TROUBLE DEBT RESTRUCTURINGS (Tables)
3 Months Ended
Sep. 30, 2012
Schedule of Troubled Debt Restructurings
The following tables present troubled debt restructurings as of September 30, 2012 and June 30, 2011:
 
   
September 30, 2012
 
   
Accrual
   
Non-Accrual
 
Total
 
   
Status
   
Status
   
Modification
 
                   
Residential Mortgage (1-4 family)
    -       -       -  
Commercial Real Estate
    88       -       88  
Real estate construction
    -       -       -  
Home equity
    -       -       -  
Consumer
    -       -       -  
Commercial
    -       715       715  
Total
  $ 88     $ 715     $ 803  
                         
   
June 30, 2012
 
   
Accrual
   
Non-Accrual
 
Total
 
   
Status
   
Status
   
Modification
 
                         
Residential Mortgage (1-4 family)
    -       -       -  
Commercial Real Estate
    90       -       90  
Real estate construction
    -       -       -  
Home equity
    -       -       -  
Consumer
    -       -       -  
Commercial
    -       1,314       1,314  
Total
  $ 90     $ 1,314     $ 1,404  
Schedule of Newly Restructured Loans
The following tables present newly restructured loans that occurred during the three months ended September 30, 2012:
 
   
Three Months Ended
 
   
September 30, 2012
 
   
Rate
   
Term
   
Interest Only
 
Payment
   
Combination
 
Total
 
   
Modification
 
Modification
 
Modification
 
Modification
 
Modification
 
Modification
 
Pre-modification Outstanding
                                   
  Recorded Investment:
                                   
Residential Mortgage (1-4 family)
  $ -     $ -     $ -     $ -     $ -     $ -  
Commercial Real Estate
    -       -       97       -       -       97  
Real estate construction
    -       -       -       -       -       -  
Home equity
    -       -       -       -       -       -  
Consumer
    -       -       -       -       -       -  
Commercial
    -       -       -       -       1,385       1,385  
Total
  $ -     $ -     $ 97     $ -     $ 1,385     $ 1,482  
                                                 
   
Three Months ended
 
   
September 30, 2012
 
   
Rate
   
Term
   
Interest Only
 
Payment
   
Combination
 
Total
 
   
Modification
 
Modification
 
Modification
 
Modification
 
Modification
 
Modification
 
Post-modification Outstanding
                                               
  Recorded Investment:
                                               
Residential Mortgage (1-4 family)
  $ -     $ -     $ -     $ -     $ -     $ -  
Commercial Real Estate
    -       -       88       -       -       88  
Real estate construction
    -       -       -       -       -       -  
Home equity
    -       -       -       -       -       -  
Consumer
    -       -       -       -       -       -  
Commercial
    -       -       -       -       715       715  
Total
  $ -     $ -     $ 88     $ -     $ 715     $ 803