Wayne Savings Bancshares (WAYN) 10-K 16 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Mar. 01, 2017	Feb. 28, 2017
Document And Entity Information
Entity Registrant Name	WAYNE SAVINGS BANCSHARES INC /DE/
Entity Central Index Key	1,036,030
Document Type	10-K
Document Period End Date	Dec. 31, 2016
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 44.3
Entity Common Stock, Shares Outstanding		2,781,839
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,016

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 10,138	$ 3,487
Interest-bearing deposits	6,618	7,669
Cash and cash equivalents	16,756	11,156
Available-for-sale securities	70,709	95,347
Held-to-maturity securities	9,559	8,307
Loans, net of allowance for loan losses of $3,040 and $2,837 at December 31, 2016 and 2015, respectively	332,283	293,121
Premises and equipment, net	6,420	6,663
Federal Home Loan Bank stock	4,226	4,226
Foreclosed assets held for sale, net	2	14
Accrued interest receivable	1,146	1,149
Bank-owned life insurance	9,827	9,554
Goodwill	1,719	1,719
Prepaid federal income taxes	264	483
Other assets	1,880	1,893
Total assets	454,791	433,632
Deposits
Demand	111,213	101,532
Savings and money market	141,029	132,089
Time	131,491	128,806
Total deposits	383,733	362,427
Other short-term borrowings	7,246	5,606
Federal Home Loan Bank advances	18,000	21,000
Deferred federal income taxes	184	436
Interest payable and other liabilities	4,600	4,258
Total liabilities	413,763	393,727
Commitments and Contingencies
Stockholders' Equity
Preferred stock, 500,000 shares of $.10 par value authorized; no shares issued
Common stock, $.10 par value; authorized 9,000,000 shares; 3,978,731 shares issued	398	398
Additional paid-in capital	36,041	36,017
Retained earnings	22,317	21,060
Shares acquired by ESOP	(273)	(343)
Accumulated other comprehensive loss	(519)	(291)
Treasury stock, at cost: Common: 1,196,892 at December 31, 2016 and 2015	(16,936)	(16,936)
Total stockholders' equity	41,028	39,905
Total liabilities and stockholders' equity	$ 454,791	$ 433,632

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 3,040	$ 2,837
Preferred stock, par value	$ 0.10	$ 0.10
Preferred stock, shares authorized	500,000	500,000
Preferred stock, shares issued	0	0
Common stock, par value	$ 0.10	$ 0.10
Common stock, shares authorized	9,000,000	9,000,000
Common stock, shares issued	3,978,731	3,978,731
Treasury stock, shares	1,196,892	1,196,892

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Interest and Dividend Income
Loans	$ 13,140	$ 11,621
Securities	2,208	2,707
Dividends on Federal Home Loan Bank stock and other	203	171
Total interest and dividend income	15,551	14,499
Interest Expense
Deposits	1,794	1,589
Other short-term borrowings	9	9
Federal Home Loan Bank advances	267	369
Total interest expense	2,070	1,967
Net Interest Income	13,481	12,532
Provision for Loan Losses	365	1,175
Net Interest Income After Provision for Loan Losses	13,116	11,357
Noninterest Income
Deposit service charges	610	557
Gain on loan sales	218	193
Earnings on bank-owned life insurance	298	294
Interchange fees	406	387
Other operating	464	459
Total noninterest income	1,996	1,890
Noninterest Expense
Salaries and employee benefits	7,304	6,444
Net occupancy and equipment expense	2,127	1,986
Federal deposit insurance premiums	215	270
Franchise taxes	353	264
Advertising and marketing	275	246
Legal	152	214
Audit and accounting	331	276
Other	1,401	1,487
Total noninterest expense	12,158	11,187
Income Before Federal Income Taxes	2,954	2,060
Provision for Federal Income Taxes	708	413
Net Income	2,246	1,647
Other comprehensive loss:
Unrealized loss on available-for-sale securities, net of taxes of ($209) and ($380) for 2016 and 2015, respectively	(406)	(737)
Change in split-dollar life insurance policy unrecognized net loss	(42)	155
Change in defined benefit plan settlement charge, net of taxes of $69 for 2016	133
Change in defined benefit plan unrecognized net gain, net of taxes of $11 and $1 for 2016 and 2015, respectively	22	2
Amortization of net loss included in net periodic pension cost, net of taxes of $33 and $36 for 2016 and 2015, respectively	65	69
Other comprehensive loss	(228)	(511)
Total comprehensive income	$ 2,018	$ 1,136
Basic Earnings Per Share	$ 0.82	$ 0.60
Diluted Earnings Per Share	$ 0.82	$ 0.60

Consolidated Statements of Inc5

Consolidated Statements of Income and Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Income Statement [Abstract]
Unrealized gains (losses) on available-for-sale securities, tax effect	$ (209)	$ (380)
Change in defined benefit plan settlement charge, net of taxes	69
Change in defined benefit plan unrecognized net gain (loss), tax effect	11	1
Amortization of net loss included in net periodic pension cost, tax effect	$ 33	$ 36

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Shares Acquired by ESOP [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]
Balance, beginning at Dec. 31, 2014	$ 40,002	$ 398	$ 35,995	$ 20,403	$ (416)	$ 220	$ (16,598)
Net Income	1,647			1,647
Other comprehensive loss	(511)					(511)
Purchase Treasury Shares - at cost	(338)						(338)
Cash dividends - $0.36 per	(990)			(990)
Amortization of expense related to ESOP	95		22		73
Balance, ending at Dec. 31, 2015	39,905	398	36,017	21,060	(343)	(291)	(16,936)
Net Income	2,246			2,246
Other comprehensive loss	(228)					(228)
Cash dividends - $0.36 per	(989)			(989)
Amortization of expense related to ESOP	94		24		70
Balance, ending at Dec. 31, 2016	$ 41,028	$ 398	$ 36,041	$ 22,317	$ (273)	$ (519)	$ (16,936)

Consolidated Statements of Sto7

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Statement of Stockholders' Equity [Abstract]
Dividends per share	$ 0.36	$ 0.36

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Operating Activities
Net income	$ 2,246	$ 1,647
Items not requiring (providing) cash
Depreciation and amortization	671	591
Provision for loan losses	365	1,175
Amortization of premiums and discounts on securities	1,186	1,336
Amortization of mortgage servicing rights	44	51
Amortization of deferred loan origination fees	(118)	(81)
Deferred income taxes	(43)	143
Net gains on sale of loans	(218)	(193)
Proceeds from sale of loans in the secondary market	5,707	6,070
Origination of loans for sale in the secondary market	(5,489)	(5,877)
Amortization expense of stock benefit plan	94	95
Provision for impairment on foreclosed assets held for sale	34	37
Loss on sale of foreclosed assets held for sale	6	106
Loss on sale of premises and equipment		2
Increase in value of bank-owned life insurance	(273)	(272)
Changes in
Accrued interest receivable	3	5
Other assets	188	(454)
Interest payable and other liabilities	453	(298)
Net cash provided by operating activities	4,856	4,083
Investing Activities
Purchases of available-for-sale securities	(3,475)	(12,971)
Purchase of held-to-maturity securities	(1,698)	(1,637)
Proceeds from maturities, calls and paydowns of available-for-sale securities	26,365	24,177
Proceeds from maturities and paydowns of held-to-maturity securities	393	282
Net change in loans	(39,526)	(28,914)
Purchase of premises and equipment	(428)	(427)
Proceeds from the sale of foreclosed assets	90	330
Net cash used in investing activities	(18,279)	(19,160)
Financing Activities
Net change in deposits	21,306	13,505
Net change in other short-term borrowings	1,640	(1,394)
Proceeds from Federal Home Loan Bank advances	18,675	30,562
Repayments of Federal Home Loan Bank advances	(21,675)	(26,000)
Advances by borrowers for taxes and insurance	66	105
Dividends on common stock	(989)	(990)
Treasury stock purchases		(338)
Net cash provided in financing activities	19,023	15,450
Increase in Cash and Cash Equivalents	5,600	373
Cash and Cash equivalents, Beginning of period	11,156	10,783
Cash and Cash equivalents, End of period	16,756	11,156
Supplemental Cash Flows Information
Interest paid on deposits and borrowings	2,081	1,974
Federal income taxes paid	550	350
Supplemental Disclosure of Non-Cash Investing and Financing Activities
Transfers from loans to foreclosed assets held for sale	118	308
Recognition of mortgage servicing rights	82	88
Dividends payable	$ 250	$ 250

