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Document and Entity Information - USD ($)	3 Months Ended
Document and Entity Information - USD ($)	Mar. 31, 2013	May 09, 2013	Sep. 21, 2012
Document and Entity Information:
Entity Registrant Name	HomeTrust Bancshares, Inc.
Document Type	10-Q
Document Period End Date	Mar. 31, 2013
Amendment Flag	false
Entity Central Index Key	0001538263
Current Fiscal Year End Date	--06-30
Entity Common Stock, Shares Outstanding		20,824,900
Entity Public Float			$ 267,400,000
Entity Filer Category	Smaller Reporting Company
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Document Fiscal Year Focus	2013
Document Fiscal Period Focus	Q3

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Balance Sheets (March 31, 2013 figures unaudited) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Assets
Cash	$ 9,507	$ 13,909
Interest-bearing deposits	122,271	210,892
Cash and cash equivalents	131,778	224,801
Certificates of deposit in other banks	132,300	108,010
Securities available for sale, at fair value	27,851	31,335
Loans held for sale	8,997	10,787
Total loans, net of deferred loan fees and discount	1,171,584	1,229,045
Allowance for loan losses	(32,961)	(35,100)
Net loans	1,138,623	1,193,945
Premises and equipment, net	22,587	23,106
Federal Home Loan Bank stock, at cost	1,854	6,300
Accrued interest receivable	5,470	6,008
Real estate owned	13,441	16,130
Deferred income taxes	48,516	48,927
Other assets	64,784	50,707
Total Assets	1,596,201	1,720,056
Liabilities
Deposits	1,166,374	1,466,175
Other borrowings		22,265
Capital lease obligations	2,018	2,024
Other liabilities	55,453	57,107
Total liabilities	1,223,845	1,547,571
Stockholders' Equity
Common stock, $0.01 par value, 60,000,000 shares authorized, 20,785,783 shares issued and outstanding at March 31, 2013; none at June 30, 2012	214
Additional paid in capital	235,184	31,367
Retained earnings	146,972	140,937
Unearned Employee Stock Ownership Plan (ESOP) shares	(10,183)
Accumulated other comprehensive income	169	181
Total stockholders' equity	372,356	172,485
Total Liabilities and Stockholders' Equity	$ 1,596,201	$ 1,720,056

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Balance Sheets (Parentheticals) (March 31, 2013 figures unaudited)	Mar. 31, 2013 $ / shares shares
Statements of Financial Condition
Preferred stock par value \| $ / shares	$ 0.01
Preferred stock authorized shares	10,000,000
Preferred stock issued shares	0
Preferred stock shares outstanding	0
Common stock par value \| $ / shares	$ 0.01
Common stock shares authorized	60,000,000
Common stock shares issued	20,785,783
Common stock shares outstanding	20,785,783

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Mar. 31, 2013	Mar. 31, 2012
Interest and Dividend Income
Loans	$ 14,208	$ 16,164	$ 44,403	$ 49,715
Securities available for sale	81	123	258	320
Certificates of deposit and other interest-bearing deposits	377	336	1,160	1,006
Federal Home Loan Bank stock	17	25	70	62
Total interest and dividend income	14,683	16,648	45,891	51,103
Interest Expense
Deposits	1,643	2,353	5,480	8,093
Other borrowings	4	388	280	1,156
Total interest expense	1,647	2,741	5,760	9,249
Net Interest Income	13,036	13,907	40,131	41,854
Provision for Loan Losses	500	4,500	2,300	13,600
Net Interest Income after Provision for Loan Losses	12,536	9,407	37,831	28,254
Noninterest Income
Service charges on deposit accounts	621	646	1,924	2,013
Mortgage banking income and fees	1,239	1,090	3,925	2,770
Gain on sale of premises and equipment		1,231		1,228
Other noninterest income, net	767	941	1,975	1,622
Total other income	2,627	3,908	7,824	7,633
Noninterest Expense
Salaries and employee benefits	6,729	5,693	19,388	16,092
Net occupancy expense	1,397	1,220	4,012	3,594
Marketing and advertising	488	449	1,227	1,207
Telephone, postage, and supplies	468	357	1,283	1,049
Deposit insurance premiums	216	510	1,069	1,551
Computer services	594	497	1,748	1,318
Loss on sale and impairment of real estate owned	315	710	930	2,695
Federal Home Loan Bank advance prepayment penalty			3,069
Other noninterest expense	1,851	2,162	6,106	5,734
Total other expense	12,058	11,598	38,832	33,240
Income Before Income Taxes	3,105	1,717	6,823	2,647
Income Tax Expense (Benefit)	490	(299)	788	(496)
Net Income	$ 2,615	$ 2,016	$ 6,035	$ 3,143
Per Share Data:
Earnings per share basic	$ 0.13		$ 0.30
Earnings per share diluted	$ 0.13		$ 0.30
Average shares outstanding:
Basic	20,019,609		20,083,915
Diluted	20,036,875		20,089,586

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Mar. 31, 2013	Mar. 31, 2012
Statements of Comprehensive Income
Net Income	$ 2,615	$ 2,016	$ 6,035	$ 3,143
Unrealized holding gains (losses) on securities available for sale
Gains (losses) arising during the period	(67)	(6)	(18)	136
Deferred income tax benefit (expense)	23	2	6	(46)
Total other comprehensive income (loss)	(44)	(4)	(12)	90
Comprehensive Income	$ 2,571	$ 2,012	$ 6,023	$ 3,233

- Definition

The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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+ Details

- Definition

Before tax and reclassification adjustments amount of unrealized holding gain (loss) and transfers on available-for-sale securities.

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+ Details

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid In Capital	Retained Earnings	Unearned ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Total Stockholders' Equity
Balance at beginning of period at Jun. 30, 2011			$ 31,367	$ 136,410		$ (8)	$ 167,769
Net income	$ 3,143			3,143			3,143
Other comprehensive income	90					90	90
Balance at end of period at Mar. 31, 2012			31,367	139,553		82	171,002
Balance at beginning of period at Jun. 30, 2012			31,367	140,937		181	172,485
Net income	6,035			6,035			6,035
Issuance of common stock		$ 212	211,388				211,600
Common stock issuance cost			(3,396)				(3,396)
Stock repurchased for equity incentive plan	(4,758)	(3)	(4,755)				(4,758)
Loan to ESOP for purchase of shares	(10,580)				$ (10,580)		(10,580)
Granted restricted stock		5	(5)
Stock option expense			216				216
Restricted stock expense	445		229				229
ESOP shares allocated			140		397		537
Other comprehensive income	$ (12)					(12)	(12)
Balance at end of period at Mar. 31, 2013		$ 214	$ 235,184	$ 146,972	$ (10,183)	$ 169	$ 372,356

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY -- Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Operating Activities:
Net income	$ 6,035	$ 3,143
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,300	13,600
Depreciation	1,638	1,621
Deferred income tax expense (benefit)	418	(485)
Net amortization and accretion	(129)	(159)
Federal Home Loan Bank advance prepayment penalty	3,069
Gain on sale of premises and equipment		(1,228)
Loss on sale and impairment of real estate owned	930	2,695
Gain on sale of loans held for sale	(2,897)	(2,144)
Origination of loans held for sale	(178,762)	(148,029)
Proceeds from sales of loans held for sale	183,449	142,973
Decrease in deferred loan fees, net	(402)	(49)
Decrease in accrued interest receivable and other assets	2,461	6,185
ESOP compensation expense	537
Restricted stock and stock option expense	445
Decrease in other liabilities	(1,654)	(1,207)
Net cash provided by operating activities	17,438	16,916
Investing Activities:
Purchase of securities available for sale	(6,000)	(12,539)
Proceeds from maturities of securities available for sale	6,100	37,132
Purchase of certificates of deposit in other banks	(38,975)	(25,312)
Maturities of certificates of deposit in other banks	14,685	35,570
Principal repayments of mortgage-backed securities	3,319	2,179
Net redemptions of Federal Home Loan Bank Stock	4,446	1,932
Net decrease in loans	48,026	31,594
Purchase of bank owned life insurance	(16,000)	(31,000)
Proceeds from redemption of bank owned life insurance		21,580
Purchase of premises and equipment	(1,119)	(2,545)
Capital improvements to real estate owned	(380)	(302)
Proceeds from sale of premises and equipment		1,400
Proceeds from sale of real estate owned	7,712	9,324
Net cash provided by investing activities	21,814	69,013
Financing Activities:
Net decrease in deposits	(299,801)	(13,306)
Net decrease in other borrowings	(25,334)	(62,007)
Proceeds from stock conversion	208,204
Loan to ESOP for purchase of shares	(10,580)
Common stock repurchased	(4,758)
Decrease in capital lease obligations	(6)	(5)
Net cash used in financing activities	(132,275)	(75,318)
Net Increase (Decrease) in Cash and Cash Equivalents	(93,023)	10,611
Cash and Cash Equivalents at Beginning of Period	224,801	34,671
Cash and Cash Equivalents at End of Period	131,778	45,282
Cash paid during the period for:
Interest	5,907	9,186
Income taxes	59	97
Noncash transactions:
Unrealized gain in value of securities available for sale, net of income taxes	(12)	90
Transfers of loans to real estate owned	6,224	11,223
Loans originated to finance the sale of real estate owned	$ 651	$ 930

Summary of Significant Accounting Policies

3 Months Ended

Mar. 31, 2013

Notes

Summary of Significant Accounting Policies

1. Summary of Significant Accounting Policies

The consolidated financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires.

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“US GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (“SEC”). Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended June 30, 2012 (“2012 Form 10-K”) filed with the SEC on September 28, 2012. The results of operations for the three and nine months ended March 31, 2013 are not necessarily indicative of results that may be expected for the entire fiscal year ending June 30, 2013. Certain prior year amounts have been reclassified to conform to current fiscal year presentation. The reclassifications had no impact on previously reported net income (loss) or equity.

Organization and Description of Business – HomeTrust was incorporated in Maryland on December 27, 2011 and became the holding company for the Bank on July 10, 2012 upon the completion of the Bank’s conversion from the mutual to stock form of organization (the “Conversion”). In connection with the Conversion, HomeTrust issued an aggregate of 21,160,000 shares of common stock at an offering price of $10.00 per share for gross proceeds of $211.6 million. HomeTrust received $208.2 million in net proceeds from the stock offering of which $104.1 million or 50% of the net proceeds were contributed to the Bank upon Conversion. Included in the issuance of shares was 1,058,000 shares to a newly formed ESOP for which HomeTrust loaned the ESOP $10,580,000 to purchase the shares. The Bank is a federally chartered savings bank headquartered in Asheville, North Carolina with twenty retail offices located in western and central North Carolina. The current business of the Bank is conducted through its seven operating divisions – HomeTrust Bank, Cherryville Federal Bank, Home Savings Bank of Eden, Industrial Federal Bank of Lexington, Shelby Savings Bank, Tryon Federal Bank, and Rutherford County Bank. All divisions operate under a single set of corporate policies and procedures and are recognized as a single banking segment for financial reporting purposes.

Accounting Principles – The accounting and reporting policies of the Company conform to US GAAP.

Principles of Consolidation and Subsidiary Activities – The accompanying consolidated financial statements include the accounts of the Company, the Bank, and its wholly-owned subsidiary, Western North Carolina Service Corporation (“WNCSC”) at or for the three months and nine months ended March 31, 2013 and of the Bank and WNCSC only for the three months and nine months ended March 31, 2012 and at June 30, 2012. WNCSC owns office buildings in Asheville, North Carolina that are leased to the Bank. All intercompany items have been eliminated.

Cash Flows – Cash and cash equivalents include cash and interest-bearing deposits with initial terms to maturity of ninety days or less.

Use of Estimates in Financial Statements – The preparation of financial statements in conformity with US GAAP 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 date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Securities – The Company classifies investment securities as trading, available for sale or held to maturity.

Securities available for sale are carried at fair value. Such securities are used to execute asset/liability management strategies, manage liquidity, and leverage capital, and therefore may be sold prior to maturity. Adjustments for unrealized gains or losses, net of the income tax effect, are made to accumulated other comprehensive income, a separate component of total stockholders’ equity.

Securities held to maturity are stated at cost, net of unamortized balances of premiums and discounts. When such securities are purchased, the Company intends to and has the ability to hold such securities until maturity.

Declines in the fair value of individual securities available for sale or held to maturity below their cost that are other-than-temporary result in write-downs of the individual securities to their fair value. The related write-downs are included in earnings as realized losses. In estimating other-than-temporary impairment losses, the Company considers among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of the unrealized loss, and in the case of debt securities, whether it is more likely than not that the Company will be required to sell the security prior to a recovery.

Premiums and discounts are amortized or accreted over the life of the security as an adjustment to yield. Dividend and interest income are recognized when earned. Gains or losses on the sale of securities are recognized on a specific identification, trade date basis.

Loans – Loans are carried at their outstanding principal amount, less unearned income and deferred nonrefundable loan fees, net of certain origination costs. Interest income is recorded as earned on an accrual basis. Net deferred loan origination fees/costs are deferred and amortized to interest income over the life of the related loan. The premium or discount on purchased loans is amortized over the expected life of the loans and is included in interest income.

Loan Segments and Classes

The Company’s loan portfolio is grouped into two segments (retail consumer loans and commercial loans) and into four classes within each segment. The Company originates, services, and manages its loans based on these segments and classes. The Company’s portfolio segments and classes within those segments are subject to risks that could have an adverse impact on the credit quality of the loan portfolio. Management identified the risks described below as significant risks that are generally similar among the loan segments and classes.

Retail Consumer loan segment

The Company underwrites its retail consumer loans using automated credit scoring and analysis tools. These credit scoring tools take into account factors such as payment history, credit utilization, length of credit history, types of credit currently in use, and recent credit inquiries. To the extent that the loan is secured by collateral, the value of the collateral is also evaluated. Common risks to each class of retail consumer loans include general economic conditions within the Company’s markets, such as unemployment and potential declines in collateral values, and the personal circumstances of the borrowers. In addition to these common risks for the Company’s retail consumer loans, various retail consumer loan classes may also have certain risks specific to them.

One-to-four family and construction and land/lot loans are to individuals and are typically secured by 1-4 family residential property, undeveloped land, and partially developed land in anticipation of pending construction of a personal residence. Significant and rapid declines in real estate values can result in residential mortgage loan borrowers having debt levels in excess of the current market value of the collateral. Recent declines in value have led to unprecedented levels of foreclosures and losses within the banking industry. Construction and land/lot loans often experience delays in completion and cost overruns that exceed the borrower’s financial ability to complete the project. Such cost overruns can routinely result in foreclosure of partially completed and unmarketable collateral.

Home equity lines of credit are often secured by second liens on residential real estate, thereby making such loans particularly susceptible to declining collateral values. A substantial decline in collateral value could render the Company’s second lien position to be effectively unsecured. Additional risks include lien perfection inaccuracies and disputes with first lien holders that may further weaken collateral positions. Further, the open-end structure of these loans creates the risk that customers may draw on the lines in excess of the collateral value if there have been significant declines since origination.

Consumer loans include loans secured by deposit accounts or personal property such as automobiles, boats, and motorcycles, as well as unsecured consumer debt. The value of underlying collateral within this class is especially volatile due to potential rapid depreciation in values since date of loan origination in excess of principal repayment.

Commercial loan segment

The Company’s commercial loans are centrally underwritten based primarily on the customer’s ability to generate the required cash flow to service the debt in accordance with the contractual terms and conditions of the loan agreement. The Company’s commercial lenders and underwriters work to understand the borrower’s businesses and management experiences. The majority of the Company’s commercial loans are secured by collateral, so collateral values are important to the transaction. In commercial loan transactions where the principals or other parties provide personal guarantees, the Company’s commercial lenders and underwriters analyze the relative financial strength and liquidity of each guarantor. Risks that are common to the Company’s commercial loan classes include general economic conditions, demand for the borrowers’ products and services, the personal circumstances of the principals, and reductions in collateral values. In addition to these common risks for the Company’s commercial loans, the various commercial loan classes also have certain risks specific to them.

