0001144204-18-059834.txt : 20181114 0001144204-18-059834.hdr.sgml : 20181114 20181114144628 ACCESSION NUMBER: 0001144204-18-059834 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 58 CONFORMED PERIOD OF REPORT: 20180930 FILED AS OF DATE: 20181114 DATE AS OF CHANGE: 20181114 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Community Savings Bancorp, Inc. CENTRAL INDEX KEY: 0001682593 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 000000000 STATE OF INCORPORATION: MD FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-55732 FILM NUMBER: 181182863 BUSINESS ADDRESS: STREET 1: 425 MAIN STREET CITY: CALDWELL STATE: OH ZIP: 43724 BUSINESS PHONE: (740) 732-5678 MAIL ADDRESS: STREET 1: 425 MAIN STREET CITY: CALDWELL STATE: OH ZIP: 43724 10-Q 1 tv506792_10q.htm FORM 10-Q

 

  

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

 

FORM 10-Q

 

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

 

For the quarterly period ended September 30, 2018  

 

OR

 

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

 

 For the transition period from ____________ to _______________

 

Commission File No. 000-55732

 

COMMUNITY SAVINGS BANCORP, INC.

 

(Exact name of registrant as specified in its charter)

 

Maryland   81-3840964
(State or other jurisdiction of   (I.R.S. Employer
incorporation or organization)   Identification Number)
     
425 Main Street    
Caldwell, Ohio   43724
(Address of principal   (Zip Code)
executive office)    

(740) 732-5678

(Registrant’s telephone number, including area code)

 

N/A

(Former name or former address, if changed since last report)

 

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 x       No ¨

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). x Yes     ¨    No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):

 

Large accelerated filer ¨    Accelerated filer ¨     Non-accelerated filer x    Smaller reporting company x

 

Emerging growth company x

 

If an emerging growth company, indicate by checkmark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ¨

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act.).

Yes ¨                No  x 

 

As of November 13, 2018, the latest practicable date, 441,290 shares of the registrant’s common stock, $0.01 par value, were issued and outstanding. 

 

 

 

 

 

Community Savings Bancorp, Inc.

 

Index to Quarterly Report on Form 10-Q

 

PART I – FINANCIAL INFORMATION 3
   
Item 1 Interim Financial Statements (Unaudited) 3
   
Consolidated Balance Sheets as of September 30, 2018 and June 30, 2018 3
   
Consolidated Statements of Operations for the Three Months Ended September 30, 2018 and 2017 4
   
Consolidated Statements of Comprehensive Loss  for the Three Months Ended September 30, 2018 and 2017 5
   
Consolidated Statements of Changes in Shareholders’ Equity for the  Three Months Ended September 30, 2018 and 2017 6
   
Consolidated Statements of Cash Flows for the Three Months Ended  September 30, 2018 and 2017 7
   
Notes to Consolidated Financial Statements 8
   
Item 2 Management’s Discussion and Analysis of Financial Condition  and Results of Operations 36
   
Item 3 Quantitative and Qualitative Disclosures About Market Risk 42
   
Item 4 Controls and Procedures 42
   
PART II – OTHER INFORMATION 43
   
Item 1  Legal Proceedings 43
   
Item 1A  Risk Factors 43
   
Item 2  Unregistered Sales of Equity Securities and Use of Proceeds 43
   
Item 3  Defaults Upon Senior Securities 43
   
Item 4  Mine Safety Disclosures 43
   
Item 5  Other Information 43
   
Item 6  Exhibits 44
   
SIGNATURES 45

 

 2 

 

 

Part I – Financial Information

Item 1. Interim Financial Statements (Unaudited)

Community Savings Bancorp, Inc.

Consolidated Balance Sheets

September 30, 2018 and June 30, 2018

(In thousands except share data)

 

   September 30,   June 30, 
   2018   2018 
    (Unaudited)      
Assets          
           
Cash and due from banks  $1,588   $2,222 
Interest-earning demand deposits in other financial institutions   711    2,082 
           
Cash and cash equivalents   2,299    4,304 
           
Interest-earning time deposits in other financial institutions   4,595    4,595 
Investment securities available-for-sale, at fair value   6,205    6,651 
Other investment securities   940    940 
Loans   34,116    31,888 
Less: allowance for loan losses   (253)   (253)
Loans, net   33,863    31,635 
Premises and equipment, net   414    422 
Foreclosed assets, net   9    9 
Accrued interest receivable   141    135 
Bank owned life insurance   775    769 
Other assets   487    508 
           
Total assets  $49,728   $49,968 
           
Liabilities and Shareholders' Equity          
           
Liabilities          
Deposits          
Demand  $10,218   $10,406 
Savings and money market   22,614    22,067 
Time   7,289    7,926 
           
Total deposits   40,121    40,399 
           
Federal Home Loan Bank advances   1,000    1,000 
Payments by borrowers for taxes and insurance   155    92 
Other liabilities   231    190 
           
Total liabilities   41,507    41,681 
           
Shareholders' Equity          
Preferred stock - par value $0.01 per share, 5,000,000 shares authorized, none issued   -    - 
Common stock - par value $0.01 per share, 50,000,000 shares authorized, 441,290 shares issued and outstanding as of June 30, 2018 and 2017, respectively   4    4 
Additional paid in capital   3,264    3,264 
Unearned employee stock ownership plan (ESOP) shares   (311)   (311)
Retained earnings   5,378    5,424 
Accumulated other comprehensive loss   (114)   (94)
           
Total shareholders' equity   8,221    8,287 
           
Total liabilities and shareholders' equity  $49,728   $49,968 

 

See Notes to Condensed Consolidated Financial Statements

 

 3 

 

 

Community Savings Bancorp, Inc.

Consolidated Statements of Operations

For the Three Months Ended September 30, 2018 and 2017

(In thousands except share data)

 

   Three Months Ended September 30, 
   2018   2017 
   (Unaudited) 
Interest Income          
Loans, including fees  $377   $346 
Taxable securities   25    31 
Tax exempt securities   10    10 
Interest-earning deposits   51    39 
           
Total interest income   463    426 
           
Interest Expense          
Deposits   30    32 
Federal Home Loan Bank advances   10    15 
           
Total interest expense   40    47 
           
Net Interest Income   423    379 
           
Provision for Loan Losses   -    - 
           
Net Interest Income After Provision for Loan Losses   423    379 
           
Noninterest Income          
Service charges and fees   81    65 
Increase in cash surrender value-bank owned life insurance   6    1 
Other income   4    - 
           
Total noninterest income   91    66 
           
Noninterest Expense          
Salaries, employee benefits, and directors fees   212    223 
Occupancy and equipment   34    25 
Data processing   81    86 
Correspondent bank service charges   55    54 
Franchise taxes   18    13 
FDIC insurance premiums   5    3 
Professional services   84    80 
Advertising   7    7 
Office supplies   22    25 
Other expense   52    39 
           
Total noninterest expense   570    555 
           
Loss Before Federal Income Tax Benefit   (55)   (110)
           
Federal Income Tax Benefit   (9)   (31)
           
Net loss  $(46)  $(79)
           
Loss per share - basic and diluted  $(0.11)  $(0.20)
           
Weighted-average shares outstanding - basic and diluted   410,236    408,602 

 

See Notes to Condensed Consolidated Financial Statements

 

 4 

 

 

Community Savings Bancorp, Inc.

Consolidated Statements of Comprehensive Loss

For the Three Months Ended September 30, 2018 and 2017

(In thousands)

 

   Three Months Ended September 30, 
   2018   2017 
   (Unaudited) 
         
Net loss  $(46)  $(79)
           
Other comprehensive loss:          
Unrealized holding losses on securities available for sale  $(25)   (10)
           
Tax effect   5    3 
           
Total other comprehensive loss   (20)   (7)
           
Comprehensive loss  $(66)  $(86)

 

See Notes to Condensed Consolidated Financial Statements

 

 5 

 

 

Community Savings Bancorp, Inc.

Consolidated Statements of Changes in Shareholders’ Equity

For the Three Months Ended September 30, 2018 and 2017

(In thousands)

 

Three Months Ended September 30, 2018               
                       Accumulated     
           Additional   Unearned       Other     
   Preferred   Common   Paid in   ESOP   Retained   Comprehensive     
   Stock   Stock   Capital   Shares   Earnings   Loss   Total 
                             
Balance at July 1, 2018  $-   $4   $3,264   $(311)  $5,424   $(94)  $8,287 
                                    
Net loss   -    -    -    -    (46)   -    (46)
                                    
Other comprehensive loss   -    -    -    -    -    (20)   (20)
                                    
Balance at September 30, 2018  $-   $4   $3,264   $(311)  $5,378   $(114)  $8,221 

 

Three Months Ended September 30, 2017               
                       Accumulated     
           Additional   Unearned       Other     
   Preferred   Common   Paid in   ESOP   Retained   Comprehensive     
   Stock   Stock   Capital   Shares   Earnings   Income (Loss)   Total 
               (Unaudited)             
                             
Balance at July 1, 2017  $-   $4   $3,258   $(327)  $6,433   $25   $9,393 
                                    
Net loss   -    -    -    -    (79)   -    (79)
                                    
Other comprehensive loss   -    -    -    -    -    (7)   (7)
                                    
Balance at September 30, 2017  $-   $4   $3,258   $(327)  $6,354   $18   $9,307 

 

See Notes to Condensed Consolidated Financial Statements

 

 6 

 

 

Community Savings Bancorp, Inc.

Consolidated Statements of Cash Flows

For the Three Months Ended September 30, 2018 and 2017

(In thousands)

 

   Three Months Ended September 30, 
   2018   2017 
         
Cash Flows from Operating Activities          
Net loss  $(46)  $(79)
Adjustments to reconcile net loss to net cash provided by operating activities:          
Depreciation and amortization   17    17 
Deferred income tax expense   (35)   (31)
Amortization of premiums and discounts on securities, net   21    35 
Net changes in:          
Accrued interest receivable   (6)   15 
Bank owned life insurance-cash surrender value   (6)   (1)
Other assets   60    57 
Other liabilities   43    69 
           
Net cash provided by operating activities   48    82 
           
Cash Flows from Investing Activities          
Net change in interest-earning time deposits in other financial institutions   -    (502)
Principal repayments of available for sale mortgage-backed securities   399    535 
Net change in loans   (2,228)   (505)
Purchase of premises and equipment   (9)   - 
Purchase of bank owned life insurance   -    (750)
           
Net cash used in investing activities   (1,838)   (1,222)
           
Cash Flows from Financing Activities          
Net change in deposits   (278)   (1,483)
Repayment of Federal Home Loan Bank advances   -    (3,500)
Payments by borrowers for taxes and insurance   63    68 
           
Net cash used in financing activities   (215)   (4,915)
           
Net Change in Cash and Cash Equivalents   (2,005)   (6,055)
           
Beginning Cash and Cash Equivalents   4,304    8,699 
           
Ending Cash and Cash Equivalents  $2,299   $2,644 
           
Supplemental Disclosure of Cash Flow Information          
Cash paid during the year for:          
 Interest on deposits and borrowings  $40   $47 

 

See Notes to Condensed Consolidated Financial Statements

 

 7 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Note 1:    Basis of Presentation

 

Community Savings Bancorp, Inc. (the “Company”), headquartered in Caldwell, Ohio, was formed to serve as the stock holding company for Community Savings (the “Bank”) following its mutual-to-stock conversion. The conversion was completed effective January 10, 2017.  The Company issued 441,290 shares at an offering price of $10.00 per share.

 

The Company’s consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire fiscal year.

 

The accompanying consolidated balance sheet as of June 30, 2018 has been derived from audited financial statements included in the Company’s Form 10-K. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been omitted. Accordingly, these consolidated financial statements should be read in conjunction with the audited financial statements and notes thereto of the Company as of and for the year ended June 30, 2018 included in the Company’s Form 10-K.

 

Principles of Consolidation

 

The consolidated financial statements as of and for the periods ended September 30, 2018 and at June 30, 2018, include Community Savings Bancorp, Inc. and its wholly-owned subsidiary, Community Savings (the “Bank”), together referred to as the “Company.” Intercompany transactions and balances have been eliminated in consolidation.

 

Use of Estimates

 

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, valuation of deferred tax assets, and fair values of financial instruments.

 

 8 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Note 2:   Securities

 

The amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities are as follows:

 

  

Amortized

Cost

  

Gross

Unrealized

Gains

  

Gross

Unrealized

Losses

  

Fair

Value

 
   (In thousands) 
Available-for-sale Securities:                    
September 30, 2018                    
Mortgage-backed securities of U.S. government sponsored entities - residential  $3,878   $4   $(105)  $3,777 
Collateralized mortgage obligations of government sponsored entities - residential   205    1    (6)   200 
State and political subdivisions                    
Taxable   812    1    (3)   810 
Nontaxable   1,454    -    (36)   1,418 
                     
   $6,349   $6   $(150)  $6,205 
                     
                     
June 30, 2018                    
Mortgage-backed securities of U.S. government sponsored entities - residential  $4,280   $6   $(94)  $4,192 
Collateralized mortgage obligations  of government sponsored entities - residential   218    1    (5)   214 
State and political subdivisions                    
Taxable   815    1    (3)   813 
Nontaxable   1,457    1    (26)   1,432 
                     
   $6,770   $9   $(128)  $6,651 

  

 9 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The amortized cost and fair value of available-for-sale securities at September 30, 2018, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.

 

   Amortized   Fair 
   Cost   Value 
   (In thousands) 
         
Within one year  $552   $552 
One to five years   -    - 
Five to ten years   289    286 
Beyond ten years   1,425    1,390 
           
    2,266    2,228 
Mortgage-backed securities of U.S.  government sponsored entities - residential   3,878    3,777 
Collateralized mortgage obligations  of government sponsored entities - residential   205    200 
           
Totals  $6,349   $6,205 

 

The Company had no sales of investment securities during the three-month periods ended September 30, 2018 and 2017.

 

The Company had pledged $1.6 million and $1.7 million of its investment securities at September 30, 2018 and June 30, 2018, respectively, and $635,000 of interest-earning time deposits at September 30, 2018 and June 30, 2018. The Company also had pledged $125,000 of interest-earning demand deposits at September 30, 2018 and June 30, 2018, primarily to secure public deposits.

 

The Company’s other investment securities consist of $915,000 of stock in the FHLB and $25,000 of stock in the Company’s data service provider at both September 30, 2018 and June 30, 2018.

 

 10 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table shows the Company’s investments’ gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2018 and June 30, 2018:

 

   Less than 12 Months   12 Months or Longer   Total 
Description of Securities 

Fair

Value

  

Unrealized

Losses

  

Fair

Value

  

Unrealized

Losses

  

Fair

Value

  

Unrealized

Losses

 
   (In thousands) 
September 30, 2018                        
Available-for-sale Securities:                              
Mortgage-backed securities of U.S. government sponsored entities - residential  $1,139   $(14)  $2,235   $(91)  $3,374   $(105)
Collateralized mortgage obligations of government sponsored entities - residential   -    -    115    (6)   115    (6)
State and political subdivisions                              
Taxable   -    -    507    (3)   507    (3)
Nontaxable   861    (7)   357    (29)   1,218    (36)
                               
   $2,000   $(21)  $3,214   $(129)  $5,214   $(150)

 

June 30, 2018                        
Available-for-sale Securities:                              
Mortgage-backed securities of U.S. government sponsored entities - residential  $1,777   $(31)  $1,568   $(63)  $3,345   $(94)
Collateralized mortgage obligations of government sponsored entities - residential   121    (5)   -    -    121    (5)
State and political subdivisions                              
Taxable   -    -    510    (3)   510    (3)
Nontaxable   531    (3)   363    (23)   894    (26)
                               
   $2,429   $(39)  $2,441   $(89)  $4,870   $(128)

 

Other-than-temporary Impairment

 

At September 30, 2018 and June 30, 2018, the decline in fair value of the Company’s investment securities is attributable to changes in interest rates and not credit quality. At September 30, 2018 there were a total of twenty-six securities in a loss position. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before recovery of their amortized cost bases, the Company does not consider these securities to be other-than-temporarily impaired at September 30, 2018 and June 30, 2018.

 

 11 

 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Note 3:Loans and Allowance for Loan Losses

 

Loans at September 30, 2018 and June 30, 2018 include:

 

   September 30,   June 30, 
   2018   2018 
   (In thousands) 
Real estate          
One- to four-family residential  $24,811   $25,127 
Home equity lines of credit   1,919    1,979 
Commercial and multi-family   1,903    1,927 
Consumer and other   5,483    2,855 
           
Total loans   34,116    31,888 
           
Allowance for loan losses   (253)   (253)
           
Net loans  $33,863   $31,635 

 

The premium on loans purchased is included in the loan balances of consumer and other. The amounts of the premiums were $73,000 and $81,000 at September 30, 2018 and June 30, 2018, respectively.

 

The risk characteristics applicable to each segment of the loan portfolio are described below:

 

Residential Real Estate and Home Equity Lines of Credit

 

Residential mortgage loans and home equity lines of credit are secured by one-to four-family residences and are comprised of owner-occupied and non-owner-occupied loans. Construction real estate loans (immaterial for the periods presented) are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. The Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values or residential properties. Risk is mitigated by the fact that loans are of smaller individual amounts and spread over a large number of borrowers.

 

 12 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Multi-family Residential Real Estate

 

Multi-family real estate loans generally involve a greater degree of credit risk than one-to four- family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family real estate is typically dependent upon the successful operation of the related real estate property. If the cash flow from the project is reduced, the borrower’s ability to repay the loan may be impaired.

 

Commercial Real Estate

 

Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing the Company’s real estate portfolio are diverse, but with geographic location almost entirely in the Company’s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography, and risk grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk.

 

Consumer Loans

 

Consumer loans entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured or secured by assets that depreciate rapidly, such as automobiles. 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 particular, amounts realizable on the sale of repossessed automobiles may be significantly reduced based upon the condition of the automobiles and the lack of demand for used automobiles.

 

 13 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents, by portfolio segment, the activity in the allowance for loan losses for the three months ended September 30, 2018 and the recorded investment in loans and impairment method as of September 30, 2018:

 

   September 30, 2018 
   Real Estate             
  

1-4 Family

Residential

  

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

  

Consumer

and Other

   Unallocated   Total 
   (In thousands) 
                         
Allowance for loan losses:                              
Balance, July 1, 2018  $171   $13   $10   $23   $36   $253 
Provision for loan losses   (13)   -    -    24    (11)   - 
Charge-offs   -    -    -    -    -    - 
Recoveries   -    -    -    -    -    - 
                               
Balance, September 30, 2018  $158   $13   $10   $47   $25   $253 
                               
Allowance for loan losses:                              
Ending balance, individually evaluated for impairment  $7   $-   $-   $-   $-   $7 
                               
Ending balance, collectively evaluated for impairment  $151   $13   $10   $47   $25   $246 
                               
Loans:                              
Ending balance  $24,811   $1,919   $1,903   $5,483        $34,116 
                               
Ending balance; individually evaluated for impairment  $406   $5   $85   $-        $496 
                               
Ending balance; collectively evaluated for impairment  $24,405   $1,914   $1,818   $5,483        $33,620 

 

 14 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents, by portfolio segment, the activity in the allowance for loan losses for the three months ended September 30, 2017:

 

   September 30, 2017 
   Real Estate             
  

1-4 Family

Residential

  

Home Equity

Lines of Credit

  

Commercial

and Multi-

Family

  

Consumer

and Other

   Unallocated   Total 
   (In thousands) 
Three Months Ended September 30, 2017                        
Allowance for loan losses:                              
Balance, July 1, 2017  $162   $21   $8   $20    42   $253 
Provision for loan losses   10    (6)   1    -    (5)   - 
Charge-offs   -    -    -    -    -    - 
Recoveries   -    -    -    -    -    - 
                               
Balance, September 30, 2017  $172   $15   $9   $20   $37   $253 

 

 15 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents, by portfolio segment, the allowance for loan losses, the recorded investment in loans and impairment method as of June 30, 2018:

 

   June 30, 2018 
   Real Estate             
  

1-4 Family

Residential

  

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

  

Consumer

and Other

   Unallocated   Total 
   (In thousands) 
                         
Allowance for loan losses:                              
Ending balance, individually evaluated for impairment  $7   $-   $-   $-   $-   $7 
                               
Ending balance, collectively evaluated for impairment  $164   $13   $10   $23   $36   $246 
                               
Loans:                              
Ending balance  $25,127   $1,979   $1,927   $2,855        $31,888 
                               
Ending balance; individually evaluated for impairment  $366   $5   $87   $-        $458 
                               
Ending balance; collectively evaluated for impairment  $24,761   $1,974   $1,840   $2,855        $31,430 

 

 16 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Internal Risk Categories

 

The Company has adopted a standard loan grading system for all loans. Loans are selected for a grading review based on certain characteristics, including credit concentrations, subprime criteria, and delinquency of 90 days or more. Definitions are as follows:

 

Pass: These are higher quality loans that do not fit any of the other categories described below.