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations and Summary of Significant Accounting Policies	Note 1: Nature of Operations and Summary of Significant Accounting Policies Nature of Operations The revenues, operating income and assets are almost exclusively derived from banking. Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one reportable operating segment. Customers are mainly located in Wayne, Holmes, Ashland, Medina and Stark Counties, and include a wide range of individuals, businesses and other organizations. The Company has historically conducted its business through its main office in Wooster, Ohio. The Company’s primary deposit products are checking, savings, money market and term certificate accounts. Wayne Savings Community Bank’s primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. Net interest income is affected by the relative amount of interest-earning assets and interest-bearing liabilities and the interest received or paid on these balances. The level of interest rates paid or received by the Company can be significantly influenced by a number of environmental factors, such as governmental monetary policy, that are outside of management’s control. Principles of Consolidation The consolidated financial statements include the accounts of Wayne Savings Bancshares, Inc. (“Wayne” or the “Company”) and its wholly owned subsidiary, Wayne Savings Community Bank (the “Bank”). All intercompany transactions and balances have been eliminated. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 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. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, goodwill and pension and other retirement benefit plans. In connection with the determination of the allowance for loan losses management obtains independent appraisals for significant properties. Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. Noninterest-bearing transaction accounts are subject to the $250,000 limit on FDIC insurance per covered institution. From time to time, the Company’s interest-bearing cash accounts may exceed the FDIC’s insured limit of $250,000. Management considers the risk of loss to be very low. Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held-to- maturity are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not, the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income (loss). For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well secured and in process of collection. Past due status is determined based on contractual terms of the loan. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current for a period of six months and future payments are reasonably assured. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as 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 record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower. Premises and Equipment, Net Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method over the estimated useful lives of the assets. An accelerated method is used for tax purposes. Leasehold improvements are also stated at cost less accumulated depreciation and are depreciated using the straight line method over the estimated useful lives of the assets or the term of the lease, whichever is shorter. Gains and losses on dispositions are included in current operations. No asset impairment was recognized during the years ended December 31, 2016 and 2015. Federal Home Loan Bank Stock The Company is required as a condition of membership in the Federal Home Loan Bank of Cincinnati (“FHLB”) to maintain an investment in FHLB common stock. The required investment in the common stock is based on a predetermined formula. The stock is redeemable at par and, therefore, its cost is equivalent to its redemption value. At December 31, 2016, the FHLB placed no restrictions on redemption of shares in excess of a member’s required investment in the stock. Foreclosed Assets Held for Sale, Net Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated selling costs, at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from foreclosed assets. Bank-Owned Life Insurance The Bank has purchased life insurance policies on certain key executives. Bank-owned life insurance is recorded at its cash surrender value, or the amount that can be realized. Goodwill The composition of goodwill is as follows at December 31, 2016 and 2015: 2016 2015 (In thousands) Goodwill $ 1,719 $ 1,719 Pursuant to FASB ASC 350, the Company is required to annually test goodwill for impairment. The Company performs its annual goodwill impairment test as of November 30 each year. The Company’s testing of goodwill in the current year indicated there was no impairment in the carrying value of this asset. Mortgage Servicing Rights Mortgage servicing assets are recognized separately when rights are acquired through sale of financial assets. Under the servicing assets and liabilities accounting guidance (ASC 860-50), servicing rights resulting from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment based on fair value at each reporting date. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing rights and may result in a reduction to noninterest income. Each class of separately recognized servicing assets subsequently measured using the amortization method are evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment, if necessary, is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances are reported in the income statement. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized. Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Treasury Stock Common stock shares repurchased are recorded at cost. Cost of shares retired or reissued is determined using the first-in, first-out method. Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiary. With a few exceptions, the Company is no longer subject to tax authorities for years before 2013. Earnings Per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during each period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options, if any, and are determined using the treasury stock method. Treasury stock shares and unearned ESOP shares are not deemed outstanding for earnings per share calculations. Comprehensive Income Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income (loss) includes unrealized appreciation (depreciation) on available-for-sale securities, changes in the funded status of the defined benefit pension plan and the split-dollar life insurance plan. Advertising and Marketing Advertising and marketing costs are expensed as incurred. The Company’s advertising and marketing expense totaled $275,000 for the year ended December 31, 2016 and $246,000 for year ended December 31, 2015. Reclassifications Certain reclassifications have been made to the prior years’ financial statements to conform to the 2016 financial statement presentation. These reclassifications had no effect on net income. Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when the control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Restriction on Cash and Due Fro

Restriction on Cash and Due From Banks	12 Months Ended
	Dec. 31, 2016
Cash and Cash Equivalents [Abstract]
Restriction on Cash and Due From Banks	Note 2: Restriction on Cash and due from banks The Company is required to maintain reserve funds in cash, and or, on deposit with the Federal Reserve Bank. The reserve required at December 31, 2016, was $2.6 million.

Securities

Securities	12 Months Ended
	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Securities	Note 3: Securities The amortized cost and fair values, together with gross unrealized gains and losses, of securities are as follows: Amortized Gross Gross Fair Value Available-for-sale securities (In thousands) December 31, 2016: U.S. government agencies $ 11 $ — $ — $ 11 Mortgage-backed securities of 58,797 399 582 58,614 Private-label collateralized mortgage 41 — 1 40 State and political subdivisions 11,698 402 56 12,044 Totals $ 70,547 $ 801 $ 639 $ 70,709 Amortized Gross Gross Fair Value Available-for-sale securities (In thousands) December 31, 2015: U.S. government agencies $ 101 $ — $ — $ 101 Mortgage-backed securities of 75,972 662 530 76,104 Private-label collateralized mortgage 274 3 — 277 State and political subdivisions 18,224 677 36 18,865 Totals $ 94,571 $ 1,342 $ 566 $ 95,347 Amortized Gross Gross Fair Value Held-to-maturity Securities: (In thousands) December 31, 2016: U.S. government agencies $ 21 $ — $ — $ 21 Mortgage-backed securities of 704 7 — 711 State and political subdivisions 8,834 12 239 8,607 Totals $ 9,559 $ 19 $ 239 $ 9,339 Amortized Gross Gross Fair Value Held-to-maturity Securities: (In thousands) December 31, 2015: U.S. government agencies $ 82 $ — $ — $ 82 Mortgage-backed securities of 1,052 5 — 1,057 State and political subdivisions 7,173 29 136 7,066 Totals $ 8,307 $ 34 $ 136 $ 8,205 The amortized cost and fair value of available-for-sale securities and held-to-maturity securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-sale Held-to-maturity Amortized Fair Value Amortized Fair Value (In thousands) Within one year $ 1,189 $ 1,212 $ — $ — One to five years 4,023 4,244 2,056 2,044 Five to ten years 4,557 4,628 2,906 2,831 After ten years 1,940 1,971 3,893 3,753 11,709 12,055 8,855 8,628 Mortgage-backed securities of 58,797 58,614 704 711 Private-label collateralized mortgage 41 40 — — Totals $ 70,547 $ 70,709 $ 9,559 $ 9,339 The carrying value of securities pledged as collateral, to secure public deposits, customer repurchase agreements and for other purposes, was $43.7 million and $55.3 million at December 31, 2016 and 2015, respectively. There were no sales of available-for-sale or held-to-maturity investments during the years ended December 31, 2016 and 2015, and there were no transfers between categories. Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. The total fair value of these investments at December 31, 2016 and 2015 was $49.8 million and $53.8 million, which represented approximately 62% and 52%, respectively, of the Company’s aggregate fair market value of the available-for-sale and held-to-maturity investment portfolios. These declines resulted primarily from changes in market interest rates. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these securities are temporary at December 31, 2016. Should the impairment of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified. The unrealized losses on the Company’s investments in mortgage-backed securities of government-sponsored entities, private-label mortgage obligations and municipal securities were caused by changes in interest rates. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at December 31, 2016. The following table shows the gross unrealized losses and fair value of the Company’s investments, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2016 and 2015: December 31, 2016 Less than 12 Months More than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) Mortgage-backed securities $ 32,810 $ 409 $ 7,978 $ 173 $ 40,788 $ 582 Private-label collateralized — — 40 1 40 1 State and political 8,087 204 929 91 9,016 295 Total temporarily impaired $ 40,897 $ 613 $ 8,947 $ 265 $ 49,844 $ 878 December 31, 2015 Less than 12 Months More than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) Mortgage-backed securities $ 32,930 $ 269 $ 14,560 $ 261 $ 47,490 $ 530 State and political 3,756 50 2,515 122 6,271 172 Total temporarily impaired $ 36,686 $ 319 $ 17,075 $ 383 $ 53,761 $ 702