Construction and development loans are highly dependent on the supply and demand for commercial real estate in the Company’s markets as well as the demand for the newly constructed residential homes and lots being developed by the Company’s commercial loan customers. Prolonged deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for the Company’s commercial borrowers.

Commercial real estate and commercial and industrial loans are primarily dependent on the ability of the Company’s commercial loan customers to achieve business results consistent with those projected at loan origination resulting in cash flow sufficient to service the debt. To the extent that a borrower’s actual business results significantly underperform the original projections, the ability of that borrower to service the Company’s loan on a basis consistent with the contractual terms may be at risk. While these loans and leases are generally secured by real property, personal property, or business assets such as inventory or accounts receivable, it is possible that the liquidation of the collateral will not fully satisfy the obligation.

Municipal leases are primarily made to volunteer fire departments and depend on the tax revenues received from the county or municipality. These leases are mainly secured by vehicles, fire stations, land, or equipment. The underwriting of the municipal leases is based on the cash flows of the fire department as well as projections of future income.

Credit Quality Indicators

Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:

Pass—A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification.

Special Mention—A special mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification.

Substandard—A substandard asset is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected.

Doubtful—An asset classified doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions, and values.

Loss—Assets classified loss are considered uncollectible and of such little value that their continuing to be carried as an asset is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.

Loans Held for Sale—Loans held for sale are residential mortgages and are valued at the lower of cost or fair value less estimated costs to sell as determined by outstanding commitments from investors on a “best efforts” basis or current investor yield requirements, calculated on the aggregate loan basis. Loans sold are generally sold at par value and sold with servicing released.

Allowance for Loan Losses—The allowance for loan losses is management’s estimate of probable credit losses that are inherent in the Company’s loan portfolios at the balance sheet date. The allowance increases when the Company provides for loan losses through charges to operating earnings and when the Company recovers amounts from loans previously written down or charged off. The allowance decreases when the Company writes down or charges off loan amounts that are deemed uncollectible.

Management determines the allowance for loan losses based on periodic evaluations that are inherently subjective and require substantial judgment because the evaluations require the use of material estimates that are susceptible to significant change. The Company generally uses two allowance methodologies that are primarily based on management’s determination as to whether or not a loan is considered to be impaired.

All classified loans above a certain threshold are evaluated for impairment on a loan-by-loan basis and are considered impaired when it is probable, based on current information, that the borrower will be unable to pay contractual interest or principal as required by the loan agreement. Loans that experience insignificant payment delays and payment shortfalls are not necessarily considered impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment history, and the amount of the shortfall relative to the principal and interest owed. Impaired loans are measured at their estimated net realizable value based on either the value of the loan’s expected future cash flows discounted at the loan’s effective interest rate or on the collateral value, net of the estimated costs of disposal, if the loan is collateral dependent. For loans considered impaired, an individual allowance for loan losses is recorded when the loan principal balance exceeds the estimated net realizable value.

For loans not considered impaired, management determines the allowance for loan losses based on estimated loss percentages that are determined by and applied to the various classes of loans that comprise the segments of the Company’s loan portfolio. The estimated loss percentages by loan class are based on a number of factors that include by class (i) average historical losses over the past two years, (ii) levels and trends in delinquencies, impairments, and net charge-offs, (iii) trends in the volume, terms, and concentrations, (iv) trends in interest rates, (v) effects of changes in the Company’s risk tolerance, underwriting standards, lending policies, procedures, and practices, and (vi) national and local business and economic conditions.

Future material adjustments to the allowance for loan losses may be necessary due to changing economic conditions or declining collateral values. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to make adjustments to the allowance for loan losses based upon judgments that differ significantly from those of management.

Nonperforming Assets—Nonperforming assets can include loans that are past due 90 days or more and continue to accrue interest, loans on which interest is not being accrued, and foreclosed real estate.

Loans Past Due 90 Days or More, Nonaccruing, Impaired, or Restructured—The Company’s policies related to when loans are placed on nonaccruing status conform to guidelines prescribed by bank regulatory authorities. Generally, the Company suspends the accrual of interest on loans (i) that are maintained on a cash basis because of the deterioration of the financial condition of the borrower, (ii) for which payment in full of principal or interest is not expected (impaired loans), or (iii) on which principal or interest has been in default for a period of 90 days or more, unless the loan is both well secured and in the process of collection. Under the Company’s cost recovery method, interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accruing status when all principal and interest amounts contractually due are brought current and concern no longer exists as to the future collectability of principal and interest, which is generally confirmed when the loan demonstrates performance for six consecutive months or payment cycles.

Restructured loans to borrowers who are experiencing financial difficulty, and on which the Company has granted concessions that modify the terms of the loan are accounted for as troubled debt restructurings. These loans remain as troubled debt restructurings until the loan has been paid in full, modified to its original terms, or charged off. The Company may place these loans on accrual or nonaccrual status depending on the individual facts and circumstances of the borrower. Generally, these loans are put on nonaccrual status until there is adequate performance that evidences the ability of the borrower to make the contractual payments. This period of performance is normally at least nine months, and may include performance immediately prior to or after the modification, depending on the specific facts and circumstances of the borrower.

Loan Charge-offs—The Company charges off loan balances, in whole or in part to fair market value, when available, verifiable, and documentable information confirms that specific loans, or portions of specific loans, are uncollectible or unrecoverable. For unsecured loans, losses are confirmed when it can be determined that the borrower, or any guarantors, are unwilling or unable to pay the amounts as agreed. When the borrower, or any guarantor, is unwilling or unable to pay the amounts as agreed on a loan secured by collateral and any recovery will be realized upon the sale of the collateral, the loan is deemed to be collateral dependent. Repayments or recoveries for collateral dependent loans are directly affected by the value of the collateral at liquidation. As such, loan repayment can be affected by factors that influence the amount recoverable, the timing of the recovery, or a combination of the two. Such factors include economic conditions that affect the markets in which the loan or its collateral is sold, bankruptcy, repossession and foreclosure laws, and consumer banking regulations. Losses are also confirmed when the loan, or a portion of the loan, is classified as loss resulting from loan reviews conducted by the Company or its regulatory examiners.

Charge-offs of loans in the commercial loan segment are recognized when the uncollectibility of the loan balance and the inability to recover sufficient value from the sale of any collateral securing the loan is confirmed. The uncollectibility of the loan balance is evidenced by the inability of the commercial borrower to generate cash flows sufficient to repay the loan as agreed causing the loan to become delinquent. For collateral dependent commercial loans, the Company determines the net realizable value of the collateral based on appraisals, current market conditions, and estimated costs to sell the collateral. For collateral dependent commercial loans where the loan balance, including any accrued interest, net deferred fees or costs, and unamortized premiums or discounts, exceeds the net realizable value of the collateral securing the loan, the deficiency is identified as unrecoverable, is deemed to be a confirmed loss, and is charged off.

Charge-offs of loans in the retail consumer loan segment are generally confirmed and recognized in a manner similar to loans in the commercial loan segment. Secured retail consumer loans that are identified as uncollectible and are deemed to be collateral dependent are confirmed as loss to the extent the net realizable value of the collateral is insufficient to recover the loan balance. Consumer loans not secured by real estate that become 90 days past due are charged off to the extent that the fair value of any collateral, less estimated costs to sell the collateral, is insufficient to recover the loan balance. Consumer loans secured by residential real estate that become 120 days past due are charged off to the extent that the fair value of the residential real estate securing the loan, less estimated costs to sell the collateral, is insufficient to recover the loan balance. Loans to borrowers in bankruptcy are subject to modification by the bankruptcy court and are charged off to the extent that the fair value of any collateral securing the loan, less estimated costs to sell the collateral, is insufficient to recover the loan balance, unless the Company expects repayment is likely to occur. Such loans are charged off within 60 days of the receipt of notification from a bankruptcy court or when the loans become 120 days past due, whichever is shorter.

Real Estate Owned—Real estate owned consists of real estate acquired as a result of customers’ loan defaults. Foreclosed real estate is stated at the lower of the related loan balance or the fair value of the property net of the estimated costs of disposal with a charge to the allowance for loan losses upon foreclosure. Any write-downs subsequent to foreclosure are charged against operating earnings. To the extent recoverable, costs relating to the development and improvement of property are capitalized, whereas those costs relating to holding the property are charged to expense.

Premises and Equipment—Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the 150% declining balance method and the straight-line method over the estimated useful lives which range from fifteen to forty years for buildings and three to ten years for furniture, fixtures, and equipment. Maintenance and repair costs are expensed as incurred.

Federal Home Loan Bank Stock—As a requirement for membership, the Bank invests in stock of the Federal Home Loan Bank of Atlanta (“FHLB”). This investment is carried at cost. Due to the redemption provisions of the FHLB, the Bank estimated that fair value equals cost and that this investment was not impaired at March 31, 2013 and June 30, 2012.

Business Combinations—Effective July 1, 2009, the Company adopted a new accounting standard which requires the acquisition method of accounting, formerly referred to as the purchase method, be used for all business combinations. An acquirer must be identified for each business combination, and the acquisition date is the date the acquirer achieves control. The acquisition method of accounting requires the Company as acquirer to recognize the fair value of assets acquired and liabilities assumed at the acquisition date as well as recognize goodwill or a gain from a bargain purchase, if appropriate. In addition, prior to the Conversion in July 2012, the Company recognized the fair value of the acquired institution’s equity as a separate component to equity capital on the balance sheet as required for business combinations of mutual institutions. Any acquisition-related costs and restructuring costs are recognized as period expenses as incurred.

Income Taxes—The Company accounts for income taxes using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred tax assets are reduced, if necessary, by the amount of such benefits that are not expected to be realized based upon available evidence.

The Company recognizes interest and penalties accrued relative to unrecognized tax benefits in its respective federal or state income taxes accounts. As of March 31, 2013 and June 30, 2012, there were no accruals for uncertain tax positions and no accruals for interest and penalties. The Company and its subsidiary file a consolidated United States federal income tax return, as well as separate unconsolidated North Carolina state income tax returns. The Company’s filed income tax returns are no longer subject to examination by taxing authorities for years before June 30, 2009.

Comprehensive Income—Comprehensive income consists of net income and net unrealized gains (losses) on securities available for sale and is presented in the consolidated statements of comprehensive income.

Derivative Instruments and Hedging—The Company recognizes all derivatives as either assets or liabilities in the balance sheet, and measures those instruments at fair value. Changes in the fair value of those derivatives are reported in current earnings or other comprehensive income depending on the purpose for which the derivative is held and whether the derivative qualifies for hedge accounting. Loan commitments related to the origination or acquisition of mortgage loans that will be held for sale must be accounted for as derivative instruments. The Company enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). The Company also enters into forward sales commitments for the mortgage loans underlying the rate lock commitments. The fair values of these two derivative financial instruments are collectively insignificant to the consolidated financial statements.

Use of Estimates in Financial Statements—The preparation of financial statements in conformity with US GAAP 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 date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Recent Accounting Pronouncements—In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in ASU No. 2011-05. This ASU was made to allow FASB time to redeliberate whether to present on the face of the financial statements the effects of reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income for all periods presented. While FASB is considering the operational concerns about the presentation requirements for reclassification adjustments, and the needs of financial statement users for additional information about reclassification adjustments, entities should continue to report reclassification out of accumulated other comprehensive income consistent with the presentation requirements in effect before ASU 2011-05. The amendments in this ASU were effective at the same time as the amendments in ASU 2011-05 so that entities will not be required to comply with the presentation requirements effective at the same time as the amendments in ASU 2011-05 that this ASU is deferring. The amendments in this ASU were effective for public entities for fiscal years, and interim periods within those years, beginning after December 15, 2011. The adoption of this ASU did not have a material effect on the Company’s Consolidated Financial Statements.

In July 2012, the FASB issued ASU No. 2012-02 “Testing Indefinite-Lived Intangible Assets for Impairment”, regarding goodwill which will allow an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Under this ASU, an entity would not be required to calculate the fair value of a reporting unit unless the entity determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The ASU includes a number of events and circumstances for an entity to consider in conducting the qualitative assessment. The guidance is effective for annual and interim goodwill impairment tests performed for fiscal years beginning after September 15, 2012. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before July 27, 2012, if an entity’s financial statements for the most recent annual or interim period have not yet been issued or, for nonpublic entities, have not yet been made available for issuance. The adoption of this ASU did not have a material impact on the Company’s Consolidated Financial Statements.

In February 2013, the FASB issued ASU 2013-02 “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income”. This ASU requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about these amounts. The new guidance was effective prospectively for reporting periods beginning after December 15, 2012. The adoption of this ASU did not have a material impact on the Company’s Consolidated Financial Statements.

2. Securities Available For Sale

3 Months Ended

Mar. 31, 2013

Notes

2. Securities Available For Sale

2. Securities Available for Sale

Securities available for sale consist of the following at the dates indicated:

	March 31, 2013
			Gross	Gross	Estimated
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
U.S. Government Agencies		$6,000	$4	$-	$6,004
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		21,594	265	(12)	21,847
Total		$27,594	$269	$(12)	$27,851

	June 30, 2012
			Gross	Gross	Estimated
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
U.S. Government Agencies		$6,102	$2	$(2)	$6,102
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		24,958	286	(11)	25,233
Total		$31,060	$288	$(13)	$31,335

Debt securities available for sale by contractual maturity at the dates indicated are shown below. Mortgage-backed securities are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.

	March 31, 2013
		Amortized	Estimated
		Cost	Fair Value
Due within one year		$-	$-
Due after one year through five years		6,000	6,004
Due after five years through ten years		-	-
Due after ten years		-	-
Mortgage-backed securities		21,594	21,847
Total		$27,594	$27,851

The Company had no sales of securities during the three months or nine months ended March 31, 2013 or 2012.

Securities available for sale with costs totaling $22,144 and $15,563 with market values of $22,355 and $15,727 at March 31, 2013 and June 30, 2012, respectively, were pledged as collateral to secure various public deposits and retail repurchase agreements.

The gross unrealized losses and the fair value for securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of March 31, 2013 and June 30, 2012 are as follows:

	March 31, 2013
	Less than 12 Months			12 Months or More			Total
		Fair	Unrealized		Fair	Unrealized		Fair	Unrealized
		Value	Losses		Value	Losses		Value	Losses
U.S. Government Agencies		$-	$-		$-	$-		$-	$-
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		57	(1)		2,234	(11)		2,291	(12)
Total		$57	$(1)		$2,234	$(11)		$2,291	$(12)

	June 30, 2012
	Less than 12 Months			12 Months or More			Total
		Fair	Unrealized		Fair	Unrealized		Fair	Unrealized
		Value	Losses		Value	Losses		Value	Losses
U.S. Government Agencies		$-	$-		$100	$(2)		$100	$(2)
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		2,908	(8)		100	(3)		3,008	(11)
Total		$2,908	$(8)		$200	$(5)		$3,108	$(13)

The total number of securities with unrealized losses at March 31, 2013, and June 30, 2012 were 16 and 22, respectively. Unrealized losses on securities have not been recognized in income because management has the intent and ability to hold the securities for the foreseeable future, and has determined that it is not more likely than not that the Company will be required to sell the securities prior to a recovery in value. The decline in fair value was largely due to decreases in market interest rates. The Company had no other than temporary impairment losses during the three months or nine months ended March 31, 2013 or the year ended June 30, 2012. The Bank, as a member of the FHLB, is required to maintain an investment in FHLB capital stock. No ready market exists for the FHLB stock and the carrying value approximates its fair value based on the redemption provisions of the FHLB.