 

Special Mention: The loans identified as special mention have an obvious flaw or a potential weakness that deserves special management attention, but which has not yet impacted collectability. These flaws or weaknesses, if left uncorrected, may result in the deterioration of the prospects of repayment or the deterioration of the Company’s credit position.

 

Substandard: These are loans with a well-defined weakness, where the Company has a serious concern about the borrower’s ability to make full repayment if the weaknesses are not corrected. The loan may contain a flaw, which could impact the borrower’s ability to repay, or the borrower’s continuance as a “going concern.” When collateral values are not sufficient to secure the loan and other weaknesses are present, the loan may be rated substandard. A loan will also be rated substandard when full repayment is expected, but it must come from the liquidation of collateral.

 

One-to-four family residential real estate loans and home equity loans that are past due 90 days or more with loan to value ratios greater than 60 percent are classified as substandard.

 

Doubtful: These are loans with major defined weaknesses, where future charge-off of a part of the credit is highly likely. The primary repayment source is no longer viable and the viability of the secondary source of repayment is in doubt. The amount of loss is uncertain due to circumstances within the credit that are not yet fully developed and the loan is rated “Doubtful” until the loss can be accurately estimated.

 

Loss: These are near term charge-offs. Loans classified as loss are considered uncollectible and of such little value that it is not desirable to continue carrying them as assets on the Company’s financial statements, even though partial recovery may be possible at some future time.

 

 17 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following tables present the credit risk profile of the Company’s loan portfolio based on internal rating category and payment activity as of September 30, 2018 and June 30, 2018:

 

   Real Estate         
  

1-4 Family

Residential

  

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

  

Consumer

and Other

   Total 
   (In thousands) 
September 30, 2018    
Pass  $24,105   $1,868   $1,818   $5,483   $33,274 
Special mention   -    -    -    -    - 
Substandard   706    51    85    -    842 
Doubtful   -    -    -    -    - 
                          
Total  $24,811   $1,919   $1,903   $5,483   $34,116 
                          
June 30, 2018                         
Pass  $24,507   $1,941   $1,840   $2,855   $31,143 
Special mention   -    -    -    -    - 
Substandard   620    38    87    -    745 
Doubtful   -    -    -    -    - 
                          
Total  $25,127   $1,979   $1,927   $2,855   $31,888 

 

The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the past year.

 

 18 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following tables present the Company’s loan portfolio aging analysis of the recorded investment in loans as of September 30, 2018 and June 30, 2018:

 

       Total Loans 
           90 Days and               90 Days and 
   30-59 Days   60-89 Days   Greater   Total       Total Loans   Greater and 
   Past Due   Past Due   Past Due   Past Due   Current   Receivable   Accruing 
   (In thousands)     
September 30, 2018        
Real estate                                   
1-4 family residential  $447   $59   $176   $682   $24,129   $24,811   $- 
Home equity lines of credit   4    8    -    12    1,907    1,919    - 
Commercial and multi-family   72    -    13    85    1,818    1,903    - 
Consumer and other   27    -    -    27    5,456    5,483    - 
                                    
Total  $550   $67   $189   $806   $33,310   $34,116   $- 
                                    
                                    
June 30, 2018                                   
Real estate                                   
1-4 family residential  $271   $3   $65   $339   $24,788   $25,127   $- 
Home equity lines of credit   -    4    -    4    1,975    1,979    - 
Commercial and multi-family   74    -    13    87    1,840    1,927    - 
Consumer and other   12    34    -    46    2,809    2,855    - 
                                    
Total  $357   $41   $78   $476   $31,412   $31,888   $- 

 

A loan is considered impaired when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans, but also include loans modified in troubled debt restructurings.

 

 19 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents impaired loan information as of and for the three months ended September 30, 2018:

 

               For the Three Months Ended 
   As of September 30, 2018   September 30, 2018 
  

Recorded

Investment

  

Unpaid

Principal

Balance

  

Allowance

for Loan

Losses

Allocated

  

Average

Recorded

Investment

  

Interest

Income

Recognized

 
   (In thousands) 
Loans with no related allowance recorded:                         
Real estate                         
1-4 family residential  $339   $339   $-   $328   $- 
Home equity lines of credit   5    5    -    5    - 
Commercial and multi-family   85    85    -    85    - 
Consumer and other   -    -    -    -    - 
                          
Loans with an allowance recorded:                         
Real estate                         
1-4 family residential   68    71    7    71    1 
Home equity lines of credit   -    -    -    -    - 
Commercial and multi-family   -    -    -    -    - 
Consumer and other   -    -    -    -    - 
                          
Totals  $497   $500   $7   $489   $1 

 

 20 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents impaired loan information as of June 30, 2018 and for the three months ended September 30, 2017:

 

               For the Three Months Ended 
   As of June 30, 2018   September 30, 2017 
  

Recorded

Investment

  

Unpaid

Principal

Balance

  

Allowance

for Loan

Losses

Allocated

  

Average

Recorded

Investment

  

Interest

Income

Recognized

 
   (In thousands) 
Loans with no related allowance recorded:                         
Real estate                         
1-4 family residential  $305   $305   $-   $307   $- 
Home equity lines of credit   5    5    -    16    - 
Commercial and multi-family   87    87    -    92    - 
Consumer and other   -    -    -    4    - 
                          
Loans with an allowance recorded:                         
Real estate                         
1-4 family residential   69    71    7    90    1 
Home equity lines of credit   -    -    -    -    - 
Commercial and multi-family   -    -    -    -    - 
Consumer and other   -    -    -    -    - 
                          
Totals  $466   $468   $7   $509   $1 

 

The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for partial charge-offs.  Interest income recognized on a cash basis was not materially different than interest income recognized. 

 

 21 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The following table presents the Company’s nonaccrual loans at September 30, 2018 and June 30, 2018. The table excludes performing troubled debt restructurings.

 

   September 30,   June 30, 
   2018   2018 
   (In thousands) 
Real estate          
1-4 family residential  $339   $305 
Home equity lines of credit   5    5 
Commercial and multi-family   85    87 
Consumer and other   -    - 
           
Total nonaccrual  $429   $397 

 

At September 30, 2018 and June 30, 2018, the Company had certain loans that were modified in previous years in troubled debt restructurings and impaired. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate, or a permanent reduction of the recorded investment in the loan. The Company had loans modified, in previous years, in a troubled debt restructuring totaling $68,000 and $69,000 at September 30, 2018 and June 30, 2018, respectively. Troubled debt restructured loans had specific allowances totaling $7,000 at September 30, 2018 and June 30, 2018, respectively. At September 30, 2018, the Company had no commitments to lend additional funds to borrowers with troubled debt restructured loans.

 

No loans were modified as troubled debt restructurings during either the three months ended September 30, 2018 or 2017.

 

The Company had no troubled debt restructurings modified during the twelve months ended September 30, 2018 or 2017 that subsequently defaulted during the three-month periods ended September 30, 2018 or 2017. A troubled debt restructured loan is considered to be in payment default once it is 30 days contractually past due under the loan’s modified terms.

 

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

 

 22 

 

  

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Note 4:Regulatory Matters

 

The Bank is subject to various regulatory capital requirements administered by the federal 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’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Furthermore, the Bank’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

 

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier I capital, and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of leverage capital to adjusted average total assets (as defined).

 

Management believes, as of September 30, 2018 and June 30, 2018, that the Bank meets all capital adequacy requirements to which it is subject.

 

Basel III requires the Bank to maintain minimum amounts and ratios of common equity Tier 1 capital to risk-weighted assets, as defined in the regulation. Under the Basel III rules, in order to avoid limitations on capital distributions, including dividends, the Bank must hold a capital conservation buffer above the adequately capitalized common equity Tier 1 capital to risk-weighted assets ratio. The capital conservation buffer is being phased in from zero percent to 2.50 percent by 2019. Under Basel III, the Bank elected to opt-out of including accumulated other comprehensive income in regulatory capital.

 

As of September 30, 2018 and June 30, 2018, the most recent notification categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total capital, Tier I capital, common equity Tier I capital and leverage capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

 

 23 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table:

 

   Actual  

For Capital Adequacy

Purposes

  

To Be Well Capitalized

Under Prompt

Corrective Action

Provisions

 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
As of September 30, 2018                        
Total Capital
(to Risk-Weighted Assets)
                              
Company  $8,581    36.8%  $1,868    8.0%           N/A          N/A  
Bank  $7,844    33.6%  $1,868    8.0%  $2,335    10.0%
                               
Tier I Capital
(to Risk-Weighted Assets)
                              
Company  $8,328    35.7%  $1,401    6.0%           N/A          N/A  
Bank  $7,591    32.5%  $1,401    6.0%  $1,868    8.0%
                               
Common Equity Tier I Capital
(to Risk-Weighted Assets)
                              
Company  $8,328    35.7%  $1,052    4.5%           N/A          N/A  
Bank  $7,591    32.5%  $1,052    4.5%  $1,517    6.5%
                               
Leverage Capital
(to Adjusted Average Total Assets)
                              
Company  $8,328    16.3%  $2,047    4.0%           N/A          N/A  
Bank  $7,591    14.8%  $2,047    4.0%  $2,559    5.0%
                               
As of June 30, 2018                              
Total Capital
(to Risk-Weighted Assets)
                              
Company  $8,634    37.0%  $1,868    8.0%           N/A          N/A  
Bank  $7,849    33.6%  $1,868    8.0%  $2,335    10.0%
                               
Tier I Capital
(to Risk-Weighted Assets)
                              
Company  $8,381    35.9%  $1,401    6.0%           N/A          N/A  
Bank  $7,596    32.5%  $1,401    6.0%  $1,868    8.0%
                               
Common Equity Tier I Capital
(to Risk-Weighted Assets)
                              
Company  $8,381    35.9%  $1,051    4.5%           N/A          N/A  
Bank  $7,596    32.5%  $1,051    4.5%  $1,517    6.5%
                               
Leverage Capital
(to Adjusted Average Total Assets)
                              
Company  $8,381    16.4%  $2,047    4.0%           N/A          N/A  
Bank  $7,596    14.8%  $2,047    4.0%  $2,559    5.0%

 

 24 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Note 5:Disclosures about Fair Value of Assets and Liabilities

 

Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:

 

Level 1Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
  
Level 2Significant other 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.
  
Level 3Significant unobservable inputs that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

 25 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Recurring Measurements

 

The following table presents the fair value measurement of assets recognized in the accompanying condensed consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and June 30, 2018:

 

       Fair Value Measurement Using 
   Fair
Value
   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
   Significant Other
Observable Inputs
(Level 2)
   Significant
Unobservable
Inputs
(Level 3)
 
   (In thousands) 
September 30, 2018                
Mortgage-backed securities of U.S. government sponsored entities - residential  $3,777   $-   $3,777   $- 
Collateralized mortgage obligations of government sponsored entities - residential   200    -    200    - 
State and political subdivisions                    
Taxable   810    -    810    - 
Nontaxable   1,418    -    1,418    - 
                     
   $6,205   $-   $6,205   $- 
                     
June 30, 2018                    
Mortgage-backed securities of U.S. government sponsored entities - residential  $4,192   $-   $4,192   $- 
Collateralized mortgage obligations of government sponsored entities - residential   214    -    214    - 
State and political subdivisions                    
Taxable   813    -    813    - 
Nontaxable   1,432    -    1,432    - 
                     
   $6,651   $-   $6,651   $- 

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There were no assets classified within Level 3 of the fair value hierarchy measured on a recurring basis. There were no transfers between Level 1 and Level 2 during the three-month periods ended September 30, 2018 and 2017.

 

 26 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Available-for-sale Securities

 

Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flow. Such securities are classified within Level 2 of the valuation hierarchy.

 

Nonrecurring Measurements

 

The following table presents fair value measurements of assets measured at fair value on a non-recurring basis and the level within the fair value hierarchy in which fair value measurements fall at September 30, 2018 and June 30, 2018:

 

       Fair Value Measurement Using 
   Fair
Value
   Quoted Prices in
Active Markets
for Identical
Assets
(Level 1)
   Significant
Other
Observable
Inputs
(Level 2)
   Significant
Unobservable
Inputs
(Level 3)
 
   (In thousands) 
September 30, 2018                
Impaired loans                    
Real estate                    
1-4 family residential  $61   $-   $-   $61 
Forclosed assets                    
Residential real estate  $9   $-   $-   $9 
                     
June 30, 2018                    
Impaired loans                    
Real estate                    
1-4 family residential  $62   $-   $-   $62 
Foreclosed assets                    
Residential real estate  $9   $-   $-   $9 

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

 

 27 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Impaired Loans (Collateral Dependent)

 

The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the borrower and borrower’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Foreclosed Assets

 

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. The assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Appraisals for collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.

 

 28 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Unobservable (Level 3) Inputs

 

The following table presents quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements:

 

   Fair Value   Valuation Technique  Unobservable Inputs  Range
(Weighted
Average)
 
   (In thousands)           
September 30, 2018                
                 
Impaired loans (collateral dependent) - residential real estate  $61   Sales comparison approach  Adjustment for differences between the comparable real estate sales   13%
                 
Foreclosed assets - residential real estate  $9   Sales comparison approach  Adjustment for differences between the comparable real estate sales   52%
                 
June 30, 2018                
                 
Impaired loans (collateral dependent) - residential real estate  $62   Sales comparison approach  Adjustment for differences between the comparable real estate sales   13%
                 
Foreclosed assets - residential real estate  $9   Sales comparison approach  Adjustment for differences between the comparable real estate sales   52%

 

 29 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Fair Value of Financial Instruments

 

The following table presents the carrying amount and estimated fair values of the Company’s financial instruments not carried at fair value and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and June 30, 2018.

 

       Fair Value Measurement Using 
   Carrying
Amount
   Quoted Prices in
Active Markets for
Identical
Assets/Liabilities
(Level 1)
   Significant Other
Observable Inputs
(Level 2)
   Significant
Unobservable
Inputs
(Level 3)
   Total 
   (In thousands) 
September 30, 2018                         
Financial assets                         
Cash and cash equivalents  $2,299   $2,299   $-   $-   $2,299 
Interest-earning time deposits   4,595    4,595    -    -    4,595 
Other investment securities   940    -    -    940    940 
Loans, net   33,863    -    -    34,083    34,083 
Accrued interest receivable   141    -    141    -    141 
Bank owned life insurance   775    -    775    -    775 
Financial liabilities                         
Deposits   40,121    32,831    7,056    -    39,887 
Federal Home Loan Bank advances   1,000    -    1,004    -    1,004 
Payments by borrowers for taxes and insurance   155    -    155    -    155 
                          
June 30, 2018                         
Financial assets                         
Cash and cash equivalents  $4,304   $4,304   $-   $-   $4,304 
Interest-earning time deposits   4,595    4,595    -    -    4,595 
Other investment securities   940    -    -    940    940 
Loans, net   31,635    -    -    32,195    32,195 
Accrued interest receivable   135    -    135    -    135 
Bank owned life insurance   769    -    769    -    769 
Financial liabilities                         
Deposits   40,399    32,473    7,682    -    40,155 
Federal Home Loan Bank advances   1,000    -    1,008    -    1,008 
Payments by borrowers for taxes and insurance   92    -    92    -    92 

 

The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying condensed consolidated balance sheets at amounts other than fair value.

 

 30 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Cash and Cash Equivalents and Interest-earning Time Deposits

 

The carrying amount of cash, short-term instruments and time deposits approximate fair value and are classified as Level 1.

 

Other Investment Securities

 

Due to restrictions placed on their transferability, the FHLB and COCC stock are carried at cost, which approximates fair value based on redemption provisions resulting in a Level 3 classification.

 

Loans

 

Fair values of loans are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values, resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality, resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value of collateral as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

 

Accrued Interest Receivable and Payable

 

The carrying amounts of accrued interest approximate fair value, resulting in a Level 2 classification.

 

Bank Owned Life Insurance

 

The fair value of bank owned life insurance approximates the cash surrender value of the policies, resulting in a level 2 classification.

 

Deposits

 

The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits, resulting in a Level 2 classification.

 

Federal Home Loan Bank Advances

 

The fair values of FHLB advances are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements, resulting in a Level 2 classification.

 

 31 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Payments by Borrowers for Taxes and Insurance

 

The fair value of escrow accounts is estimated to approximate the carrying amount resulting in a Level 2 classification.

 

Off-Balance Sheet Instruments

 

Fair values of off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material.

 

Note 6:Accumulated Other Comprehensive Loss

 

Changes in accumulated other comprehensive loss by component, net of tax, for the three months ended September 30, 2018 and 2017 are as follows:

 

   Three Months Ended September 30, 
   2018   2017 
   (In thousands) 
Beginning balance  $(94)  $25 
           
Other comprehensive loss before tax effect   (25)   (10)
           
Tax effect   5    3 
           
Net current period other comprehensive loss   (20)   (7)
           
Ending balance  $(114)  $18 

 

There were no material items reclassified from accumulated other comprehensive income (loss) to the consolidated statement of operations for the three months ended September 30, 2018 and 2017.

 

Note 7:Recent Accounting Pronouncements

 

FASB ASU 2014-09, Revenue from Contracts with Customers. In May 2014, the Financial Accounting Standards Board (“FASB”) issued amended guidance on revenue recognition from contracts with customers. The standard outlines a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers and supersedes most contract revenue recognition guidance, including industry-specific guidance. The core principle of the amended guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amended guidance is effective, as to the Company, for annual reporting periods beginning after December 15, 2018, and interim periods within annual reporting periods beginning after December 15, 2019, and should be applied either retrospectively to each prior reporting period presented or retrospectively with the cumulative effect of initially applying the amendments recognized at the date of initial application. Early adoption is prohibited. ASU 2014-09 may require the Company to change how it recognizes certain components of noninterest income, but the Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

 32 

 

  

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

FASB ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. In January 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. For public business entities, the amendments in this update include the elimination of the requirement to disclose the method(s) and significant assumptions used to estimate fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet, the requirement to use the exit price notion when measuring fair value of financial instruments for disclosure purposes, the requirement to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments, the requirement for separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or accompanying notes to the financial statements, and the amendments clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.

 

The amendments in this update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption of the amendments in this update is not permitted, except that early application by public business entities to financial statements of fiscal years or interim periods that have not yet been issued or, by all other entities, that have not yet been made available for issuance are permitted as of the beginning of the fiscal year of adoption for the following amendment: An entity should present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk if the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. An entity should apply the amendments to this update by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

FASB ASU 2016-02, Leases. In February 2016, the FASB issued ASU 2016-02, Leases. Under the new guidance, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date:

 

A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and

 

A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term.

 

 33 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

 

Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers.

 

The new lease guidance simplified the accounting for sale and leaseback transactions primarily because lessees must recognize lease assets and lease liabilities. Lessees will no longer be provided with a source of off-balance sheet financing.

 

The amendments in ASU 2016-02 are effective, as to the Company, for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. Management is currently evaluating the impact of adopting this guidance on the Company’s financial statements.