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
Loans and Allowance for Loan Losses	Note 4: Loans and Allowance for Loan Losses Categories of loans at December 31, include: 2016 2015 (In thousands) One-to-four family residential $ 193,424 $ 179,732 Multi-family residential 11,425 12,474 Construction 2,744 6,177 Nonresidential real estate and land 107,788 86,470 Commercial 23,215 18,031 Consumer and other 2,193 1,904 340,789 304,788 Less: Undisbursed portion of loans in process 4,719 8,065 Deferred loan origination fees 747 765 Allowance for loans losses 3,040 2,837 Total loans $ 332,283 $ 293,121 The risk characteristics of each portfolio segment are as follows: Residential Real Estate Loans For residential mortgage loans that are secured by one-to-four family residences and are generally owner occupied, the Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in one-to-four family residences. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers. All Other Mortgage Loans All other mortgage loans consist of residential construction loans, nonresidential real estate loans, land loans and multi-family real estate loans. Residential construction loan proceeds are disbursed in increments as construction progresses and as inspections warrant. Construction loans are typically structured as permanent one-to-four family loans originated by the Company with a 12-month construction phase. Accordingly, upon completion of the construction phase, there is no change in interest rate or term to maturity of the original construction loan, nor is a new permanent loan originated. These loans are generally owner occupied and the Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Nonresidential real estate loans are negotiated on a case-by-case basis. Loans secured by nonresidential real estate generally involve a greater degree of risk than one-to-four family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by nonresidential real estate is typically dependent upon the successful operation of the related real estate project. If the cash flow from the project is reduced, the borrower’s ability to repay the loan may be impaired. The Company also originates a limited number of land loans secured by individual improved and unimproved lots for future residential construction. In addition, the Company originated loans to commercial customers with land held as the collateral. Multi-family real estate loans generally involve a greater degree of credit risk than one-to-four family residential mortgage loans and carry larger loan balances. This increased credit risk is a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the effects of general economic conditions on income-producing properties, and the increased difficulty of evaluating and monitoring these types of loans. Furthermore, the repayment of loans secured by multi-family real estate is typically dependent upon the successful operation of the related real estate property. If the cash flow from the project is reduced, the borrower’s ability to repay the loan may be impaired. Commercial Business Loans Commercial business loans carry a higher degree of risk than one-to-four family residential loans. Such lending typically involves large loan balances concentrated in a single borrower or groups of related borrowers for rental or business properties. In addition, the payment experience on loans secured by income-producing properties is typically dependent on the success of the operation of the related project and thus is typically affected by adverse conditions in the real estate market and in the economy. The Company originates commercial loans generally in the $50,000 to $1,000,000 range with the majority of these loans being under $500,000. Commercial loans are generally underwritten based on the borrower’s ability to pay and assets such as buildings, land and equipment are taken as additional loan collateral. Each loan is evaluated for a level of risk and assigned a rating from “1” (the highest quality rating) to “7” (the lowest quality rating). Consumer Loans Consumer loans entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured or secured by assets that depreciate rapidly, such as automobiles, mobile homes, boats, and recreational vehicles. In such cases, repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan and the remaining deficiency often does not warrant further substantial collection efforts against the borrower. In particular, amounts realizable on the sale of repossessed automobiles may be significantly reduced based upon the condition of the automobiles and the lack of demand for used automobiles. The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on the portfolio segment and impairment method as of December 31, 2016 and 2015: December 31, 2016 One-to-four All other Commercial Consumer Total Allowance for loan losses: (In thousands) Beginning balance $ 1,346 $ 1,210 $ 279 $ 2 $ 2,837 Provision(credit) charged 213 (19 ) 166 5 365 Losses charged off (81 ) (83 ) — (1 ) (165 ) Recoveries 1 — 2 — 3 Ending balance $ 1,479 $ 1,108 $ 447 $ 6 $ 3,040 Allowance Balances: Individually evaluated for $ 323 $ 151 $ 184 $ — $ 658 Collectively evaluated for $ 1,156 $ 957 $ 263 $ 6 $ 2,382 Loan Balances: Ending balance: $ 193,424 $ 121,957 $ 23,215 $ 2,193 $ 340,789 Individually evaluated for $ 1,527 $ 1,067 $ 547 $ — $ 3,141 Collectively evaluated for $ 191,897 $ 120,890 $ 22,668 $ 2,193 $ 337,648 December 31, 2015 One-to-four All other Commercial Consumer Total Allowance for loan losses: (In thousands) Beginning balance $ 1,533 $ 885 $ 343 $ 8 $ 2,769 Provision (credit) charged to 924 325 (65 ) (9 ) 1,175 Losses charged off (1,158 ) — — — (1,158 ) Recoveries 47 — 1 3 51 Ending balance $ 1,346 $ 1,210 $ 279 $ 2 $ 2,837 Allowance Balances: Individually evaluated for $ 506 $ 13 $ 33 $ — $ 552 Collectively evaluated for $ 840 $ 1,197 $ 246 $ 2 $ 2,285 Loan Balances: Ending balance: $ 179,732 $ 105,121 $ 18,031 $ 1,904 $ 304,788 Individually evaluated for $ 2,789 $ 1,061 $ 33 $ — $ 3,883 Collectively evaluated for $ 176,943 $ 104,060 $ 17,998 $ 1,904 $ 300,905 The following tables present the credit risk profile of the Bank’s loan portfolio based on rating category and payment activity as of December 31, 2016 and 2015: December 31, 2016 One-to-four All other Commercial Consumer loans (In thousands) Rating * Pass (Risk 1-4) $ 189,975 $ 119,503 $ 22,427 $ 2,193 Special Mention (Risk 5) — — — — Substandard (Risk 6) 3,449 2,454 788 — Total $ 193,424 $ 121,957 $ 23,215 $ 2,193 December 31, 2015 One-to-four All other Commercial Consumer loans (In thousands) Rating * Pass (Risk 1-4) $ 172,617 $ 100,961 $ 17,893 $ 1,904 Special Mention (Risk 5) 1,406 1,881 105 — Substandard (Risk 6) 5,709 2,279 33 — Total $ 179,732 $ 105,121 $ 18,031 $ 1,904 * Ratings are generally assigned to consumer and residential mortgage loans on a “pass” or “fail” basis, where “fail” results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank’s loan policy that produces a risk rating as described below. Risk 1 is unquestioned credit quality for any credit product. Loans are secured by cash and near cash collateral with immediate access to proceeds. Risk 2 is