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27337-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27198-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27161-111563

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27357-111563

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27290-111563

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 19, 20, 21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 17
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-1
-Paragraph 21
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

3. Loans

3 Months Ended

Mar. 31, 2013

Notes

3. Loans

3. Loans

Loans consist of the following at the dates indicated:

	March 31,	June 30,
	2013	2012
Retail consumer loans:
One to four family	$608,277		$620,486
Home equity lines of credit	128,795		143,052
Construction and land/lots	47,559		53,572
Consumer	3,362		3,819
Total retail consumer loans	787,993		820,929
Commercial loans:
Commercial real estate	228,714		238,644
Construction and development	32,084		42,362
Commercial and industrial	11,893		14,578
Municipal leases	113,330		115,516
Total commercial loans	386,021		411,100
Total loans	1,174,014		1,232,029
Deferred loan fees, net	(1,458)		(1,860)
Discount on loans from business combination	(972)		(1,124)
Total loans, net of deferred loan fees and discount	1,171,584		1,229,045
Allowance for loan and lease losses	(32,961)		(35,100)
Loans, net	$1,138,623		$1,193,945

All the qualifying first mortgage loans, home equity lines of credit, and FHLB Stock are pledged as collateral by a blanket pledge to secure any outstanding FHLB advances.

The Company’s total loans by segment, class, and risk grade at the dates indicated follow:

		Special
	Pass	Mention	Substandard	Doubtful	Loss	Total
March 31, 2013
Retail consumer loans:
One to four family	$540,237	$15,145	$49,304	$3,551	$40	$608,277
Home equity lines of credit	120,596	1,519	5,037	1,639	4	128,795
Construction and land/lots	44,340	414	2,151	654	-	47,559
Consumer	2,526	576	249	10	1	3,362
Commercial loans:
Commercial real estate	172,461	20,444	31,515	4,293	1	228,714
Construction and development	13,710	6,418	11,814	142	-	32,084
Commercial and industrial	10,620	863	250	157	3	11,893
Municipal leases	110,991	2,339	-	-	-	113,330
Total loans	$1,015,481	$47,718	$100,320	$10,446	$49	$1,174,014

		Special
	Pass	Mention	Substandard	Doubtful	Loss	Total
June 30, 2012
Retail consumer loans:
One to four family	$553,457	$9,305	$55,338	$2,366	$20	$620,486
Home equity lines of credit	134,959	1,267	5,620	1,204	2	143,052
Construction and land/lots	48,759	704	3,084	1,025	-	53,572
Consumer	3,563	55	159	39	3	3,819
Commercial loans:
Commercial real estate	195,372	16,291	25,958	1,023	-	238,644
Construction and development	20,074	5,739	16,406	142	1	42,362
Commercial and industrial	9,818	1,073	3,527	157	3	14,578
Municipal leases	113,829	633	1,054	-	-	115,516
Total loans	$1,079,831	$35,067	$111,146	$5,956	$29	$1,232,029

The Company’s total loans by segment, class, and delinquency status at the dates indicated follows:

	Past Due				Total
	30-89 Days	90 Days+	Total	Current	Loans
March 31, 2013
Retail consumer loans:
One to four family	$6,952	$10,855	$17,807	$590,470	$608,277
Home equity lines of credit	483	2,220	2,703	126,092	128,795
Construction and land/lots	357	677	1,034	46,525	47,559
Consumer	2	51	53	3,309	3,362
Commercial loans:
Commercial real estate	1,342	9,570	10,912	217,802	228,714
Construction and development	132	5,633	5,765	26,319	32,084
Commercial and industrial	83	172	255	11,638	11,893
Municipal leases	338	-	338	112,992	113,330
Total loans	$9,689	$29,178	$38,867	$1,135,147	$1,174,014

	Past Due				Total
	30-89 Days	90 Days+	Total	Current	Loans
June 30, 2012
Retail consumer loans:
One to four family	$10,532	$11,629	$22,161	$598,325	$620,486
Home equity lines of credit	388	2,613	3,001	140,051	143,052
Construction and land/lots	789	1,405	2,194	51,378	53,572
Consumer	54	35	89	3,730	3,819
Commercial loans:
Commercial real estate	4,188	6,071	10,259	228,385	238,644
Construction and development	331	6,001	6,332	36,030	42,362
Commercial and industrial	155	266	421	14,157	14,578
Municipal leases	-	-	-	115,516	115,516
Total loans	$16,437	$28,020	$44,457	$1,187,572	$1,232,029

The Company’s recorded investment in loans, by segment and class, that are not accruing interest or are 90 days or more past due and still accruing interest at the dates indicated follow:

	March 31, 2013		June 30, 2012
		90 Days + &		90 Days + &
	Nonaccruing	still accruing	Nonaccruing	still accruing
Retail consumer loans:
One to four family	$29,085	$-	$27,659	$-
Home equity lines of credit	4,137	-	4,781	-
Construction and land/lots	2,437	-	3,437	-
Consumer	53	-	76	-
Commercial loans:
Commercial real estate	24,031	-	15,008	-
Construction and development	10,567	-	12,583	-
Commercial and industrial	1,396	-	637	-
Municipal leases	-	-	-	-
Total loans	$71,706	$-	$64,181	$-

Troubled debt restructurings (“TDRs”) are loans which have renegotiated loan terms to assist borrowers who are unable to meet the original terms of their loans. Such modifications to loan terms may include a lower interest rate, a reduction in principal, or a longer term to maturity. Additionally, all TDRs are considered impaired.

The Company’s loans that were performing under the payment terms of TDRs that were excluded from nonaccruing loans above at the dates indicated follow:

	March 31,	June 30,
	2013	2012
Performing TDRs included in
impaired loans	$17,133	$20,588

An analysis of the allowance for loan losses by segment for the periods shown is as follows:

	Three Months Ended March 31, 2013			Three Months Ended March 31, 2012
	Retail			Retail
	Consumer	Commercial	Total	Consumer		Commercial		Total
Balance at beginning of period	$22,173	$12,076	$34,249		$21,156		$15,618		$36,774
Provision for loan losses	350	150	500		3,526		974		4,500
Charge-offs	(1,219)	(918)	(2,137)		(3,130)		(2,317)		(5,447)
Recoveries	308	41	349		185		109		294
Balance at end of period	$21,612	$11,349	$32,961		$21,737		$14,384		$36,121

	Nine Months Ended March 31, 2013			Nine Months Ended March 31, 2012
	Retail			Retail
	Consumer	Commercial	Total	Consumer		Commercial		Total
Balance at beginning of period	$21,172	$13,928	$35,100		$23,511		$26,629		$50,140
Provision for loan losses	3,189	(889)	2,300		11,449		2,151		13,600
Charge-offs	(3,295)	(2,958)	(6,253)		(13,563)		(15,244)		(28,807)
Recoveries	546	1,268	1,814		340		848		1,188
Balance at end of period	$21,612	$11,349	$32,961		$21,737		$14,384		$36,121

The Company’s ending balances of loans and the related allowance, by segment and class, at the dates indicated follows:

	Allowance for Loan Losses			Total Loans Receivable
	Loans			Loans
	individually	Loans		individually	Loans
	evaluated for	Collectively		evaluated for	Collectively
	impairment	Evaluated	Total	impairment	Evaluated	Total
March 31, 2013
Retail consumer loans:
One- to four-family	$648	$14,350	$14,998	$36,940	$571,337	$608,277
Home equity	409	3,432	3,841	4,492	124,303	128,795
Construction and land/lots	3	2,635	2,638	2,214	45,345	47,559
Consumer	1	134	135	1	3,361	3,362
Commercial loans:
Commercial real estate	506	6,188	6,694	26,043	202,671	228,714
Construction and development	271	3,211	3,482	10,698	21,386	32,084
Commercial and industrial	52	171	223	2,499	9,394	11,893
Municipal leases	-	950	950	-	113,330	113,330
Total	$1,890	$31,071	$32,961	$82,887	$1,091,127	$1,174,014

	Allowance for Loan Losses			Total Loans Receivable
	Loans			Loans
	individually	Loans		individually	Loans
	evaluated for	Collectively		evaluated for	Collectively
	impairment	Evaluated	Total	impairment	Evaluated	Total
June 30, 2012
Retail consumer loans:
One- to four-family	$596	$13,961	$14,557	$36,011	$584,475	$620,486
Home equity	238	3,293	3,531	4,382	138,670	143,052
Construction and land/lots	68	2,887	2,955	3,772	49,800	53,572
Consumer	2	127	129	3	3,816	3,819
Commercial loans:
Commercial real estate	407	6,047	6,454	20,266	218,378	238,644
Construction and development	154	6,099	6,253	14,389	27,973	42,362
Commercial and industrial	111	204	315	2,965	11,613	14,578
Municipal leases	-	906	906	-	115,516	115,516
Total	$1,576	$33,524	$35,100	$81,788	$1,150,241	$1,232,029

The Company’s impaired loans and the related allowance, by segment and class, at the dates indicated follows:

	Total Impaired Loans
	With a	With No		Related
	Recorded	Recorded		Recorded
	Allowance	Allowance	Total	Allowance
March 31, 2013
Retail consumer loans:
One to four family	$14,704	$30,485	$45,189	$840
Home equity lines of credit	3,321	2,958	6,279	458
Construction and land/lots	310	2,166	2,476	17
Consumer	52	1	53	3
Commercial loans:
Commercial real estate	4,248	22,633	26,881	535
Construction and development	804	10,342	11,146	271
Commercial and industrial	110	2,705	2,815	52
Municipal leases	-	-	-	-
Total impaired loans	$23,549	$71,290	$94,839	$2,176

	Total Impaired Loans
	With a	With No		Related
	Recorded	Recorded		Recorded
	Allowance	Allowance	Total	Allowance
June 30, 2012
Retail consumer loans:
One to four family	$7,787	$32,802	$40,589	$685
Home equity lines of credit	1,163	4,093	5,256	256
Construction and land/lots	462	3,440	3,902	75
Consumer	73	3	76	4
Commercial loans:
Commercial real estate	2,281	18,214	20,495	413
Construction and development	1,616	13,461	15,077	289
Commercial and industrial	501	2,779	3,280	115
Municipal leases	-	-	-	-
Total impaired loans	$13,883	$74,792	$88,675	$1,837

The table above includes $11,952 and $6,887, of impaired loans that were not individually evaluated at March 31, 2013 and June 30, 2012, respectively, because these loans did not meet the Company’s threshold for individual impairment evaluation. The recorded allowance above includes $286 and $261 related to these loans that were not individually evaluated at March 31, 2013 and June 30, 2012, respectively.

The Company’s average recorded investment in loans individually evaluated for impairment, period end unpaid principal balance as of the dates indicated below and interest income recognized on impaired loans for the nine and twelve months ended as follows:

	March 31, 2013				June 30, 2012
		Average	Unpaid	Interest		Average	Unpaid	Interest
		Recorded	Principal	Income		Recorded	Principal	Income
		Investment	Balance	Recognized		Investment	Balance	Recognized
Retail consumer loans:
One to four family		$44,079	$41,687	$1,403		$42,829	$41,006	$1,799
Home equity lines of credit		5,601	8,345	130		5,531	8,329	208
Construction and land/lots		3,334	5,418	125		4,926	8,244	253
Consumer		73	146	2		48	98	1
Commercial loans:
Commercial real estate		25,173	32,601	1,020		21,249	25,679	1,184
Construction and development		13,583	18,101	367		26,994	23,070	763
Commercial and industrial		3,077	3,576	130		3,138	4,535	218
Municipal leases		77	-	-		531	-	-
Total loans		$94,997	$109,874	$3,177		$105,246	$110,961	$4,426

For the three and nine months ended March 31, 2013, the following table presents a breakdown of the types of concessions made on TDRs by loan class:

	Three Months Ended			Three Months Ended
	March 31, 2013			March 31, 2012
	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment
Below market interest rate:
Retail consumer:
One to four family	-	$-	$-	9	$3,028	$3,641
Home equity lines of credit	-	-	-	2	81	81
Commercial:
Construction and development	-	-	-	-	-	-
Total	-	$-	$-	11	$3,109	$3,722

Extended payment terms:
Retail consumer:
One to four family	-	$-	$-	3	$568	$577
Home equity lines of credit	3	45	44	-	-	-
Construction and land/lots	1	188	187	-	-	-
Commercial:
Commercial and industrial	1	30	29	1	14	-
Total	5	$263	$260	4	$582	$577

Other TDRs:
Retail consumer:
One to four family	7	$824	$798	2	$168	$167
Home equity lines of credit	2	152	152	-	-	-
Commercial:
Commercial real estate	-	-	-	2	254	247
Construction and development	-	-	-	1	265	265
Total	9	$976	$950	5	$687	$679

Total	14	$1,239	$1,210	20	$4,378	$4,978

	Nine Months Ended			Nine Months Ended
	March 31, 2013			March 31, 2012
	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment
Below market interest rate:
Retail consumer:
One to four family	3	$694	$686	26	$8,052	$7,837
Home equity lines of credit	-	-	-	2	81	81
Construction and land/lots	-	-	-	2	172	172
Commercial:
Commercial real estate	1	237	233	1	286	281
Construction and development	-	-	-	1	260	256
Total	4	$931	$919	32	$8,851	$8,627

Extended payment terms:
Retail consumer:
One to four family	1	$13	$12	13	$2,424	$2,295
Home equity lines of credit	4	85	83	2	73	71
Construction and land/lots	1	188	187	-	-	-
Commercial:
Commercial real estate	-	-	-	2	405	321
Construction and development	-	-	-	2	2,694	2,694
Commercial and industrial	1	30	29	3	119	101
Total	7	$316	$311	22	$5,715	$5,482

Other TDRs:
Retail consumer:
One to four family	82	$5,591	$5,512	9	$1,702	$1,678
Home equity lines of credit	42	1,337	1,326	1	35	35
Construction and land/lots	7	209	202	1	182	175
Commercial:
Commercial real estate	4	332	127	5	945	884
Construction and development	-	-	-	6	2,413	1,744
Total	135	$7,469	$7,167	22	$5,277	$4,516

Total	146	$8,716	$8,397	76	$19,843	$18,625

During the nine months ended March 31, 2013, one to four family TDRs increased by 82 loans or $5.6 million and home equity lines of credit TDRs increased by 42 loans or $1.3 million, including $4.9 million or 77 one to four family TDRs and $1.2 million or 41 home equity lines of credit TDRs representing loans classified as TDRs as a result of recent regulatory reporting requirements of the Office of the Comptroller of the Currency (“OCC”), the Bank’s primary federal regulator, requiring that banks classify mortgages and other loans discharged by troubled borrowers in bankruptcy as TDRs.

The following table presents loans that were modified as TDRs within the previous 12 months and for which there was a payment default during the three and nine months ended March 31, 2013 and 2012.

	Three Months Ended		Three Months Ended
	March 31, 2013		March 31, 2012
	Number of	Recorded	Number of	Recorded
	Loans	Investment	Loans	Investment
Below market interest rate:
Retail consumer:
One to four family	4	$482	2	$56
Total	4	$482	2	$56

Extended payment terms:
Retail consumer:
One to four family	2	$90	2	$423
Home equity lines of credit	1	12	-	-
Commercial:
Construction and development	1	29	3	2,782
Total	4	$131	5	$3,205

Other TDRs:
Retail consumer:
One to four family	19	$1,711	-	$-
Home equity lines of credit	7	121	-	-
Construction and land/lots	5	92	-	-
Commercial:
Commercial real estate	2	124	-	-
Total	33	$2,048	-	$-
Total	41	$2,661	7	$3,261

	Nine Months Ended		Nine Months Ended
	March 31, 2013		March 31, 2012
	Number of	Recorded	Number of	Recorded
	Loans	Investment	Loans	Investment
Below market interest rate:
Retail consumer:
One to four family	4	$482	7	$1,609
Construction and land/lots	-	-	2	393
Total	4	$482	9	$2,002

Extended payment terms:
Retail consumer:
One to four family	3	$213	6	$772
Home equity lines of credit	1	12	-	-
Commercial:
Construction and development	-	-	3	2,782
Commercial and industrial	1	29	-	-
Total	5	$254	9	$3,554

Other TDRs:
Retail consumer:
One to four family	24	$2,125	-	$-
Home equity lines of credit	8	131	-	-
Construction and land/lots	5	174	-	-
Commercial:
Commercial real estate	2	124	2	242
Construction and development	1	68	-	-
Total	40	$2,622	2	$242
Total	49	$3,358	20	$5,798

Loans that were modified as TDRs within the previous 12 months for which there was a payment default during the nine months ended March 31, 2013 increased by 23 loans or $1.3 million due to the addition of loans where the borrower’s obligation to the Company has been discharged in bankruptcy, per regulatory guidance. Other TDRs include TDRs that have a below market interest rate and extended payment terms. The Company does not typically forgive principal when restructuring troubled debt.