 

FASB ASU 2016-13, Financial Instruments-Credit Losses. In June 2016, the FASB issued ASU 2016-13. The amendments in this ASU replace the incurred loss model for recognition of credit losses with a methodology that reflects expected credit losses over the life of the loan and requires consideration of a broader range of reasonable and supportable information to calculate credit loss estimates. The amendments are effective, as to the Company, for annual reporting periods beginning after December 15, 2020 and for interim periods beginning after December 31, 2021. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations.

 

FASB ASU 2017-08, Receivables-Nonrefundable Fees and Other Costs. In March 2017, the FASB issued ASU 2017-08. The amendment shortens the amortization period for certain callable debt securities purchased at a premium. Upon adoption of the standard, premiums on these qualifying callable debt securities will be amortized to the earliest call date. Discounts on purchased debt securities will continue to be accreted to maturity. This ASU will become effective for the Company for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. Upon transition, entities should apply the guidance on a modified retrospective basis, with a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption and provide the disclosures required for a change in accounting principle. Management has not determined the expected effect of the adoption of ASU 2017-08 on the Company’s financial statements.

 

FASB ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value. In August, 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement," which changes the fair value measurement disclosure requirements of ASC 820. The ASU amends ASC 820 to add, remove, and modify certain fair value measurement disclosure requirements, primarily related to Level 3 fair value measurements. The ASU is effective for all entities for fiscal years beginning after December 15, 2019, including interim periods therein. Early adoption is permitted for any eliminated or modified disclosures upon issuance of this ASU. Management is evaluating the new ASU, but does not expect the ASU to have a material effect on the Company's financial position or results of operations.

 

 34 

 

 

Community Savings Bancorp, Inc.

Notes to Consolidated Financial Statements (unaudited)

Note 8:Loss Per Share

 

Basic loss per share (“LPS”) is calculated by dividing net loss applicable to common stock by the weighted-average number of shares of common stock outstanding during the period. Unallocated common shares held by the Company’s Employee Stock Ownership Plan (the “ESOP”) are shown as a reduction in stockholders’ equity and are excluded from weighted-average common shares outstanding for basic and diluted LPS calculations until they are committed to be released.

 

Loss per share for the three months ended September 30, 2018 was $(0.11), calculated using 441,290 shares issued, less 31,054 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2018. Loss per share for the three months ended September 30, 2017 was $(0.20), calculated using 441,290 shares issued, less 32,688 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2017.

 

Note 9:Employee Stock Ownership Plan (ESOP)

 

As part of the Company’s stock conversion, shares were purchased by the ESOP with a loan from Community Savings Bancorp, Inc. All employees of the Bank meeting certain tenure requirements are entitled to participate in the ESOP. Compensation expense related to the ESOP was $6,000 for the three months ended September 30, 2018 and 2017.

 

The stock price at the formation date was $10.00. The aggregate fair value of the 31,054 unallocated shares was $450,000 based on the $14.50 closing price of our common stock on September 30, 2018.

 

 35 

 

 

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS

 

Management’s discussion and analysis of the financial condition at September 30, 2018 and results of operations for the three months ended September 30, 2018 and 2017, is intended to assist in understanding the financial condition and results of operations of the Company. The information contained in this section should be read in conjunction with the unaudited consolidated financial statements and the notes thereto, appearing in Part I, Item 1 of this quarterly report on Form 10-Q.

 

Forward-Looking Statements

 

This document contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and similar expressions. These forward-looking statements include: statements of goals, intentions and expectations, statements regarding prospects and business strategy, statements regarding asset quality and market risk, and estimates of future costs, benefits and results.

 

These forward-looking statements are subject to significant risks, assumptions and uncertainties, including, among other things, the following: (1) general economic conditions, (2) competitive pressure among financial services companies, (3) changes in interest rates, (4) deposit flows, (5) loan demand, (6) changes in legislation or regulation, (7) changes in accounting principles, policies and guidelines and (8) other economic, competitive, governmental, regulatory and technological factors affecting our operations, pricing, products and services.

 

Because of these and other uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. We have no obligation to update or revise any forward-looking statements to reflect any changed assumptions, any unanticipated events or any changes in the future.

 

Comparison of Financial Condition at September 30, 2018 and June 30, 2018

 

Total Assets. Total assets decreased $240,000, or 0.5%, to $49.7 million at September 30, 2018 from $50.0 million at June 30, 2018. The decrease was due primarily to a decrease in cash and cash equivalents of $2.0 million, and a decrease of $445,000 in investment securities available-for-sale, partially offset by a $2.2 million increase in loans.

 

Cash and Cash Equivalents. Cash and cash equivalents decreased $2.0 million, or 46.5%, to $2.3 million at September 30, 2018. The decrease in cash and cash equivalents was due primarily to an increase in consumer loans of $2.2 million and $278,000 decrease in deposits, partially offset by a $445,000 decrease in investments available-for-sale securities.

 

Interest-earning Time Deposits in Other Financial Institutions. Interest-earning time deposits in other financial institutions were $4.6 million at September 30, 2018 and June 30, 2018, respectively.

 

Securities available-for-sale. Investment securities available-for-sale decreased $445,000, or 6.7%, to $6.2 million at September 30, 2018 from $6.7 million at June 30, 2018. The decrease in securities available-for-sale was primarily due to principal repayments on mortgage-backed securities totaling $399,000.

 

 36 

 

 

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL

CONDITION AND RESULTS OF OPERATIONS

 

Net Loans. Net loans increased $2.2 million, or 6.9%, to $33.9 million at September 30, 2018 from $31.6 million at June 30, 2018. The increase in net loans was due primarily to an increase of $2.6 million, or 92.0%, in consumer loans to $5.5 million at September 30, 2018 from $2.9 million at June 30, 2018, partially offset by a decrease of $316,000, or 1.3%, in one-to four-family mortgages to $24.8 million at September 30, 2018 from $25.1 million at June 30, 2018. Loans originated during the three months ended September 30, 2018 totaled $3.5 million, of which $2.9 million were auto loans and $608,000 were loans secured by one-to four-family residential real estate.

 

Deposits. Deposits decreased $278,000, or 0.7%, to $40.1 million at September 30, 2018 from $40.4 million at June 30, 2018. The decrease resulted primarily from a decrease in certificate of deposit accounts of $637,000, or 8.0%, and in demand deposit accounts of $188,000, or 1.8%, partially offset by an increase in savings and money market accounts of $546,000, or 2.5%.

 

Bank Owned Life Insurance. Cash surrender value of Bank Owned Life Insurance increased $6,000, or 0.8%, to $775,000 at September 30, 2018 from $769,000 at June 30, 2018.

 

FHLB Advances. FHLB advances were $1.0 million at September 30, 2018 and June 30, 2018, respectively.

 

Shareholders’ Equity. Shareholders’ equity decreased $66,000, or 0.8%, to $8.2 million at September 30, 2018 from $8.3 million at June 30, 2018. The decrease was due primarily to a net loss of $46,000 and a decrease in accumulated other comprehensive income of $20,000 during the period.

 

Comparison of Operating Results for the Three-Month Periods Ended September 30, 2018 and 2017

 

General. For the three months ended September 30, 2018, we had a net loss of $46,000 compared to a net loss of $79,000 for the three months ended September 30, 2017, a decrease in net loss of $33,000. The decrease in net loss resulted primarily from an increase in net interest income of $44,000, and an increase of $25,000 in noninterest income, which were offset in part by an increase of $15,000 in noninterest expense and a decrease of $22,000 in federal income tax benefits.

 

Average Balance Sheets. The following table sets forth average balance sheets, average yields and costs, and certain other information for the three month periods ended September 30, 2018 and 2017. All average balances are daily average balances. Nonaccrual loans were included in the computation of average balances, but have been reflected in the table as loans carrying a zero yield. The yields set forth below include the effect of net deferred costs, discounts and premiums that are accreted to interest income.

 

 37 

 

 

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL

CONDITION AND RESULTS OF OPERATIONS

 

   For the Three Months Ended September 30, 
   2018   2017 
                         
   Average
Outstanding
Balance
   Interest   Yield/Rate   Average
Outstanding
Balance
   Interest   Yield/Rate 
   (Dollars in thousands) 
Interest-earning assets:                              
Loans  $32,560   $377    4.63%  $32,276   $346    4.29%
Investment securities   6,515    35    2.15%   8,566    41    1.91%
Other interest-earning assets (1)   7,769    51    2.62%   8,666    39    1.80%
Total interest-earning assets   46,844    463    3.96%   49,508    426    3.44%
Noninterest-earning assets   4,143              3,058           
Allowance for loan losses   (253)             (253)          
Total assets  $50,734             $52,313           
                               
Interest-bearing liabilities:                              
Demand accounts  $2,288    1    0.17%  $2,229    1    0.18%
Savings and money market accounts   22,446    15    0.27%   22,858    16    0.28%
Certificates of deposit   7,630    14    0.73%   8,203    15    0.73%
Total deposits   32,364    30    0.37%   33,290    32    0.38%
FHLB advances   1,000    10    4.00%   2,141    15    2.80%
Total interest-bearing liabilities   33,364    40    0.48%   35,431    47    0.53%
Noninterest-bearing liabilities   9,107              7,504           
Total liabilities   42,471              42,935           
Equity   8,263              9,378           
Total liabilities and equity  $50,734             $52,313           
                               
Net interest income       $423             $379      
Net interest rate spread (2)             3.48%             2.91%
Net interest-earning assets (3)  $13,480             $14,077           
Net interest margin (4)             3.62%             3.06%
Average interest-earning assets to interest-bearing liabilities   140.40%             139.73%          

 

 

(1)Consists of stock in the FHLB and interest-bearing deposits in other banks.
(2)Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3)Net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities.
(4)Net interest margin represents net interest income divided by average total interest-earning assets.

 

 38 

 

 

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL

CONDITION AND RESULTS OF OPERATIONS

 

Interest Income. Interest income increased $37,000, or 8.7%, to $463,000 for the three months ended September 30, 2018 from $426,000 for the three months ended September 30, 2017. The increase resulted primarily from a $31,000 increase in loan interest income and an increase of $12,000 in interest on other interest earning deposits, offset by a decrease of $6,000 in interest income from investment securities. The average balance of investment securities decreased $2.1 million, or 24.4%, to $6.5 million during the three months ended September 30, 2018 from $8.6 million during the three months ended September 30, 2017, which was partially offset by an increase in the average yield on investment securities of 24 basis points to 2.15% for the 2018 period from 1.91% for the 2017 period. The average balance of loans receivable increased $284,000, or 0.8%, to $32.6 million during the three months ended September 30, 2018 from $32.3 million during the three months ended September 30, 2017, while the average yield on loans increased 34 basis points to 4.63% during the three months ended September 30, 2018 from 4.29% during the year earlier period, reflecting higher market interest rates.

 

Interest Expense. Interest expense decreased $7,000, or 14.9%, to $40,000 for the three months ended September 30, 2018 from $47,000 for the three months ended September 30, 2017. Interest expense on deposits decreased $2,000, or 6.3%, to $30,000 for the three months ended September 30, 2018 from $32,000 for the three months ended September 30, 2017. The decrease was primarily due to a decrease in the average cost of deposits of one basis point to 0.37% from 0.38% for the three months ended September 30, 2018 and 2017, respectively, and a decrease of $926,000, or 2.8%, in the average balance of interest-bearing deposits to $32.4 million for the three month period in 2018 from $33.3 million for the comparable period in 2017. Interest expense on borrowings decreased $5,000, or 33.3%, to $10,000 for the three months ended September 30, 2018 from $15,000 for the three months ended September 30, 2017. The average balance of FHLB advances decreased $1.1 million, or 52.4%, to $1.0 million for the three months ended September 30, 2018 from $2.1 million at September 30, 2017 while the average cost of these advances increased 120 basis points to 4.00% from 2.80% period-to-period.

 

Net Interest Income. Net interest income increased $44,000, or 11.6%, to $423,000 for the three months ended September 30, 2018 from $379,000 for the three months ended September 30, 2017. Our net interest rate spread increased to 3.48% for the three months ended September 30, 2018 from 2.91% for the three months ended September 30, 2017, and our net interest margin increased to 3.62% for the three months ended September 30, 2018 from 3.06% for the comparable three-month period in 2017.

 

Provision for Loan Losses. The Company did not record a provision for loan losses for either of the three months ended September 30, 2018 or 2017. The allowance for loan losses was $253,000, or 0.74% of total loans at September 30, 2018, compared to $253,000, or 0.78% of total loans at September 30, 2017. Total nonperforming loans were $429,000 at September 30, 2018, compared to $454,000 at September 30, 2017. Classified (substandard, doubtful and loss) loans were $842,000 at September 30, 2018, compared to $994,000 at September 30, 2017, and total loans past due greater than 30 days were $806,000 and $407,000 at September 30, 2018 and 2017, respectively. The Bank had no net charge-offs during either of the three months ended September 30, 2018 and 2017. As a percentage of nonperforming loans, the allowance for loan losses was 59.0% at September 30, 2018 compared to 55.7% at September 30, 2017.

 

The allowance for loan losses reflects the estimate we believe to be appropriate to cover incurred probable losses which were inherent in the loan portfolio at September 30, 2018 and 2017. While we believe the estimates and assumptions used in our determination of the adequacy of the allowance are reasonable, the actual amount of future provisions may exceed the amount of past provisions, and the increase in future provisions that may be required may adversely impact our financial condition and results of operations.

 

 39 

 

  

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS

 

Noninterest Income. Noninterest income increased $25,000, or 37.9%, to $91,000 for the three months ended September 30, 2018 from $66,000 for the three months ended September 30, 2017. Service charges and fees were $81,000 during the three months ended September 30, 2018 compared to $65,000 for the same period in 2017.

 

Noninterest Expense. Noninterest expense increased $15,000, or 2.7%, to $570,000 for the three months ended September 30, 2018 compared to $555,000 for the three months ended September 30, 2017. Salaries and benefits decreased $11,000, or 4.9%, to $212,000 for the three months ended September 30, 2018 from $223,000 for the three months ended September 30, 2017. Data processing decreased by $5,000, or 5.8% and office supplies decreased $3,000, or 12.0%. Financial institution taxes increased $5,000, or 38.4%, primarily due to the increase in capital as a result of the initial stock offering. Occupancy and equipment increased $9,000 and professional services increased $4,000. Other expenses increased $13,000, or 33.3%, to $52,000 from $39,000 during the three months ended September 30, 2017, due primarily to an increase in loan expense of $10,000, most of which is associated with the startup of our new indirect auto lending program.

 

Federal Income Taxes. We recognized a federal income tax benefit of $9,000 for the three months ended September 30, 2018, compared to a tax benefit of $31,000 for the three months ended September 30, 2017, due primarily to the $55,000 decrease in the net loss before taxes period to period.

 

Liquidity and Capital Resources

 

Our primary sources of funds are deposits, principal and interest payments on loans, and advances from the FHLB-Cincinnati. While maturities and scheduled amortization of loans are predictable sources of funds, deposit flows and mortgage prepayments are greatly influenced by market interest rates, economic conditions, and competition. Our most liquid assets are cash and short-term investments including interest-earning demand deposits. The levels of these assets are dependent on our operating, financing, lending, and investing activities during any given period.

 

Our cash flows are comprised of three primary classifications: cash flows from operating activities, investing activities, and financing activities. Net cash provided by operating activities was $47,000 and $82,000 for the three months ended September 30, 2018 and 2017, respectively. Net cash used in investing activities was $(1.8 million) and $(1.2 million) for the three months ended September 30, 2018 and 2017, respectively. The change in cash flows in investing activities resulted primarily from the increase in net loans of $2.2 million, which were partially offset by principal repayments of mortgage backed securities of $399,000. Cash used in financing activities was $(214,000) and $(4.9 million) in the three months ended September 30, 2018 and 2017, respectively. This change resulted primarily from the repayments of FHLB advances of $3.5 million and a decrease in deposits of $1.5 million for the three months ended September 30, 2017.

 

 40 

 

  

Community Savings Bancorp, Inc.

ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF OPERATIONS

 

Community Savings is subject to various regulatory capital requirements, 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 September 30, 2018, Community Savings exceeded all regulatory capital requirements and was categorized as “well-capitalized” under regulatory guidelines.

 

Off-Balance Sheet Arrangements and Aggregate Contractual Obligations

 

Commitments. At September 30, 2018, we had outstanding commitments to originate loans of $289,000, we had commitments under undisbursed construction loans of $787,000 and commitments under home equity lines of credit of $1.8 million. We anticipate that we will have sufficient funds available to meet our current loan origination commitments.

 

Certificates of deposit that are scheduled to mature in less than one year from September 30, 2018 totaled $3.4 million. Management expects that a substantial portion of the maturing certificates of deposit will be renewed. However, if a substantial portion of these deposits is not retained, we may utilize FHLB-Cincinnati advances or raise interest rates on deposits to attract new accounts, which may result in higher levels of interest expense.

 

Contractual Obligations. In the ordinary course of our operations, we enter into certain contractual obligations. Such obligations include data processing services, operating leases for equipment, and agreements with respect to borrowed funds and deposit liabilities.

 

 41 

 

  

ITEM 3.Quantitative and Qualitative Disclosures About Market Risk

 

Not applicable.

 

ITEM 4.Controls and Procedures

 

(a)Evaluation of disclosure controls and procedures.

 

Under the supervision and with the participation of the Registrant’s management, including our Chief Executive Officer and Principal Financial Officer, the Registrant evaluated the effectiveness of the design and operation of its disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) under the Exchange Act) as of the end of the period covered by this report. Based upon that evaluation, the Chief Executive Officer and Principal Financial Officer have concluded that the Company's disclosure controls and procedures were effective.

 

(b)Changes in internal controls.

 

There has been no change made in the Registrant’s internal control over financial reporting during the period covered by this report that has materially affected, or is reasonably likely to materially affect, the Registrant’s internal control over financial reporting.

 

 42 

 

 

Community Savings Bancorp, Inc.

Part II

Other Information

 

ITEM 1.Legal Proceedings

 

We are not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business. At September 30, 2018, we were not involved in any legal proceedings the outcome of which would be material to our financial condition or results of operations.

 

ITEM 1A.Risk Factors

 

Not applicable.

 

ITEM 2.Unregistered Sales of Equity Securities and Use of Proceeds

 

(a)There were no sales of unregistered securities during the period covered by this report.

 

(b)Not applicable.

 

(c)There were no issuer repurchases of securities during the period covered by this report.

 

ITEM 3.Defaults Upon Senior Securities

 

None.

 

ITEM 4.Mine Safety Disclosures

 

Not applicable.

 

ITEM 5.Other Information

 

None.

 

 43 

 

  

ITEM 6.Exhibits

 

Exhibit    
Number   Description
     
3.1   Articles of Incorporation of Community Savings Bancorp, Inc. (incorporated by reference to Registrant’s Form S-1 filed on September 9, 2016, Exhibit 3.1 (File No. 333-213561))
     
3.2   Bylaws of Community Savings Bancorp, Inc. (incorporated by reference to Registrant’s Form S-1 filed on September 9, 2016, Exhibit 3.2 (File No. 333-213561))
     
31.1   Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
     
31.2   Certification of Principal Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
     
32   Written Statement of Chief Executive Officer and Principal Financial Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
     
101.INS   XBRL Instance Document
     
101.SCH   XBRL Taxonomy Extension Schema Document
     
101.CAL   XBRL Taxonomy Extension Calculation Linkbase Document
     
101.DEF   XBRL Taxonomy Extension Definition Linkbase Document
     
101.LAB   XBRL Taxonomy Extension Label Linkbase Document
     
101.PRE   XBRL Taxonomy Extension Presentation Linkbase Document

  

 44 

 

 

Community Savings Bancorp, Inc.

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

        Community Savings Bancorp, Inc.
         
Date: November 14, 2018   By: /s/Alvin B. Parmiter
        Alvin B. Parmiter
        President and Chief Executive Officer
         
Date: November 14, 2018   By: /s/Sherman E. Crum
        Sherman E. Crum
        Controller and Principal Financial Officer
         

 

 45 

 

EX-31.1 2 tv506792_ex31-1.htm EXHIBIT 31.1

 

eXHIBIT 31.1

Certification

 

I, Alvin B. Parmiter, certify that:

 

1.       I have reviewed this quarterly report on Form 10-Q of Community Savings Bancorp, 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 officer 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 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 officer 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.