very low risk with strong credit and repayment sources. Borrower is well capitalized in a stable industry, financial ratios exceed peers and financial trends are positive. Risk 3 is very favorable risk with highly adequate credit strength and repayment sources. Borrower has good overall financial condition and adequate capitalization. Risk 4 is acceptable, average risk with adequate credit strength and repayment sources. Collateral positions must be within Bank policies. Risk 5 or “Special Mention,” also known as “watch,” has potential weakness that deserves Management’s close attention. This risk includes loans where the borrower has developed financial uncertainties or is resolving them. Bank credits have been secured or negotiations will be ongoing to secure further collateral. In accordance with regulatory guidance, this category is generally regarded as temporary, as successful remedial actions will either successfully move the credit back up to Risk 4 or unsuccessful remedial actions will result in the credit being downgraded to Risk 6. Risk 6 or “Substandard” loans are inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged. This risk category contains loans that exhibit a weakening of the borrower’s credit strength with limited credit access and all nonperforming loans. Risk 7 or “Doubtful” loans are significantly under protected by the current net worth and paying capacity of the borrower or of the collateral pledged. This risk category contains loans that are likely to experience a loss of some magnitude, but where the amount of the expected loss is not known with enough certainty to allow for an accurate calculation of a loss amount for charge-off. This category is considered to be temporary until a charge-off amount can be reasonably determined. The following tables present the Bank’s loan portfolio aging analysis as of December 31, 2016 and 2015: December 31, 2016 30-59 Days 60-89 Days Greater Total Past Current Total (In thousands) One-to-four family $ 442 $ 419 $ 959 $ 1,820 $ 191,604 $ 193,424 All other mortgage — — 63 63 121,894 121,957 Commercial business loans 16 — 22 38 23,177 23,215 Consumer loans 8 — — 8 2,185 2,193 Total $ 466 $ 419 $ 1,044 $ 1,929 $ 338,860 $ 340,789 December 31, 2015 30-59 Days 60-89 Days Greater Total Past Current Total Loans (In thousands) One-to-four family $ 516 $ 329 $ 903 $ 1,748 $ 177,984 $ 179,732 All other mortgage 298 — 209 507 104,614 105,121 Commercial business loans 68 — — 68 17,963 18,031 Consumer loans — — — — 1,904 1,904 Total $ 882 $ 329 $ 1,112 $ 2,323 $ 302,465 $ 304,788 There were no loans that were past due 90 days or greater that were still accruing at December 31, 2016, or at December 31, 2015. Non-accrual loans were comprised of the following at December 31, 2016 and 2015: Non-accrual loans 2016 2015 (In thousands) One-to-four family residential loans $ 1,473 $ 1,733 Nonresidential real estate loans 85 208 All other mortgage loans — — Commercial business loans — — Consumer loans — — Total $ 1,558 $ 1,941 A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. At December 31, 2016, the Company had $1.5 million of residential mortgages, $1.0 million of nonresidential mortgages and $511,000 of commercial loans that were modified in troubled debt restructurings. Included in these amounts, the Company had troubled debt restructurings that were performing in accordance with their modified terms of $776,000 in residential mortgage loans, nonresidential real estate and land loans of $1.0 million and commercial loans of $511,000 at December 31, 2016. The following tables present impaired loans as of and for the years ended December 31, 2016 and 2015: December 31, 2016 Recorded Unpaid Specific Average Interest (In thousands) Loans without a specific One-to-four family $ 1,121 $ 1,189 $ — $ 1,019 $ 37 All other mortgage loans 226 226 — 838 19 Commercial business — — — — — Loans with a specific One-to-four family 406 406 323 622 — All other mortgage loans 841 841 151 335 49 Commercial business 547 547 184 168 1 Total: One-to-four family $ 1,527 $ 1,595 $ 323 $ 1,641 $ 37 All other mortgage loans 1,067 1,067 151 1,173 68 Commercial business 547 547 184 168 1 $ 3,141 $ 3,209 $ 658 $ 2,982 $ 106 December 31, 2015 Recorded Unpaid Specific Average Interest (In thousands) Loans without a specific One-to-four family $ 1,224 $ 1,238 $ — $ 1,493 $ 44 All other mortgage loans — — — 532 — Commercial business — — — 9 — Loans with a specific One-to-four family 1,565 1,875 506 1,347 56 All other mortgage loans 1,061 1,061 13 575 71 Commercial business 33 33 33 82 1 Total: One-to-four family $ 2,789 $ 3,113 $ 506 $ 2,840 $ 100 All other mortgage loans 1,061 1,061 13 1,107 71 Commercial business 33 33 33 91 1 $ 3,883 $ 4,207 $ 552 $ 4,038 $ 172 The following tables present information regarding newly classified troubled debt restructurings by class for the years ended December 31, 2016 and 2015. Troubled Debt Restructurings Number of Pre-modification Post-modification (dollars in thousands) December 31, 2016 One-to-four family residential loans 8 $ 406 $ 406 Commercial business loans 4 508 508 Total 12 $ 914 $ 914 December 31, 2015 One-to-four family residential loans 1 $ 17 $ 17 All the above TDR classifications occurred as concessions were granted to borrowers experiencing financial difficulties. These concessions may include a reduction in the stated rate, an interest rate that is below market interest rates for similar debt, an extension of the maturity date or delaying principal payments through interest only payments. Each TDR has been individually evaluated for impairment with the appropriate specific valuation allowance included in the allowance for loan losses calculation. There were no TDR classifications which defaulted during the year ended December 31, 2016 or the year ended December 31, 2015. The Company considers TDRs that become 90 days or more past due under modified terms as subsequently defaulted unless the TDR terms indicate annual repayments. Foreclosed assets held for sale include those properties that the Bank has obtained legal title to, through a formal foreclosure process, or the borrower conveying all interest in the property to the Bank through the completion of a deed in lieu of foreclosure, or similar legal agreement. The following table presents the balance of mortgage loans collateralized by residential real estate properties held as foreclosed assets at December 31, 2016 and December 31, 2015. December 31, 2016 December 31, 2015 Recorded Investment (In thousands) One-to-four family residential loans $ 2 $ 14 Banks foreclose on certain properties in the normal course of business when it is more probable than not that the loan balance will not be recovered through scheduled payments. Foreclosure is usually a last resort and begins after all other collection efforts have been exhausted. The following table presents the balance of those mortgage loans collateralized by residential real estate properties that are in the formal process of foreclosure at December 31, 2016 and December 31, 2015. December 31, 2016 December 31, 2015 Recorded Investment (In thousands) One-to-four family residential loans $ 97 $ 171