In the determination of the allowance for loan losses, management considers TDRs for all loan classes, and the subsequent nonperformance in accordance with their modified terms, by measuring impairment on a loan-by-loan basis based on either the value of the loan’s expected future cash flows discounted at the loan’s original effective interest rate or on the collateral value, net of the estimated costs of disposal, if the loan is collateral dependent.

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5162-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5074-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 01-6
-Paragraph 13
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph k
-Article 4

+ Details

Employee Stock Ownership Plan

3 Months Ended

Mar. 31, 2013

Notes

Employee Stock Ownership Plan

4. Employee Stock Ownership Plan

In connection with the Conversion, the Bank established an Employee Stock Ownership Plan (“ESOP”) for the benefit of all of its eligible employees. Full-time employees of the Company and the Bank who have been credited with at least 1,000 hours of service during a 12-month period and who have attained age 21 are eligible to participate in the ESOP. It is anticipated that the Bank will make contributions to the ESOP in amounts necessary to amortize the ESOP loan payable to the Company over a 20 year period.

Unearned ESOP shares are shown as a reduction of stockholders’ equity. Dividends on unearned ESOP shares, if paid, will be considered to be compensation expense. The Company will recognize compensation expense equal to the fair value of the Company’s ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the Company’s ESOP shares differs from the cost of such shares, the differential will be recognized as additional paid in capital. The Company will recognize a tax deduction equal to the cost of the shares released. Because the ESOP is internally leveraged through a loan from the Company to the ESOP, the loan receivable by the Company from the ESOP is not reported as an asset nor is the debt of the ESOP shown as a liability in the consolidated financial statements.

Compensation expense related to the ESOP for the three months and nine months ended March 31, 2013 was $196 and $537, respectively. Shares held by the ESOP include the following:

	March 31,
	2013
Unallocated ESOP shares		1,018,325
ESOP shares committed to be released		39,675
Total ESOP shares		1,058,000
Fair value of unallocated ESOP shares		$16,090

5. Net Income Per Share

3 Months Ended

Mar. 31, 2013

Notes

5. Net Income Per Share

5. Net income per Share

The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock (in thousands, except share and per share data):

	Three Months Ended			Nine Months Ended
	March 31,			March 31,
		2013	2012	2013		2012

Numerator:
Net income available to common stockholders		$2,615	$2,016		$6,035		$3,143
Denominator:
Weighted-average common shares outstanding - basic		20,019,609	-		20,083,915		-
Effect of dilutive shares		17,266	-		5,671		-
Weighted-average common shares outstanding - diluted		20,036,875	-		20,089,586		-
Net income per share - basic		$0.13	$-		$0.30		$-
Net income per share - diluted		$0.13	$-		$0.30		$-

6. Equity Incentive Plan

3 Months Ended

Mar. 31, 2013

Notes

6. Equity Incentive Plan

6. Equity Incentive Plan

On January 17, 2013, the Company’s stockholders approved the HomeTrust Bancshares, Inc. 2013 Omnibus Incentive Plan (“2013 Omnibus Incentive Plan”), which provides for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, emeritus directors, officers, employees and advisory directors. The cost of equity-based awards under the 2013 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 2,962,400, including 2,116,000 for stock options and stock appreciation rights and 846,400 for awards of restricted stock and restricted stock units.

Shares of common stock issued under the 2013 Omnibus Incentive Plan may be authorized but unissued shares or, in the case of restricted stock awards, may be repurchased shares. As of March 31, 2013, the Company had repurchased 306,217 shares on the open market for issuance under the 2013 Omnibus Incentive Plan, for $4.8 million, at an average cost of $15.54 per share.

Share based compensation expense related to stock options and restricted stock recognized for the three months ended March 31, 2013 was $445.

The table below presents stock option activity for the three months ended March 31, 2013:

		Weighted-	Remaining
		average	contractual life
	Options	exercise price	(years)
Options outstanding at December 31, 2012	-	-	-
Granted	1,557,000	$14.37	9.8
Exercised	-	-	-
Forfeited	-	-	-
Expired	-	-	-
Options outstanding at March 31, 2013	1,557,000	$14.37	9.8

At March 31, 2013, the Company had $6.8 million of unrecognized compensation expense related to 1,557,000 stock options scheduled to vest over five- and seven-year vesting periods. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 4.8 years at March 31, 2013. No awards were vested as of March 31, 2013.

The table below presents restricted stock award activity for the three months ended March 31, 2013:

		Weighted-
	Restricted	average grant
	stock awards	date fair value
Non-vested at December 31, 2012	-	-
Granted	511,300	$14.37
Vested	-	-
Forfeited	-	-
Non-vested at March 31, 2013	511,300	$14.37

At March 31, 2013, unrecognized compensation expense was $7.1 million related to 511,300 shares of restricted stock scheduled to vest over five- and seven-year vesting periods. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 4.8 years at March 31, 2013.

7. Commitments and Contingencies

3 Months Ended

Mar. 31, 2013

Notes

7. Commitments and Contingencies

7. Commitments and Contingencies

Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements. At March 31, 2013 and June 30, 2012, respectively, loan commitments (excluding $25,190 and $14,960 of undisbursed portions of construction loans) totaled $37,664 and $44,736 of which $3,641 and $5,322 were variable rate commitments and $34,023 and $39,413 were fixed rate commitments. The fixed rate loans had interest rates ranging from 2.50% (unaudited) to 7.75% at March 31, 2013 and 3.59% to 5.75% at June 30, 2012, and terms ranging from 6 to 30 years. Pre-approved but unused lines of credit (principally second mortgage home equity loans and overdraft protection loans) totaled $155,974 and $154,283. These amounts represent the Company’s exposure to credit risk, and in the opinion of management have no more than the normal lending risk that the Company commits to its borrowers. The Company has freestanding derivative instruments consisting of commitments to originate fixed rate conforming loans and commitments to sell fixed rate conforming loans. The fair value of these commitments was not material at March 31, 2013 (unaudited) or June 30, 2012.

The Company grants construction and permanent loans collateralized primarily by residential and commercial real estate to customers throughout its primary market area. In addition, the Company grants municipal leases to customers throughout North and South Carolina. The Company’s loan portfolio can be affected by the general economic conditions within these market areas. Management believes that the Company has no concentration of credit in the loan portfolio.

Restrictions on Cash – The Bank is required by regulation to maintain a varying cash reserve balance with the Federal Reserve System. The daily average calculated cash reserve required as of March 31, 2013 and June 30, 2012 was $1,121, and $1,466, respectively, which was satisfied by vault cash and balances held at the Federal Reserve.

Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower’s failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of March 31, 2013 and June 30, 2012 were $46 and $75. There was no liability recorded for these letters of credit at March 31, 2013 or June 30, 2012.

Litigation – The Company is involved in several litigation matters in the ordinary course of business. One matter, originally filed in March 2012, involves claims of $12.5 million in compensatory damages and a request for additional punitive treble damages resulting from the purported failure of the Company and a third party brokerage firm to discover a Ponzi scheme conducted by a customer holding accounts at each entity. The Company believes that the lawsuit is without merit and intends to defend itself vigorously. Management, after review with its legal counsel, is of the opinion that this litigation should not have a material effect on the Company’s financial position or results of operations, although new developments could result in management modifying its assessment. There can be no assurance that the Company will successfully defend or resolve this litigation matter.

The Company is also subject to a variety of other legal matters that have arisen in the ordinary course of our business. In the current economic environment, litigation has increased significantly, primarily as a result of defaulted borrowers asserting claims to defeat or delay foreclosure proceedings. There can be no assurance that loan workouts and other activities will not expose the Company to additional legal actions, including lender liability or environmental claims. Therefore, the Company may be exposed to substantial liabilities, which could adversely affect its results of operations and financial condition. Moreover, the expenses of legal proceedings will adversely affect its results of operations until they are resolved.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Interpretation (FIN)
-Number 14
-Paragraph 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 9, 10, 11, 12
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

8. Fair Value of Financial Instruments

3 Months Ended

Mar. 31, 2013

Notes

8. Fair Value of Financial Instruments

8. Fair Value of Financial Instruments

The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Securities available for sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as impaired loans. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets.

Fair Value Hierarchy

The Company groups assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:

Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets.

Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.

Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Following is a description of valuation methodologies used for assets recorded at fair value. The Company does not have any liabilities recorded at fair value.

Investment Securities Available for Sale

Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored enterprises, municipal bonds, and corporate debt securities.

Loans

The Company does not record loans at fair value on a recurring basis. From time to time, however, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, the fair value is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. The Company reviews all impaired loans each quarter to determine if an allowance is necessary. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans.

At March 31, 2013 and June 30, 2012, most of the total impaired loans were evaluated based on the fair value of the collateral. For these collateral dependent impaired loans, the Company obtains updated appraisals at least annually. These appraisals are reviewed for appropriateness and then discounted for estimated closing costs to determine if an allowance is necessary. As part of the quarterly review of impaired loans, the Company reviews these appraisals to determine if any additional discounts to the fair value are necessary. If a current appraisal is not obtained, the Company determines whether a discount is needed to the value from the original appraisal based on the decline in value of similar properties with recent appraisals. Impaired loans where a charge-off has occurred or an allowance is established during the period being reported require classification in the fair value hierarchy. The Company records all impaired loans with an allowance as nonrecurring Level 3.

Real Estate Owned

Real estate owned is considered held for sale and is adjusted to fair value less estimated selling costs upon transfer of the loan to foreclosed assets. Fair value is based upon independent market prices, appraised value of the collateral or management’s estimation of the value of the collateral. The Company considers all real estate owned carried at fair value as nonrecurring Level 3.

The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:

	March 31, 2013
Description		Total	Level 1	Level 2		Level 3
U.S Government Agencies		$6,004	$-	$6,004	$-
Residential Mortgage-backed Securities of U.S. Government Agencies and Government sponsored Enterprises		21,847	-	21,847	-
Total		$27,851	$-	$27,851	$-

	June 30, 2012
Description		Total	Level 1	Level 2	Level 3
U.S Government Agencies		$6,102	$-	$6,102	$-
Residential Mortgage-backed Securities of U.S. Government Agencies and Government sponsored Enterprises		25,233	-	25,233	-
Total		$31,335	$-	$31,335	$-

The following table presents financial assets measured at fair value on a non-recurring basis during the periods indicated:

	Nine Months Ended March 31, 2013
Description		Total	Level 1	Level 2	Level 3
Impaired Loans		$13,784	$-	$-	$13,784
Other real estate owned		2,904	-	-	2,904
Total		$16,688	$-	$-	$16,688

	Year Ended June 30, 2012
		Total	Level 1	Level 2	Level 3
Impaired Loans		$30,585	$-	$-	$30,585
Other real estate owned		12,093	-	-	12,093
Total		$42,678	$-	$-	$42,678

Quantitative information about Level 3 fair value measurements during the period ended March 31, 2013 is shown in the table below:

	Fair Value at
	March 31,	Valuation	Unobservable
	2013	Techniques	Input	Range
Nonrecurring measurements:
Impaired loans, net	$13,784	Discounted Appraisals	Collateral discounts	5% - 40%
Other real estate owned	2,904	Discounted Appraisals	Collateral discounts	10% - 15%

The stated carrying value and estimated fair value amounts of financial instruments as of March 31, 2013 and June 30, 2012, are summarized below:

	March 31, 2013
		Carrying	Fair
		Value	Value	Level 1	Level 2	Level 3
Cash and interest-bearing deposits		$131,778	$131,778	$131,778	$-	$-
Certificates of deposit in other banks		132,300	132,300	-	132,300	-
Securities available for sale		27,851	27,851	-	27,851	-
Loans, net		1,138,623	1,090,207	-	-	1,090,207
Loans held for sale		8,997	9,132	-	-	9,132
Federal Home Loan Bank stock		1,854	1,854	1,854	-	-
Accrued interest receivable		5,470	5,470	-	156	5,315
Noninterest-bearing and NOW deposits		252,577	252,577	-	252,577	-
Money market accounts		268,261	268,261	-	268,261	-
Savings accounts		81,580	81,580	-	81,580	-
Certificates of deposit		563,956	568,160	-	568,160	-
Accrued interest payable		96	96	-	96	-

	June 30, 2012
		Carrying	Fair
		Value	Value	Level 1	Level 2	Level 3
Cash and interest-bearing deposits		$224,801	$224,801	$224,801	$-	$-
Certificates of deposit in other banks		108,010	108,010	-	108,010	-
Securities available for sale		31,335	31,335	-	31,335	-
Loans, net		1,204,732	1,155,429	-	-	1,155,429
Loans held for sale		10,787	10,949	-	-	10,949
Federal Home Loan Bank stock		6,300	6,300	6,300	-	-
Accrued interest receivable		6,008	6,008	-	137	5,871
Noninterest-bearing and NOW deposits		230,683	230,683	-	230,683	-
Money market accounts		257,865	257,865	-	257,865	-
Savings accounts		347,669	347,669	-	347,669	-
Certificates of deposit		629,958	634,379	-	634,379	-
Other borrowings		22,265	24,998	-	24,998	-
Accrued interest payable		242	242	-	242	-

The Company had off-balance sheet financial commitments, which include approximately $218,828 and $213,979 of commitments to originate loans, undisbursed portions of interim construction loans, and unused lines of credit at March 31, 2013 and June 30, 2012 (see Note 5). Since these commitments are based on current rates, the carrying amount approximates the fair value.

Estimated fair values were determined using the following methods and assumptions:

Cash and interest-bearing deposits – The stated amounts approximate fair values as maturities are less than 90 days.

Certificates of deposit in other banks – The stated amounts approximate fair values.

Securities available for sale and investment securities – Fair values are based on quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments.

Loans, net – Fair values for loans are estimated by segregating the portfolio by type of loan and discounting scheduled cash flows using current market interest rates for loans with similar terms and credit quality. A prepayment assumption is used as an estimate of the portion of loans that will be repaid prior to their scheduled maturity. Both the carrying value and estimated fair value amounts are shown net of the allowance for loan losses.

Loans held for sale - The fair value of loans held for sale is determined by outstanding commitments from investors on a “best efforts” basis or current investor yield requirements, calculated on the aggregate loan basis.

Federal Home Loan Bank Stock – No ready market exists for this stock and it has no quoted market value. However, redemption of this stock has historically been at par value. Accordingly, cost is deemed to be a reasonable estimate of fair value.

Deposits – Fair values for demand deposits, money market accounts, and savings accounts are the amounts payable on demand as of March 31, 2013 and June 30, 2012. The fair value of certificates of deposit is estimated by discounting the contractual cash flows using current market interest rates for accounts with similar maturities.

Other borrowings – The fair value of advances from the Federal Home Loan Bank is estimated based on current rates for borrowings with similar terms. Fair values for retail repurchase agreements are the amounts payable as of June 30, 2012.

Accrued interest receivable and payable – The stated amounts of accrued interest receivable and payable approximate the fair value.

