential Mortgage
  $ 930     $ 930     $     $ 62  
Multi-family
    4,500       4,923       (423 )      
Construction and land development
    610       810       (200 )     15  
Non-residential real estate
    3,111       3,578       (467 )     61  
Owner occupied
    653       653              
Commercial
    1,751       2,504       (753 )     185  
Heloc and junior lien
    609       609             21  
Consumer
    430       430              
Total
  $ 12,594     $ 14,437     $ (1,843 )   $ 344  
 
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 June 30, 2013:
 
   
June 30, 2013
 
   
Accrual Status
   
Non-Accrual Status
   
Number of Loans
   
Total TDR's
 
                         
Residential Mortgage
  $ 664     $       2     $ 664  
Multi-family
    621       4,923       2       5,544  
Construction and land development
    146             1       146  
Non-residential real estate
    122       2,010       3       2,132  
Owner occupied
          379       2       379  
Commercial
          237       2       237  
HELOC and Junior Lien
                       
Total
  $ 1,553     $ 7,549       12     $ 9,102  
 
The following tables include the recorded investment and number of modifications for modified loans.The Company reports the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured.During the years ended June 30, 2013 and 2012, there were no defaults of loans modified within the respective years.
 
   
For the year ended June 30, 2013
   
For the year ended June 30, 2012
 
         
Pre-Modification
   
Post-Modification
         
Pre-Modification
   
Post-Modification
 
         
Outstanding
   
Outstanding
         
Outstanding
   
Outstanding
 
   
Number
   
Recorded
   
Recorded
   
Number
   
Recorded
   
Recorded
 
   
of loans
   
Investment
   
Investment
   
of loans
   
Investment
   
Investment
 
Multi-family
        $     $       2     $ 7,775     $ 5,284  
Non-residential real estate
    1       191       191       1       3,025       2,000  
Total
    1     $ 191     $ 191       3     $ 10,800     $ 7,284  
 
Schedule of loans to directors, executive officers and associates
Following is a summary of loans to directors, executive officers and associates of such persons:
 
Balance at June 30, 2012
  $ 839  
         
Additions
    25  
Reclassifications
     
Repayments
    (2 )
         
Balance at June 30, 2013
  $ 862  
 
XML 95 R81.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2011
Assets      
Cash and due from banks $ 8,837 $ 3,043  
Other assets 4,719 2,054  
Total assets 503,028 522,930  
Liabilities and Stockholders' Equity      
Other liabilities 4,826 913  
Subordinated debentures 7,358 7,245  
Stockholders' equity 53,025 52,629 55,919
Total liabilities and stockholders' equity 503,028 522,930  
Parent Company
     
Assets      
Cash and due from banks 928 659  
Investment in common stock of Jefferson Federal Bank 57,052    
Investment in common stock of State of Franklin Statutory Trust II 1    
Loan receivable from ESOP 3,082    
Other assets 95    
Total assets 61,158    
Liabilities and Stockholders' Equity      
Accrued expenses 361    
Other liabilities 413    
Subordinated debentures 7,359    
Stockholders' equity 53,025    
Total liabilities and stockholders' equity $ 61,158    
XML 96 R88.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE DISCLOSURES (Details 1) (Fair Value measured on a Recurring Basis, Level 3, Available-for-sale Securities, USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Fair Value measured on a Recurring Basis | Level 3 | Available-for-sale Securities
 
Balance, beginning $ 745
Other comprehensive income 345
Paydowns (148)
Balance, ending $ 942
XML 97 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details) (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2013
Jun. 30, 2012
Non-interest bearing accounts $ 54,765 $ 52,436
NOW accounts 54,164 52,958
Savings accounts 91,280 96,588
Money market accounts 51,324 51,492
Total transaction accounts 251,533 253,474
Certificates:    
Total Certificates 148,109 170,408
Total Deposits 399,642 423,882
Weighted-average rate - Total Deposits 0.34% 0.46%
Weighted-average rate - NOW 0.10% 0.12%
Weighted-average rate - Savings 0.23% 0.23%
Weighted-average rate - Money Market 0.23% 0.23%
Weighted-average rate - Certificates Of Deposit 0.66% 0.91%
0.00%-1.00%
   
