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Condensed Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Mar. 31, 2013
Mar. 31, 2012
Interest and Dividend Income        
Interest and fees on loans $ 3,140 $ 3,047 $ 9,188 $ 9,149
Securities:        
Taxable 1,221 1,417 3,816 4,225
Tax-exempt 28 28 88 91
Federal Home Loan Bank dividends 4 1 11 2
Deposits with other financial institutions 2 2 8 17
Total interest and dividend income 4,395 4,495 13,111 13,484
Interest Expense        
Deposits 546 698 1,682 2,264
Federal Home Loan Bank advances and repurchase agreements 209 223 659 676
Total interest expense 755 921 2,341 2,940
Net Interest Income 3,640 3,574 10,770 10,544
Provision for Loan Losses 45 393 552 727
Net Interest Income After Provision for Loan Losses 3,595 3,181 10,218 9,817
Noninterest Income        
Customer service fees 126 134 414 466
Other service charges and fees 60 62 207 175
Insurance commissions 200 178 572 569
Brokerage commissions 158 151 426 380
Net realized gains on sales of available-for- sale securities 61 95 629 385
Mortgage banking income, net 118 125 441 206
Bank-owned life insurance income, net 64 64 197 195
Other 144 150 509 418
Total noninterest income 931 959 3,395 2,794
Noninterest Expense        
Compensation and benefits 2,032 1,813 5,798 5,320
Office occupancy 131 120 395 352
Equipment 253 181 717 511
Federal deposit insurance 81 76 218 219
Stationary, printing and office 39 40 123 120
Advertising 84 82 240 250
Professional services 47 58 284 254
Supervisory examinations 35 30 105 129
Audit and accounting services 21 31 123 154
Organizational dues and subscriptions 12 13 45 45
Insurance bond premiums 24 30 87 80
Telephone and postage 71 55 215 173
(Gain) loss on foreclosed assets, net (1) (7) (22) (22)
Charitable contributions 5 3 9 3,604
Other 250 289 985 787
Total noninterest expense 3,084 2,814 9,322 11,976
Income Before Income Tax 1,442 1,326 4,291 635
Provision for Income Tax 518 478 1,525 138
Net Income $ 924 $ 848 $ 2,766 $ 497
Earnings Per Share:        
Basic and diluted $ 0.22 $ 0.19 $ 0.64 $ 0.11