 

November 14, 2018   /s/Alvin B. Parmiter
Date   Alvin B. Parmiter
    President and Chief Executive Officer

 

  

EX-31.2 3 tv506792_ex31-2.htm EXHIBIT 31.2

 

eXHIBIT 31.2

Certification

 

I, Sherman E. Crum, certify that:

 

1.       I have reviewed this quarterly report on Form 10-Q of Community Savings Bancorp, 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 officer 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 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 officer 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.

 

November 14, 2018   /s/Sherman E. Crum
Date   Sherman E. Crum
    Controller and Principal Financial Officer

 

  

EX-32 4 tv506792_ex32.htm EXHIBIT 32

 

EXHIBIT 32 

 

CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND PRINCIPAL FINANCIAL OFFICER

PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 

 

Alvin B. Parmiter, President and Chief Executive Officer, and Sherman E. Crum, Controller and Principal Financial Officer, of Community Savings Bancorp, Inc. (the “Registrant”), each hereby certify, in their capacity as an officer of the Registrant that he has reviewed the quarterly report of the Registrant on Form 10-Q for the quarter ended September 30, 2018 (the “Report”), and that to the best of his knowledge:

 

  (1) The Report fully complies with the requirements of Sections 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 Registrant.

  

November 14, 2018

  /s/Alvin B. Parmiter
Date   Alvin B. Parmiter
    President and Chief Executive Officer
     
November 14, 2018   /s/Sherman E. Crum
Date   Sherman E. Crum
    Controller and Principal Financial Officer

 

A signed original of this written statement required by Section 906 has been provided to the Registrant and will be retained by the Registrant and furnished to the SEC or its staff upon request.

 

  

 

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Loans are selected for a grading review based on certain characteristics, including credit concentrations, subprime criteria, and delinquency of 90 days or more. 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These flaws or weaknesses, if left uncorrected, may result in the deterioration of the prospects of repayment or the deterioration of the Company&#8217;s credit position.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Substandard</b>: These are loans with a well-defined weakness, where the Company has a serious concern about the borrower&#8217;s ability to make full repayment if the weaknesses are not corrected. The loan may contain a flaw, which could impact the borrower&#8217;s ability to repay, or the borrower&#8217;s continuance as a &#8220;going concern.&#8221; When collateral values are not sufficient to secure the loan and other weaknesses are present, the loan may be rated substandard. 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The primary repayment source is no longer viable and the viability of the secondary source of repayment is in doubt. The amount of loss is uncertain due to circumstances within the credit that are not yet fully developed and the loan is rated &#8220;Doubtful&#8221; until the loss can be accurately estimated.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>&#160;</b></p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>Loss</b>: These are near term charge-offs. Loans classified as loss are considered uncollectible and of such little value that it is not desirable to continue carrying them as assets on the Company&#8217;s financial statements, even though partial recovery may be possible at some future time.</p> <div style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.4in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;&#160;</div> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The following tables present the credit risk profile of the Company&#8217;s loan portfolio based on internal rating category and payment activity as of September 30, 2018 and June 30, 2018:</p> <p style="widows: 2; 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font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; 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font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: white; font-size: 9pt; vertical-align: bottom;"> <td style="padding-left: 9pt; font-size: 9pt;">Company</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">$</td> <td style="text-align: right; font-size: 9pt;">8,381</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">35.9</td> <td style="text-align: left; font-size: 9pt;">%</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">$</td> <td style="text-align: right; font-size: 9pt;">1,401</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; 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font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Common Equity Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: white; font-size: 9pt; vertical-align: bottom;"> <td style="padding-left: 9pt; font-size: 9pt;">Company</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; 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font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; 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The amended guidance is effective, as to the Company, for annual reporting periods beginning after December 15, 2018, and interim periods within annual reporting periods beginning after December 15, 2019, and should be applied either retrospectively to each prior reporting period presented or retrospectively with the cumulative effect of initially applying the amendments recognized at the date of initial application. Early adoption is prohibited. 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For public business entities, the amendments in this update include the elimination of the requirement to disclose the method(s) and significant assumptions used to estimate fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet, the requirement to use the exit price notion when measuring fair value of financial instruments for disclosure purposes, the requirement to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments, the requirement for separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or&#160;loans and receivables) on the balance sheet or accompanying notes to the financial statements, and the amendments clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The amendments in this update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption of the amendments in this update is not permitted, except that early application by public business entities to financial statements of fiscal years or interim periods that have not yet been issued or, by all other entities, that have not yet been made available for issuance are permitted as of the beginning of the fiscal year of adoption for the following amendment: An entity should present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk if the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. An entity should apply the amendments to this update by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The Company does not believe it will have a material impact on the Company&#8217;s financial statements or disclosures.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>FASB ASU 2016-02,&#160;</b><i>Leases.&#160;</i>In February 2016, the FASB issued ASU 2016-02,&#160;<i>Leases</i>. 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Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606,&#160;<i>Revenue from Contracts with Customers</i>.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The new lease guidance simplified the accounting for sale and leaseback transactions primarily because lessees must recognize lease assets and lease liabilities. Lessees will no longer be provided with a source of off-balance sheet financing.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The amendments in ASU 2016-02 are effective, as to the Company, for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. Management is currently evaluating the impact of adopting this guidance on the Company&#8217;s financial statements.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>FASB ASU 2016-13,&#160;</b><i>Financial Instruments-Credit Losses.&#160;</i>In June 2016, the FASB issued ASU 2016-13. The amendments in this ASU replace the incurred loss model for recognition of credit losses with a methodology that reflects expected credit losses over the life of the loan and requires consideration of a broader range of reasonable and supportable information to calculate credit loss estimates. The amendments are effective, as to the Company, for annual reporting periods beginning after December 15, 2020 and for interim periods beginning after December 31, 2021. The Company is currently evaluating the impact of these amendments to the Company&#8217;s financial position and results of operations.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><b>FASB ASU 2017-08,</b>&#160;<i>Receivables-Nonrefundable Fees and Other Costs</i><font style="font-family: 'times new roman', times, serif;">.&#160;</font>In March 2017, the FASB issued ASU 2017<font style="font-family: 'times new roman', times, serif;">-</font>08. 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Management has not determined the expected effect of the adoption of ASU 2017<font style="font-family: 'times new roman', times, serif;">-</font>08 on the Company&#8217;s financial statements.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="text-align: left; widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-family: 'times new roman', times, serif;">FASB ASU 2018-13,&#160;<font style="font-weight: normal;"><i>Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value.</i></font></font>&#160;<font style="font-weight: normal;">I<font style="font-family: 'times new roman', times, serif;">n August, 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement," which changes the fair value measurement disclosure requirements of ASC 820. The ASU amends ASC 820 to add, remove, and modify certain fair value measurement disclosure requirements, primarily related to Level 3 fair value measurements. The ASU is effective for all entities for fiscal years beginning after December 15, 2019, including interim periods therein. Early adoption is permitted for any eliminated or modified disclosures upon issuance of this ASU. Management is evaluating the new ASU, but does not expect the ASU to have a material effect on the Company's financial position or results of operations.</font></font></p> <div> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"></p> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="width: 0in;"></td> <td style="text-align: left; width: 0.75in;">Note 8:</td> <td style="text-align: justify;">Loss Per Share</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Basic loss per share (&#8220;LPS&#8221;) is calculated by dividing net loss applicable to common stock by the weighted-average number of shares of common stock outstanding during the period. Unallocated common shares held by the Company&#8217;s Employee Stock Ownership Plan (the &#8220;ESOP&#8221;) are shown as a reduction in stockholders&#8217; equity and are excluded from weighted-average common shares outstanding for basic and diluted LPS calculations until they are committed to be released.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <div style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">Loss per share for the three months ended September 30, 2018 was $(0.11), calculated using 441,290 shares issued, less 31,054 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2018. Loss per share for the three months ended September 30, 2017 was $(0.20), calculated using 441,290 shares issued, less 32,688 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2017.</div> </div> <table style="widows: 2; text-transform: none; margin-top: 0px; text-indent: 0px; width: 100%; font: bold 10pt 'times new roman', times, serif; orphans: 2; margin-bottom: 0px; letter-spacing: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;" border="0" cellspacing="0" cellpadding="0"> <tr style="text-align: justify; vertical-align: top;"> <td style="width: 0in;"></td> <td style="text-align: left; width: 0.75in;">Note 9:</td> <td style="text-align: justify;">Employee Stock Ownership Plan (ESOP)</td> </tr> </table> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">As part of the Company&#8217;s stock conversion, shares were purchased by the ESOP with a loan from Community Savings Bancorp, Inc. All employees of the Bank meeting certain tenure requirements are entitled to participate in the ESOP. Compensation expense related to the ESOP was $6,000 for the three months ended September 30, 2018 and 2017.</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;</p> <p style="widows: 2; text-transform: none; text-indent: 0px; margin: 0pt 0px 0pt 0.25in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">The stock price at the formation date was $10.00. The aggregate fair value of the 31,054 unallocated shares was $450,000 based on the $14.50 closing price of our common stock on September 30, 2018.</p> <div> <div style="widows: 2; text-transform: none; text-indent: -0.5in; margin: 0pt 0px 0pt 0.5in; font: bold 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;Basis of Presentation</div> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">&#160; &#160;</font></p> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">Community Savings Bancorp, Inc. 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The conversion was completed effective January 10, 2017.&#160; The Company issued 441,290 shares at an offering price of $10.00 per share.</font></p> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">&#160;</font></p> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">The Company&#8217;s consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire fiscal year.</font></p> <p style="widows: 2; text-transform: none; text-indent: 0in; margin: 0pt 0px 0pt 0.5in; font: 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-weight: normal;">&#160;</font></p> <p style="widows: 2; text-transform: none; text-indent: 0.15pt; margin: 0pt 0px 0pt 0.5in; font: italic 10pt 'times new roman', times, serif; white-space: normal; orphans: 2; letter-spacing: normal; color: #000000; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial;"><font style="font-style: normal; font-weight: normal;">The accompanying consolidated balance sheet as of June 30, 2018 has been derived from audited financial statements included in the Company&#8217;s Form 10-K. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been omitted. 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vertical-align: bottom;"> <td style="font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: white; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="padding-left: 9pt; font-size: 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style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">$</td> <td style="text-align: right; font-size: 9pt;">1,401</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">6.0</td> <td style="text-align: left; font-size: 9pt;">%</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">$</td> <td style="text-align: right; font-size: 9pt;">1,868</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">8.0</td> <td style="text-align: left; font-size: 9pt;">%</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: white; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Common Equity Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="padding-left: 9pt; font-size: 9pt;">Company</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; 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9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: white; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Leverage Capital&#160;<br />(to Adjusted Average Total Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="padding-left: 9pt; font-size: 9pt;">Company</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">$</td> <td 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style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 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style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> </tr> <tr style="background-color: #cceeff; font-size: 9pt; vertical-align: bottom;"> <td style="text-align: left; padding-left: 0.125in; font-size: 9pt;">Common Equity Tier I Capital&#160;<br />(to Risk-Weighted Assets)</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="font-size: 9pt;">&#160;</td> <td style="text-align: left; font-size: 9pt;">&#160;</td> <td style="text-align: right; font-size: 9pt;">&#160;</td> <td 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Document and Entity Information - shares
3 Months Ended
Sep. 30, 2018
Nov. 13, 2018
Document And Entity Information [Abstract]    
Entity Registrant Name Community Savings Bancorp, Inc.  
Entity Central Index Key 0001682593  
Trading Symbol ccsb  
Current Fiscal Year End Date --06-30  
Entity Filer Category Non-accelerated Filer  
Entity Common Stock, Shares Outstanding   441,290
Document Type 10-Q  
Document Period End Date Sep. 30, 2018  
Amendment Flag false  
Document Fiscal Year Focus 2019  
Document Fiscal Period Focus Q1  
Entity Small Business true  
Entity Emerging Growth Company true  
Entity Ex Transition Period false  
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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Assets    
Cash and due from banks $ 1,588 $ 2,222
Interest-earning demand deposits in other financial institutions 711 2,082
Cash and cash equivalents 2,299 4,304
Interest-earning time deposits in other financial institutions 4,595 4,595
Investment securities available-for-sale, at fair value 6,205 6,651
Other investment securities 940 940
Loans 34,116 31,888
Less: allowance for loan losses (253) (253)
Loans, net 33,863 31,635
Premises and equipment, net 414 422
Foreclosed assets, net 9 9
Accrued interest receivable 141 135
Bank owned life insurance 775 769
Other assets 487 508
Total assets 49,728 49,968
Deposits    
Demand 10,218 10,406
Savings and money market 22,614 22,067
Time 7,289 7,926
Total deposits 40,121 40,399
Federal Home Loan Bank advances 1,000 1,000
Payments by borrowers for taxes and insurance 155 92
Other liabilities 231 190
Total liabilities 41,507 41,681
Shareholders' Equity    
Preferred stock - par value $0.01 per share, 5,000,000 shares authorized, none issued
Common stock - par value $0.01 per share, 50,000,000 shares authorized, 441,290 shares issued and outstanding as of June 30, 2018 and 2017, respectively 4 4
Additional paid in capital 3,264 3,264
Unearned employee stock ownership plan (ESOP) shares (311) (311)
Retained earnings 5,378 5,424
Accumulated other comprehensive loss (114) (94)
Total shareholders' equity 8,221 8,287
Total liabilities and shareholders' equity $ 49,728 $ 49,968
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Consolidated Balance Sheets (Parenthetical) - $ / shares
Sep. 30, 2018
Jun. 30, 2018
Statement of Financial Position [Abstract]    
Preferred stock, par or stated value per share (in dollars per share) $ 0.01 $ 0.01
Preferred stock, shares authorized 5,000,000 5,000,000
Preferred stock, shares issued 0 0
Common stock, par or stated value per share (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized 50,000,000 50,000,000
Common stock, shares, issued 441,290 441,290
Common stock, shares, outstanding 441,290 441,290
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Consolidated Statements of Operations - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Interest Income    
Loans, including fees $ 377 $ 346
Taxable securities 25 31
Tax exempt securities 10 10
Interest-earning deposits 51 39
Total interest income 463 426
Interest Expense    
Deposits 30 32
Federal Home Loan Bank advances 10 15
Total interest expense 40 47
Net Interest Income 423 379
Provision for Loan Losses 0 0
Net Interest Income After Provision for Loan Losses 423 379
Noninterest Income    
Service charges and fees 81 65
Increase in cash surrender value-bank owned life insurance 6 1
Other income 4  
Total noninterest income 91 66
Noninterest Expense    
Salaries, employee benefits, and directors fees 212 223
Occupancy and equipment 34 25
Data processing 81 86
Correspondent bank service charges 55 54
Franchise taxes 18 13
FDIC insurance premiums 5 3
Professional services 84 80
Advertising 7 7
Office supplies 22 25
Other expense 52 39
Total noninterest expense 570 555
Loss Before Federal Income Tax Benefit (55) (110)
Federal Income Tax Benefit (9) (31)
Net loss $ (46) $ (79)
Loss per share - basic and diluted (in dollars per share) $ (0.11) $ (0.20)
Weighted-average shares outstanding - basic and diluted (in shares) 410,236 408,602
Service charges and fees    
Noninterest Income    
Service charges and fees $ 81 $ 65
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Consolidated Statements of Comprehensive Loss (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Statement of Comprehensive Income [Abstract]    
Net loss $ (46) $ (79)
Other comprehensive loss:    
Unrealized holding losses on securities available for sale (25) (10)
Tax effect 5 3
Total other comprehensive loss (20) (7)
Comprehensive loss $ (66) $ (86)
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Consolidated Statements of Changes in Shareholders' Equity - USD ($)
$ in Thousands
Preferred Stock
Common Stock
Additional Paid in Capital
Unearned ESOP Shares
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Total
Balance at Jun. 30, 2017 $ 0 $ 4 $ 3,258 $ (327) $ 6,433 $ 25 $ 9,393
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net loss         (79)   (79)
Other comprehensive loss:           (7) (7)
Balance at Sep. 30, 2017 0 4 3,258 (327) 6,354 18 9,307
Balance at Jun. 30, 2018 0 4 3,264 (311) 5,424 (94) 8,287
Increase (Decrease) in Stockholders' Equity [Roll Forward]              
Net loss         (46)   (46)
Other comprehensive loss:           (20) (20)
Balance at Sep. 30, 2018 $ 0 $ 4 $ 3,264 $ (311) $ 5,378 $ (114) $ 8,221
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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Cash Flows from Operating Activities    
Net loss $ (46) $ (79)
Adjustments to reconcile net loss to net cash provided by operating activities:    
Depreciation and amortization 17 17
Deferred income tax expense (35) (31)
Amortization of premiums and discounts on securities, net 21 35
Net changes in:    
Accrued interest receivable (6) 15
Bank owned life insurance-cash surrender value (6) (1)
Other assets 60 57
Other liabilities 43 69
Net cash provided by operating activities 48 82
Cash Flows from Investing Activities    
Net change in interest-earning time deposits in other financial institutions   (502)
Principal repayments of available for sale mortgage-backed securities 399 535
Net change in loans (2,228) (505)
Purchase of premises and equipment (9)  
Purchase of bank owned life insurance   (750)
Net cash used in investing activities (1,838) (1,222)
Cash Flows from Financing Activities    
Net change in deposits (278) (1,483)
Repayment of Federal Home Loan Bank advances 0 (3,500)
Payments by borrowers for taxes and insurance 63 68
Net cash used in financing activities (215) (4,915)
Net Change in Cash and Cash Equivalents (2,005) (6,055)
Beginning Cash and Cash Equivalents 4,304 8,699
Ending Cash and Cash Equivalents 2,299 2,644
Cash paid during the year for:    
Interest on deposits and borrowings $ 40 $ 47
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Basis of Presentation
3 Months Ended
Sep. 30, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation
Note 1:    Basis of Presentation

 

Community Savings Bancorp, Inc. (the “Company”), headquartered in Caldwell, Ohio, was formed to serve as the stock holding company for Community Savings (the “Bank”) following its mutual-to-stock conversion. The conversion was completed effective January 10, 2017.  The Company issued 441,290 shares at an offering price of $10.00 per share.

 

The Company’s consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire fiscal year.

 

The accompanying consolidated balance sheet as of June 30, 2018 has been derived from audited financial statements included in the Company’s Form 10-K. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been omitted. Accordingly, these consolidated financial statements should be read in conjunction with the audited financial statements and notes thereto of the Company as of and for the year ended June 30, 2018 included in the Company’s Form 10-K.

 

Principles of Consolidation

 

The consolidated financial statements as of and for the periods ended September 30, 2018 and at June 30, 2018, include Community Savings Bancorp, Inc. and its wholly-owned subsidiary, Community Savings (the “Bank”), together referred to as the “Company.” Intercompany transactions and balances have been eliminated in consolidation.

 

Use of Estimates

 

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, valuation of deferred tax assets, and fair values of financial instruments.
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Securities
3 Months Ended
Sep. 30, 2018
Investments, Debt and Equity Securities [Abstract]  
Securities
Note 2:   Securities
 

The amortized cost and approximate fair values, together with gross unrealized gains and losses, of securities are as follows:

 

   

Amortized

Cost

   

Gross

Unrealized

Gains

   

Gross

Unrealized

Losses

   

Fair

Value

 
    (In thousands)  
Available-for-sale Securities:                                
September 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 3,878     $ 4     $ (105 )   $ 3,777  
Collateralized mortgage obligations of government sponsored entities - residential     205       1       (6 )     200  
State and political subdivisions                                
Taxable     812       1       (3 )     810  
Nontaxable     1,454       -       (36 )     1,418  
                                 
    $ 6,349     $ 6     $ (150 )   $ 6,205  
                                 
                                 
June 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 4,280     $ 6     $ (94 )   $ 4,192  
Collateralized mortgage obligations  of government sponsored entities - residential     218       1       (5 )     214  
State and political subdivisions                                
Taxable     815       1       (3 )     813  
Nontaxable     1,457       1       (26 )     1,432  
                                 
    $ 6,770     $ 9     $ (128 )   $ 6,651  

   

The amortized cost and fair value of available-for-sale securities at September 30, 2018, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.