Certificates:    
Total Certificates 115,563 129,619
1.01%-2.00%
   
Certificates:    
Total Certificates 31,306 36,538
2.01%-3.00%
   
Certificates:    
Total Certificates 533 2,313
3.01%-4.00%
   
Certificates:    
Total Certificates 35 64
4.01%-5.00%
   
Certificates:    
Total Certificates $ 672 $ 1,874
XML 98 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS RECEIVABLE, NET (Details 7) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Loans
Jun. 30, 2012
Loans
Loans modified during the period    
Number of Loans 1 3
Pre-Modification Outstanding Recorded Investment $ 191 $ 10,800
Post-Modification Outstanding Recorded Investment 191 7,284
Multi-family Real Estate Loans
   
Loans modified during the period    
Number of Loans   2
Pre-Modification Outstanding Recorded Investment   7,775
Post-Modification Outstanding Recorded Investment   5,284
Nonresidential Real Estate Loans
   
Loans modified during the period    
Number of Loans 1 1
Pre-Modification Outstanding Recorded Investment 191 3,025
Post-Modification Outstanding Recorded Investment $ 191 $ 2,000
XML 99 R83.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Details 2) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 12 Months Ended
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2013
Jun. 30, 2012
Cash flows from operating activities:                    
Net income $ 565 $ 386 $ 348 $ 295 $ 291 $ 334 $ (3,667) $ (958) $ 1,594 $ (4,000)
Adjustments to reconcile net income to net cash provided by operating activities:                    
Deferred tax expense                 514 (2,524)
Amortization/accretion of intangibles                 386 441
Increase in other assets                 2,665 (4,925)
Net cash provided by (used for) operating activities                 7,068 6,339
Cash flows from investing activities:                    
Net cash provided by (used for) investing activities                 (14,826) 40,722
Cash flows from financing activities:                    
Purchase of treasury stock                 (156) (7)
Net cash provided by (used for) financing activities                 (24,421) (30,916)
Net increase in cash and cash equivalents                 (32,179) 16,145
Cash and cash equivalents at beginning of year       3,043         3,043  
Cash and cash equivalents at end of year 8,837       3,043       8,837 3,043
Parent Company
                   
Cash flows from operating activities:                    
Net income                 1,594  
Adjustments to reconcile net income to net cash provided by operating activities:                    
Equity in undistributed (earnings) loss of subsidiaries                 (1,806)  
Deferred tax expense                 (131)  
Amortization/accretion of intangibles                 112  
Increase in other assets                 10  
Increase in other liabilities                 199  
Net cash provided by (used for) operating activities                 (22)  
Cash flows from investing activities:                    
Return of principal on loan to ESOP                 447  
Net cash provided by (used for) investing activities                 447  
Cash flows from financing activities:                    
Purchase of treasury stock                 (156)  
Net cash provided by (used for) financing activities                 (156)  
Net increase in cash and cash equivalents                 269  
Cash and cash equivalents at beginning of year       659         659  
Cash and cash equivalents at end of year $ 928               $ 928  
XML 100 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
EMPLOYEE BENEFIT PLANS
12 Months Ended
Jun. 30, 2013
Employee Benefit Plans  
EMPLOYEE BENEFIT PLANS
NOTE 11 – EMPLOYEE BENEFIT PLANS

401 (K) RETIREMENT PLAN.The Company has a defined contribution pension plan covering all employees having attained the age of 20 and one-half and completing six months of service.Normal retirement date is the participant’s sixty-fifth birthday.

Before the Company established the Employee Stock Ownership Plan (effective July 1, 2003), the 401(k) plan was funded by annual employer contributions of 10% of the total plan compensation of all participants in the plan.The amount contributed by the employer was divided among the participants in the same proportion that each participant’s compensation bore to the aggregate compensation of all participants.Employer contributions vest to employees over a seven-year period.Employees are permitted to make contributions of up to 50% of their compensation subject to certain limits based on federal tax laws.
 
