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NOTE 3: Loans and Allowance for Loan Losses: Loans and Leases Receivable, Troubled Debt Restructuring Policy (Policies)
12 Months Ended
Jun. 30, 2018
Policies  
Loans and Leases Receivable, Troubled Debt Restructuring Policy

At June 30, 2018, and June 30, 2017, the Company had $8.1 million and $5.2 million, respectively, of commercial real estate loans, $800,000 and $1.8 million, respectively, of residential real estate loans, $2.8 million and $3.9 million, respectively, of commercial loans, and $14,000 and $0, respectively, of consumer loans that were modified in TDRs and impaired.  All loans classified as TDRs at June 30, 2018 and June 30, 2017, were so classified due to interest rate concessions.  During Fiscal 2018, 4 residential real estate loans totaling $303,000, 2commercial loans totaling $63,000, 1 commercial real estate loans totaling $55,000, and 2 consumer loans totaling $25,000 were modified as TDRs and had payment defaults subsequent to the modification.  When loans modified as TDRs have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowance reflect amounts considered uncollectible.