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Premises and Equipment	Note 5: Premises and Equipment Major classifications of premises and equipment, stated at cost, at December 31, 2016 and 2015 are as follows: 2016 2015 (In thousands) Land and improvements $ 1,799 $ 1,799 Office buildings and improvements 8,072 8,027 Furniture, fixtures and equipment 5,239 4,890 Leasehold improvements 350 350 15,460 15,066 Less accumulated depreciation 9,040 8,403 Total $ 6,420 $ 6,663

Loan Servicing

Loan Servicing	12 Months Ended
	Dec. 31, 2016
Transfers and Servicing [Abstract]
Loan Servicing	Note 6: Loan Servicing The Company has recognized servicing rights for residential mortgage loans sold with servicing retained. Residential mortgage loans serviced for others are subject to credit, prepayment and interest rate risks. Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balance of mortgage loans serviced for others was $36.9 million and $34.9 million at December 31, 2016 and 2015, respectively. Contractually specified servicing fees, late fees and ancillary fees of approximately $40,000 and $30,000 are included in loan servicing fees in the consolidated statements of income at December 31, 2016 and 2015, respectively. Custodial escrow balances maintained in connection with the foregoing loan servicing, and included in demand deposits, were approximately $345,000 and $313,000 at December 31, 2016 and 2015, respectively. Comparable market values and a valuation model that calculates the present value of future cash flows were used to estimate fair value. Servicing assets are included in other assets on the consolidated balance sheets. Activity in the balance of servicing assets was as follows at December 31, 2016 and 2015: 2016 2015 (In thousands) Carrying amount, beginning of period $ 369 $ 332 Additions Servicing obligations that result from transfers 82 88 Subtractions Amortization 44 51 $ 407 $ 369 The fair value of servicing rights subsequently measured using the amortization method was as follows: Fair value, beginning of period $ 404 $ 367 Fair value, end of period $ 444 $ 404

Interest-bearing Time Deposits

Interest-bearing Time Deposits	12 Months Ended
	Dec. 31, 2016
Interest-Bearing Time Deposits [Abstract]
Interest-bearing Time Deposits	Note 7: Interest-bearing Time Deposits Interest-bearing time deposits in denominations of $250,000 or more were $14.7 million at December 31, 2016, and $17.9 million at December 31, 2015. At December 31, 2016, the scheduled maturities of time deposits are as follows: Due during the year ending December 31, (In thousands) 2017 $ 57,605 2018 21,649 2019 14,115 2020 16,644 2021 7,758 Thereafter 13,720 $ 131,491

Other Short-Term Borrowings

Other Short-Term Borrowings	12 Months Ended
	Dec. 31, 2016
Other Short-Term Borrowings [Abstract]
Other Short-Term Borrowings	Note 8: Other Short-Term Borrowings Short-term borrowings included the following at December 31, 2016 and 2015: 2016 2015 (In thousands) Other Short-term borrowings $ 7,246 $ 5,606 Securities sold under agreements to repurchase consist of obligations of the Bank to other parties. The obligations are secured by available-for-sale securities and such collateral is held by the Bank. The maximum amount of outstanding agreements at any month end during the years ended December 31, 2016 and 2015 totaled $7.2 million for both periods, and the average daily balance totaled $6.0 million and $6.4 million for years ended December 31, 2016 and 2015, respectively. These short-term borrowings were collateralized by $9.1 million, and $7.0 million of Mortgage-backed securities of government-sponsored entities at December 31, 2016 and 2015 respectively. The agreements at December 31, 2016, mature daily. Repurchase agreements are offered by the Bank to commercial business customers to provide them with an opportunity to earn a return on their excess cash balances. These repurchase agreements are considered secured borrowings and are reported in other short-term borrowings. On a daily basis the Bank transfers securities to these customers in exchange for their cash and subsequently agrees to repurchase those same securities the next business day. In the event the Bank is unable to repurchase the securities from the customer, the customer will then have a claim against those securities.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances	12 Months Ended
	Dec. 31, 2016
Federal Home Loan Bank Advances [Abstract]
Federal Home Loan Bank Advances	Note 9: Federal Home Loan Bank Advances At December 31, 2016, advances from the Federal Home Loan Bank were as follows: Interest Rate Range Maturing year ending December 31, Amount (In thousands) 0.97% - 1.42% 2017 $ 6,000 1.30% - 1.33% 2018 6,000 1.47% - 1.55% 2019 6,000 $ 18,000 The Federal Home Loan Bank advances are secured by mortgage loans totaling $140.5 million at December 31, 2016. Additionally, as a member of the Federal Home Loan Bank system at December 31, 2016, the Bank had the ability to obtain up to $100.0 million in additional borrowings. Borrowings from the FHLB are secured by a blanket pledge of the one-to-four family residential real estate loan portfolio. The Bank’s borrowing capacity can be further increased by the pledge of additional collateral, including additional types of loans from the Bank’s loan portfolio and unpledged investment securities. At December 31, 2016, the Bank had a cash management line of credit with the Federal Reserve Bank in the amount of $18.7 million, none of which was drawn. The Bank had approximately $18.8 million of state and political subdivision bonds pledged as collateral for this line of credit.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	Note 10: Income Taxes The provision for income taxes includes the following components at December 31, 2016 and 2015: 2016 2015 (In thousands) Taxes currently payable $ 751 $ 270 Deferred income taxes (43 ) 143 Income tax expense $ 708 $ 413 A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: 2016 2015 (In thousands) Computed at the statutory rate (34%) $ 972 $ 668 Increase (decrease) resulting from Tax-exempt interest (196 ) (223 ) Earnings on bank-owned life insurance (101 ) (100 ) Other 33 68 Actual tax expense $ 708 $ 413 The tax effects of temporary differences related to deferred taxes shown on the consolidated balance sheets were as follows: 2016 2015 (In thousands) Deferred tax assets Deferred loan origination fees $ 254 $ 260 Allowance for loan losses 1,034 965 Real estate owned valuation 3 2 Pension adjustment 255 368 Reserve for uncollected interest 197 182 Benefit plan expenses 115 97 AMT credit carryover and low income — 12 Total deferred tax assets 1,858 1,886 Deferred tax liabilities Prepaid pension (154 ) (221 ) Federal Home Loan Bank stock dividends (1,023 ) (1,023 ) Book/tax depreciation differences (541 ) (560 ) Financed loan fees (130 ) (129 ) Unrealized gains on securities available-or-sale (55 ) (264 ) Mortgage servicing rights (139 ) (125 ) Total deferred tax liabilities (2,042 ) (2,322 ) Net deferred tax liability $ (184 ) $ (436 ) Prior to fiscal 1997, the Company was allowed a special bad debt deduction based on a percentage of earnings, generally limited to 8% of otherwise taxable income and subject to certain limitations based on aggregate loans and deposit account balances at the end of the year. This cumulative percentage of earnings bad debt deduction totaled approximately $2.7 million as of December 31, 2016. If the amounts that qualified as deductions for federal income taxes are later used for purposes other than bad debt losses, including distributions in liquidation, such distributions will be subject to federal income taxes at the then current corporate income tax rate. The amount of unrecognized deferred tax liability relating to the cumulative bad debt deduction was approximately $918,000 at December 31, 2016.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2016
Stockholders' Equity Note [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 11: Accumulated Other Comprehensive Income (Loss) The components of accumulated other comprehensive income (loss), included in stockholders’ equity as of December 31, are as follows: 2016 2015 (In thousands) Gross unrealized gain on securities available-for-sale $ 162 $ 777 Gross unrealized loss for unfunded status of split-dollar (131 ) (89 ) Gross unrealized loss for unfunded status of defined (750 ) (1,083 ) (719 ) (395 ) Tax effect 200 104 Net-of-tax amount $ (519 ) $ (291 )