Limitations – Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, a significant asset not considered a financial asset is premises and equipment. In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13537-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13504-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13433-108611

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15B
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 133
-Paragraph 44A, 44B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 17-22, 27, 28
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-Subparagraph a-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15C, 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32, 33, 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 3, 10, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

9. Subsequent Events

3 Months Ended

Mar. 31, 2013

Notes

9. Subsequent Events

9. Subsequent Events

On May 3, 2013, the Company and BankGreenville Financial Corporation (“BankGreenville”) entered into an Agreement and Plan of Merger, pursuant to which BankGreenville will be merged with and into the Company, with the Company as the surviving entity. The merger agreement has been unanimously approved by the boards of directors of both companies. The transaction is anticipated to close in the third calendar quarter of 2013, subject to customary closing conditions, including regulatory approvals and BankGreenville shareholder approval. Under the terms of the agreement, BankGreenville shareholders will receive $6.60 per share in cash consideration. This represents approximately $7.8 million of aggregate deal consideration. Additional contingent cash consideration of up to $0.78 per share (or approximately $0.9 million) may be realized at the expiration of twenty four months following the closing of this transaction. The contingent consideration is based on the performance of a select pool of loans totaling approximately $8.0 million. BankGreenville had total assets of $111.2 million, total deposits of $92.9 million, and stockholders’ equity of $10.5 million at March 31, 2013.

2. Securities Available For Sale: Securities Available for Sale Pledged as Collateral Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Securities Available for Sale Pledged as Collateral Policy

The Company had no sales of securities during the three months or nine months ended March 31, 2013 or 2012.

2. Securities Available For Sale: Securities with Unrealized Losses Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Securities with Unrealized Losses Policy	The total number of securities with unrealized losses at March 31, 2013, and June 30, 2012 were 16 and 22, respectively. Unrealized losses on securities have not been recognized in income because management has the intent and ability to hold the securities for the foreseeable future, and has determined that it is not more likely than not that the Company will be required to sell the securities prior to a recovery in value. The decline in fair value was largely due to decreases in market interest rates. The Company had no other than temporary impairment losses during the three months or nine months ended March 31, 2013 or the year ended June 30, 2012. The Bank, as a member of the FHLB, is required to maintain an investment in FHLB capital stock. No ready market exists for the FHLB stock and the carrying value approximates its fair value based on the redemption provisions of the FHLB.

3. Loans: Impaired Financing Receivable, Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Impaired Financing Receivable, Policy	The table above includes $11,952 and $6,887, of impaired loans that were not individually evaluated at March 31, 2013 and June 30, 2012, respectively, because these loans did not meet the Company’s threshold for individual impairment evaluation. The recorded allowance above includes $286 and $261 related to these loans that were not individually evaluated at March 31, 2013 and June 30, 2012, respectively.

3. Loans: Loans and Leases Receivable, Troubled Debt Restructuring Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Loans and Leases Receivable, Troubled Debt Restructuring Policy

3. Loans: Troubled Debt Restructuring Payment Default Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Troubled Debt Restructuring Payment Default Policy

Employee Stock Ownership Plan: ESOP Compensation Expense Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
ESOP Compensation Expense Policy	Compensation expense related to the ESOP for the three months and nine months ended March 31, 2013 was $196 and $537, respectively. Shares held by the ESOP include the following:

6. Equity Incentive Plan: Equity Incentive Plan Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Equity Incentive Plan Policy

Share based compensation expense related to stock options and restricted stock recognized for the three months ended March 31, 2013 was $445.

7. Commitments and Contingencies: Loan Commitments, Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Loan Commitments, Policy

7. Commitments and Contingencies: Restrictions on Cash Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Restrictions on Cash Policy	Restrictions on Cash – The Bank is required by regulation to maintain a varying cash reserve balance with the Federal Reserve System. The daily average calculated cash reserve required as of March 31, 2013 and June 30, 2012 was $1,121, and $1,466, respectively, which was satisfied by vault cash and balances held at the Federal Reserve.

7. Commitments and Contingencies: Standby Letters of Credit Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Standby Letters of Credit Policy	Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower’s failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of March 31, 2013 and June 30, 2012 were $46 and $75. There was no liability recorded for these letters of credit at March 31, 2013 or June 30, 2012.

8. Fair Value of Financial Instruments: Off-Balance-Sheet Credit Exposure, Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Off-Balance-Sheet Credit Exposure, Policy	The Company had off-balance sheet financial commitments, which include approximately $218,828 and $213,979 of commitments to originate loans, undisbursed portions of interim construction loans, and unused lines of credit at March 31, 2013 and June 30, 2012 (see Note 5). Since these commitments are based on current rates, the carrying amount approximates the fair value.

9. Subsequent Events: Subsequent Events, Policy (Policies)	3 Months Ended
	Mar. 31, 2013
Policies
Subsequent Events, Policy	On May 3, 2013, the Company and BankGreenville Financial Corporation (“BankGreenville”) entered into an Agreement and Plan of Merger, pursuant to which BankGreenville will be merged with and into the Company, with the Company as the surviving entity. The merger agreement has been unanimously approved by the boards of directors of both companies. The transaction is anticipated to close in the third calendar quarter of 2013, subject to customary closing conditions, including regulatory approvals and BankGreenville shareholder approval. Under the terms of the agreement, BankGreenville shareholders will receive $6.60 per share in cash consideration. This represents approximately $7.8 million of aggregate deal consideration. Additional contingent cash consideration of up to $0.78 per share (or approximately $0.9 million) may be realized at the expiration of twenty four months following the closing of this transaction. The contingent consideration is based on the performance of a select pool of loans totaling approximately $8.0 million. BankGreenville had total assets of $111.2 million, total deposits of $92.9 million, and stockholders’ equity of $10.5 million at March 31, 2013.

2. Securities Available For Sale: Schedule of Available-for-sale Securities Reconciliation (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Available-for-sale Securities Reconciliation

	March 31, 2013
			Gross	Gross	Estimated
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
U.S. Government Agencies		$6,000	$4	$-	$6,004
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		21,594	265	(12)	21,847
Total		$27,594	$269	$(12)	$27,851

	June 30, 2012
			Gross	Gross	Estimated
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
U.S. Government Agencies		$6,102	$2	$(2)	$6,102
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		24,958	286	(11)	25,233
Total		$31,060	$288	$(13)	$31,335

2. Securities Available For Sale: Schedule of Investments Classified by Contractual Maturity Date (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Investments Classified by Contractual Maturity Date

	March 31, 2013
		Amortized	Estimated
		Cost	Fair Value
Due within one year		$-	$-
Due after one year through five years		6,000	6,004
Due after five years through ten years		-	-
Due after ten years		-	-
Mortgage-backed securities		21,594	21,847
Total		$27,594	$27,851

2. Securities Available For Sale: Schedule of Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value

	March 31, 2013
	Less than 12 Months			12 Months or More			Total
		Fair	Unrealized		Fair	Unrealized		Fair	Unrealized
		Value	Losses		Value	Losses		Value	Losses
U.S. Government Agencies		$-	$-		$-	$-		$-	$-
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		57	(1)		2,234	(11)		2,291	(12)
Total		$57	$(1)		$2,234	$(11)		$2,291	$(12)

	June 30, 2012
	Less than 12 Months			12 Months or More			Total
		Fair	Unrealized		Fair	Unrealized		Fair	Unrealized
		Value	Losses		Value	Losses		Value	Losses
U.S. Government Agencies		$-	$-		$100	$(2)		$100	$(2)
Residential Mortgage-backed
Securities of U.S. Government
Agencies and Government-
Sponsored Enterprises		2,908	(8)		100	(3)		3,008	(11)
Total		$2,908	$(8)		$200	$(5)		$3,108	$(13)

3. Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Accounts, Notes, Loans and Financing Receivable

	March 31,	June 30,
	2013	2012
Retail consumer loans:
One to four family	$608,277		$620,486
Home equity lines of credit	128,795		143,052
Construction and land/lots	47,559		53,572
Consumer	3,362		3,819
Total retail consumer loans	787,993		820,929
Commercial loans:
Commercial real estate	228,714		238,644
Construction and development	32,084		42,362
Commercial and industrial	11,893		14,578
Municipal leases	113,330		115,516
Total commercial loans	386,021		411,100
Total loans	1,174,014		1,232,029
Deferred loan fees, net	(1,458)		(1,860)
Discount on loans from business combination	(972)		(1,124)
Total loans, net of deferred loan fees and discount	1,171,584		1,229,045
Allowance for loan and lease losses	(32,961)		(35,100)
Loans, net	$1,138,623		$1,193,945

3. Loans: Schedule of Loans by Segment, Class and Grade (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Loans by Segment, Class and Grade

		Special
	Pass	Mention	Substandard	Doubtful	Loss	Total
March 31, 2013
Retail consumer loans:
One to four family	$540,237	$15,145	$49,304	$3,551	$40	$608,277
Home equity lines of credit	120,596	1,519	5,037	1,639	4	128,795
Construction and land/lots	44,340	414	2,151	654	-	47,559
Consumer	2,526	576	249	10	1	3,362
Commercial loans:
Commercial real estate	172,461	20,444	31,515	4,293	1	228,714
Construction and development	13,710	6,418	11,814	142	-	32,084
Commercial and industrial	10,620	863	250	157	3	11,893
Municipal leases	110,991	2,339	-	-	-	113,330
Total loans	$1,015,481	$47,718	$100,320	$10,446	$49	$1,174,014

		Special
	Pass	Mention	Substandard	Doubtful	Loss	Total
June 30, 2012
Retail consumer loans:
One to four family	$553,457	$9,305	$55,338	$2,366	$20	$620,486
Home equity lines of credit	134,959	1,267	5,620	1,204	2	143,052
Construction and land/lots	48,759	704	3,084	1,025	-	53,572
Consumer	3,563	55	159	39	3	3,819
Commercial loans:
Commercial real estate	195,372	16,291	25,958	1,023	-	238,644
Construction and development	20,074	5,739	16,406	142	1	42,362
Commercial and industrial	9,818	1,073	3,527	157	3	14,578
Municipal leases	113,829	633	1,054	-	-	115,516
Total loans	$1,079,831	$35,067	$111,146	$5,956	$29	$1,232,029

3. Loans: Schedule of Loans by Segment, Class and Delinquency Status (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Loans by Segment, Class and Delinquency Status

	Past Due				Total
	30-89 Days	90 Days+	Total	Current	Loans
March 31, 2013
Retail consumer loans:
One to four family	$6,952	$10,855	$17,807	$590,470	$608,277
Home equity lines of credit	483	2,220	2,703	126,092	128,795
Construction and land/lots	357	677	1,034	46,525	47,559
Consumer	2	51	53	3,309	3,362
Commercial loans:
Commercial real estate	1,342	9,570	10,912	217,802	228,714
Construction and development	132	5,633	5,765	26,319	32,084
Commercial and industrial	83	172	255	11,638	11,893
Municipal leases	338	-	338	112,992	113,330
Total loans	$9,689	$29,178	$38,867	$1,135,147	$1,174,014

	Past Due				Total
	30-89 Days	90 Days+	Total	Current	Loans
June 30, 2012
Retail consumer loans:
One to four family	$10,532	$11,629	$22,161	$598,325	$620,486
Home equity lines of credit	388	2,613	3,001	140,051	143,052
Construction and land/lots	789	1,405	2,194	51,378	53,572
Consumer	54	35	89	3,730	3,819
Commercial loans:
Commercial real estate	4,188	6,071	10,259	228,385	238,644
Construction and development	331	6,001	6,332	36,030	42,362
Commercial and industrial	155	266	421	14,157	14,578
Municipal leases	-	-	-	115,516	115,516
Total loans	$16,437	$28,020	$44,457	$1,187,572	$1,232,029

3. Loans: Schedule of Past Due Financing Receivables (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Past Due Financing Receivables

	March 31, 2013		June 30, 2012
		90 Days + &		90 Days + &
	Nonaccruing	still accruing	Nonaccruing	still accruing
Retail consumer loans:
One to four family	$29,085	$-	$27,659	$-
Home equity lines of credit	4,137	-	4,781	-
Construction and land/lots	2,437	-	3,437	-
Consumer	53	-	76	-
Commercial loans:
Commercial real estate	24,031	-	15,008	-
Construction and development	10,567	-	12,583	-
Commercial and industrial	1,396	-	637	-
Municipal leases	-	-	-	-
Total loans	$71,706	$-	$64,181	$-

3. Loans: Schedule of Troubled Debt Restructurings Performing and Excluded from Nonaccruing Loans (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Troubled Debt Restructurings Performing and Excluded from Nonaccruing Loans

	March 31,	June 30,
	2013	2012
Performing TDRs included in
impaired loans	$17,133	$20,588

3. Loans: Schedule of Allowance for Credit Losses on Financing Receivables (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Allowance for Credit Losses on Financing Receivables

	Three Months Ended March 31, 2013			Three Months Ended March 31, 2012
	Retail			Retail
	Consumer	Commercial	Total	Consumer		Commercial		Total
Balance at beginning of period	$22,173	$12,076	$34,249		$21,156		$15,618		$36,774
Provision for loan losses	350	150	500		3,526		974		4,500
Charge-offs	(1,219)	(918)	(2,137)		(3,130)		(2,317)		(5,447)
Recoveries	308	41	349		185		109		294
Balance at end of period	$21,612	$11,349	$32,961		$21,737		$14,384		$36,121

	Nine Months Ended March 31, 2013			Nine Months Ended March 31, 2012
	Retail			Retail
	Consumer	Commercial	Total	Consumer		Commercial		Total
Balance at beginning of period	$21,172	$13,928	$35,100		$23,511		$26,629		$50,140
Provision for loan losses	3,189	(889)	2,300		11,449		2,151		13,600
Charge-offs	(3,295)	(2,958)	(6,253)		(13,563)		(15,244)		(28,807)
Recoveries	546	1,268	1,814		340		848		1,188
Balance at end of period	$21,612	$11,349	$32,961		$21,737		$14,384		$36,121

3. Loans: Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class

	Allowance for Loan Losses			Total Loans Receivable
	Loans			Loans
	individually	Loans		individually	Loans
	evaluated for	Collectively		evaluated for	Collectively
	impairment	Evaluated	Total	impairment	Evaluated	Total
March 31, 2013
Retail consumer loans:
One- to four-family	$648	$14,350	$14,998	$36,940	$571,337	$608,277
Home equity	409	3,432	3,841	4,492	124,303	128,795
Construction and land/lots	3	2,635	2,638	2,214	45,345	47,559
Consumer	1	134	135	1	3,361	3,362
Commercial loans:
Commercial real estate	506	6,188	6,694	26,043	202,671	228,714
Construction and development	271	3,211	3,482	10,698	21,386	32,084
Commercial and industrial	52	171	223	2,499	9,394	11,893
Municipal leases	-	950	950	-	113,330	113,330
Total	$1,890	$31,071	$32,961	$82,887	$1,091,127	$1,174,014

	Allowance for Loan Losses			Total Loans Receivable
	Loans			Loans
	individually	Loans		individually	Loans
	evaluated for	Collectively		evaluated for	Collectively
	impairment	Evaluated	Total	impairment	Evaluated	Total
June 30, 2012
Retail consumer loans:
One- to four-family	$596	$13,961	$14,557	$36,011	$584,475	$620,486
Home equity	238	3,293	3,531	4,382	138,670	143,052
Construction and land/lots	68	2,887	2,955	3,772	49,800	53,572
Consumer	2	127	129	3	3,816	3,819
Commercial loans:
Commercial real estate	407	6,047	6,454	20,266	218,378	238,644
Construction and development	154	6,099	6,253	14,389	27,973	42,362
Commercial and industrial	111	204	315	2,965	11,613	14,578
Municipal leases	-	906	906	-	115,516	115,516
Total	$1,576	$33,524	$35,100	$81,788	$1,150,241	$1,232,029

3. Loans: Schedule of Impaired Loans and Related Allowance by Segment and Class (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Impaired Loans and Related Allowance by Segment and Class

	Total Impaired Loans
	With a	With No		Related
	Recorded	Recorded		Recorded
	Allowance	Allowance	Total	Allowance
March 31, 2013
Retail consumer loans:
One to four family	$14,704	$30,485	$45,189	$840
Home equity lines of credit	3,321	2,958	6,279	458
Construction and land/lots	310	2,166	2,476	17
Consumer	52	1	53	3
Commercial loans:
Commercial real estate	4,248	22,633	26,881	535
Construction and development	804	10,342	11,146	271
Commercial and industrial	110	2,705	2,815	52
Municipal leases	-	-	-	-
Total impaired loans	$23,549	$71,290	$94,839	$2,176