 

    Amortized     Fair  
    Cost     Value  
    (In thousands)  
             
Within one year   $ 552     $ 552  
One to five years     -       -  
Five to ten years     289       286  
Beyond ten years     1,425       1,390  
                 
      2,266       2,228  
Mortgage-backed securities of U.S.  government sponsored entities - residential     3,878       3,777  
Collateralized mortgage obligations  of government sponsored entities - residential     205       200  
                 
Totals   $ 6,349     $ 6,205  

 

The Company had no sales of investment securities during the three-month periods ended September 30, 2018 and 2017.

 

The Company had pledged $1.6 million and $1.7 million of its investment securities at September 30, 2018 and June 30, 2018, respectively, and $635,000 of interest-earning time deposits at September 30, 2018 and June 30, 2018. The Company also had pledged $125,000 of interest-earning demand deposits at September 30, 2018 and June 30, 2018, primarily to secure public deposits.

 

The Company’s other investment securities consist of $915,000 of stock in the FHLB and $25,000 of stock in the Company’s data service provider at both September 30, 2018 and June 30, 2018.

 

The following table shows the Company’s investments’ gross unrealized losses and fair value of the Company’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2018 and June 30, 2018:

 

    Less than 12 Months     12 Months or Longer     Total  
Description of Securities  

Fair

Value

   

Unrealized

Losses

   

Fair

Value

   

Unrealized

Losses

   

Fair

Value

   

Unrealized

Losses

 
    (In thousands)  
September 30, 2018                                    
Available-for-sale Securities:                                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 1,139     $ (14 )   $ 2,235     $ (91 )   $ 3,374     $ (105 )
Collateralized mortgage obligations of government sponsored entities - residential     -       -       115       (6 )     115       (6 )
State and political subdivisions                                                
Taxable     -       -       507       (3 )     507       (3 )
Nontaxable     861       (7 )     357       (29 )     1,218       (36 )
                                                 
    $ 2,000     $ (21 )   $ 3,214     $ (129 )   $ 5,214     $ (150 )

 

June 30, 2018                                    
Available-for-sale Securities:                                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 1,777     $ (31 )   $ 1,568     $ (63 )   $ 3,345     $ (94 )
Collateralized mortgage obligations of government sponsored entities - residential     121       (5 )     -       -       121       (5 )
State and political subdivisions                                                
Taxable     -       -       510       (3 )     510       (3 )
Nontaxable     531       (3 )     363       (23 )     894       (26 )
                                                 
    $ 2,429     $ (39 )   $ 2,441     $ (89 )   $ 4,870     $ (128 )

 

Other-than-temporary Impairment

 

At September 30, 2018 and June 30, 2018, the decline in fair value of the Company’s investment securities is attributable to changes in interest rates and not credit quality. At September 30, 2018 there were a total of twenty-six securities in a loss position. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before recovery of their amortized cost bases, the Company does not consider these securities to be other-than-temporarily impaired at September 30, 2018 and June 30, 2018.
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Loans and Allowance for Loan Losses
3 Months Ended
Sep. 30, 2018
Receivables [Abstract]  
Loans and Allowance for Loan Losses
Note 3: Loans and Allowance for Loan Losses

 

Loans at September 30, 2018 and June 30, 2018 include:

 

    September 30,     June 30,  
    2018     2018  
    (In thousands)  
Real estate                
One- to four-family residential   $ 24,811     $ 25,127  
Home equity lines of credit     1,919       1,979  
Commercial and multi-family     1,903       1,927  
Consumer and other     5,483       2,855  
                 
Total loans     34,116       31,888  
                 
Allowance for loan losses     (253 )     (253 )
                 
Net loans   $ 33,863     $ 31,635  

 

The premium on loans purchased is included in the loan balances of consumer and other. The amounts of the premiums were $73,000 and $81,000 at September 30, 2018 and June 30, 2018, respectively.

 

The risk characteristics applicable to each segment of the loan portfolio are described below:

 

Residential Real Estate and Home Equity Lines of Credit

 

Residential mortgage loans and home equity lines of credit are secured by one-to four-family residences and are comprised of owner-occupied and non-owner-occupied loans. Construction real estate loans (immaterial for the periods presented) are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. The Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values or residential properties. Risk is mitigated by the fact that loans are of smaller individual amounts and spread over a large number of borrowers.

   

Multi-family Residential Real Estate

 

Multi-family real estate loans generally involve a greater degree of credit risk than one-to four- family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family real estate is typically dependent upon the successful operation of the related real estate property. If the cash flow from the project is reduced, the borrower’s ability to repay the loan may be impaired.

 

Commercial Real Estate

 

Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing the Company’s real estate portfolio are diverse, but with geographic location almost entirely in the Company’s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography, and risk grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk.

 

Consumer Loans

 

Consumer loans entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured or secured by assets that depreciate rapidly, such as automobiles. 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 particular, amounts realizable on the sale of repossessed automobiles may be significantly reduced based upon the condition of the automobiles and the lack of demand for used automobiles.

  

The following table presents, by portfolio segment, the activity in the allowance for loan losses for the three months ended September 30, 2018 and the recorded investment in loans and impairment method as of September 30, 2018:

 

    September 30, 2018  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
                                     
Allowance for loan losses:                                                
Balance, July 1, 2018   $ 171     $ 13     $ 10     $ 23     $ 36     $ 253  
Provision for loan losses     (13 )     -       -       24       (11 )     -  
Charge-offs     -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -  
                                                 
Balance, September 30, 2018   $ 158     $ 13     $ 10     $ 47     $ 25     $ 253  
                                                 
Allowance for loan losses:                                                
Ending balance, individually evaluated for impairment   $ 7     $ -     $ -     $ -     $ -     $ 7  
                                                 
Ending balance, collectively evaluated for impairment   $ 151     $ 13     $ 10     $ 47     $ 25     $ 246  
                                                 
Loans:                                                
Ending balance   $ 24,811     $ 1,919     $ 1,903     $ 5,483             $ 34,116  
                                                 
Ending balance; individually evaluated for impairment   $ 406     $ 5     $ 85     $ -             $ 496  
                                                 
Ending balance; collectively evaluated for impairment   $ 24,405     $ 1,914     $ 1,818     $ 5,483             $ 33,620  
   

The following table presents, by portfolio segment, the activity in the allowance for loan losses for the three months ended September 30, 2017:

 

    September 30, 2017  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

   

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
Three Months Ended September 30, 2017                                    
Allowance for loan losses:                                                
Balance, July 1, 2017   $ 162     $ 21     $ 8     $ 20       42     $ 253  
Provision for loan losses     10       (6 )     1       -       (5 )     -  
Charge-offs     -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -  
                                                 
Balance, September 30, 2017   $ 172     $ 15     $ 9     $ 20     $ 37     $ 253  
  

The following table presents, by portfolio segment, the allowance for loan losses, the recorded investment in loans and impairment method as of June 30, 2018:

 

    June 30, 2018  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
                                     
Allowance for loan losses:                                                
Ending balance, individually evaluated for impairment   $ 7     $ -     $ -     $ -     $ -     $ 7  
                                                 
Ending balance, collectively evaluated for impairment   $ 164     $ 13     $ 10     $ 23     $ 36     $ 246  
                                                 
Loans:                                                
Ending balance   $ 25,127     $ 1,979     $ 1,927     $ 2,855             $ 31,888  
                                                 
Ending balance; individually evaluated for impairment   $ 366     $ 5     $ 87     $ -             $ 458  
                                                 
Ending balance; collectively evaluated for impairment   $ 24,761     $ 1,974     $ 1,840     $ 2,855             $ 31,430  
   

Internal Risk Categories

 

The Company has adopted a standard loan grading system for all loans. Loans are selected for a grading review based on certain characteristics, including credit concentrations, subprime criteria, and delinquency of 90 days or more. Definitions are as follows:

 

PassThese are higher quality loans that do not fit any of the other categories described below.

 

Special Mention: The loans identified as special mention have an obvious flaw or a potential weakness that deserves special management attention, but which has not yet impacted collectability. These flaws or weaknesses, if left uncorrected, may result in the deterioration of the prospects of repayment or the deterioration of the Company’s credit position.

 

Substandard: These are loans with a well-defined weakness, where the Company has a serious concern about the borrower’s ability to make full repayment if the weaknesses are not corrected. The loan may contain a flaw, which could impact the borrower’s ability to repay, or the borrower’s continuance as a “going concern.” When collateral values are not sufficient to secure the loan and other weaknesses are present, the loan may be rated substandard. A loan will also be rated substandard when full repayment is expected, but it must come from the liquidation of collateral.

 

One-to-four family residential real estate loans and home equity loans that are past due 90 days or more with loan to value ratios greater than 60 percent are classified as substandard.

 

Doubtful: These are loans with major defined weaknesses, where future charge-off of a part of the credit is highly likely. The primary repayment source is no longer viable and the viability of the secondary source of repayment is in doubt. The amount of loss is uncertain due to circumstances within the credit that are not yet fully developed and the loan is rated “Doubtful” until the loss can be accurately estimated.

 

Loss: These are near term charge-offs. Loans classified as loss are considered uncollectible and of such little value that it is not desirable to continue carrying them as assets on the Company’s financial statements, even though partial recovery may be possible at some future time.

   

The following tables present the credit risk profile of the Company’s loan portfolio based on internal rating category and payment activity as of September 30, 2018 and June 30, 2018:

 

    Real Estate              
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Total  
    (In thousands)  
September 30, 2018      
Pass   $ 24,105     $ 1,868     $ 1,818     $ 5,483     $ 33,274  
Special mention     -       -       -       -       -  
Substandard     706       51       85       -       842  
Doubtful     -       -       -       -       -  
                                         
Total   $ 24,811     $ 1,919     $ 1,903     $ 5,483     $ 34,116  
                                         
June 30, 2018                                        
Pass   $ 24,507     $ 1,941     $ 1,840     $ 2,855     $ 31,143  
Special mention     -       -       -       -       -  
Substandard     620       38       87       -       745  
Doubtful     -       -       -       -       -  
                                         
Total   $ 25,127     $ 1,979     $ 1,927     $ 2,855     $ 31,888  

 

The Company evaluates the loan risk grading system definitions and allowance for loan losses methodology on an ongoing basis. No significant changes were made to either during the past year.

   

The following tables present the Company’s loan portfolio aging analysis of the recorded investment in loans as of September 30, 2018 and June 30, 2018:

 

          Total Loans  
                90 Days and                       90 Days and  
    30-59 Days     60-89 Days     Greater     Total           Total Loans     Greater and  
    Past Due     Past Due     Past Due     Past Due     Current     Receivable     Accruing  
    (In thousands)        
September 30, 2018            
Real estate                                                        
1-4 family residential   $ 447     $ 59     $ 176     $ 682     $ 24,129     $ 24,811     $ -  
Home equity lines of credit     4       8       -       12       1,907       1,919       -  
Commercial and multi-family     72       -       13       85       1,818       1,903       -  
Consumer and other     27       -       -       27       5,456       5,483       -  
                                                         
Total   $ 550     $ 67     $ 189     $ 806     $ 33,310     $ 34,116     $ -  
                                                         
                                                         
June 30, 2018                                                        
Real estate                                                        
1-4 family residential   $ 271     $ 3     $ 65     $ 339     $ 24,788     $ 25,127     $ -  
Home equity lines of credit     -       4       -       4       1,975       1,979       -  
Commercial and multi-family     74       -       13       87       1,840       1,927       -  
Consumer and other     12       34       -       46       2,809       2,855       -  
                                                         
Total   $ 357     $ 41     $ 78     $ 476     $ 31,412     $ 31,888     $ -  

 

A loan is considered impaired when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming loans, but also include loans modified in troubled debt restructurings.

   

The following table presents impaired loan information as of and for the three months ended September 30, 2018:

 

                      For the Three Months Ended  
    As of September 30, 2018     September 30, 2018  
   

Recorded

Investment

   

Unpaid

Principal

Balance

   

Allowance

for Loan

Losses

Allocated

   

Average

Recorded

Investment

   

Interest

Income

Recognized

 
    (In thousands)  
Loans with no related allowance recorded:                                        
Real estate                                        
1-4 family residential   $ 339     $ 339     $ -     $ 328     $ -  
Home equity lines of credit     5       5       -       5       -  
Commercial and multi-family     85       85       -       85       -  
Consumer and other     -       -       -       -       -  
                                         
Loans with an allowance recorded:                                        
Real estate                                        
1-4 family residential     68       71       7       71       1  
Home equity lines of credit     -       -       -       -       -  
Commercial and multi-family     -       -       -       -       -  
Consumer and other     -       -       -       -       -  
                                         
Totals   $ 497     $ 500     $ 7     $ 489     $ 1  
   

The following table presents impaired loan information as of June 30, 2018 and for the three months ended September 30, 2017:

 

                      For the Three Months Ended  
    As of June 30, 2018     September 30, 2017  
   

Recorded

Investment

   

Unpaid

Principal

Balance

   

Allowance

for Loan

Losses

Allocated

   

Average

Recorded

Investment

   

Interest

Income

Recognized

 
    (In thousands)  
Loans with no related allowance recorded:                                        
Real estate                                        
1-4 family residential   $ 305     $ 305     $ -     $ 307     $ -  
Home equity lines of credit     5       5       -       16       -  
Commercial and multi-family     87       87       -       92       -  
Consumer and other     -       -       -       4       -  
                                         
Loans with an allowance recorded:                                        
Real estate                                        
1-4 family residential     69       71       7       90       1  
Home equity lines of credit     -       -       -       -       -  
Commercial and multi-family     -       -       -       -       -  
Consumer and other     -       -       -       -       -  
                                         
Totals   $ 466     $ 468     $ 7     $ 509     $ 1  

 

The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for partial charge-offs.  Interest income recognized on a cash basis was not materially different than interest income recognized. 

  
 
The following table presents the Company’s nonaccrual loans at September 30, 2018 and June 30, 2018. The table excludes performing troubled debt restructurings.

 

    September 30,     June 30,  
    2018     2018  
    (In thousands)  
Real estate                
1-4 family residential   $ 339     $ 305  
Home equity lines of credit     5       5  
Commercial and multi-family     85       87  
Consumer and other     -       -  
                 
Total nonaccrual   $ 429     $ 397  

 

At September 30, 2018 and June 30, 2018, the Company had certain loans that were modified in previous years in troubled debt restructurings and impaired. The modification of terms of such loans included one or a combination of the following: an extension of maturity, a reduction of the stated interest rate, or a permanent reduction of the recorded investment in the loan. The Company had loans modified, in previous years, in a troubled debt restructuring totaling $68,000 and $69,000 at September 30, 2018 and June 30, 2018, respectively. Troubled debt restructured loans had specific allowances totaling $7,000 at September 30, 2018 and June 30, 2018, respectively. At September 30, 2018, the Company had no commitments to lend additional funds to borrowers with troubled debt restructured loans.

 

No loans were modified as troubled debt restructurings during either the three months ended September 30, 2018 or 2017.

 

The Company had no troubled debt restructurings modified during the twelve months ended September 30, 2018 or 2017 that subsequently defaulted during the three-month periods ended September 30, 2018 or 2017. A troubled debt restructured loan is considered to be in payment default once it is 30 days contractually past due under the loan’s modified terms.

 

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.
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Regulatory Matters
3 Months Ended
Sep. 30, 2018
Regulated Operations [Abstract]  
Regulatory Matters
Note 4: Regulatory Matters

 

The Bank is subject to various regulatory capital requirements administered by the federal 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’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Furthermore, the Bank’s regulators could require adjustments to regulatory capital not reflected in these financial statements.

 

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier I capital, and common equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of leverage capital to adjusted average total assets (as defined).

 

Management believes, as of September 30, 2018 and June 30, 2018, that the Bank meets all capital adequacy requirements to which it is subject.

 

Basel III requires the Bank to maintain minimum amounts and ratios of common equity Tier 1 capital to risk-weighted assets, as defined in the regulation. Under the Basel III rules, in order to avoid limitations on capital distributions, including dividends, the Bank must hold a capital conservation buffer above the adequately capitalized common equity Tier 1 capital to risk-weighted assets ratio. The capital conservation buffer is being phased in from zero percent to 2.50 percent by 2019. Under Basel III, the Bank elected to opt-out of including accumulated other comprehensive income in regulatory capital.

 

As of September 30, 2018 and June 30, 2018, the most recent notification categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total capital, Tier I capital, common equity Tier I capital and leverage capital ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

   

The Company’s and the Bank’s actual capital amounts and ratios are presented in the following table:

 

    Actual    

For Capital Adequacy

Purposes

   

To Be Well Capitalized

Under Prompt

Corrective Action

Provisions

 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
    (Dollars in thousands)  
As of September 30, 2018                                    
Total Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,581       36.8 %   $ 1,868       8.0 %             N/A            N/A  
Bank   $ 7,844       33.6 %   $ 1,868       8.0 %   $ 2,335       10.0 %
                                                 
Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,328       35.7 %   $ 1,401       6.0 %             N/A            N/A  
Bank   $ 7,591       32.5 %   $ 1,401       6.0 %   $ 1,868       8.0 %
                                                 
Common Equity Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,328       35.7 %   $ 1,052       4.5 %             N/A            N/A  
Bank   $ 7,591       32.5 %   $ 1,052       4.5 %   $ 1,517       6.5 %
                                                 
Leverage Capital 
(to Adjusted Average Total Assets)
                                               
Company   $ 8,328       16.3 %   $ 2,047       4.0 %             N/A            N/A  
Bank   $ 7,591       14.8 %   $ 2,047       4.0 %   $ 2,559       5.0 %
                                                 
As of June 30, 2018                                                
Total Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,634       37.0 %   $ 1,868       8.0 %             N/A            N/A  
Bank   $ 7,849       33.6 %   $ 1,868       8.0 %   $ 2,335       10.0 %
                                                 
Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,381       35.9 %   $ 1,401       6.0 %             N/A            N/A  
Bank   $ 7,596       32.5 %   $ 1,401       6.0 %   $ 1,868       8.0 %
                                                 
Common Equity Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,381       35.9 %   $ 1,051       4.5 %             N/A            N/A  
Bank   $ 7,596       32.5 %   $ 1,051       4.5 %   $ 1,517       6.5 %
                                                 
Leverage Capital 
(to Adjusted Average Total Assets)
                                               
Company   $ 8,381       16.4 %   $ 2,047       4.0 %             N/A            N/A  
Bank   $ 7,596       14.8 %   $ 2,047       4.0 %   $ 2,559       5.0 %
XML 22 R12.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities
3 Months Ended
Sep. 30, 2018
Fair Value Disclosures [Abstract]  
Disclosures about Fair Value of Assets and Liabilities
Note 5: Disclosures about Fair Value of Assets and Liabilities

 

Fair value is the exchange price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value:

 

Level 1 Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
   
Level 2 Significant other 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.
   
Level 3 Significant unobservable inputs that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
  
Recurring Measurements

 

The following table presents the fair value measurement of assets recognized in the accompanying condensed consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and June 30, 2018:

 

          Fair Value Measurement Using  
    Fair 
Value
    Quoted Prices in
Active Markets for
Identical Assets 
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
 
    (In thousands)  
September 30, 2018                        
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 3,777     $ -     $ 3,777     $ -  
Collateralized mortgage obligations of government sponsored entities - residential     200       -       200       -  
State and political subdivisions                                
Taxable     810       -       810       -  
Nontaxable     1,418       -       1,418       -  
                                 
    $ 6,205     $ -     $ 6,205     $ -  
                                 
June 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 4,192     $ -     $ 4,192     $ -  
Collateralized mortgage obligations of government sponsored entities - residential     214       -       214       -  
State and political subdivisions                                
Taxable     813       -       813       -  
Nontaxable     1,432       -       1,432       -  
                                 
    $ 6,651     $ -     $ 6,651     $ -  

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There were no assets classified within Level 3 of the fair value hierarchy measured on a recurring basis. There were no transfers between Level 1 and Level 2 during the three-month periods ended September 30, 2018 and 2017.