EMPLOYEE STOCK OWNERSHIP PLAN.The Bank maintains an Employee Stock Ownership Plan (ESOP).On July 1, 2003, the ESOP purchased 670,089 shares of Jefferson Bancshares, Inc. from proceeds provided by the Company in the form of a loan.Thus, the ESOP is considered a leveraged plan.Employees are eligible for participation in the plan upon attaining 20 and one-half years of age and completing six consecutive calendar months during which they have performed at least 500 hours of service.Each plan year, the Bank may, in its discretion, make a contribution to the plan; however, at a minimum, the Bank has agreed to make as a contribution the amount necessary to service the debt incurred to acquire the stock.

Shares are scheduled for release as the loan is repaid.The present amortization schedule calls for 43,207 shares to be released each December 31.Dividends on unallocated shares are used to repay the loan while dividends paid on allocated shares become part of the plan’s assets.Accounting for the ESOP consists of recognizing compensation expense for the fair market value of the shares as of the date of release.Allocated shares are included in earnings per share calculations while unallocated shares are not included.

ESOP compensation expense was $158 and $109 for the years ended June 30, 2013 and 2012. The original number of shares committed was 670,089 and 43,207 were released during the years ended June 30, 2013 and 2012, respectively. The 259,239 remaining unearned shares had an approximate fair market value of $1,465 at June 30, 2013.

The Bank has also established a SERP to provide for supplemental retirement benefits with respect to the ESOP. The plan provides certain executives with benefits that cannot be provided under the ESOP as a result of the limitations imposed by the Internal Revenue Code, but that would have been provided under the ESOP but for such limitations. The Plan was amended in 2007 to change the first allocation period to December 31, 2007. Compensation expense under the SERP was $1 and $(2) for the years ended June 30, 2013 and 2012, respectively.

STOCK COMPENSATION PLANS. The Company maintains stock-based benefit plans under which certain employees and directors are eligible to receive restricted stock grants or options.Under the 2005 Stock-Based Benefit Plan, the maximum number of shares that may be granted as restricted stock is 279,500, and a maximum of 698,750 shares may be issued through the exercise of non-statutory 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.

Restricted stock grants aggregating 45,000 shares and having a fair value of $597 were awarded in 2006.Restrictions on the grants lapse in annual increments over five years.The market value as of the grant date of the restricted stock grants is charged to expense as the restrictions lapse. Compensation expense for grants vesting in 2013 and 2012 was $0 and $(27), respectively.

A summary of the status of the Company’s stock option plan is presented below:

   
2013
   
2012
 
         
Weighted-
         
Weighted-
 
         
average
         
average
 
   
Shares
   
exercise price
   
Shares
   
exercise price
 
                         
Outstanding at beginning of period
    340,638     $ 13.69       525,287     $ 12.69  
Granted during the 12 month period
    20,000     $ 1.97           $  
Options exercised
                           
Options forfeited
                  (184,649 )   $ 10.85  
Outstanding at end of year
    360,638     $ 13.04       340,638     $ 13.69  
Options exercisable at end of year
    340,638     $ 13.69       340,638     $ 13.69  
 
Information pertaining to options outstanding at June 30, 2013 is as follows:
 
   
Options Outstanding
   
Options Exercisable
 
         
Weighted
                   
         
Average
   
Weighted
             
         
Remaining
   
Average
         
Weighted
 
   
Number
   
Contractual
   
Exercise
   
Number
   
Average
 
Range of Exercise Prices
 
Outstanding
   
Life
   
Price
   
Exercisable
   
Exercise Price
 
1.01 - 2.00
    20,000       9.08     $ 1.97           $  
13.01 - 14.00
    340,638       0.58     $ 13.69       340,638     $ 13.69  
 
XML 101 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT, NET
12 Months Ended
Jun. 30, 2013
Premises And Equipment Net  
PREMISES AND EQUIPMENT, NET
NOTE 7 – PREMISES AND EQUIPMENT, NET

Premises and equipment, net are summarized as follows:
 
   
June 30,
 
   
2013
   
2012
 
Land
  $ 6,772     $ 6,772  
Office building
    22,117       21,982  
Furniture and equipment
    5,889       5,704  
      34,778       34,458  
Less:accumulated depreciation and amortization
    9,142       8,097  
    $ 25,636     $ 26,361  
 
Depreciation expense for the years ended June 30, 2013 and 2012 was $1,045 and $1,055, respectively.
 
