CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	12 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2010
Interest and dividends income
Loans	$ 28,382,546	$ 30,214,747	$ 35,192,001
Mortgage-backed securities	289,690	1,749,216	2,537,522
Federal Home Loan Bank stock dividends	537,608	560,354	592,469
Securities	316,180	241,238	205,209
Federal funds sold and interest-bearing deposits	321,889	216,221	37,777
Total interest and dividends income	29,847,913	32,981,776	38,564,978
Interest expense
Deposits	6,793,493	9,247,128	14,353,734
Short-term borrowings			50
Long-term borrowings	1,080,898	2,913,075	3,617,118
Subordinated debt			574,499
Total interest expense	7,874,391	12,160,203	18,545,401
Net interest income	21,973,522	20,821,573	20,019,577
Provision for loan losses	6,982,000	13,540,000	14,928,000
Net interest income after provision for loan losses	14,991,522	7,281,573	5,091,577
Non-interest income
Service charges and other fees	838,333	694,547	714,455
Mortgage banking activities, net	9,137,364	6,615,079	4,603,043
Gain on sale of SBA loans	455,993	114,453
Increase in cash surrender value of bank-owned life insurance	228,573	276,056	250,019
Gain on sale of mortgage-backed securities		1,232,112
Gain on sale of equity securities			23,871
Loss on real estate owned	(673,950)	(498,995)	(247,674)
Provision for real estate owned losses	(1,728,797)	(1,303,154)	(1,957,286)
Gain on the cancellation of subordinated debt			17,627,438
Other, net	857,705	807,689	521,838
Total non-interest income	9,115,221	7,937,787	21,535,704
Non-interest expense
Compensation and benefits	11,461,869	10,710,612	9,360,246
Office occupancy and equipment	2,351,359	2,471,196	2,577,334
FDIC insurance	1,727,508	2,131,524	2,472,902
Professional and legal	410,000	486,077	857,605
Outside services	3,590,266	2,778,151	2,829,142
Franchise tax	881,994	818,726	895,834
Real estate owned and collection expense	2,534,228	2,945,405	3,087,571
Other	2,699,595	2,446,950	2,374,941
Total non-interest expense	25,656,819	24,788,641	24,455,575
Income (loss) before federal income taxes	(1,550,076)	(9,569,281)	2,171,706
Federal income tax provision (benefit)	(218,999)	121,839	730,849
Net income (loss)	$ (1,331,077)	$ (9,691,120)	$ 1,440,857
Basic earnings (loss) per share	$ (0.05)	$ (0.38)	$ 0.11
Diluted earnings (loss) per share	$ (0.05)	$ (0.38)	$ 0.11
Dividend declared per common share