  

Available-for-sale Securities

 

Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flow. Such securities are classified within Level 2 of the valuation hierarchy.

 

Nonrecurring Measurements

 

The following table presents fair value measurements of assets measured at fair value on a non-recurring basis and the level within the fair value hierarchy in which fair value measurements fall at September 30, 2018 and June 30, 2018:

 

          Fair Value Measurement Using  
    Fair 
Value
    Quoted Prices in
Active Markets
for Identical
Assets 
(Level 1)
    Significant
Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
 
    (In thousands)  
September 30, 2018                        
Impaired loans                                
Real estate                                
1-4 family residential   $ 61     $ -     $ -     $ 61  
Forclosed assets                                
Residential real estate   $ 9     $ -     $ -     $ 9  
                                 
June 30, 2018                                
Impaired loans                                
Real estate                                
1-4 family residential   $ 62     $ -     $ -     $ 62  
Foreclosed assets                                
Residential real estate   $ 9     $ -     $ -     $ 9  

 

Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.

 

Impaired Loans (Collateral Dependent)

 

The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the borrower and borrower’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Foreclosed Assets

 

Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. The assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

 

Appraisals for collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.

  

Unobservable (Level 3) Inputs

 

The following table presents quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements:

 

    Fair Value     Valuation Technique   Unobservable Inputs   Range
(Weighted
Average)
 
    (In thousands)                
September 30, 2018                        
                         
Impaired loans (collateral dependent) - residential real estate   $ 61     Sales comparison approach   Adjustment for differences between the comparable real estate sales     13 %
                         
Foreclosed assets - residential real estate   $ 9     Sales comparison approach   Adjustment for differences between the comparable real estate sales     52 %
                         
June 30, 2018                        
                         
Impaired loans (collateral dependent) - residential real estate   $ 62     Sales comparison approach   Adjustment for differences between the comparable real estate sales     13 %
                         
Foreclosed assets - residential real estate   $ 9     Sales comparison approach   Adjustment for differences between the comparable real estate sales     52 %
  
Fair Value of Financial Instruments

 

The following table presents the carrying amount and estimated fair values of the Company’s financial instruments not carried at fair value and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2018 and June 30, 2018.

 

          Fair Value Measurement Using  
    Carrying
Amount
    Quoted Prices in
Active Markets for
Identical
Assets/Liabilities
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
    Total  
    (In thousands)  
September 30, 2018                                        
Financial assets                                        
Cash and cash equivalents   $ 2,299     $ 2,299     $ -     $ -     $ 2,299  
Interest-earning time deposits     4,595       4,595       -       -       4,595  
Other investment securities     940       -       -       940       940  
Loans, net     33,863       -       -       34,083       34,083  
Accrued interest receivable     141       -       141       -       141  
Bank owned life insurance     775       -       775       -       775  
Financial liabilities                                        
Deposits     40,121       32,831       7,056       -       39,887  
Federal Home Loan Bank advances     1,000       -       1,004       -       1,004  
Payments by borrowers for taxes and insurance     155       -       155       -       155  
                                         
June 30, 2018                                        
Financial assets                                        
Cash and cash equivalents   $ 4,304     $ 4,304     $ -     $ -     $ 4,304  
Interest-earning time deposits     4,595       4,595       -       -       4,595  
Other investment securities     940       -       -       940       940  
Loans, net     31,635       -       -       32,195       32,195  
Accrued interest receivable     135       -       135       -       135  
Bank owned life insurance     769       -       769       -       769  
Financial liabilities                                        
Deposits     40,399       32,473       7,682       -       40,155  
Federal Home Loan Bank advances     1,000       -       1,008       -       1,008  
Payments by borrowers for taxes and insurance     92       -       92       -       92  

 

The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying condensed consolidated balance sheets at amounts other than fair value.

 

Cash and Cash Equivalents and Interest-earning Time Deposits

 

The carrying amount of cash, short-term instruments and time deposits approximate fair value and are classified as Level 1.

 

Other Investment Securities

 

Due to restrictions placed on their transferability, the FHLB and COCC stock are carried at cost, which approximates fair value based on redemption provisions resulting in a Level 3 classification.

 

Loans

 

Fair values of loans are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values, resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality, resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value of collateral as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

 

Accrued Interest Receivable and Payable

 

The carrying amounts of accrued interest approximate fair value, resulting in a Level 2 classification.

 

Bank Owned Life Insurance

 

The fair value of bank owned life insurance approximates the cash surrender value of the policies, resulting in a level 2 classification.

 

Deposits

 

The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits, resulting in a Level 2 classification.

 

Federal Home Loan Bank Advances

 

The fair values of FHLB advances are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements, resulting in a Level 2 classification.

   

Payments by Borrowers for Taxes and Insurance

 

The fair value of escrow accounts is estimated to approximate the carrying amount resulting in a Level 2 classification.

 

Off-Balance Sheet Instruments

 

Fair values of off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material.
XML 23 R13.htm IDEA: XBRL DOCUMENT v3.10.0.1
Accumulated Other Comprehensive Loss
3 Months Ended
Sep. 30, 2018
Accumulated Other Comprehensive Loss [Abstract]  
Accumulated Other Comprehensive Loss
Note 6: Accumulated Other Comprehensive Loss

 

Changes in accumulated other comprehensive loss by component, net of tax, for the three months ended September 30, 2018 and 2017 are as follows:

 

    Three Months Ended September 30,  
    2018     2017  
    (In thousands)  
Beginning balance   $ (94 )   $ 25  
                 
Other comprehensive loss before tax effect     (25 )     (10 )
                 
Tax effect     5       3  
                 
Net current period other comprehensive loss     (20 )     (7 )
                 
Ending balance   $ (114 )   $ 18  

 

There were no material items reclassified from accumulated other comprehensive income (loss) to the consolidated statement of operations for the three months ended September 30, 2018 and 2017.

XML 24 R14.htm IDEA: XBRL DOCUMENT v3.10.0.1
Recent Accounting Pronouncements
3 Months Ended
Sep. 30, 2018
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]  
Recent Accounting Pronouncements
Note 7: Recent Accounting Pronouncements

 

FASB ASU 2014-09, Revenue from Contracts with Customers. In May 2014, the Financial Accounting Standards Board (“FASB”) issued amended guidance on revenue recognition from contracts with customers. The standard outlines a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers and supersedes most contract revenue recognition guidance, including industry-specific guidance. The core principle of the amended guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amended guidance is effective, as to the Company, for annual reporting periods beginning after December 15, 2018, and interim periods within annual reporting periods beginning after December 15, 2019, and should be applied either retrospectively to each prior reporting period presented or retrospectively with the cumulative effect of initially applying the amendments recognized at the date of initial application. Early adoption is prohibited. ASU 2014-09 may require the Company to change how it recognizes certain components of noninterest income, but the Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

FASB ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. In January 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. For public business entities, the amendments in this update include the elimination of the requirement to disclose the method(s) and significant assumptions used to estimate fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet, the requirement to use the exit price notion when measuring fair value of financial instruments for disclosure purposes, the requirement to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments, the requirement for separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or accompanying notes to the financial statements, and the amendments clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.

 

The amendments in this update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption of the amendments in this update is not permitted, except that early application by public business entities to financial statements of fiscal years or interim periods that have not yet been issued or, by all other entities, that have not yet been made available for issuance are permitted as of the beginning of the fiscal year of adoption for the following amendment: An entity should present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk if the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. An entity should apply the amendments to this update by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

FASB ASU 2016-02, Leases. In February 2016, the FASB issued ASU 2016-02, Leases. Under the new guidance, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date:

 

A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and

 

A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term.
 

Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers.

 

The new lease guidance simplified the accounting for sale and leaseback transactions primarily because lessees must recognize lease assets and lease liabilities. Lessees will no longer be provided with a source of off-balance sheet financing.

 

The amendments in ASU 2016-02 are effective, as to the Company, for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. Management is currently evaluating the impact of adopting this guidance on the Company’s financial statements.

 

FASB ASU 2016-13, Financial Instruments-Credit Losses. In June 2016, the FASB issued ASU 2016-13. The amendments in this ASU replace the incurred loss model for recognition of credit losses with a methodology that reflects expected credit losses over the life of the loan and requires consideration of a broader range of reasonable and supportable information to calculate credit loss estimates. The amendments are effective, as to the Company, for annual reporting periods beginning after December 15, 2020 and for interim periods beginning after December 31, 2021. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations.

 

FASB ASU 2017-08, Receivables-Nonrefundable Fees and Other CostsIn March 2017, the FASB issued ASU 2017-08. The amendment shortens the amortization period for certain callable debt securities purchased at a premium. Upon adoption of the standard, premiums on these qualifying callable debt securities will be amortized to the earliest call date. Discounts on purchased debt securities will continue to be accreted to maturity. This ASU will become effective for the Company for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. Upon transition, entities should apply the guidance on a modified retrospective basis, with a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption and provide the disclosures required for a change in accounting principle. Management has not determined the expected effect of the adoption of ASU 2017-08 on the Company’s financial statements.

 

FASB ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value. In August, 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement," which changes the fair value measurement disclosure requirements of ASC 820. The ASU amends ASC 820 to add, remove, and modify certain fair value measurement disclosure requirements, primarily related to Level 3 fair value measurements. The ASU is effective for all entities for fiscal years beginning after December 15, 2019, including interim periods therein. Early adoption is permitted for any eliminated or modified disclosures upon issuance of this ASU. Management is evaluating the new ASU, but does not expect the ASU to have a material effect on the Company's financial position or results of operations.

XML 25 R15.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loss Per Share
3 Months Ended
Sep. 30, 2018
Earnings Per Share [Abstract]  
Loss Per Share

Note 8: Loss Per Share

 

Basic loss per share (“LPS”) is calculated by dividing net loss applicable to common stock by the weighted-average number of shares of common stock outstanding during the period. Unallocated common shares held by the Company’s Employee Stock Ownership Plan (the “ESOP”) are shown as a reduction in stockholders’ equity and are excluded from weighted-average common shares outstanding for basic and diluted LPS calculations until they are committed to be released.

 

Loss per share for the three months ended September 30, 2018 was $(0.11), calculated using 441,290 shares issued, less 31,054 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2018. Loss per share for the three months ended September 30, 2017 was $(0.20), calculated using 441,290 shares issued, less 32,688 unallocated shares held by the ESOP. The Company had no dilutive or potentially dilutive securities at September 30, 2017.
XML 26 R16.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan (ESOP)
3 Months Ended
Sep. 30, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]  
Employee Stock Ownership Plan (ESOP)
Note 9: Employee Stock Ownership Plan (ESOP)

 

As part of the Company’s stock conversion, shares were purchased by the ESOP with a loan from Community Savings Bancorp, Inc. All employees of the Bank meeting certain tenure requirements are entitled to participate in the ESOP. Compensation expense related to the ESOP was $6,000 for the three months ended September 30, 2018 and 2017.

 

The stock price at the formation date was $10.00. The aggregate fair value of the 31,054 unallocated shares was $450,000 based on the $14.50 closing price of our common stock on September 30, 2018.

XML 27 R17.htm IDEA: XBRL DOCUMENT v3.10.0.1
Summary of Significant Accounting Policies (Policies)
3 Months Ended
Sep. 30, 2018
Accounting Policies [Abstract]  
Basis of Presentation
                Basis of Presentation

   

Community Savings Bancorp, Inc. (the “Company”), headquartered in Caldwell, Ohio, was formed to serve as the stock holding company for Community Savings (the “Bank”) following its mutual-to-stock conversion. The conversion was completed effective January 10, 2017.  The Company issued 441,290 shares at an offering price of $10.00 per share.

 

The Company’s consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions for Form 10-Q and Article 10 of Regulation S-X. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) which are necessary for a fair presentation of the unaudited financial statements have been included to present fairly the financial position as of September 30, 2018 and the results of operations and cash flows for the three months ended September 30, 2018 and 2017. All interim amounts have not been audited and the results of operations for the three months ended September 30, 2018, herein are not necessarily indicative of the results of operations to be expected for the entire fiscal year.

 

The accompanying consolidated balance sheet as of June 30, 2018 has been derived from audited financial statements included in the Company’s Form 10-K. Certain information and footnote disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles have been omitted. Accordingly, these consolidated financial statements should be read in conjunction with the audited financial statements and notes thereto of the Company as of and for the year ended June 30, 2018 included in the Company’s Form 10-K.

Principles of Consolidation

Principles of Consolidation

 

The consolidated financial statements as of and for the periods ended September 30, 2018 and at June 30, 2018, include Community Savings Bancorp, Inc. and its wholly-owned subsidiary, Community Savings (the “Bank”), together referred to as the “Company.” Intercompany transactions and balances have been eliminated in consolidation.
Use of Estimates

Use of Estimates

 

The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates.

 

Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, valuation of deferred tax assets, and fair values of financial instruments.

Recent Accounting Pronouncements
       Recent Accounting Pronouncements

 

FASB ASU 2014-09, Revenue from Contracts with Customers. In May 2014, the Financial Accounting Standards Board (“FASB”) issued amended guidance on revenue recognition from contracts with customers. The standard outlines a single comprehensive model for entities to use in accounting for revenue arising from contracts with customers and supersedes most contract revenue recognition guidance, including industry-specific guidance. The core principle of the amended guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amended guidance is effective, as to the Company, for annual reporting periods beginning after December 15, 2018, and interim periods within annual reporting periods beginning after December 15, 2019, and should be applied either retrospectively to each prior reporting period presented or retrospectively with the cumulative effect of initially applying the amendments recognized at the date of initial application. Early adoption is prohibited. ASU 2014-09 may require the Company to change how it recognizes certain components of noninterest income, but the Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

FASB ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. In January 2016, the FASB issued Accounting Standards Update (“ASU”) 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. For public business entities, the amendments in this update include the elimination of the requirement to disclose the method(s) and significant assumptions used to estimate fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet, the requirement to use the exit price notion when measuring fair value of financial instruments for disclosure purposes, the requirement to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments, the requirement for separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or accompanying notes to the financial statements, and the amendments clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets.

 

The amendments in this update are effective for fiscal years beginning after December 15, 2018, and interim periods within fiscal years beginning after December 15, 2019. Early adoption of the amendments in this update is not permitted, except that early application by public business entities to financial statements of fiscal years or interim periods that have not yet been issued or, by all other entities, that have not yet been made available for issuance are permitted as of the beginning of the fiscal year of adoption for the following amendment: An entity should present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk if the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. An entity should apply the amendments to this update by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The Company does not believe it will have a material impact on the Company’s financial statements or disclosures.

 

FASB ASU 2016-02, Leases. In February 2016, the FASB issued ASU 2016-02, Leases. Under the new guidance, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date:

 

A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and

 

A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term.

  

Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers.

 

The new lease guidance simplified the accounting for sale and leaseback transactions primarily because lessees must recognize lease assets and lease liabilities. Lessees will no longer be provided with a source of off-balance sheet financing.

 

The amendments in ASU 2016-02 are effective, as to the Company, for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. Management is currently evaluating the impact of adopting this guidance on the Company’s financial statements.

 

FASB ASU 2016-13, Financial Instruments-Credit Losses. In June 2016, the FASB issued ASU 2016-13. The amendments in this ASU replace the incurred loss model for recognition of credit losses with a methodology that reflects expected credit losses over the life of the loan and requires consideration of a broader range of reasonable and supportable information to calculate credit loss estimates. The amendments are effective, as to the Company, for annual reporting periods beginning after December 15, 2020 and for interim periods beginning after December 31, 2021. The Company is currently evaluating the impact of these amendments to the Company’s financial position and results of operations.

 

FASB ASU 2017-08, Receivables-Nonrefundable Fees and Other CostsIn March 2017, the FASB issued ASU 2017-08. The amendment shortens the amortization period for certain callable debt securities purchased at a premium. Upon adoption of the standard, premiums on these qualifying callable debt securities will be amortized to the earliest call date. Discounts on purchased debt securities will continue to be accreted to maturity. This ASU will become effective for the Company for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. Upon transition, entities should apply the guidance on a modified retrospective basis, with a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption and provide the disclosures required for a change in accounting principle. Management has not determined the expected effect of the adoption of ASU 2017-08 on the Company’s financial statements.

 

FASB ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value. In August, 2018, the FASB issued ASU 2018-13, "Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement," which changes the fair value measurement disclosure requirements of ASC 820. The ASU amends ASC 820 to add, remove, and modify certain fair value measurement disclosure requirements, primarily related to Level 3 fair value measurements. The ASU is effective for all entities for fiscal years beginning after December 15, 2019, including interim periods therein. Early adoption is permitted for any eliminated or modified disclosures upon issuance of this ASU. Management is evaluating the new ASU, but does not expect the ASU to have a material effect on the Company's financial position or results of operations.

XML 28 R18.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities (Tables)
3 Months Ended
Sep. 30, 2018
Investments, Debt and Equity Securities [Abstract]  
Schedule of amortized cost and approximate fair values, together with gross unrealized gains and losses
   

Amortized

Cost

   

Gross

Unrealized

Gains

   

Gross

Unrealized

Losses

   

Fair

Value

 
    (In thousands)  
Available-for-sale Securities:                                
September 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 3,878     $ 4     $ (105 )   $ 3,777  
Collateralized mortgage obligations of government sponsored entities - residential     205       1       (6 )     200  
State and political subdivisions                                
Taxable     812       1       (3 )     810  
Nontaxable     1,454       -       (36 )     1,418  
                                 
    $ 6,349     $ 6     $ (150 )   $ 6,205  
                                 
                                 
June 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 4,280     $ 6     $ (94 )   $ 4,192  
Collateralized mortgage obligations  of government sponsored entities - residential     218       1       (5 )     214  
State and political subdivisions                                
Taxable     815       1       (3 )     813  
Nontaxable     1,457       1       (26 )     1,432  
                                 
    $ 6,770     $ 9     $ (128 )   $ 6,651  
Schedule of amortized cost and fair value of available-for-sale securities
    Amortized     Fair  
    Cost     Value  
    (In thousands)  
             
Within one year   $ 552     $ 552  
One to five years     -       -  
Five to ten years     289       286  
Beyond ten years     1,425       1,390  
                 
      2,266       2,228  
Mortgage-backed securities of U.S.  government sponsored entities - residential     3,878       3,777  
Collateralized mortgage obligations  of government sponsored entities - residential     205       200  
                 
Totals   $ 6,349     $ 6,205  
Schedule of gross unrealized losses and fair value
    Less than 12 Months     12 Months or Longer     Total  
Description of Securities  

Fair

Value

   

Unrealized

Losses

   

Fair

Value

   

Unrealized

Losses

   

Fair

Value

   

Unrealized

Losses

 
    (In thousands)  
September 30, 2018                                    
Available-for-sale Securities:                                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 1,139     $ (14 )   $ 2,235     $ (91 )   $ 3,374     $ (105 )
Collateralized mortgage obligations of government sponsored entities - residential     -       -       115       (6 )     115       (6 )
State and political subdivisions                                                
Taxable     -       -       507       (3 )     507       (3 )
Nontaxable     861       (7 )     357       (29 )     1,218       (36 )
                                                 
    $ 2,000     $ (21 )   $ 3,214     $ (129 )   $ 5,214     $ (150 )

 

June 30, 2018                                    
Available-for-sale Securities:                                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 1,777     $ (31 )   $ 1,568     $ (63 )   $ 3,345     $ (94 )
Collateralized mortgage obligations of government sponsored entities - residential     121       (5 )     -       -       121       (5 )
State and political subdivisions                                                
Taxable     -       -       510       (3 )     510       (3 )
Nontaxable     531       (3 )     363       (23 )     894       (26 )
                                                 