Pursuant to the terms of non-cancelable lease agreements in effect at June 30, 2013, pertaining to real property, future minimum payments are as follows:
 
For the Year Ended
     
       
2014
  $ 9  
2015
     
         
    $ 9  
 
Lease expense for June 30, 2013 and 2012 was $19 and $49, respectively.

The Company has also entered into a service contract for data processing services.Future minimum payments under this agreement are as follows:
 
For the Year Ended
     
       
2014
  $ 1,088  
2015
    682  
2016
    12  
         
    $ 1,782  

Data processing service expense for June 30, 2013 and 2012 was $1,127 and $1,075, respectively.
XML 102 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details 2) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Interest on Deposits    
NOW $ 59 $ 77
Savings 207 485
MMA 119 311
Certificates 1,150 2,092
[us-gaap:InterestExpenseDomesticDepositLiabilities] 1,535 2,965
Total $ 1,535 $ 2,965
XML 103 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK
12 Months Ended
Jun. 30, 2013
Financial Instruments With Off-Balance Sheet Risk  
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK
NOTE 14 – FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business.These financial instruments generally include commitments to originate mortgage loans.Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on 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.
XML 104 R20.htm IDEA: XBRL DOCUMENT v2.4.0.8
MINIMUM REGULATORY CAPITAL REQUIREMENTS
12 Months Ended
Jun. 30, 2013
Minimum Regulatory Capital Requirements  
MINIMUM REGULATORY CAPITAL REQUIREMENTS
NOTE 12 – MINIMUM REGULATORY CAPITAL REQUIREMENTS

The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by federal and state banking agencies.Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements.Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices.The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and core and tangible capital (as defined) to tangible assets (as defined). Management believes as of June 30, 2013 and 2012, that the Bank met all capital adequacy requirements to which it was subject.
 
As of June 30, 2013, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables.There are no conditions or events since the notification that management believes have changed the Bank's category. The Company and Bank’s actual capital amounts and ratios as of June 30, 2013 and 2012 are also presented in the table.
 
                             
To Be Well
 
                             
Capitalized Under
 
               
For Capital
   
Prompt Corrective
 
   
Actual
   
Adequacy Purposes
   
Action Provisions
 
   
Amount
   
Ratio
   
Amount
     
Ratio
   
Amount
     
Ratio
 
   
(Dollars in thousands)
 
At June 30, 2013
                                       
Total Risk-Based Capital
                                       
(To Risk Weighted Assets)
                                       
 Consolidated
  $ 53,507       15.25 %   $ 28,078  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    49,773       14.18 %     28,075  
 
    8.0 %     35,093  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    49,104       13.99 %     14,039  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       12.93 %     14,037  
 
    4.0 %     21,056  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
 Consolidated
    49,104       9.97 %     19,697  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    45,361       9.21 %     19,695  
 
    4.0 %     24,619  
 
    5.0 %
                                                     
At June 30, 2012
                                                   
Total Risk-Based Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
  $ 50,937       14.63 %   $ 27,857  
 
    8.0 %  
NA
 
 Jefferson Federal Bank
    46,815       13.42 %     27,900  
 
    8.0 %     34,875  
 
    10.0 %
                                                     
Tier 1 Capital
                                                   
(To Risk Weighted Assets)
                                                   
 Consolidated
    46,566       13.37 %     13,929  
 
    4.0 %  
NA
 
 Jefferson Federal Bank
    42,437       12.17 %     13,950  
 
    4.0 %     20,925  
 
    6.0 %
                                                     
Tier 1 Capital
                                                   
(To Average Assets)
                                                   
Consolidated
    46,566       9.03 %     20,637  
 
    4.0 %  
NA
 
Jefferson Federal Bank
    42,437       8.23 %     20,634  
 
    4.0 %     25,792  
 
    5.0 %

The following table provides reconciliation between GAAP capital and the various categories of regulatory capital:
 