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2016
Regulatory Matters [Abstract]
Regulatory Matters	Note 12: Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory–and possibly additional discretionary–actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Furthermore, the Bank’s regulators could require adjustments to regulatory capital not reflected in these financial statements. The Bank must give notice to the Federal Reserve Bank of Cleveland prior to declaring a dividend to the Company and is subject to existing regulatory guidance where, in general, a dividend is permissible without regulatory approval if the institution is considered to be “well capitalized” and the dividend does not exceed current year-to-date net income plus the change in retained earnings for the previous two calendar years. For dividends in excess of the above criteria, the Bank must make application to the Federal Reserve Bank of Cleveland and receive approval before declaring a dividend to the Company. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined) to risk-weighted assets (as defined), common equity Tier 1 capital (as defined) to total risk-weighted assets (as defined) and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2016, that the Bank met all capital adequacy requirements to which it is subject. As of December 31, 2016, based on the computations for the call report the Bank is classified as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain capital ratios as set forth in the table below. There are no conditions or events since December 31, 2016 that management believes have changed the Bank’s capital classification. In addition to the minimum CET1, Tier 1 and total capital ratios, the Bank will be required to maintain a capital conservation buffer consisting of additional CETI capital greater than 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends or paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This new capital conservation buffer requirement is being phased in beginning in January 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented in January 2019. Effective January 1, 2015, new regulatory capital requirements commonly referred to as “Basel III” were implemented. Management opted out of the accumulated other comprehensive income treatment under the new requirements, and as such unrealized gains and losses from available-for-sale securities will continue to be excluded from Bank regulatory capital. In addition to the minimum CET1, Tier 1 and total capital ratios, the Bank will be required to maintain a capital conservation buffer consisting of additional CET1 capital greater than 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends or paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This new capital conservation buffer requirement is being phased in beginning in January 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented in January 2019. The Bank’s actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table. Actual For Capital Adequacy To Be well Capitalized Amount Ratio Amount Ratio Amount Ratio As of December 31, 2016 Tier I Capital to average assets $ 38,133 8.5 % $ 17,850 4.0 % $ 22,313 5.0 % Tier 1 Common equity capital 38,133 13.0 % 13,159 4.5 % 19,007 6.5 % Tier I Capital to risk-weighted 38,133 13.0 % 17,545 6.0 % 23,393 8.0 % Total Risk-based capital to 41,176 14.1 % 23,393 8.0 % 29,241 10.0 % As of December 31, 2015 Tier I Capital to average assets $ 37,524 8.8 % $ 17,092 4.0 % $ 21,365 5.0 % Tier 1 Common equity capital 37,524 13.4 % 12,645 4.5 % 18,265 6.5 % Tier I Capital to risk-weighted 37,524 13.4 % 16,860 6.0 % 22,480 8.0 % Total Risk-based capital to 40,361 14.4 % 22,480 8.0 % 28,099 10.0 %