	Total Impaired Loans
	With a	With No		Related
	Recorded	Recorded		Recorded
	Allowance	Allowance	Total	Allowance
June 30, 2012
Retail consumer loans:
One to four family	$7,787	$32,802	$40,589	$685
Home equity lines of credit	1,163	4,093	5,256	256
Construction and land/lots	462	3,440	3,902	75
Consumer	73	3	76	4
Commercial loans:
Commercial real estate	2,281	18,214	20,495	413
Construction and development	1,616	13,461	15,077	289
Commercial and industrial	501	2,779	3,280	115
Municipal leases	-	-	-	-
Total impaired loans	$13,883	$74,792	$88,675	$1,837

3. Loans: Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized

	March 31, 2013				June 30, 2012
		Average	Unpaid	Interest		Average	Unpaid	Interest
		Recorded	Principal	Income		Recorded	Principal	Income
		Investment	Balance	Recognized		Investment	Balance	Recognized
Retail consumer loans:
One to four family		$44,079	$41,687	$1,403		$42,829	$41,006	$1,799
Home equity lines of credit		5,601	8,345	130		5,531	8,329	208
Construction and land/lots		3,334	5,418	125		4,926	8,244	253
Consumer		73	146	2		48	98	1
Commercial loans:
Commercial real estate		25,173	32,601	1,020		21,249	25,679	1,184
Construction and development		13,583	18,101	367		26,994	23,070	763
Commercial and industrial		3,077	3,576	130		3,138	4,535	218
Municipal leases		77	-	-		531	-	-
Total loans		$94,997	$109,874	$3,177		$105,246	$110,961	$4,426

3. Loans: Schedule of Debtor Troubled Debt Restructuring, Current Period (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Debtor Troubled Debt Restructuring, Current Period

	Three Months Ended			Three Months Ended
	March 31, 2013			March 31, 2012
	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment
Below market interest rate:
Retail consumer:
One to four family	-	$-	$-	9	$3,028	$3,641
Home equity lines of credit	-	-	-	2	81	81
Commercial:
Construction and development	-	-	-	-	-	-
Total	-	$-	$-	11	$3,109	$3,722

Extended payment terms:
Retail consumer:
One to four family	-	$-	$-	3	$568	$577
Home equity lines of credit	3	45	44	-	-	-
Construction and land/lots	1	188	187	-	-	-
Commercial:
Commercial and industrial	1	30	29	1	14	-
Total	5	$263	$260	4	$582	$577

Other TDRs:
Retail consumer:
One to four family	7	$824	$798	2	$168	$167
Home equity lines of credit	2	152	152	-	-	-
Commercial:
Commercial real estate	-	-	-	2	254	247
Construction and development	-	-	-	1	265	265
Total	9	$976	$950	5	$687	$679

Total	14	$1,239	$1,210	20	$4,378	$4,978

	Nine Months Ended			Nine Months Ended
	March 31, 2013			March 31, 2012
	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment	Number of Loans	Pre Modification Outstanding Recorded Investment	Post Modification Outstanding Recorded Investment
Below market interest rate:
Retail consumer:
One to four family	3	$694	$686	26	$8,052	$7,837
Home equity lines of credit	-	-	-	2	81	81
Construction and land/lots	-	-	-	2	172	172
Commercial:
Commercial real estate	1	237	233	1	286	281
Construction and development	-	-	-	1	260	256
Total	4	$931	$919	32	$8,851	$8,627

Extended payment terms:
Retail consumer:
One to four family	1	$13	$12	13	$2,424	$2,295
Home equity lines of credit	4	85	83	2	73	71
Construction and land/lots	1	188	187	-	-	-
Commercial:
Commercial real estate	-	-	-	2	405	321
Construction and development	-	-	-	2	2,694	2,694
Commercial and industrial	1	30	29	3	119	101
Total	7	$316	$311	22	$5,715	$5,482

Other TDRs:
Retail consumer:
One to four family	82	$5,591	$5,512	9	$1,702	$1,678
Home equity lines of credit	42	1,337	1,326	1	35	35
Construction and land/lots	7	209	202	1	182	175
Commercial:
Commercial real estate	4	332	127	5	945	884
Construction and development	-	-	-	6	2,413	1,744
Total	135	$7,469	$7,167	22	$5,277	$4,516

Total	146	$8,716	$8,397	76	$19,843	$18,625

3. Loans: Schedule of Troubled Debt Restructurings With Payment Default (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Troubled Debt Restructurings With Payment Default

	Three Months Ended		Three Months Ended
	March 31, 2013		March 31, 2012
	Number of	Recorded	Number of	Recorded
	Loans	Investment	Loans	Investment
Below market interest rate:
Retail consumer:
One to four family	4	$482	2	$56
Total	4	$482	2	$56

Extended payment terms:
Retail consumer:
One to four family	2	$90	2	$423
Home equity lines of credit	1	12	-	-
Commercial:
Construction and development	1	29	3	2,782
Total	4	$131	5	$3,205

Other TDRs:
Retail consumer:
One to four family	19	$1,711	-	$-
Home equity lines of credit	7	121	-	-
Construction and land/lots	5	92	-	-
Commercial:
Commercial real estate	2	124	-	-
Total	33	$2,048	-	$-
Total	41	$2,661	7	$3,261

	Nine Months Ended		Nine Months Ended
	March 31, 2013		March 31, 2012
	Number of	Recorded	Number of	Recorded
	Loans	Investment	Loans	Investment
Below market interest rate:
Retail consumer:
One to four family	4	$482	7	$1,609
Construction and land/lots	-	-	2	393
Total	4	$482	9	$2,002

Extended payment terms:
Retail consumer:
One to four family	3	$213	6	$772
Home equity lines of credit	1	12	-	-
Commercial:
Construction and development	-	-	3	2,782
Commercial and industrial	1	29	-	-
Total	5	$254	9	$3,554

Other TDRs:
Retail consumer:
One to four family	24	$2,125	-	$-
Home equity lines of credit	8	131	-	-
Construction and land/lots	5	174	-	-
Commercial:
Commercial real estate	2	124	2	242
Construction and development	1	68	-	-
Total	40	$2,622	2	$242
Total	49	$3,358	20	$5,798

Employee Stock Ownership Plan: Schedule of Share-based Compensation, Employee Stock Purchase Plan, Activity (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Share-based Compensation, Employee Stock Purchase Plan, Activity

	March 31,
	2013
Unallocated ESOP shares		1,018,325
ESOP shares committed to be released		39,675
Total ESOP shares		1,058,000
Fair value of unallocated ESOP shares		$16,090

5. Net Income Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Earnings Per Share, Basic and Diluted

	Three Months Ended			Nine Months Ended
	March 31,			March 31,
		2013	2012	2013		2012

Numerator:
Net income available to common stockholders		$2,615	$2,016		$6,035		$3,143
Denominator:
Weighted-average common shares outstanding - basic		20,019,609	-		20,083,915		-
Effect of dilutive shares		17,266	-		5,671		-
Weighted-average common shares outstanding - diluted		20,036,875	-		20,089,586		-
Net income per share - basic		$0.13	$-		$0.30		$-
Net income per share - diluted		$0.13	$-		$0.30		$-

6. Equity Incentive Plan: Equity Incentive Plan Stock Option Activity (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Equity Incentive Plan Stock Option Activity

		Weighted-	Remaining
		average	contractual life
	Options	exercise price	(years)
Options outstanding at December 31, 2012	-	-	-
Granted	1,557,000	$14.37	9.8
Exercised	-	-	-
Forfeited	-	-	-
Expired	-	-	-
Options outstanding at March 31, 2013	1,557,000	$14.37	9.8

6. Equity Incentive Plan: Equity Incentive Plan Restricted Stock Award Activity (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Equity Incentive Plan Restricted Stock Award Activity

		Weighted-
	Restricted	average grant
	stock awards	date fair value
Non-vested at December 31, 2012	-	-
Granted	511,300	$14.37
Vested	-	-
Forfeited	-	-
Non-vested at March 31, 2013	511,300	$14.37

8. Fair Value of Financial Instruments: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

	March 31, 2013
Description		Total	Level 1	Level 2		Level 3
U.S Government Agencies		$6,004	$-	$6,004	$-
Residential Mortgage-backed Securities of U.S. Government Agencies and Government sponsored Enterprises		21,847	-	21,847	-
Total		$27,851	$-	$27,851	$-

	June 30, 2012
Description		Total	Level 1	Level 2	Level 3
U.S Government Agencies		$6,102	$-	$6,102	$-
Residential Mortgage-backed Securities of U.S. Government Agencies and Government sponsored Enterprises		25,233	-	25,233	-
Total		$31,335	$-	$31,335	$-

8. Fair Value of Financial Instruments: Schedule of Fair Value Measurements, Nonrecurring (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Fair Value Measurements, Nonrecurring

	Nine Months Ended March 31, 2013
Description		Total	Level 1	Level 2	Level 3
Impaired Loans		$13,784	$-	$-	$13,784
Other real estate owned		2,904	-	-	2,904
Total		$16,688	$-	$-	$16,688

	Year Ended June 30, 2012
		Total	Level 1	Level 2	Level 3
Impaired Loans		$30,585	$-	$-	$30,585
Other real estate owned		12,093	-	-	12,093
Total		$42,678	$-	$-	$42,678

8. Fair Value of Financial Instruments: Schedule of Quantitative Information About Level 3 Fair Value Measurements (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Quantitative Information About Level 3 Fair Value Measurements

	Fair Value at
	March 31,	Valuation	Unobservable
	2013	Techniques	Input	Range
Nonrecurring measurements:
Impaired loans, net	$13,784	Discounted Appraisals	Collateral discounts	5% - 40%
Other real estate owned	2,904	Discounted Appraisals	Collateral discounts	10% - 15%

8. Fair Value of Financial Instruments: Schedule of Fair Value, by Balance Sheet Grouping (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Fair Value, by Balance Sheet Grouping

	March 31, 2013
		Carrying	Fair
		Value	Value	Level 1	Level 2	Level 3
Cash and interest-bearing deposits		$131,778	$131,778	$131,778	$-	$-
Certificates of deposit in other banks		132,300	132,300	-	132,300	-
Securities available for sale		27,851	27,851	-	27,851	-
Loans, net		1,138,623	1,090,207	-	-	1,090,207
Loans held for sale		8,997	9,132	-	-	9,132
Federal Home Loan Bank stock		1,854	1,854	1,854	-	-
Accrued interest receivable		5,470	5,470	-	156	5,315
Noninterest-bearing and NOW deposits		252,577	252,577	-	252,577	-
Money market accounts		268,261	268,261	-	268,261	-
Savings accounts		81,580	81,580	-	81,580	-
Certificates of deposit		563,956	568,160	-	568,160	-
Accrued interest payable		96	96	-	96	-

	June 30, 2012
		Carrying	Fair
		Value	Value	Level 1	Level 2	Level 3
Cash and interest-bearing deposits		$224,801	$224,801	$224,801	$-	$-
Certificates of deposit in other banks		108,010	108,010	-	108,010	-
Securities available for sale		31,335	31,335	-	31,335	-
Loans, net		1,204,732	1,155,429	-	-	1,155,429
Loans held for sale		10,787	10,949	-	-	10,949
Federal Home Loan Bank stock		6,300	6,300	6,300	-	-
Accrued interest receivable		6,008	6,008	-	137	5,871
Noninterest-bearing and NOW deposits		230,683	230,683	-	230,683	-
Money market accounts		257,865	257,865	-	257,865	-
Savings accounts		347,669	347,669	-	347,669	-
Certificates of deposit		629,958	634,379	-	634,379	-
Other borrowings		22,265	24,998	-	24,998	-
Accrued interest payable		242	242	-	242	-

- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13476-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13467-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13433-108611

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 19
-Subparagraph a, b, c(1), d(1)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 14
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15
-Subparagraph b-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 18
-Subparagraph c(2), d, e, f
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-Subparagraph a, c(1), c(2), c(3), d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

2. Securities Available For Sale: Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Securities available for sale, at fair value	$ 27,851	$ 31,335
US Government Agencies
Available-for-sale Securities, Amortized Cost Basis	6,000	6,102
Available-for-sale Securities, Gross Unrealized Gains	4	2
Available-for-sale Securities, Gross Unrealized Losses		(2)
Securities available for sale, at fair value	6,004	6,102
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Amortized Cost Basis	21,594	24,958
Available-for-sale Securities, Gross Unrealized Gains	265	286
Available-for-sale Securities, Gross Unrealized Losses	(12)	(11)
Securities available for sale, at fair value	21,847	25,233
Total available for sale securities
Available-for-sale Securities, Amortized Cost Basis	27,594	31,060
Available-for-sale Securities, Gross Unrealized Gains	269	288
Available-for-sale Securities, Gross Unrealized Losses	(12)	(13)
Securities available for sale, at fair value	$ 27,851	$ 31,335

- Definition

This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.

+ References + Details

2. Securities Available For Sale: Schedule of Investments Classified by Contractual Maturity Date (Details) $ in Thousands	Mar. 31, 2013 USD ($)
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	$ 6,000
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	6,004
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis	27,594
Available-for-sale Securities, Debt Maturities, Fair Value	27,851
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis	21,594
Available-for-sale Securities, Debt Maturities, Fair Value	$ 21,847

2. Securities Available For Sale: Securities Available for Sale Pledged as Collateral Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Details
Available-for-sale Securities Pledged as Collateral	$ 22,144	$ 15,563
Securities Available for Sale Pledged as Collateral Market Value	$ 22,355	$ 15,727

2. Securities Available For Sale: Schedule of Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
US Government Agencies
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value		$ 100
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses		(2)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value		100
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses		(2)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 57	2,908
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses	(1)	(8)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	2,234	100
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses	(11)	(3)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	2,291	3,008
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses	(12)	(11)
Total available for sale securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	57	2,908
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses	(1)	(8)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	2,234	200
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses	(11)	(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	2,291	3,108
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses	$ (12)	$ (13)

2. Securities Available For Sale: Securities with Unrealized Losses Policy (Details)	Mar. 31, 2013	Jun. 30, 2012
Details
Number of Securities With Unrealized Losses	16	22

3. Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Allowance for loan losses	$ (32,961)	$ (35,100)
Net loans	1,138,623	1,193,945
Loans Receivable
Loans Receivable Gross	1,174,014	1,232,029
Loans and Leases Receivable, Deferred Income	(1,458)	(1,860)
Discount on loans from business combination	(972)	(1,124)
Loans Receivable Net of Deferred Loan Fees and Discount	1,171,584	1,229,045
Allowance for loan losses	(32,961)	(35,100)
Net loans	1,138,623	1,193,945
Retail consumer loans
One to four family real estate	608,277	620,486
Loans and Leases Receivable, Gross, Consumer, Home Equity	128,795	143,052
Construction and land/lots	47,559	53,572
Loans and Leases Receivable, Gross, Consumer	3,362	3,819
Total retail consumer loans	787,993	820,929
Commercial loans
Loans Receivable, Gross, Commercial, Mortgage	228,714	238,644
Loans Receivable Construction and Development	32,084	42,362
Loans Receivable, Gross, Commercial and Industrial	11,893	14,578
Loans Receivable Municipal Leases	113,330	115,516
Total commercial loans	$ 386,021	$ 411,100