    $ 2,429     $ (39 )   $ 2,441     $ (89 )   $ 4,870     $ (128 )
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Loans and Allowance for Loan Losses (Tables)
3 Months Ended
Sep. 30, 2018
Receivables [Abstract]  
Schedule of loan components
    September 30,     June 30,  
    2018     2018  
    (In thousands)  
Real estate                
One- to four-family residential   $ 24,811     $ 25,127  
Home equity lines of credit     1,919       1,979  
Commercial and multi-family     1,903       1,927  
Consumer and other     5,483       2,855  
                 
Total loans     34,116       31,888  
                 
Allowance for loan losses     (253 )     (253 )
                 
Net loans   $ 33,863     $ 31,635  
Schedule of allowance for loan losses recorded investment in loans and impairment method
    September 30, 2018  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
                                     
Allowance for loan losses:                                                
Balance, July 1, 2018   $ 171     $ 13     $ 10     $ 23     $ 36     $ 253  
Provision for loan losses     (13 )     -       -       24       (11 )     -  
Charge-offs     -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -  
                                                 
Balance, September 30, 2018   $ 158     $ 13     $ 10     $ 47     $ 25     $ 253  
                                                 
Allowance for loan losses:                                                
Ending balance, individually evaluated for impairment   $ 7     $ -     $ -     $ -     $ -     $ 7  
                                                 
Ending balance, collectively evaluated for impairment   $ 151     $ 13     $ 10     $ 47     $ 25     $ 246  
                                                 
Loans:                                                
Ending balance   $ 24,811     $ 1,919     $ 1,903     $ 5,483             $ 34,116  
                                                 
Ending balance; individually evaluated for impairment   $ 406     $ 5     $ 85     $ -             $ 496  
                                                 
Ending balance; collectively evaluated for impairment   $ 24,405     $ 1,914     $ 1,818     $ 5,483             $ 33,620  
   
    September 30, 2017  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

   

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
Three Months Ended September 30, 2017                                    
Allowance for loan losses:                                                
Balance, July 1, 2017   $ 162     $ 21     $ 8     $ 20       42     $ 253  
Provision for loan losses     10       (6 )     1       -       (5 )     -  
Charge-offs     -       -       -       -       -       -  
Recoveries     -       -       -       -       -       -  
                                                 
Balance, September 30, 2017   $ 172     $ 15     $ 9     $ 20     $ 37     $ 253  
  
    June 30, 2018  
    Real Estate                    
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Unallocated     Total  
    (In thousands)  
                                     
Allowance for loan losses:                                                
Ending balance, individually evaluated for impairment   $ 7     $ -     $ -     $ -     $ -     $ 7  
                                                 
Ending balance, collectively evaluated for impairment   $ 164     $ 13     $ 10     $ 23     $ 36     $ 246  
                                                 
Loans:                                                
Ending balance   $ 25,127     $ 1,979     $ 1,927     $ 2,855             $ 31,888  
                                                 
Ending balance; individually evaluated for impairment   $ 366     $ 5     $ 87     $ -             $ 458  
                                                 
Ending balance; collectively evaluated for impairment   $ 24,761     $ 1,974     $ 1,840     $ 2,855             $ 31,430  
Schedule of credit risk profile based on internal rating category
    Real Estate              
   

1-4 Family

Residential

   

Home Equity

Lines of Credit

 

 

 

Commercial

and Multi-

Family

   

Consumer

and Other

    Total  
    (In thousands)  
September 30, 2018      
Pass   $ 24,105     $ 1,868     $ 1,818     $ 5,483     $ 33,274  
Special mention     -       -       -       -       -  
Substandard     706       51       85       -       842  
Doubtful     -       -       -       -       -  
                                         
Total   $ 24,811     $ 1,919     $ 1,903     $ 5,483     $ 34,116  
                                         
June 30, 2018                                        
Pass   $ 24,507     $ 1,941     $ 1,840     $ 2,855     $ 31,143  
Special mention     -       -       -       -       -  
Substandard     620       38       87       -       745  
Doubtful     -       -       -       -       -  
                                         
Total   $ 25,127     $ 1,979     $ 1,927     $ 2,855     $ 31,888  
Schedule of loan portfolio aging analysis of the recorded investment in loans
          Total Loans  
                90 Days and                       90 Days and  
    30-59 Days     60-89 Days     Greater     Total           Total Loans     Greater and  
    Past Due     Past Due     Past Due     Past Due     Current     Receivable     Accruing  
    (In thousands)        
September 30, 2018            
Real estate                                                        
1-4 family residential   $ 447     $ 59     $ 176     $ 682     $ 24,129     $ 24,811     $ -  
Home equity lines of credit     4       8       -       12       1,907       1,919       -  
Commercial and multi-family     72       -       13       85       1,818       1,903       -  
Consumer and other     27       -       -       27       5,456       5,483       -  
                                                         
Total   $ 550     $ 67     $ 189     $ 806     $ 33,310     $ 34,116     $ -  
                                                         
                                                         
June 30, 2018                                                        
Real estate                                                        
1-4 family residential   $ 271     $ 3     $ 65     $ 339     $ 24,788     $ 25,127     $ -  
Home equity lines of credit     -       4       -       4       1,975       1,979       -  
Commercial and multi-family     74       -       13       87       1,840       1,927       -  
Consumer and other     12       34       -       46       2,809       2,855       -  
                                                         
Total   $ 357     $ 41     $ 78     $ 476     $ 31,412     $ 31,888     $ -  
Schedule of impaired loan information
                      For the Three Months Ended  
    As of September 30, 2018     September 30, 2018  
   

Recorded

Investment

   

Unpaid

Principal

Balance

   

Allowance

for Loan

Losses

Allocated

   

Average

Recorded

Investment

   

Interest

Income

Recognized

 
    (In thousands)  
Loans with no related allowance recorded:                                        
Real estate                                        
1-4 family residential   $ 339     $ 339     $ -     $ 328     $ -  
Home equity lines of credit     5       5       -       5       -  
Commercial and multi-family     85       85       -       85       -  
Consumer and other     -       -       -       -       -  
                                         
Loans with an allowance recorded:                                        
Real estate                                        
1-4 family residential     68       71       7       71       1  
Home equity lines of credit     -       -       -       -       -  
Commercial and multi-family     -       -       -       -       -  
Consumer and other     -       -       -       -       -  
                                         
Totals   $ 497     $ 500     $ 7     $ 489     $ 1  
 
                      For the Three Months Ended  
    As of June 30, 2018     September 30, 2017  
   

Recorded

Investment

   

Unpaid

Principal

Balance

   

Allowance

for Loan

Losses

Allocated

   

Average

Recorded

Investment

   

Interest

Income

Recognized

 
    (In thousands)  
Loans with no related allowance recorded:                                        
Real estate                                        
1-4 family residential   $ 305     $ 305     $ -     $ 307     $ -  
Home equity lines of credit     5       5       -       16       -  
Commercial and multi-family     87       87       -       92       -  
Consumer and other     -       -       -       4       -  
                                         
Loans with an allowance recorded:                                        
Real estate                                        
1-4 family residential     69       71       7       90       1  
Home equity lines of credit     -       -       -       -       -  
Commercial and multi-family     -       -       -       -       -  
Consumer and other     -       -       -       -       -  
                                         
Totals   $ 466     $ 468     $ 7     $ 509     $ 1  
Schedule of nonaccrual loans
    September 30,     June 30,  
    2018     2018  
    (In thousands)  
Real estate                
1-4 family residential   $ 339     $ 305  
Home equity lines of credit     5       5  
Commercial and multi-family     85       87  
Consumer and other     -       -  
                 
Total nonaccrual   $ 429     $ 397  
XML 30 R20.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters (Tables)
3 Months Ended
Sep. 30, 2018
Regulated Operations [Abstract]  
Schedule of regulatory matters
    Actual    

For Capital Adequacy

Purposes

   

To Be Well Capitalized

Under Prompt

Corrective Action

Provisions

 
    Amount     Ratio     Amount     Ratio     Amount     Ratio  
    (Dollars in thousands)  
As of September 30, 2018                                    
Total Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,581       36.8 %   $ 1,868       8.0 %             N/A            N/A  
Bank   $ 7,844       33.6 %   $ 1,868       8.0 %   $ 2,335       10.0 %
                                                 
Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,328       35.7 %   $ 1,401       6.0 %             N/A            N/A  
Bank   $ 7,591       32.5 %   $ 1,401       6.0 %   $ 1,868       8.0 %
                                                 
Common Equity Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,328       35.7 %   $ 1,052       4.5 %             N/A            N/A  
Bank   $ 7,591       32.5 %   $ 1,052       4.5 %   $ 1,517       6.5 %
                                                 
Leverage Capital 
(to Adjusted Average Total Assets)
                                               
Company   $ 8,328       16.3 %   $ 2,047       4.0 %             N/A            N/A  
Bank   $ 7,591       14.8 %   $ 2,047       4.0 %   $ 2,559       5.0 %
                                                 
As of June 30, 2018                                                
Total Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,634       37.0 %   $ 1,868       8.0 %             N/A            N/A  
Bank   $ 7,849       33.6 %   $ 1,868       8.0 %   $ 2,335       10.0 %
                                                 
Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,381       35.9 %   $ 1,401       6.0 %             N/A            N/A  
Bank   $ 7,596       32.5 %   $ 1,401       6.0 %   $ 1,868       8.0 %
                                                 
Common Equity Tier I Capital 
(to Risk-Weighted Assets)
                                               
Company   $ 8,381       35.9 %   $ 1,051       4.5 %             N/A            N/A  
Bank   $ 7,596       32.5 %   $ 1,051       4.5 %   $ 1,517       6.5 %
                                                 
Leverage Capital 
(to Adjusted Average Total Assets)
                                               
Company   $ 8,381       16.4 %   $ 2,047       4.0 %             N/A            N/A  
Bank   $ 7,596       14.8 %   $ 2,047       4.0 %   $ 2,559       5.0 %
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities (Tables)
3 Months Ended
Sep. 30, 2018
Fair Value Disclosures [Abstract]  
Schedule of fair value on a recurring basis
          Fair Value Measurement Using  
    Fair 
Value
    Quoted Prices in
Active Markets for
Identical Assets 
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
 
    (In thousands)  
September 30, 2018                        
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 3,777     $ -     $ 3,777     $ -  
Collateralized mortgage obligations of government sponsored entities - residential     200       -       200       -  
State and political subdivisions                                
Taxable     810       -       810       -  
Nontaxable     1,418       -       1,418       -  
                                 
    $ 6,205     $ -     $ 6,205     $ -  
                                 
June 30, 2018                                
Mortgage-backed securities of U.S. government sponsored entities - residential   $ 4,192     $ -     $ 4,192     $ -  
Collateralized mortgage obligations of government sponsored entities - residential     214       -       214       -  
State and political subdivisions                                
Taxable     813       -       813       -  
Nontaxable     1,432       -       1,432       -  
                                 
    $ 6,651     $ -     $ 6,651     $ -  
Schedule of fair value on a non-recurring
          Fair Value Measurement Using  
    Fair 
Value
    Quoted Prices in
Active Markets
for Identical
Assets 
(Level 1)
    Significant
Other
Observable
Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
 
    (In thousands)  
September 30, 2018                        
Impaired loans                                
Real estate                                
1-4 family residential   $ 61     $ -     $ -     $ 61  
Forclosed assets                                
Residential real estate   $ 9     $ -     $ -     $ 9  
                                 
June 30, 2018                                
Impaired loans                                
Real estate                                
1-4 family residential   $ 62     $ -     $ -     $ 62  
Foreclosed assets                                
Residential real estate   $ 9     $ -     $ -     $ 9  
Schedule of quantitative information about unobservable inputs used in nonrecurring Level 3
    Fair Value     Valuation Technique   Unobservable Inputs   Range
(Weighted
Average)
 
    (In thousands)                
September 30, 2018                        
                         
Impaired loans (collateral dependent) - residential real estate   $ 61     Sales comparison approach   Adjustment for differences between the comparable real estate sales     13 %
                         
Foreclosed assets - residential real estate   $ 9     Sales comparison approach   Adjustment for differences between the comparable real estate sales     52 %
                         
June 30, 2018                        
                         
Impaired loans (collateral dependent) - residential real estate   $ 62     Sales comparison approach   Adjustment for differences between the comparable real estate sales     13 %
                         
Foreclosed assets - residential real estate   $ 9     Sales comparison approach   Adjustment for differences between the comparable real estate sales     52 %
Schedule of fair value and the level within the fair value hierarchy in which the fair value measurement
          Fair Value Measurement Using  
    Carrying
Amount
    Quoted Prices in
Active Markets for
Identical
Assets/Liabilities
(Level 1)
    Significant Other
Observable Inputs
(Level 2)
    Significant
Unobservable
Inputs 
(Level 3)
    Total  
    (In thousands)  
September 30, 2018                                        
Financial assets                                        
Cash and cash equivalents   $ 2,299     $ 2,299     $ -     $ -     $ 2,299  
Interest-earning time deposits     4,595       4,595       -       -       4,595  
Other investment securities     940       -       -       940       940  
Loans, net     33,863       -       -       34,083       34,083  
Accrued interest receivable     141       -       141       -       141  
Bank owned life insurance     775       -       775       -       775  
Financial liabilities                                        
Deposits     40,121       32,831       7,056       -       39,887  
Federal Home Loan Bank advances     1,000       -       1,004       -       1,004  
Payments by borrowers for taxes and insurance     155       -       155       -       155  
                                         
June 30, 2018                                        
Financial assets                                        
Cash and cash equivalents   $ 4,304     $ 4,304     $ -     $ -     $ 4,304  
Interest-earning time deposits     4,595       4,595       -       -       4,595  
Other investment securities     940       -       -       940       940  
Loans, net     31,635       -       -       32,195       32,195  
Accrued interest receivable     135       -       135       -       135  
Bank owned life insurance     769       -       769       -       769  
Financial liabilities                                        
Deposits     40,399       32,473       7,682       -       40,155  
Federal Home Loan Bank advances     1,000       -       1,008       -       1,008  
Payments by borrowers for taxes and insurance     92       -       92       -       92  
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.10.0.1
Accumulated Other Comprehensive Loss (Tables)
3 Months Ended
Sep. 30, 2018
Accumulated Other Comprehensive Loss [Abstract]  
Schedule of changes in accumulated other comprehensive loss by component, net of tax
    Three Months Ended September 30,  
    2018     2017  
    (In thousands)  
Beginning balance   $ (94 )   $ 25  
                 
Other comprehensive loss before tax effect     (25 )     (10 )
                 
Tax effect     5       3  
                 
Net current period other comprehensive loss     (20 )     (7 )
                 