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Related Party Transactions	Note 13: Related Party Transactions At December 31, 2016 and 2015, the Bank had loans outstanding to executive officers, directors, and their affiliates (related parties). In management’s opinion, such loans and other extensions of credit and deposits were made in the ordinary course of business and were made on substantially the same terms (including interest rates and collateral) as those prevailing at the time for comparable transactions with other persons. Further, in management’s opinion, these loans did not involve more than normal risk of collectability or present other unfavorable features. Such loans are summarized below. 2016 2015 (In thousands) Aggregate balance – Beginning of period $ 319 $ 400 New loans — 9 Repayments and reclassifications (206 ) (90 ) Aggregate balance – End of period $ 113 $ 319 The loan reclassification during 2016 includes a loan from a former employee. The loan continues to be outstanding and performing. Deposits from related parties held by the Bank at December 31, 2016, and 2015, totaled $449,000 and $386,000, respectively. The Bank paid legal fees to a law firm of which a director of the Company is a member. The amounts paid totaled approximately $14,000 and $8,000 for the years ended December 31, 2016 and December 31, 2015, respectively. The Bank leases an in-store retail branch from a corporation in which a director of the Company holds an interest. The current five year lease provides for renewal options through April 30, 2021. Rental expense for this lease was $29,000 for both years ended December 31, 2016 and December 31, 2015, respectively.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Note 14: Employee Benefit Plans Pension and Other Post-Retirement Benefit Plans The Company has a frozen noncontributory defined benefit pension plan covering all employees who met the eligibility requirements prior to December 31, 2003. Compensation and service accruals were frozen at the same date. The Company’s funding policy is to make the minimum annual contribution that is required by applicable regulations, plus such amounts as the Company may determine to be appropriate from time to time. The Company expects to contribute approximately $30,000 to the plan during 2017. The Company uses a December 31 measurement date for the plan. Information about the plan’s funded status and pension cost follows: 2016 2015 (In thousands) Change in benefit obligation Beginning of year $ 2,153 $ 2,221 Interest cost 92 86 Actuarial gain (26 ) (112 ) Benefits paid (39 ) (38 ) Settlements (463 ) (4 ) End of year 1,717 2,153 Change in fair value of plan assets Beginning of year 1,722 1,590 Actuarial return on plan assets 114 (11 ) Employer contribution 87 185 Benefits paid (39 ) (38 ) Settlements (463 ) (4 ) End of year 1,421 1,722 Funded status at end of year $ (296 ) $ (431 ) Amounts recognized in accumulated other comprehensive income (loss) not yet recognized as components of net periodic benefit cost consist of the following at December 31, 2016 and 2015: 2016 2015 (In thousands) Net loss $ (750 ) $ (1,083 ) The estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is approximately $61,000. The accumulated benefit obligation for the defined benefit pension plan was $1.7 million, and $2.2 million at December 31, 2016 and 2015, respectively. 2016 2015 (In thousands) Components of net periodic benefit cost Internal cost $ 92 $ 86 Expected return on plan assets (107 ) (99 ) Amortization of net loss 98 105 Settlement charge 202 — Net periodic benefit cost $ 285 $ 92 Plan assets are held by a bank-administered trust fund, which invests the plan assets in accordance with the provisions of the plan agreement. The plan agreement permits investment in mutual funds that may invest in common stocks, corporate bonds and debentures, U.S. Government securities, certain insurance contracts, real estate and other specified investments, based on certain target allocation percentages. Asset allocation is primarily based on a strategy to provide stable earnings while still permitting the plan to recognize potentially higher returns through an investment in equity securities. The target asset allocation percentages for 2016 are as follows: SMID-Cap stocks 30-70% Fixed income investments 30-70% Cash 0-15% At December 31, 2016 and 2015, the fair value of plan assets as a percentage of the total was invested in the following: 2016 2015 Equity Securities 61 % 60 % Debt securities 37 % 39 % Cash and cash equivalents 2 % 1 % 100 % 100 % Benefit payments expected to be paid from the plan as of December 31, 2016 are as follows: (In thousands) 2017 $ 52 2018 62 2019 78 2020 86 2021 88 Thereafter 491 $ 857 Significant assumptions include the following as of December 31, 2016 and 2015: Pension Benefits 2016 2015 Weighted-average assumptions used to Discount rate 4.14 % 4.95 % Rate of compensation increase N/A N/A Weighted-average assumptions used to Discount rate 4.34 % 4.95 % Expected return on plan assets 6.00 % 6.00 % Rate of compensation increase N/A N/A The Company has estimated the long-term rate of return on plan assets based primarily on historical returns on plan assets, adjusted for changes in target portfolio allocations and recent changes in long-term interest rates based on publicly available information. The fair value of the Company’s pension plan assets, and the related investment references, at December 31, 2016, and 2015 by asset category are as follows: December 31, 2016 Fair Value Measurements Using Asset Category Total Fair Quoted Prices (Level 1) Significant (Level 2) Significant (Level 3) Mutual funds-Equity (In thousands) Large Cap Value (a) $ 86 $ 86 $ — $ — Large Cap Core (b) 114 114 — — Mid Cap Core (c) 100 100 — — Small-Cap Core (d) 52 52 — — International Core (e) 208 208 — — Large Cap Growth (f) 158 158 — — Small/Midcap Growth (g) 55 55 — — Mutual funds-Fixed Income Fixed Income-Core Plus (h) 398 398 — — Intermediate Duration (i) 134 134 — — Common/Collective Trusts- Large Cap Value (j) 90 — 90 — Cash Money Market (k) 26 26 — — Total $ 1,421 $ 1,331 $ 90 $ — (a) This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. (b) This category contains stocks of the S&P 500 Index. The stocks are maintained in approximately the same weightings as the index. (c) This category contains stocks of the MSCI U.S. Mid Cap 450 index Index. The stocks are maintained in approximately the same weightings as the index. (d) This category contains stocks whose sector weightings are maintained within a narrow band around those of the Russell 2000 Index. The portfolio will typically hold more than 150 stocks. (e) This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed emerging countries. (f) This category consists of two mutual funds, one which invests primarily of large U.S. – based growth companies, the other in fast-growing large cap growth companies with sustainable franchises and positive price momentum. (g) This category seeks capital appreciation through investments in common stock of small-capitalization companies, defined as those with a total market value of no more than $2 billion at the time the fund first invests in them. (h) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that Index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies. (i) This category consists of a mutual fund which invest in a diversified portfolio of high-quality bonds and other fixed income securities, including U.S. Government obligations, mortgage-related and asset-backed securities, corporate and municipal bonds, CMOs, and other securities mostly rated A or better. (j) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. (k) This category consists of a money market fund and is used for liquidity purposes. December 31, 2015 Fair Value Measurements Using Asset Category Total Fair Value Quoted Prices in Significant Other Significant (In thousands) Mutual funds-Equity Large Cap Value (a) $ 96 $ 96 $ — $ — Large Cap Core (b) 132 132 — — Mid Cap Core (c) 118 118 — — Small-Cap Core (d) 57 57 — — International Core (e) 271 271 — — Large Cap Growth (f) 205 205 — — Small/Midcap Growth (g) 60 60 — — Mutual funds-Fixed Income Fixed Income-Core Plus (h) 501 501 — — Intermediate Duration (i) 166 166 — — Common/Collective Trusts-Equity Large Cap Value (j) 91 — 91 — Cash Money Market 25 25 — — Total $ 1,722 $ 1,631 $ 91 $ — (a) This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. (b) This category contains stocks of the S&P 500 Index. The stocks are maintained in approximately the same weightings as the index. (c) This category contains stocks of the MSCI U.S. Mid Cap 450 index Index. The stocks are maintained in approximately the same weightings as the index. (d) This category contains stocks whose sector weightings are maintained within a narrow band around those of the Russell 2000 Index. The portfolio will typically hold more than 150 stocks. (e) This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed emerging countries. (f) This category consists of two mutual funds, one which invests primarily of large U.S. – based growth companies, the other in fast-growing large cap growth companies with sustainable franchises and positive price momentum. (g) This category seeks capital appreciation through investments in common stock of small-capitalization companies, defined as those with a total market value of no more than $2 billion at the time the fund first invests in them. (h) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that Index. The third fund targets investments of 50% or more in mortgage--backed securities guaranteed by the US government and its agencies. (i) This category consists of a mutual fund which invest in a diversified portfolio of high-quality bonds and other fixed income securities, including U.S. Government obligations, mortgage-related and asset-backed securities, corporate and municipal bonds, CMOs, and other securities mostly rated A or better. (j) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. Also, the Company provides post-retirement benefits to certain officers of the Company under split-dollar life insurance policies. The Company accounts for the policies in accordance with ASC 715-60, which requires companies to recognize a liability and related compensation costs for endorsement split-dollar life insurance policies that provide a benefit to an employee extending to post-retirement periods. The liability is recognized based on the substantive agreement with the employee. The Company uses a December 31 measurement date for the plan. Information about the plan’s funded status and pension cost follows: 2016 2015 (In thousands) Change in benefit obligation Beginning of year $ 879 $ 901 Service cost 8 7 Interest cost 37 37 Loss /(Gain) 34 (44 ) Benefits Paid (25 ) (22 ) End of year $ 933 $ 879 Amounts recognized in accumulated other comprehensive income (loss) not yet recognized as components of net periodic benefit cost consist of: 2016 2015 (In thousands) Prior service cost $ 69 $ 83 Net loss(gain) 62 6 The accumulated benefit obligation for the split-dollar benefit plan was $933,000 and $879,000 at December 31, 2016 and 2015, respectively. The estimated net gain for the split-dollar plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is approximately $43,000. 2016 2015 (In thousands) Components of net periodic benefit cost Service cost $ 8 $ 7 Interest cost 37 37 (Gain)/Loss recognized (22 ) 98 Prior service cost 14 14 Net periodic benefit cost $ 37 $ 156 The retiree accrued liability expected to be reversed from the plan as of December 31, 2016 is as follows: (In thousands) 2017 $ 28 2018 31 2019 33 2020 37 2021 43 Thereafter 300 $ 472 Significant assumptions for the split-dollar plan liability include the following as of December 31, 2016 and 2015: 2016 2015 Weighted-average assumptions used to Discount rate 4.14 % 4.34 % Rate of compensation increase 1.50 % 1.50 % Weighted-average assumptions used to Discount rate 4.14 % 4.34 % Rate of compensation increase 1.50 % 1.50 % The Company has an Employee Stock Ownership Plan (“ESOP”) covering substantially all employees of the Company. The ESOP acquired 163,265 shares of Company common stock at $10.00 per share in 2003 with funds provided by a loan from the Company. Accordingly, $1.6 million of common stock acquired by the ESOP was shown as a reduction of stockholders’ equity. Shares are released to participants proportionately as the loan is repaid. Dividends on allocated shares are recorded as dividends and charged to retained earnings. Dividends on unallocated shares, which will be distributed to participants, are treated as compensation expense. Compensation expense is recorded equal to the average fair market value of the stock during the year when contributions, which are determined annually by the Board of Directors of the Company, are made to the ESOP. ESOP expense was approximately $109,000 for both years ended December 31, 2016 and December 31, 2015. Share information for the ESOP is as follows at December 31, 2016 and 2015: 2016 2015 Allocated shares 135,999 128,993 Unearned shares 27,266 34,272 Total ESOP shares 163,265 163,265 Fair value of unearned shares at end of period $ 449,889 $ 452,733 At December 31, 2016, the fair value of the 135,999 allocated shares held by the ESOP was approximately $2.2 million. In addition to the defined benefit plan and ESOP, the Company has a 401(k) plan covering substantially all employees. The Company’s 401(k) matching percentage was 100% of the first 4% contributed by the employee and 50% of the employees’ next 2% of contributions. Expense related to the 401(k) plan totaled approximately $154,000 and $148,000 for the years ended December 31, 2016 and December 31, 2015, respectively.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Note 15: Earnings Per Share Earnings per share (EPS) were computed as follows: Year Ended December 31, 2016 Net Income Weighted- Per Share (In thousands) Net income $ 2,246 Basic earnings per share Income available to common stockholders 2,747,586 $ 0.82 Income available to common stockholders and $ 2,246 2,747,586 $ 0.82 Year Ended December 31, 2015 Net Income Weighted- Per Share (In thousands) Net income $ 1,647 Basic earnings per share Income available to common stockholders 2,751,776 $ 0.60 Income available to common stockholders and $ 1,647 2,751,776 $ 0.60 There were no dilutive securities or stock options outstanding at December 31, 2016 or December 31, 2015.

