REGULATORY CAPITAL

6 Months Ended

Dec. 31, 2015

Regulatory Capital Requirements [Abstract]

REGULATORY CAPITAL

NOTE 2—REGULATORY CAPITAL

At December 31, 2015 and June 30, 2015, actual capital levels and minimum required levels were:

									To Be Well
					Minimum Required				Capitalized Under
					For Capital				Prompt Corrective
	Actual				Adequacy Purposes				Action Regulations
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2015
Tier I capital (to average assets)
Bank	$	124,890	10.69	%	$	46,751	4.00	%	$	58,438	5.00	%
Consolidated	129,316		11.05		46,819		4.00		58,524		5.00
Tier I capital (to risk-weighted assets)
Bank	124,890		12.52		59,837		6.00		79,783		8.00
Consolidated	129,316		12.95		59,928		6.00		79,904		8.00
Common equity tier I capital (to risk-weighted assets)
Bank	124,890		12.52		44,878		4.50		64,824		6.50
Consolidated	105,316		10.54		44,946		4.50		64,922		6.50
Risk-based capital (to risk-weighted assets)
Bank	136,395		13.68		79,783		8.00		99,729		10.00
Consolidated	140,821		14.10		79,904		8.00		99,880		10.00
June 30, 2015
Tier I capital (to average assets)
Bank	$	121,306	10.39	%	$	46,713	4.00	%	$	58,391	5.00	%
Consolidated	125,550		10.73		46,811		4.00		58,514		5.00
Tier I capital (to risk-weighted assets)
Bank	121,306		12.16		59,831		6.00		79,774		8.00
Consolidated	125,550		12.58		59,904		6.00		79,872		8.00
Tier I common equity capital (to risk-weighted assets)
Bank	121,306		12.16		44,873		4.50		64,816		6.50
Consolidated	101,550		10.17		44,928		4.50		64,896		6.50
Risk-based capital (to risk-weighted assets)
Bank	132,485		13.29		79,774		8.00		99,718		10.00
Consolidated	136,829		13.70		79,872		8.00		99,840		10.00

The Company was categorized as "well capitalized" at December 31, 2015 and June 30, 2015.