3. Loans: Schedule of Loans by Segment, Class and Grade (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Pass
One to four family real estate	$ 540,237	$ 553,457
Loans and Leases Receivable, Gross, Consumer, Home Equity	120,596	134,959
Construction and land/lots	44,340	48,759
Loans and Leases Receivable, Gross, Consumer	2,526	3,563
Loans Receivable, Gross, Commercial, Mortgage	172,461	195,372
Loans Receivable Construction and Development	13,710	20,074
Loans Receivable, Gross, Commercial and Industrial	10,620	9,818
Loans Receivable Municipal Leases	110,991	113,829
Loans Receivable Gross	1,015,481	1,079,831
Special Mention
One to four family real estate	15,145	9,305
Loans and Leases Receivable, Gross, Consumer, Home Equity	1,519	1,267
Construction and land/lots	414	704
Loans and Leases Receivable, Gross, Consumer	576	55
Loans Receivable, Gross, Commercial, Mortgage	20,444	16,291
Loans Receivable Construction and Development	6,418	5,739
Loans Receivable, Gross, Commercial and Industrial	863	1,073
Loans Receivable Municipal Leases	2,339	633
Loans Receivable Gross	47,718	35,067
Substandard
One to four family real estate	49,304	55,338
Loans and Leases Receivable, Gross, Consumer, Home Equity	5,037	5,620
Construction and land/lots	2,151	3,084
Loans and Leases Receivable, Gross, Consumer	249	159
Loans Receivable, Gross, Commercial, Mortgage	31,515	25,958
Loans Receivable Construction and Development	11,814	16,406
Loans Receivable, Gross, Commercial and Industrial	250	3,527
Loans Receivable Municipal Leases		1,054
Loans Receivable Gross	100,320	111,146
Doubtful
One to four family real estate	3,551	2,366
Loans and Leases Receivable, Gross, Consumer, Home Equity	1,639	1,204
Construction and land/lots	654	1,025
Loans and Leases Receivable, Gross, Consumer	10	39
Loans Receivable, Gross, Commercial, Mortgage	4,293	1,023
Loans Receivable Construction and Development	142	142
Loans Receivable, Gross, Commercial and Industrial	157	157
Loans Receivable Gross	10,446	5,956
Unlikely to be Collected Financing Receivable
One to four family real estate	40	20
Loans and Leases Receivable, Gross, Consumer, Home Equity	4	2
Loans and Leases Receivable, Gross, Consumer	1	3
Loans Receivable, Gross, Commercial, Mortgage	1
Loans Receivable Construction and Development		1
Loans Receivable, Gross, Commercial and Industrial	3	3
Loans Receivable Gross	49	29
Total by Grade
One to four family real estate	608,277	620,486
Loans and Leases Receivable, Gross, Consumer, Home Equity	128,795	143,052
Construction and land/lots	47,559	53,572
Loans and Leases Receivable, Gross, Consumer	3,362	3,819
Loans Receivable, Gross, Commercial, Mortgage	228,714	238,644
Loans Receivable Construction and Development	32,084	42,362
Loans Receivable, Gross, Commercial and Industrial	11,893	14,578
Loans Receivable Municipal Leases	113,330	115,516
Loans Receivable Gross	$ 1,174,014	$ 1,232,029

3. Loans: Schedule of Loans by Segment, Class and Delinquency Status (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
One to four family loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	$ 6,952	$ 10,532
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	10,855	11,629
Financing Receivable, Recorded Investment, Past Due	17,807	22,161
Financing Receivable, Recorded Investment, Current	590,470	598,325
Total loans receivable	608,277	620,486
Home equity lines of credit
Financing receivable Recorded Investment 30 to 89 Days Past Due	483	388
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	2,220	2,613
Financing Receivable, Recorded Investment, Past Due	2,703	3,001
Financing Receivable, Recorded Investment, Current	126,092	140,051
Total loans receivable	128,795	143,052
Construction and land/lots loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	357	789
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	677	1,405
Financing Receivable, Recorded Investment, Past Due	1,034	2,194
Financing Receivable, Recorded Investment, Current	46,525	51,378
Total loans receivable	47,559	53,572
Consumer loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	2	54
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	51	35
Financing Receivable, Recorded Investment, Past Due	53	89
Financing Receivable, Recorded Investment, Current	3,309	3,730
Total loans receivable	3,362	3,819
Commercial real estate loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	1,342	4,188
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	9,570	6,071
Financing Receivable, Recorded Investment, Past Due	10,912	10,259
Financing Receivable, Recorded Investment, Current	217,802	228,385
Total loans receivable	228,714	238,644
Construction and development loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	132	331
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	5,633	6,001
Financing Receivable, Recorded Investment, Past Due	5,765	6,332
Financing Receivable, Recorded Investment, Current	26,319	36,030
Total loans receivable	32,084	42,362
Commercial and industrial loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	83	155
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	172	266
Financing Receivable, Recorded Investment, Past Due	255	421
Financing Receivable, Recorded Investment, Current	11,638	14,157
Total loans receivable	11,893	14,578
Municipal leases
Financing receivable Recorded Investment 30 to 89 Days Past Due	338
Financing Receivable, Recorded Investment, Past Due	338
Financing Receivable, Recorded Investment, Current	112,992	115,516
Total loans receivable	113,330	115,516
Total loans
Financing receivable Recorded Investment 30 to 89 Days Past Due	9,689	16,437
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	29,178	28,020
Financing Receivable, Recorded Investment, Past Due	38,867	44,457
Financing Receivable, Recorded Investment, Current	1,135,147	1,187,572
Total loans receivable	$ 1,174,014	$ 1,232,029

3. Loans: Schedule of Past Due Financing Receivables (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
One to four family loans
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 29,085	$ 27,659
Home equity lines of credit
Financing Receivable, Recorded Investment, Nonaccrual Status	4,137	4,781
Construction and land/lots loans
Financing Receivable, Recorded Investment, Nonaccrual Status	2,437	3,437
Consumer loans
Financing Receivable, Recorded Investment, Nonaccrual Status	53	76
Commercial real estate loans
Financing Receivable, Recorded Investment, Nonaccrual Status	24,031	15,008
Construction and development loans
Financing Receivable, Recorded Investment, Nonaccrual Status	10,567	12,583
Commercial and industrial loans
Financing Receivable, Recorded Investment, Nonaccrual Status	1,396	637
Total loans
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 71,706	$ 64,181

3. Loans: Schedule of Troubled Debt Restructurings Performing and Excluded from Nonaccruing Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Performing Financing Receivable
Performing restructured loans included in impaired loans	$ 17,133	$ 20,588

3. Loans: Schedule of Allowance for Credit Losses on Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Mar. 31, 2013	Mar. 31, 2012
Retail consumer loans
Allowance for Doubtful Accounts Beginning of Period	$ 22,173	$ 21,156	$ 21,172	$ 23,511
Allowance for Loan and Lease Losses, Provision for Loss, Gross	350	3,526	3,189	11,449
Allowance for Loan and Lease Losses, Write-offs	(1,219)	(3,130)	(3,295)	(13,563)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	308	185	546	340
Allowance for Doubtful Accounts End of Period	21,612	21,737	21,612	21,737
Commercial loans
Allowance for Doubtful Accounts Beginning of Period	12,076	15,618	13,928	26,629
Allowance for Loan and Lease Losses, Provision for Loss, Gross	150	974	(889)	2,151
Allowance for Loan and Lease Losses, Write-offs	(918)	(2,317)	(2,958)	(15,244)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	41	109	1,268	848
Allowance for Doubtful Accounts End of Period	11,349	14,384	11,349	14,384
Total loans
Allowance for Doubtful Accounts Beginning of Period	34,249	36,774	35,100	50,140
Allowance for Loan and Lease Losses, Provision for Loss, Gross	500	4,500	2,300	13,600
Allowance for Loan and Lease Losses, Write-offs	(2,137)	(5,447)	(6,253)	(28,807)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	349	294	1,814	1,188
Allowance for Doubtful Accounts End of Period	$ 32,961	$ 36,121	$ 32,961	$ 36,121

3. Loans: Schedule of Ending Balances of Loans and the Related Allowance by Segment and Class (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Allowance for loan losses	$ (32,961)	$ (35,100)
Allowance for Loan Losses \| One to four family loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	648	596
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	14,350	13,961
Allowance for loan losses	14,998	14,557
Financing Receivable, Individually Evaluated for Impairment	36,940	36,011
Financing Receivable, Collectively Evaluated for Impairment	571,337	584,475
Loans Receivable Gross	608,277	620,486
Allowance for Loan Losses \| Home equity lines of credit
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	409	238
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,432	3,293
Allowance for loan losses	3,841	3,531
Financing Receivable, Individually Evaluated for Impairment	4,492	4,382
Financing Receivable, Collectively Evaluated for Impairment	124,303	138,670
Loans Receivable Gross	128,795	143,052
Allowance for Loan Losses \| Construction and land/lots loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	3	68
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	2,635	2,887
Allowance for loan losses	2,638	2,955
Financing Receivable, Individually Evaluated for Impairment	2,214	3,772
Financing Receivable, Collectively Evaluated for Impairment	45,345	49,800
Loans Receivable Gross	47,559	53,572
Allowance for Loan Losses \| Consumer loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1	2
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	134	127
Allowance for loan losses	135	129
Financing Receivable, Individually Evaluated for Impairment	1	3
Financing Receivable, Collectively Evaluated for Impairment	3,361	3,816
Loans Receivable Gross	3,362	3,819
Allowance for Loan Losses \| Commercial real estate loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	506	407
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	6,188	6,047
Allowance for loan losses	6,694	6,454
Financing Receivable, Individually Evaluated for Impairment	26,043	20,266
Financing Receivable, Collectively Evaluated for Impairment	202,671	218,378
Loans Receivable Gross	228,714	238,644
Allowance for Loan Losses \| Construction and development loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	271	154
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	3,211	6,099
Allowance for loan losses	3,482	6,253
Financing Receivable, Individually Evaluated for Impairment	10,698	14,389
Financing Receivable, Collectively Evaluated for Impairment	21,386	27,973
Loans Receivable Gross	32,084	42,362
Allowance for Loan Losses \| Commercial and industrial loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	52	111
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	171	204
Allowance for loan losses	223	315
Financing Receivable, Individually Evaluated for Impairment	2,499	2,965
Financing Receivable, Collectively Evaluated for Impairment	9,394	11,613
Loans Receivable Gross	11,893	14,578
Allowance for Loan Losses \| Municipal leases
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	950	906
Allowance for loan losses	950	906
Financing Receivable, Collectively Evaluated for Impairment	113,330	115,516
Loans Receivable Gross	113,330	115,516
Allowance for Loan Losses \| Total loans
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	1,890	1,576
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	31,071	33,524
Allowance for loan losses	32,961	35,100
Financing Receivable, Individually Evaluated for Impairment	82,887	81,788
Financing Receivable, Collectively Evaluated for Impairment	1,091,127	1,150,241
Loans Receivable Gross	$ 1,174,014	$ 1,232,029

3. Loans: Schedule of Impaired Loans and Related Allowance by Segment and Class (Details) - Total Impaired Loans - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
One to four family loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	$ 14,704	$ 7,787
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	30,485	32,802
Impaired Financing Receivable, Recorded Investment	45,189	40,589
Impaired Financing Receivable, Related Allowance	840	685
Home equity lines of credit
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,321	1,163
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,958	4,093
Impaired Financing Receivable, Recorded Investment	6,279	5,256
Impaired Financing Receivable, Related Allowance	458	256
Construction and land/lots loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	310	462
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,166	3,440
Impaired Financing Receivable, Recorded Investment	2,476	3,902
Impaired Financing Receivable, Related Allowance	17	75
Consumer loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	52	73
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1	3
Impaired Financing Receivable, Recorded Investment	53	76
Impaired Financing Receivable, Related Allowance	3	4
Commercial real estate loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	4,248	2,281
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	22,633	18,214
Impaired Financing Receivable, Recorded Investment	26,881	20,495
Impaired Financing Receivable, Related Allowance	535	413
Construction and development loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	804	1,616
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	10,342	13,461
Impaired Financing Receivable, Recorded Investment	11,146	15,077
Impaired Financing Receivable, Related Allowance	271	289
Commercial and industrial loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	110	501
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,705	2,779
Impaired Financing Receivable, Recorded Investment	2,815	3,280
Impaired Financing Receivable, Related Allowance	52	115
Total impaired loans
Impaired Financing Receivable, with Related Allowance, Recorded Investment	23,549	13,883
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	71,290	74,792
Impaired Financing Receivable, Recorded Investment	94,839	88,675
Impaired Financing Receivable, Related Allowance	$ 2,176	$ 1,837

3. Loans: Impaired Financing Receivable, Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Details
Impaired Loans Not Individually Evaluated	$ 11,952	$ 6,887
Recorded Allowance of Impaired Loans Not Individually Evaluated	$ 286	$ 261

3. Loans: Schedule of Average Recorded Investment in Loans, Unpaid Principal Balance and Interest Income Recognized (Details) - Impaired loans - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2013	Jun. 30, 2012
One to four family loans
Impaired Financing Receivable, Average Recorded Investment	$ 44,079	$ 42,829
Impaired Financing Receivable, Unpaid Principal Balance	41,687	41,006
Impaired Financing Receivable, Interest Income, Accrual Method	1,403	1,799
Home equity lines of credit
Impaired Financing Receivable, Average Recorded Investment	5,601	5,531
Impaired Financing Receivable, Unpaid Principal Balance	8,345	8,329
Impaired Financing Receivable, Interest Income, Accrual Method	130	208
Construction and land/lots loans
Impaired Financing Receivable, Average Recorded Investment	3,334	4,926
Impaired Financing Receivable, Unpaid Principal Balance	5,418	8,244
Impaired Financing Receivable, Interest Income, Accrual Method	125	253
Consumer loans
Impaired Financing Receivable, Average Recorded Investment	73	48
Impaired Financing Receivable, Unpaid Principal Balance	146	98
Impaired Financing Receivable, Interest Income, Accrual Method	2	1
Commercial real estate loans
Impaired Financing Receivable, Average Recorded Investment	25,173	21,249
Impaired Financing Receivable, Unpaid Principal Balance	32,601	25,679
Impaired Financing Receivable, Interest Income, Accrual Method	1,020	1,184
Construction and development loans
Impaired Financing Receivable, Average Recorded Investment	13,583	26,994
Impaired Financing Receivable, Unpaid Principal Balance	18,101	23,070
Impaired Financing Receivable, Interest Income, Accrual Method	367	763
Commercial and industrial loans
Impaired Financing Receivable, Average Recorded Investment	3,077	3,138
Impaired Financing Receivable, Unpaid Principal Balance	3,576	4,535
Impaired Financing Receivable, Interest Income, Accrual Method	130	218
Municipal leases
Impaired Financing Receivable, Average Recorded Investment	77	531
Total impaired loans
Impaired Financing Receivable, Average Recorded Investment	94,997	105,246
Impaired Financing Receivable, Unpaid Principal Balance	109,874	110,961
Impaired Financing Receivable, Interest Income, Accrual Method	$ 3,177	$ 4,426

3. Loans: Loans and Leases Receivable, Troubled Debt Restructuring Policy (Details) $ in Thousands	9 Months Ended
	Mar. 31, 2013 USD ($)
One to four family loans
Increase in Number of Troubled Debt Restructurings	82
Increase in Amount of Troubled Debt Restructurings	$ 5,600
Increase in Amount of Troubled Debt Restructurings as a Result of REgulations	1,300
Troubled Debt Restructurings as a Result of Regulations	$ 4,900
Troubled Debt Restructuring Number of Loans	77
Home equity lines of credit
Increase in Number of Troubled Debt Restructurings	42
Troubled Debt Restructurings as a Result of Regulations	$ 1,200
Troubled Debt Restructuring Number of Loans	41