   
Bank
 
   
June 30,
 
   
2013
   
2012
 
             
GAAP Capital
  $ 57,053     $ 56,290  
Adjustments:
               
Deferred Taxes
    (10,652 )     (11,221 )
Unrealized gains
    111       (1,095 )
Disallowed intangibles
    (1,151 )     (1,537 )
                 
Core, Tangible and Tier 1 Capital
    45,361       42,437  
                 
Adjustments:
               
Allowance for losses
    4,412       4,378  
                 
Total Capital
  $ 49,773     $ 46,815  
 
XML 105 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information (USD $)
12 Months Ended
Jun. 30, 2013
Sep. 13, 2013
Dec. 30, 2012
Document And Entity Information      
Entity Registrant Name JEFFERSON BANCSHARES INC    
Entity Central Index Key 0001222915    
Document Type 10-K    
Document Period End Date Jun. 30, 2013    
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 Public Float     $ 16,333,688
Entity Public Float, closing price per share     $ 2.70
Entity Common Stock, Shares Outstanding   6,597,739  
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2013    
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QUARTERLY FINANCIAL INFORMATION (Details) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 12 Months Ended
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2013
Jun. 30, 2012
Quarterly Financial Information Details                    
Interest income $ 4,820 $ 4,781 $ 4,931 $ 4,969 $ 5,235 $ 5,302 $ 5,775 $ 6,120 $ 19,501 $ 22,432
Interest expense 744 751 789 846 939 1,073 1,203 1,355 3,130 4,570
Net interest income 4,076 4,030 4,142 4,123 4,296 4,229 4,572 4,765 16,371 17,862
Provision for loan losses   200 300 300 600 600 5,687 2,986 800 9,873
Net interest income after provision for loan losses 4,076 3,830 3,842 3,823 3,696 3,629 (1,115) 1,779 15,571 7,989
Noninterest income 494 582 581 456 491 508 578 603 2,113 2,180
Noninterest expense 3,806 3,873 3,961 3,906 3,806 3,772 5,095 4,020 15,546 16,693
Earnings before income taxes 764 539 462 373 381 365 (5,632) (1,638) 2,138 (6,524)
Income taxes 199 153 114 78 90 31 (1,965) (680) 544 (2,524)
Net earnings $ 565 $ 386 $ 348 $ 295 $ 291 $ 334 $ (3,667) $ (958) $ 1,594 $ (4,000)
Earnings per share, basic $ 0.09 $ 0.06 $ 0.05 $ 0.05 $ 0.05 $ 0.05 $ (0.59) $ (0.15) $ 0.25 $ (0.64)
Earnings per share, diluted $ 0.09 $ 0.06 $ 0.05 $ 0.05 $ 0.05 $ 0.05 $ (0.59) $ (0.15) $ 0.25 $ (0.64)
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RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES
12 Months Ended
Jun. 30, 2013
Restrictions On Dividends Loans And Advances  
RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES
NOTE 13 – RESTRICTIONS ON DIVIDENDS, LOANS AND ADVANCES

Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company.The total amount of dividends which may be paid at any date is generally limited to the retained earnings of the Bank, and loans or advances are limited to 10 percent of the Bank’s capital stock and surplus on a secured basis.

At June 30, 2013, the Bank’s retained earnings available for the payment of dividends was $0. Accordingly, $56,189 of the Company’s equity in the net assets of the Bank was restricted at June 30, 2013.Funds available for loans or advances by the Bank to the Company amounted to $5,705.

In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.
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PREMISES AND EQUIPMENT, NET (Details Narrative) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Premises And Equipment Net Details Narrative    
Depreciation expense $ 1,045 $ 1,055
Lease expense 19 49
Data processing service expense $ 1,127 $ 1,075
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LOANS RECEIVABLE, NET (Details 8) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Jun. 30, 2013
Loans to directors, executive officers and associates of such person:  
Balance, beginning $ 839
Additions 25
Repayments (2)
Balance, ending $ 862
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SUBORDINATED DEBT (Details Narrative) (USD $)
In Thousands, unless otherwise specified
0 Months Ended
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%