CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash Flows From Operating Activities:
Net Income	$ 36,652,000	$ 23,676,000
Items not requiring (providing) cash:
Depreciation	4,452,000	3,429,000
Gain on disposal of fixed assets	(13,000)	(317,000)
Stock option and stock grant expense	940,000	761,000
Loss on sale/write-down of REO	55,000	140,000
Amortization of intangible assets	3,053,000	1,615,000
Accretion of purchase accounting adjustments	(4,277,000)	(2,166,000)
Increase in cash surrender value of bank owned life insurance (BOLI)	(1,413,000)	(1,006,000)
Provision for credit losses	2,700,000	16,266,000
Loss realized on sale of AFS securities	1,489,000
Net (accretion) amortization of premiums and discounts on securities	(500,000)	646,000
Originations of loans held for sale	(16,263,000)	(14,673,000)
Proceeds from sales of loans held for sale	16,021,000	14,723,000
Gain on sales of loans held for sale	(616,000)	(550,000)
Changes in:
Accrued interest receivable	(2,936,000)	(2,901,000)
Prepaid expenses and other assets	(848,000)	(815,000)
Accounts payable and other liabilities	8,889,000	136,000
Deferred income taxes	420,000	(1,981,000)
Accrued interest payable	7,242,000	2,383,000
Net cash provided by operating activities	55,047,000	39,366,000
Cash flows from investing activities:
Net increase in loans	(149,660,000)	(311,095,000)
Net change in interest-bearing deposits	744,000	1,244,000
Proceeds from maturities of available for sale securities	28,032,000	27,987,000
Proceeds from sales of available for sale securities	29,375,000	136,714,000
Net redemptions (purchases) of Federal Home Loan Bank stock	2,873,000	(788,000)
Net purchases of Federal Reserve Bank of St. Louis stock	(6,000)	(2,701,000)
Purchases of available-for-sale securities	(70,848,000)	(131,827,000)
Purchases of long-term investment	(160,000)	(165,000)
Purchases of premises and equipment	(7,125,000)	(4,225,000)
Net cash received in acquisition		210,704,000
Investments in state & federal tax credits	(6,494,000)	(4,423,000)
Proceeds from sale of fixed assets	16,000	3,464,000
Proceeds from sale of foreclosed assets	992,000	1,122,000
Proceeds from BOLI claim		270,000
Net cash used in investing activities	(172,261,000)	(73,719,000)
Cash flows from financing activities:
Net decrease in demand deposits and savings accounts	(10,304,000)	(104,729,000)
Net increase in certificates of deposits	280,292,000	193,749,000
Net decrease in securities sold under agreements to repurchase		(27,629,000)
Proceeds from Federal Home Loan Bank advances	271,000,000	1,579,630,000
Repayments of Federal Home Loan Bank advances	(302,539,000)	(1,572,668,000)
Exercise of stock options	391,000
Purchase of treasury stock	(187,000)
Dividends paid on common stock	(7,145,000)	(6,252,000)
Net cash provided by financing activities	231,508,000	62,101,000
Increase in cash and cash equivalents	114,294,000	27,748,000
Cash and cash equivalents at beginning of period	53,979,000	86,792,000
Cash and cash equivalents at end of period	168,273,000	114,540,000
Noncash investing and financing activities:
Conversion of loans to foreclosed real estate	1,742,000	1,073,000
Conversion of loans to repossessed assets	191,000	58,000
Right of use assets obtained in exchange for lease obligations: Operating Leases	734,000	82,000
Cash paid during the period for:
Interest (net of interest credited)	5,984,000	3,717,000
Income taxes	$ 1,882,000	4,062,000
Citizens Bancshares Company
In conjunction with the acquisition, liabilities were assumed as follows:
Fair value of assets acquired		1,019,722,000
Less: common stock issued		98,280,000
Cash paid		34,889,000
Liabilities assumed		$ 886,553,000