3. Loans: Schedule of Troubled Debt Restructurings With Payment Default (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2013 USD ($)	Mar. 31, 2012 USD ($)	Mar. 31, 2013 USD ($)	Mar. 31, 2012 USD ($)
Troubled Debt Restructurings With Payment Default \| Total troubled debt restructured loans subsequent default
Troubled Debt Restructuring Subsequent Default Number of Loans	41	7	49	20
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 2,661	$ 3,261	$ 3,358	$ 5,798
Below market interest rate \| One to four family loans
Troubled Debt Restructuring Subsequent Default Number of Loans	4	2	4	7
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 482	$ 56	$ 482	$ 1,609
Below market interest rate \| Total loans
Troubled Debt Restructuring Subsequent Default Number of Loans	4	2	4	9
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 482	$ 56	$ 482	$ 2,002
Below market interest rate \| Construction and land/lots loans
Troubled Debt Restructuring Subsequent Default Number of Loans				2
Troubled Debt Restructuring Subsequent Default Recorded Investment				$ 393
Extended payment terms \| One to four family loans
Troubled Debt Restructuring Subsequent Default Number of Loans	2	2	3	6
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 90	$ 423	$ 213	$ 772
Extended payment terms \| Total loans
Troubled Debt Restructuring Subsequent Default Number of Loans	4	5	5	9
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 131	$ 3,205	$ 254	$ 3,554
Extended payment terms \| Home equity lines of credit
Troubled Debt Restructuring Subsequent Default Number of Loans	1		1
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 12		$ 12
Extended payment terms \| Construction and development loans
Troubled Debt Restructuring Subsequent Default Number of Loans	1	3		3
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 29	$ 2,782		$ 2,782
Extended payment terms \| Commercial and industrial loans
Troubled Debt Restructuring Subsequent Default Number of Loans			1
Troubled Debt Restructuring Subsequent Default Recorded Investment			$ 29
Other Troubled Debt Restructurings \| One to four family loans
Troubled Debt Restructuring Subsequent Default Number of Loans	19		24
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 1,711		$ 2,125
Other Troubled Debt Restructurings \| Total loans
Troubled Debt Restructuring Subsequent Default Number of Loans	33		40	2
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 2,048		$ 2,622	$ 242
Other Troubled Debt Restructurings \| Home equity lines of credit
Troubled Debt Restructuring Subsequent Default Number of Loans	7		8
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 121		$ 131
Other Troubled Debt Restructurings \| Construction and development loans
Troubled Debt Restructuring Subsequent Default Number of Loans			1
Troubled Debt Restructuring Subsequent Default Recorded Investment			$ 68
Other Troubled Debt Restructurings \| Construction and land/lots loans
Troubled Debt Restructuring Subsequent Default Number of Loans	5		5
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 92		$ 174
Other Troubled Debt Restructurings \| Commercial real estate loans
Troubled Debt Restructuring Subsequent Default Number of Loans	2		2	2
Troubled Debt Restructuring Subsequent Default Recorded Investment	$ 124		$ 124	$ 242

3. Loans: Troubled Debt Restructuring Payment Default Policy (Details) $ / shares in Units, $ in Thousands	9 Months Ended
	Mar. 31, 2013 USD ($) $ / shares
Details
Increase in Number of Troubled debt Restructured Loans with Payment Default \| $ / shares	$ 23
Increase in of Troubled debt Restructured Loans with Payment Default \| $	$ 1,300,000

Employee Stock Ownership Plan: Schedule of Share-based Compensation, Employee Stock Purchase Plan, Activity (Details) $ in Thousands	Mar. 31, 2013 USD ($) shares
Details
Employee Stock Ownership Plan (ESOP), Number of Suspense Shares	1,018,325
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares	39,675
Employee Stock Ownership Plan (ESOP), Shares in ESOP	1,058,000
Employee Stock Ownership Plan (ESOP), Deferred Shares, Fair Value \| $	$ 16,090

5. Net Income Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Mar. 31, 2013	Mar. 31, 2012
Basic	20,019,609		20,083,915
Diluted	20,036,875		20,089,586
Basic	$ 0.13		$ 0.30
Diluted	$ 0.13		$ 0.30
Earnings Per Share \| Numerator
Net Income (Loss) Available to Common Stockholders, Basic	$ 2,615	$ 2,016	$ 6,035	$ 3,143
Earnings Per Share \| Denominator
Basic	20,019,609		20,083,915
Shares Used in Computation of Diluted Earnings (Loss) Per Share	17,266		5,671
Diluted	20,036,875		20,089,586
Basic	$ 0.13		$ 0.30
Diluted	$ 0.13		$ 0.30

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=6880815&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=16381557&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 36, 37, 38
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9

+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

+ References + Details

- Definition

The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.

+ References + Details

- Definition

Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Weighted-Average Number of Common Shares Outstanding
-URI http://asc.fasb.org/extlink&oid=6528421

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

6. Equity Incentive Plan: Equity Incentive Plan Stock Option Activity (Details)	3 Months Ended
	Mar. 31, 2013 $ / shares shares
Outstanding Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross \| shares	1,557,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price \| $ / shares	$ 14.37
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term	9.8
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross \| shares	1,557,000
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice \| $ / shares	$ 14.37
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term	9.8
Options Granted
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross \| shares	1,557,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price \| $ / shares	$ 14.37
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term	9.8
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross \| shares	1,557,000
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice \| $ / shares	$ 14.37
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term	9.8

6. Equity Incentive Plan: Equity Incentive Plan Restricted Stock Award Activity (Details)	3 Months Ended
	Mar. 31, 2013 $ / shares shares
Nonvested Options
Stock Issued During Period, Shares, Restricted Stock Award, Gross \| shares	511,300
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value \| $ / shares	$ 14.37
StockIssuedDuringPeriodSharesRestrictedStockAwardGross \| shares	511,300
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue \| $ / shares	$ 14.37
Options Granted
Stock Issued During Period, Shares, Restricted Stock Award, Gross \| shares	511,300
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value \| $ / shares	$ 14.37
StockIssuedDuringPeriodSharesRestrictedStockAwardGross \| shares	511,300
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue \| $ / shares	$ 14.37

7. Commitments and Contingencies: Loan Commitments, Policy (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2013	Jun. 30, 2012
Details
Loans Receivable Commitment Undisbursed Portions of Construction Loans	$ 25,190	$ 14,960
Loans Receivable Outstanding Commitment to Extend Credit	37,664	44,736
Loans Receivable Commitments with Variable Rate	3,641	5,322
Loans Receivable Commitments with Fixed Rate	$ 34,023	$ 39,413
Loan Commitments with Fixed Rate Interest Rate Range	2.50% (unaudited) to 7.75%	3.59% to 5.75%
Pre-approved but Unused Lines of Credit	$ 155,974	$ 154,283

7. Commitments and Contingencies: Restrictions on Cash Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Details
Cash Reserve Deposit Required and Made	$ 1,121	$ 1,466

7. Commitments and Contingencies: Standby Letters of Credit Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Details
Letters of Credit Outstanding, Amount	$ 46	$ 75

8. Fair Value of Financial Instruments: Schedule of Quantitative Information About Level 3 Fair Value Measurements (Details) - Nonrecurring measurements $ in Thousands	3 Months Ended
	Mar. 31, 2013 USD ($)
Impaired loans, net
Assets, Fair Value Disclosure, Nonrecurring	$ 13,784
Level 3 Fair Value Measurements Valuation Techniques	Discounted Appraisals
Level 3 Fair Value Measurements Unobservable Input	Collateral discounts
Level 3 Fair Value Measurements Range	5% - 40%
Foreclosed real estate
Assets, Fair Value Disclosure, Nonrecurring	$ 2,904
Level 3 Fair Value Measurements Valuation Techniques	Discounted Appraisals
Level 3 Fair Value Measurements Unobservable Input	Collateral discounts
Level 3 Fair Value Measurements Range	10% - 15%

8. Fair Value of Financial Instruments: Schedule of Fair Value, by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Fair Value, Inputs, Level 1 \| Cash and interest-bearing deposits
Financial Instruments Owned	$ 131,778	$ 224,801
Fair Value, Inputs, Level 1 \| Federal Home Loan Bank stock
Financial Instruments Owned	1,854	6,300
Fair Value, Inputs, Level 2 \| Certificates of deposit in other banks
Financial Instruments Owned	132,300	108,010
Fair Value, Inputs, Level 2 \| Securities available for sale
Financial Instruments Owned	27,851	31,335
Fair Value, Inputs, Level 2 \| Accrued interest receivable
Financial Instruments Owned	156	137
Fair Value, Inputs, Level 2 \| Noninterest-bearing and NOW deposits
Financial Instruments Owned	252,577	230,683
Fair Value, Inputs, Level 2 \| Money market accounts
Financial Instruments Owned	268,261	257,865
Fair Value, Inputs, Level 2 \| Savings accounts
Financial Instruments Owned	81,580	347,669
Fair Value, Inputs, Level 2 \| Certificates of deposit
Financial Instruments Owned	568,160	634,379
Fair Value, Inputs, Level 2 \| Accrued interest payable
Financial Instruments Owned	96	242
Fair Value, Inputs, Level 2 \| Other borrowings
Financial Instruments Owned		24,998
Fair Value, Inputs, Level 3 \| Loans, net
Financial Instruments Owned	1,090,207	1,155,429
Fair Value, Inputs, Level 3 \| Loans held for sale
Financial Instruments Owned	9,132	10,949
Fair Value, Inputs, Level 3 \| Accrued interest receivable
Financial Instruments Owned	5,315	5,871
Financial Instruments Owned Carrying Value \| Cash and interest-bearing deposits
Financial Instruments Owned	131,778	224,801
Financial Instruments Owned Carrying Value \| Certificates of deposit in other banks
Financial Instruments Owned	132,300	108,010
Financial Instruments Owned Carrying Value \| Securities available for sale
Financial Instruments Owned	27,851	31,335
Financial Instruments Owned Carrying Value \| Loans, net
Financial Instruments Owned	1,138,623	1,204,732
Financial Instruments Owned Carrying Value \| Loans held for sale
Financial Instruments Owned	8,997	10,787
Financial Instruments Owned Carrying Value \| Federal Home Loan Bank stock
Financial Instruments Owned	1,854	6,300
Financial Instruments Owned Carrying Value \| Accrued interest receivable
Financial Instruments Owned	5,470	6,008
Financial Instruments Owned Carrying Value \| Noninterest-bearing and NOW deposits
Financial Instruments Owned	252,577	230,683
Financial Instruments Owned Carrying Value \| Money market accounts
Financial Instruments Owned	268,261	257,865
Financial Instruments Owned Carrying Value \| Savings accounts
Financial Instruments Owned	81,580	347,669
Financial Instruments Owned Carrying Value \| Certificates of deposit
Financial Instruments Owned	563,956	629,958
Financial Instruments Owned Carrying Value \| Accrued interest payable
Financial Instruments Owned	96	242
Financial Instruments Owned Carrying Value \| Other borrowings
Financial Instruments Owned		22,265
Portion at Fair Value, Fair Value Disclosure \| Cash and interest-bearing deposits
Financial Instruments Owned	131,778	224,801
Portion at Fair Value, Fair Value Disclosure \| Certificates of deposit in other banks
Financial Instruments Owned	132,300	108,010
Portion at Fair Value, Fair Value Disclosure \| Securities available for sale
Financial Instruments Owned	27,851	31,335
Portion at Fair Value, Fair Value Disclosure \| Loans, net
Financial Instruments Owned	1,090,207	1,155,429
Portion at Fair Value, Fair Value Disclosure \| Loans held for sale
Financial Instruments Owned	9,132	10,949
Portion at Fair Value, Fair Value Disclosure \| Federal Home Loan Bank stock
Financial Instruments Owned	1,854	6,300
Portion at Fair Value, Fair Value Disclosure \| Accrued interest receivable
Financial Instruments Owned	5,470	6,008
Portion at Fair Value, Fair Value Disclosure \| Noninterest-bearing and NOW deposits
Financial Instruments Owned	252,577	230,683
Portion at Fair Value, Fair Value Disclosure \| Money market accounts
Financial Instruments Owned	268,261	257,865
Portion at Fair Value, Fair Value Disclosure \| Savings accounts
Financial Instruments Owned	81,580	347,669
Portion at Fair Value, Fair Value Disclosure \| Certificates of deposit
Financial Instruments Owned	568,160	634,379
Portion at Fair Value, Fair Value Disclosure \| Accrued interest payable
Financial Instruments Owned	$ 96	242
Portion at Fair Value, Fair Value Disclosure \| Other borrowings
Financial Instruments Owned		$ 24,998

8. Fair Value of Financial Instruments: Off-Balance-Sheet Credit Exposure, Policy (Details) - USD ($) $ in Thousands	Mar. 31, 2013	Jun. 30, 2012
Details
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$ 218,828	$ 213,979

3. Loans: Schedule of Debtor Troubled Debt Restructuring, Current Period (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Mar. 31, 2013 USD ($)	Mar. 31, 2012 USD ($)	Mar. 31, 2013 USD ($)	Mar. 31, 2012 USD ($)
Troubled Debt Restructurings \| Total troubled debt restructured loans
Number of Loans in Troubled Debt Restructurings	14	20	146	76
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 1,239	$ 4,378	$ 8,716	$ 19,843
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 1,210	$ 4,978	$ 8,397	$ 18,625
Below market interest rate \| One to four family loans
Number of Loans in Troubled Debt Restructurings		9	3	26
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 3,028	$ 694	$ 8,052
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 3,641	$ 686	$ 7,837
Below market interest rate \| Home equity lines of credit
Number of Loans in Troubled Debt Restructurings		2		2
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 81		$ 81
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 81		$ 81
Below market interest rate \| Construction and development loans
Number of Loans in Troubled Debt Restructurings				1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment				$ 260
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment				$ 256
Below market interest rate \| Total loans
Number of Loans in Troubled Debt Restructurings		11	4	32
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 3,109	$ 931	$ 8,851
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 3,722	$ 919	$ 8,627
Below market interest rate \| Construction and land/lots loans
Number of Loans in Troubled Debt Restructurings				2
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment				$ 172
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment				$ 172
Below market interest rate \| Commercial real estate loans
Number of Loans in Troubled Debt Restructurings			1	1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment			$ 237	$ 286
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment			$ 233	$ 281
Extended payment terms \| One to four family loans
Number of Loans in Troubled Debt Restructurings		3	1	13
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 568	$ 13	$ 2,424
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 577	$ 12	$ 2,295
Extended payment terms \| Home equity lines of credit
Number of Loans in Troubled Debt Restructurings	3		4	2
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 45		$ 85	$ 73
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 44		$ 83	$ 71
Extended payment terms \| Construction and development loans
Number of Loans in Troubled Debt Restructurings				2
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment				$ 2,694
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment				$ 2,694
Extended payment terms \| Total loans
Number of Loans in Troubled Debt Restructurings	5	4	7	22
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 263	$ 582	$ 316	$ 5,715
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 260	$ 577	$ 311	$ 5,482
Extended payment terms \| Construction and land/lots loans
Number of Loans in Troubled Debt Restructurings	1		1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 188		$ 188
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 187		$ 187
Extended payment terms \| Commercial and industrial loans
Number of Loans in Troubled Debt Restructurings	1	1	1	3
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 30	$ 14	$ 30	$ 119
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 29		$ 29	$ 101
Extended payment terms \| Commercial real estate loans
Number of Loans in Troubled Debt Restructurings				2
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment				$ 405
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment				$ 321
Other Troubled Debt Restructurings \| One to four family loans
Number of Loans in Troubled Debt Restructurings	7	2	82	9
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 824	$ 168	$ 5,591	$ 1,702
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 798	$ 167	$ 5,512	$ 1,678
Other Troubled Debt Restructurings \| Home equity lines of credit
Number of Loans in Troubled Debt Restructurings	2		42	1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 152		$ 1,337	$ 35
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 152		$ 1,326	$ 35
Other Troubled Debt Restructurings \| Construction and development loans
Number of Loans in Troubled Debt Restructurings		1		6
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 265		$ 2,413
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 265		$ 1,744
Other Troubled Debt Restructurings \| Total loans
Number of Loans in Troubled Debt Restructurings	9	5	135	22
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment	$ 976	$ 687	$ 7,469	$ 5,277
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment	$ 950	$ 679	$ 7,167	$ 4,516
Other Troubled Debt Restructurings \| Construction and land/lots loans
Number of Loans in Troubled Debt Restructurings			7	1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment			$ 209	$ 182
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment			$ 202	$ 175
Other Troubled Debt Restructurings \| Commercial real estate loans
Number of Loans in Troubled Debt Restructurings		2	4	5
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investment		$ 254	$ 332	$ 945
Troubled Debt Restructuring Post-Modification Outstanding Recorded Investment		$ 247	$ 127	$ 884