Ending balance   $ (114 )   $ 18  
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.10.0.1
Basis of Presentation (Detail Textuals)
Jan. 10, 2017
$ / shares
shares
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Number of shares issued during mutual-to-stock conversion | shares 441,290
Offering price per share (in dollars per share) | $ / shares $ 10.00
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities - Summary of amortized cost and fair values with gross unrealized gains and losses of securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Available-for-sale Securities:    
Amortized Cost $ 6,349 $ 6,770
Gross Unrealized Gains 6 9
Gross Unrealized Losses (150) (128)
Fair Value 6,205 6,651
Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities:    
Amortized Cost 3,878 4,280
Gross Unrealized Gains 4 6
Gross Unrealized Losses (105) (94)
Fair Value 3,777 4,192
Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities:    
Amortized Cost 205 218
Gross Unrealized Gains 1 1
Gross Unrealized Losses (6) (5)
Fair Value 200 214
State and political subdivisions Taxable    
Available-for-sale Securities:    
Amortized Cost 812 815
Gross Unrealized Gains 1 1
Gross Unrealized Losses (3) (3)
Fair Value 810 813
State and political subdivisions Nontaxable    
Available-for-sale Securities:    
Amortized Cost 1,454 1,457
Gross Unrealized Gains 0 1
Gross Unrealized Losses (36) (26)
Fair Value $ 1,418 $ 1,432
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities - Summary of amortized cost and fair value of available-for-sale securities (Details 1) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Amortized Cost, Available for sale:    
Within one year $ 552  
One to five years 0  
Five to ten years 289  
Beyond ten years 1,425  
Amortized Cost 2,266  
Amortized Cost 6,349 $ 6,770
Fair Value, Available for sale:    
Within one year 552  
One to five years 0  
Five to ten years 286  
Beyond ten years 1,390  
Fair Value 2,228  
Fair Value 6,205 6,651
Mortgage-backed securities of U.S. government sponsored entities - residential    
Amortized Cost, Available for sale:    
Amortized Cost 3,878 4,280
Fair Value, Available for sale:    
Fair Value 3,777 4,192
Collateralized mortgage obligations of government sponsored entities - residential    
Amortized Cost, Available for sale:    
Amortized Cost 205 218
Fair Value, Available for sale:    
Fair Value $ 200 $ 214
XML 36 R26.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities - Summary of investments' gross unrealized losses and fair value (Details 2) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Available-for-sale Securities:    
Less than 12 Months Fair Value $ 2,000 $ 2,429
Less than 12 Months Unrealized Losses (21) (39)
12 Months or Longer Fair Value 3,214 2,441
12 Months or Longer Unrealized Losses (129) (89)
Total Fair Value 5,214 4,870
Total Unrealized Losses (150) (128)
Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities:    
Less than 12 Months Fair Value 1,139 1,777
Less than 12 Months Unrealized Losses (14) (31)
12 Months or Longer Fair Value 2,235 1,568
12 Months or Longer Unrealized Losses (91) (63)
Total Fair Value 3,374 3,345
Total Unrealized Losses (105) (94)
Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities:    
Less than 12 Months Fair Value 0 121
Less than 12 Months Unrealized Losses 0 (5)
12 Months or Longer Fair Value 115 0
12 Months or Longer Unrealized Losses (6) 0
Total Fair Value 115 121
Total Unrealized Losses (6) (5)
State and political subdivisions Taxable    
Available-for-sale Securities:    
Less than 12 Months Fair Value 0 0
Less than 12 Months Unrealized Losses 0 0
12 Months or Longer Fair Value 507 510
12 Months or Longer Unrealized Losses (3) (3)
Total Fair Value 507 510
Total Unrealized Losses (3) (3)
State and political subdivisions Nontaxable    
Available-for-sale Securities:    
Less than 12 Months Fair Value 861 531
Less than 12 Months Unrealized Losses (7) (3)
12 Months or Longer Fair Value 357 363
12 Months or Longer Unrealized Losses (29) (23)
Total Fair Value 1,218 894
Total Unrealized Losses $ (36) $ (26)
XML 37 R27.htm IDEA: XBRL DOCUMENT v3.10.0.1
Securities (Detail Textuals) - USD ($)
3 Months Ended 12 Months Ended
Sep. 30, 2018
Jun. 30, 2018
Schedule of Available-for-sale Securities [Line Items]    
Carrying value of pledged securities $ 1,600,000 $ 1,700,000
Amount of interest earned through time deposit 635,000 635,000
Amount of interest earned through demand deposit 125,000 125,000
Federal Home Loan Bank    
Schedule of Available-for-sale Securities [Line Items]    
Amount of other investment security in stock 915,000 915,000
Data service provider    
Schedule of Available-for-sale Securities [Line Items]    
Amount of other investment security in stock $ 2,500 $ 2,500
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of loan receivables (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Sep. 30, 2017
Jun. 30, 2017
Loans and Leases Receivable Disclosure [Line Items]        
Total loans $ 34,116 $ 31,888    
Allowance for loan losses (253) (253) $ (253) $ (253)
Net loans 33,863 31,635    
Real estate | One- to four-family residential        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans 24,811 25,127    
Allowance for loan losses (158) (171) (172) (162)
Real estate | Home equity lines of credit        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans 1,919 1,979    
Allowance for loan losses (13) (13) (15) (21)
Real estate | Commercial and multi-family        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans 1,903 1,927    
Allowance for loan losses (10) (10) (9) (8)
Consumer and other        
Loans and Leases Receivable Disclosure [Line Items]        
Total loans 5,483 2,855    
Allowance for loan losses $ (47) $ (23) $ (20) $ (20)
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of allowance for loan losses by portfolio segment with recorded investment in loans and impairment method (Details 1) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Jun. 30, 2018
Allowance for loan losses:      
Balance $ 253 $ 253  
Provision for loan losses 0 0  
Charge-offs 0 0  
Recoveries 0 0  
Balance 253 253  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 7   $ 7
Ending balance, collectively evaluated for impairment 246   246
Loans:      
Ending balance 34,116   31,888
Ending balance; individually evaluated for impairment 496   458
Ending balance; collectively evaluated for impairment 33,620   31,430
Real Estate | 1-4 Family Residential      
Allowance for loan losses:      
Balance 171 162  
Provision for loan losses (13) 10  
Charge-offs 0 0  
Recoveries 0 0  
Balance 158 172  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 7   7
Ending balance, collectively evaluated for impairment 151   164
Loans:      
Ending balance 24,811   25,127
Ending balance; individually evaluated for impairment 406   366
Ending balance; collectively evaluated for impairment 24,405   24,761
Real Estate | Home Equity Lines of Credit      
Allowance for loan losses:      
Balance 13 21  
Provision for loan losses 0 (6)  
Charge-offs 0 0  
Recoveries 0 0  
Balance 13 15  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 0   0
Ending balance, collectively evaluated for impairment 13   13
Loans:      
Ending balance 1,919   1,979
Ending balance; individually evaluated for impairment 5   5
Ending balance; collectively evaluated for impairment 1,914   1,974
Real Estate | Commercial and Multi-Family      
Allowance for loan losses:      
Balance 10 8  
Provision for loan losses 0 1  
Charge-offs 0 0  
Recoveries 0 0  
Balance 10 9  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 0   0
Ending balance, collectively evaluated for impairment 10   10
Loans:      
Ending balance 1,903   1,927
Ending balance; individually evaluated for impairment 85   87
Ending balance; collectively evaluated for impairment 1,818   1,840
Consumer and Other      
Allowance for loan losses:      
Balance 23 20  
Provision for loan losses 24 0  
Charge-offs 0 0  
Recoveries 0 0  
Balance 47 20  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 0   0
Ending balance, collectively evaluated for impairment 47   23
Loans:      
Ending balance 5,483   2,855
Ending balance; individually evaluated for impairment 0   0
Ending balance; collectively evaluated for impairment 5,483   2,855
Unallocated      
Allowance for loan losses:      
Balance 36 42  
Provision for loan losses (11) (5)  
Charge-offs 0 0  
Recoveries 0 0  
Balance 25 $ 37  
Allowance for loan losses:      
Ending balance, individually evaluated for impairment 0   0
Ending balance, collectively evaluated for impairment $ 25   $ 36
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of credit risk profile of loan portfolio based on internal rating category and payment activity (Details 2) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Financing Receivable, Recorded Investment [Line Items]    
Total $ 34,116 $ 31,888
Pass    
Financing Receivable, Recorded Investment [Line Items]    
Total 33,274 31,143
Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total 842 745
Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | 1-4 Family Residential    
Financing Receivable, Recorded Investment [Line Items]    
Total 24,811 25,127
Real Estate | 1-4 Family Residential | Pass    
Financing Receivable, Recorded Investment [Line Items]    
Total 24,105 24,507
Real Estate | 1-4 Family Residential | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | 1-4 Family Residential | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total 706 620
Real Estate | 1-4 Family Residential | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | Home Equity Lines of Credit    
Financing Receivable, Recorded Investment [Line Items]    
Total 1,919 1,979
Real Estate | Home Equity Lines of Credit | Pass    
Financing Receivable, Recorded Investment [Line Items]    
Total 1,868 1,941
Real Estate | Home Equity Lines of Credit | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | Home Equity Lines of Credit | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total 51 38
Real Estate | Home Equity Lines of Credit | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | Commercial and Multi-Family    
Financing Receivable, Recorded Investment [Line Items]    
Total 1,903 1,927
Real Estate | Commercial and Multi-Family | Pass    
Financing Receivable, Recorded Investment [Line Items]    
Total 1,818 1,840
Real Estate | Commercial and Multi-Family | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Real Estate | Commercial and Multi-Family | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total 85 87
Real Estate | Commercial and Multi-Family | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Consumer and Other    
Financing Receivable, Recorded Investment [Line Items]    
Total 5,483 2,855
Consumer and Other | Pass    
Financing Receivable, Recorded Investment [Line Items]    
Total 5,483 2,855
Consumer and Other | Special mention    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Consumer and Other | Substandard    
Financing Receivable, Recorded Investment [Line Items]    
Total 0 0
Consumer and Other | Doubtful    
Financing Receivable, Recorded Investment [Line Items]    
Total $ 0 $ 0
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of loan portfolio aging analysis of recorded investment in loans (Details 3) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 806 $ 476
Current 33,310 31,412
Total Loans Receivable 34,116 31,888
Total Loans 90 Days and Greater and Accruing 0 0
30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 550 357
60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 67 41
90 Days and Greater Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 189 78
Real estate | 1-4 Family Residential    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 682 339
Current 24,129 24,788
Total Loans Receivable 24,811 25,127
Total Loans 90 Days and Greater and Accruing 0 0
Real estate | 1-4 Family Residential | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 447 271
Real estate | 1-4 Family Residential | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 59 3
Real estate | 1-4 Family Residential | 90 Days and Greater Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 176 65
Real estate | Home equity lines of credit    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 12 4
Current 1,907 1,975
Total Loans Receivable 1,919 1,979
Total Loans 90 Days and Greater and Accruing 0 0
Real estate | Home equity lines of credit | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 4 0
Real estate | Home equity lines of credit | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 8 4
Real estate | Home equity lines of credit | 90 Days and Greater Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Real estate | Commercial and multi-family    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 85 87
Current 1,818 1,840
Total Loans Receivable 1,903 1,927
Total Loans 90 Days and Greater and Accruing 0 0
Real estate | Commercial and multi-family | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 72 74
Real estate | Commercial and multi-family | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Real estate | Commercial and multi-family | 90 Days and Greater Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 13 13
Consumer and other    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 27 46
Current 5,456 2,809
Total Loans Receivable 5,483 2,855
Total Loans 90 Days and Greater and Accruing 0 0
Consumer and other | 30-59 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 27 12
Consumer and other | 60-89 Days Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 34
Consumer and other | 90 Days and Greater Past Due    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 0 $ 0
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of impaired loan information (Details 4) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Jun. 30, 2018
Loans with an allowance recorded:      
Allowance for Loan Losses Allocated $ 7   $ 7
Impaired Loans With And Without Allowances [Abstract]      
Recorded investment total 497   466
Unpaid principal balance, total 500   468
Average recorded investment total 489 $ 509  
Interest Income recognized total 1 1  
Real estate | 1-4 Family Residential      
Loans with no related allowance recorded:      
Recorded Investment 339   305
Unpaid Principal Balance 339   305
Average Recorded Investment 328 307  
Interest Income Recognized 0 0  
Loans with an allowance recorded:      
Recorded Investment 68   69
Unpaid Principal Balance 71   71
Allowance for Loan Losses Allocated 7   7
Average Recorded Investment 71 90  
Interest Income Recognized 1 1  
Real estate | Home equity lines of credit      
Loans with no related allowance recorded:      
Recorded Investment 5   5
Unpaid Principal Balance 5   5
Average Recorded Investment 5 16  
Interest Income Recognized 0 0  
Loans with an allowance recorded:      
Recorded Investment 0   0
Unpaid Principal Balance 0   0
Allowance for Loan Losses Allocated 0   0
Average Recorded Investment 0 0  
Interest Income Recognized 0 0  
Real estate | Commercial and multi-family      
Loans with no related allowance recorded:      
Recorded Investment 85   87
Unpaid Principal Balance 85   87
Average Recorded Investment 85 92  
Interest Income Recognized 0 0  
Loans with an allowance recorded:      
Recorded Investment 0   0
Unpaid Principal Balance 0   0
Allowance for Loan Losses Allocated 0   0
Average Recorded Investment 0 0  
Interest Income Recognized 0 0  
Consumer and other      
Loans with no related allowance recorded:      
Recorded Investment 0   0
Unpaid Principal Balance 0   0
Average Recorded Investment 0 4  
Interest Income Recognized 0 0  
Loans with an allowance recorded:      
Recorded Investment 0   0
Unpaid Principal Balance 0   0
Allowance for Loan Losses Allocated 0   $ 0
Average Recorded Investment 0 0  
Interest Income Recognized $ 0 $ 0  
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses - Summary of nonaccrual loans excludes performing troubled debt restructurings (Details 5) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Financing Receivable, Modifications [Line Items]    
Total nonaccrual $ 429 $ 397
Real estate | 1-4 Family Residential    
Financing Receivable, Modifications [Line Items]    
Total nonaccrual 339 305
Real estate | Home equity lines of credit    
Financing Receivable, Modifications [Line Items]    
Total nonaccrual 5 5
Real estate | Commercial and multi-family    
Financing Receivable, Modifications [Line Items]    
Total nonaccrual 85 87
Consumer and other    
Financing Receivable, Modifications [Line Items]    
Total nonaccrual $ 0 $ 0
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loans and Allowance for Loan Losses (Detail Textuals) - USD ($)
3 Months Ended 12 Months Ended
Sep. 30, 2018
Jun. 30, 2018
Receivables [Abstract]    
Amount of premium on loans purchased $ 73,000 $ 81,000
Loans modified under troubled debt restructuring in previous years 68,000 69,000
Troubled debt restructured loans, specific allowances $ 7,000 $ 7,000
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters - Summary of actual capital amounts and ratios (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Total Capital (to Risk-Weighted Assets) Actual, Amount $ 8,581 $ 8,634
Total Capital (to Risk-Weighted Assets) Actual, Ratio 36.80% 37.00%
Total Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,868 $ 1,868
Total Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 8.00% 8.00%
Tier I Capital (to Risk-Weighted Assets) Actual, Amount $ 8,328 $ 8,381
Tier I Capital (to Risk-Weighted Assets) Actual, Ratio 35.70% 35.90%
Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,401 $ 1,401
Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 6.00% 6.00%
Common Equity Tier I Capital (to Risk-Weighted Assets) Actual, Amount $ 8,328 $ 8,381
Common Equity Tier I Capital (to Risk-Weighted Assets) Actual, Ratio 35.70% 35.90%
Common Equity Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,052 $ 1,051
Common Equity Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 4.50% 4.50%
Leverage Capital (to Adjusted Average Total Assets) Actual, Amount $ 8,328 $ 8,381
Leverage Capital (to Adjusted Average Total Assets) Actual, Ratio 16.30% 16.40%
Leverage Capital (to Adjusted Average Total Assets) For Capital Adequacy Purposes, Amount $ 2,047 $ 2,047
Leverage Capital (to Adjusted Average Total Assets) For Capital Adequacy Purposes, Ratio 4.00% 4.00%
Bank    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Total Capital (to Risk-Weighted Assets) Actual, Amount $ 7,844 $ 7,849
Total Capital (to Risk-Weighted Assets) Actual, Ratio 33.60% 33.60%
Total Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,868 $ 1,868
Total Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 8.00% 8.00%
Total Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 2,335 $ 2,335
Total Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 10.00% 10.00%
Tier I Capital (to Risk-Weighted Assets) Actual, Amount $ 7,591 $ 7,596
Tier I Capital (to Risk-Weighted Assets) Actual, Ratio 32.50% 32.50%
Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,401 $ 1,401
Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 6.00% 6.00%
Tier I Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 1,868 $ 1,868
Tier I Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 8.00% 8.00%
Common Equity Tier I Capital (to Risk-Weighted Assets) Actual, Amount $ 7,591 $ 7,596
Common Equity Tier I Capital (to Risk-Weighted Assets) Actual, Ratio 32.50% 32.50%
Common Equity Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Amount $ 1,052 $ 1,051
Common Equity Tier I Capital (to Risk-Weighted Assets) For Capital Adequacy Purposes, Ratio 4.50% 4.50%
Common Equity Tier I Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 1,517 $ 1,517
Common Equity Tier I Capital (to Risk-Weighted Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 6.50% 6.50%
Leverage Capital (to Adjusted Average Total Assets) Actual, Amount $ 7,591 $ 7,596
Leverage Capital (to Adjusted Average Total Assets) Actual, Ratio 14.80% 14.80%
Leverage Capital (to Adjusted Average Total Assets) For Capital Adequacy Purposes, Amount $ 2,047 $ 2,047
Leverage Capital (to Adjusted Average Total Assets) For Capital Adequacy Purposes, Ratio 4.00% 4.00%
Leverage Capital (to Adjusted Average Total Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 2,559 $ 2,559
Leverage Capital (to Adjusted Average Total Assets) To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 5.00% 5.00%
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.10.0.1
Regulatory Matters (Details Textuals)
3 Months Ended
Sep. 30, 2018
Minimum  
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Common equity Tier I Capital conservation buffer of risk weighted assets 0.00%
Maximum  
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Common equity Tier I Capital conservation buffer of risk weighted assets 2.50%
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities - Summary of fair value measurement of assets recognized (Details) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities $ 6,205 $ 6,651
Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 3,777 4,192
Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 200 214
State and political subdivisions Taxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 810 813
State and political subdivisions Nontaxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 1,418 1,432
Fair Value Measurements Recurring    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 6,205 6,651
Fair Value Measurements Recurring | Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 3,777 4,192
Fair Value Measurements Recurring | Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 200 214
Fair Value Measurements Recurring | State and political subdivisions Taxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 810 813
Fair Value Measurements Recurring | State and political subdivisions Nontaxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 1,418 1,432
Fair Value Measurements Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and political subdivisions Taxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and political subdivisions Nontaxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Significant Other Observable Inputs (Level 2)    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 6,205 6,651
Fair Value Measurements Recurring | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 3,777 4,192
Fair Value Measurements Recurring | Significant Other Observable Inputs (Level 2) | Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 200 214
Fair Value Measurements Recurring | Significant Other Observable Inputs (Level 2) | State and political subdivisions Taxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 810 813
Fair Value Measurements Recurring | Significant Other Observable Inputs (Level 2) | State and political subdivisions Nontaxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 1,418 1,432
Fair Value Measurements Recurring | Significant Unobservable Inputs (Level 3)    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities of U.S. government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Significant Unobservable Inputs (Level 3) | Collateralized mortgage obligations of government sponsored entities - residential    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Significant Unobservable Inputs (Level 3) | State and political subdivisions Taxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities 0 0
Fair Value Measurements Recurring | Significant Unobservable Inputs (Level 3) | State and political subdivisions Nontaxable    
Available-for-sale Securities [Abstract]    
Available-for-sale securities, debt securities $ 0 $ 0
XML 48 R38.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities - Summary of fair value measurements of assets measured at fair value on non-recurring basis (Details 1) - Fair Value, Measurements, Nonrecurring - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
1-4 Family Residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans $ 61 $ 62
Residential real estate    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets 9 9
Quoted Prices in Active Markets for Identical Assets (Level 1) | 1-4 Family Residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 0 0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential real estate    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets 0 0
Significant Other Observable Inputs (Level 2) | 1-4 Family Residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 0 0
Significant Other Observable Inputs (Level 2) | Residential real estate    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets 0 0
Significant Unobservable Inputs (Level 3) | 1-4 Family Residential    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 61 62
Significant Unobservable Inputs (Level 3) | Residential real estate    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets $ 9 $ 9
XML 49 R39.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities - Summary of unobservable inputs used in nonrecurring Level 3 fair value measurements (Details 2) - Fair Value, Measurements, Nonrecurring - Residential real estate
$ in Thousands
Sep. 30, 2018
USD ($)
Percent
Jun. 30, 2018
USD ($)
Percent
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets | $ $ 9 $ 9
Level 3    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Forclosed assets | $ $ 9 $ 9
Level 3 | Weighted Average | Sales comparison approach | Adjustment for differences between the comparable real estate sales    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans measurement input | Percent 13 13
Foreclosed assets measurement input | Percent 52 52
XML 50 R40.htm IDEA: XBRL DOCUMENT v3.10.0.1
Disclosures about Fair Value of Assets and Liabilities - Summary of Summary of carrying amount and estimated fair values of financial instruments (Details 3) - USD ($)
$ in Thousands
Sep. 30, 2018
Jun. 30, 2018
Sep. 30, 2017
Jun. 30, 2017
Financial assets        
Cash and cash equivalents $ 2,299 $ 4,304 $ 2,644 $ 8,699
Interest-earning time deposits 4,595 4,595    
Other investment securities 940 940    
Loans, net 33,863 31,635    
Accrued interest receivable 141 135    
Bank owned life insurance 775 769    
Financial liabilities        
Deposits 40,121 40,399    
Payments by borrowers for taxes and insurance 155 92    
Quoted Prices in Active Markets for Identical Assets/Liabilities (Level 1)        
Financial assets        
Cash and cash equivalents 2,299 4,304    
Interest-earning time deposits 4,595 4,595    
Other investment securities 0 0    
Loans, net 0 0    
Accrued interest receivable 0 0    
Bank owned life insurance 0 0    
Financial liabilities        
Deposits 32,831 32,473    
Federal Home Loan Bank advances 0 0    
Payments by borrowers for taxes and insurance 0 0    
Significant Other Observable Inputs (Level 2)        
Financial assets        
Cash and cash equivalents 0 0    
Interest-earning time deposits 0 0    
Other investment securities 0 0    
Loans, net 0 0    
Accrued interest receivable 141 135    
Bank owned life insurance 775 769    
Financial liabilities        
Deposits 7,056 7,682    
Federal Home Loan Bank advances 1,004 1,008    
Payments by borrowers for taxes and insurance 155 92    
Significant Unobservable Inputs (Level 3)        
Financial assets        
Cash and cash equivalents 0 0    
Interest-earning time deposits 0 0    
Other investment securities 940 940    
Loans, net 34,083 32,195    
Accrued interest receivable 0 0    
Bank owned life insurance 0 0    
Financial liabilities        
Deposits 0 0    
Federal Home Loan Bank advances 0 0    
Payments by borrowers for taxes and insurance 0 0    
Carrying Amount        
Financial assets        
Cash and cash equivalents 2,299 4,304    
Interest-earning time deposits 4,595 4,595    
Other investment securities 940 940    
Loans, net 33,863 31,635    
Accrued interest receivable 141 135    
Bank owned life insurance 775 769    
Financial liabilities        
Deposits 40,121 40,399    
Federal Home Loan Bank advances 1,000 1,000    
Payments by borrowers for taxes and insurance 155 92    
Fair Value        
Financial assets        
Cash and cash equivalents 2,299 4,304    
Interest-earning time deposits 4,595 4,595    
Other investment securities 940 940    
Loans, net 34,083 32,195    
Accrued interest receivable 141 135    
Bank owned life insurance 775 769    
Financial liabilities        
Deposits 39,887 40,155    
Federal Home Loan Bank advances 1,004 1,008    
Payments by borrowers for taxes and insurance $ 155 $ 92    
XML 51 R41.htm IDEA: XBRL DOCUMENT v3.10.0.1
Accumulated Other Comprehensive Loss - Summary of changes in accumulated other comprehensive loss (Details) - USD ($)
$ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
AOCI Attributable to Parent, Net of Tax [Roll Forward]    
Beginning balance $ (94) $ 25
Other comprehensive loss before tax effect (25) (10)
Tax effect 5 3
Net current period other comprehensive loss (20) (7)
Ending balance $ (114) $ 18
XML 52 R42.htm IDEA: XBRL DOCUMENT v3.10.0.1
Loss Per Share (Details Textuals) - $ / shares
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Jun. 30, 2018
Earnings Per Share [Abstract]      
Loss per share - basic and diluted $ (0.11) $ (0.20)  
Common stock, shares, issued 441,290 441,290 441,290
Number of unallocated shares held by ESOP 31,054 32,688  
XML 53 R43.htm IDEA: XBRL DOCUMENT v3.10.0.1
Employee Stock Ownership Plan (ESOP) (Details Textuals) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended
Sep. 30, 2018
Sep. 30, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]    
Compensation expense related to the ESOP $ 6,000 $ 6,000
Stock price of ESOP at the formation date $ 10.00  
Number of unallocated shares 31,054 32,688
Aggregate fair value of unallocated shares $ 450,000  
Closing price of common stock $ 14.50  
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