LOANS (Details 2) (USD $)
In Thousands, unless otherwise specified |
12 Months Ended | 12 Months Ended | 12 Months Ended | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Jun. 30, 2012
|
Jun. 30, 2011
|
Jun. 30, 2012
One-to-four family
|
Jun. 30, 2011
One-to-four family
|
Jun. 30, 2011
Multi-family
|
Jun. 30, 2012
Multi-family
|
Jun. 30, 2012
Home equity
|
Jun. 30, 2011
Home equity
|
Jun. 30, 2010
Home equity
|
Jun. 30, 2011
Nonresidential
|
Jun. 30, 2012
Nonresidential
|
Jun. 30, 2012
Construction and land
|
Jun. 30, 2011
Construction and land
|
Jun. 30, 2012
Consumer loans
|
Jun. 30, 2011
Consumer loans
|
|
Change in allowance for loan losses during the period | |||||||||||||||
Beginning balance | $ 749 | $ 888 | $ 647 | $ 785 | $ 6 | $ 4 | $ 1 | $ 1 | $ 1 | $ 57 | $ 56 | $ 38 | $ 35 | $ 3 | $ 4 |
Provision | 270 | 135 | 271 | 130 | (2) | (1) | 3 | (1) | 5 | ||||||
Charge-offs | (162) | (274) | (145) | (268) | (17) | (6) | |||||||||
Ending balance | 857 | 749 | 773 | 647 | 4 | 4 | 1 | 1 | 1 | 56 | 56 | 21 | 38 | 2 | 3 |
Allowance for loan losses: | |||||||||||||||
Individually evaluated for impairment | 101 | 22 | 101 | 22 | |||||||||||
Collectively evaluated for impairment | 756 | 727 | 672 | 625 | 4 | 4 | 1 | 1 | 56 | 56 | 21 | 38 | 2 | 3 | |
Total ending allowance balance | 857 | 749 | 773 | 647 | 4 | 4 | 1 | 1 | 1 | 56 | 56 | 21 | 38 | 2 | 3 |
Loans: | |||||||||||||||
Loans individually evaluated for impairment | 2,483 | 2,008 | 2,483 | 2,008 | |||||||||||
Loans collectively evaluated for impairment | 249,746 | 265,331 | 231,642 | 247,056 | 269 | 264 | 395 | 466 | 9,399 | 9,226 | 7,232 | 7,156 | 987 | 985 | |
Total ending loans balance | $ 252,229 | $ 267,339 | $ 234,125 | $ 249,064 | $ 269 | $ 264 | $ 395 | $ 466 | $ 9,399 | $ 9,226 | $ 7,232 | $ 7,156 | $ 987 | $ 985 |