Disclosures about Fair Value of

Disclosures about Fair Value of Assets and Liabilities	12 Months Ended
	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Disclosures about Fair Value of Assets and Liabilities	Note 16: Disclosures about Fair Value of Assets and Liabilities Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair value: Level 1 Quoted prices in active markets for identical assets or liabilities Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities Recurring Measurements Following is a description of the valuation methodologies used for assets measured at fair value on a recurring basis and recognized in the Company’s consolidated balance sheets, as well as the general classification of such instruments pursuant to the valuation hierarchy. Available-for-sale Securities Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows. Such securities are classified in Level 2 of the valuation hierarchy. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. The following table presents the fair value measurements of assets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and December 31, 2015: Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2016 U.S. government agencies $ 11 $ — $ 11 $ — Mortgage-backed securities 58,614 — 58,614 — Private-label collateralized 40 — 40 — State and political subdivisions 12,044 — 12,044 — Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2015 U.S. government agencies $ 101 $ — $ 101 $ — Mortgage-backed securities 76,104 — 76,104 — Private-label collateralized 277 — 277 — State and political subdivisions 18,865 — 18,865 — Nonrecurring Measurements Certain assets may be required to be measured at fair value on a nonrecurring basis in periods subsequent to their initial recognition. These assets are not measured at fair value on an ongoing basis; however, they are subject to fair value adjustments in certain circumstances, such as when there is evidence of impairment. Collateral-dependent Impaired Loans, Net of ALLL The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy. The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the office of the Chief Financial Officer. Appraisals are reviewed for accuracy and consistency by the office of the Chief Financial Officer. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the office of the Chief Financial Officer by comparison to historical results. Foreclosed Assets Held for Sale Foreclosed assets held for sale are carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired. Estimated fair value of real estate is based on appraisals or evaluations. Foreclosed assets held for sale are classified within Level 3 of the fair value hierarchy. Appraisals of real estate are obtained when the real estate is acquired and subsequently as deemed necessary by the office of the Chief Financial Officer. Appraisals are reviewed for accuracy and consistency by the Bank. Appraisers are selected from the list of approved appraisers maintained by management. The following table presents the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and December 31, 2015. Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2016 Collateral-dependent $ 1,053 $ — $ — $ 1,053 Foreclosed assets 2 — — 2 December 31, 2015 Collateral-dependent $ 292 $ — $ — $ 292 Foreclosed assets 5 — — 5 Unobservable (Level 3) Inputs The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2016 and December 31, 2015, in thousands. Fair Value Valuation Technique Unobservable Inputs Weighted Average December 31, 2016 Collateral-dependent $ 1,053 Market Comparable Properties and specialized equipment discounts discounts 25% Foreclosed assets 2 Expected selling price Selling Costs 10% December 31, 2015 Collateral-dependent $ 292 Market Comparable Properties, less delinquent real estate taxes N/A N/A Foreclosed assets 5 Estimated Selling Price Selling Costs 10% There were no changes in the inputs or methodologies used to determine fair value at December 31, 2016 as compared to December 31, 2015. The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. Fair Value Measurements Using Carrying Quoted Prices Significant Significant (In thousands) December 31, 2016 Financial assets Cash and cash equivalents $ 16,756 $ 16,756 $ — $ — Held-to-maturity 9,559 — 9,339 — Loans, net of allowance 332,283 — — 341,999 Federal Home Loan Bank 4,226 — 4,226 — Interest receivable 1,146 — 1,146 — Financial liabilities Deposits 383,733 47,946 306,291 — Other short-term 7,246 — 7,246 — Federal Home Loan Bank 18,000 — 17,938 — Advances from borrowers 1,306 — 1,306 — Interest payable 29 — 29 — Fair Value Measurements Using Carrying Quoted Prices in Significant (Level 2) Significant (Level 3) (In thousands) December 31, 2015 Financial assets Cash and cash equivalents $ 11,156 $ 11,156 $ — $ — Held-to-maturity 8,307 — 8,205 — Loans, net of allowance 293,121 — — 302,595 Federal Home Loan 4,226 — 4,226 — Interest receivable 1,149 — 1,149 — Financial liabilities Deposits 362,427 42,630 295,796 — Other short-term 5,606 — 5,606 — Federal Home Loan 21,000 — 20,978 — Advances from 1,240 — 1,240 — Interest payable 40 — 40 — The following methods and assumptions were used to estimate the fair value of each class of financial instruments. Cash and Cash Equivalents, Interest Receivable and Federal Home Loan Bank Stock The carrying amount approximates fair value. Held-to-Maturity Securities The fair value of held-to-maturity securities was estimated by using pricing models that contain market pricing and information, quoted prices of securities with similar characteristics or discounted cash flows that use credit-adjusted discount rates. Loans The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Loans with similar characteristics were aggregated for purposes of the calculations. Deposits Deposits include savings accounts, checking accounts and certain money market deposits. The carrying amount approximates fair value. The fair value of fixed-maturity time deposits is estimated using a discounted cash flow calculation that applies the rates currently offered for deposits of similar remaining maturities. Interest Payable, Other Short-Term Borrowings and Advances From Borrowers for Taxes and Insurance The carrying amount approximates fair value. Federal Home Loan Bank Advances Rates currently available to the Company for debt with similar terms and remaining maturities are used to estimate the fair value of existing debt. Commitments to Originate Loans, Letters of Credit and Lines of Credit The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. Fair values of commitments were not material at December 31, 2016 and 2015.

Commitments and Credit Risk

Commitments and Credit Risk	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Commitments and Credit Risk	Note 17: Commitments and Credit Risk Total commercial and commercial real estate loans comprised 41% and 38%, respectively, of the loan portfolio for the years ended December 31, 2016 and December 31, 2015, with substantially all of these loans secured by commercial real estate and business assets mainly located in Ohio. Installment loans account for approximately 1% of the loan portfolio for both years ended December 31, 2016 and 2015. These loans are secured by consumer assets including automobiles, which account for 38% and 49%, respectively, of the installment loan portfolio. Residential one-to-four family real estate loans comprise 58% and 61% of the loan portfolio at December 31, 2016 and 2015, respectively, and primarily include first mortgage loans on residential properties and home equity lines of credit. Included in cash and due from banks as of the years ended December 31, 2016 and 2015, is $2.3 million and $2.6 million respectively of uninsured deposits in the form of branch cash on hand. Commitments to Originate Loans Commitments to originate loans 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 a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. At December 31, 2016 and 2015 the Company had outstanding commitments to originate fixed-rate loans aggregating approximately $1.6 million and $2.1 million respectively. The commitments extended over varying periods of time with the majority being disbursed within a one-year period. Mortgage loans in the process of origination represent amounts that the Company plans to fund within a normal period of one year. Total mortgage loans in the process of origination amounted to approximately $3.1 million and $4.5 million at December 31, 2016 and 2015, respectively. The Company had undisbursed amounts of nonresidential real estate and land loans of $3.0 million and commercial loans of $3,000 at December 31, 2016. The Company had undisbursed amounts of nonresidential real estate and land loans of $4.2 million and commercial loans of $291,000 at December 31, 2015. The Company had unused extensions of credit totaling $7.8 million at both December 31, 2016, and 2015, related to consumer loans. Standby Letters of Credit Standby letters of credit are irrevocable conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Financial standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Performance standby letters of credit are issued to guarantee performance of certain customers under non-financial contractual obligations. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. Fees for letters of credit are initially recorded by the Company as deferred revenue and are included in earnings at the termination of the respective agreements. Should the Company be obligated to perform under the standby letters of credit, the Company may seek recourse from the customer for reimbursement of amounts paid. The Company had outstanding standby letters of credit totaling $361,000 at December 31, 2016, and $407,000 at December 31, 2015, with terms not exceeding eleven months. At both December 31, 2016 and 2015, the Company had no deferred revenue under standby letter of credit agreements. Lines of Credit Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Management uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments. At December 31, 2016, the Company had granted unused lines of credit to borrowers aggregating approximately $20.2 million and $20.8 million for commercial lines and open-end consumer lines, respectively. At December 31, 2015, the Company had granted unused lines of credit to borrowers aggregating approximately $17.1 million and $19.4 million for commercial lines and open-end consumer lines, respectively. Leases The Company currently leases two branch banking facilities under an operating lease. The first lease originated in fiscal 2000 for a ten year term and 3 five year renewal options ending in October 2018. The Company’s second operating lease commenced in fiscal 2001 for an original five year term with 3 five year renewal options and has currently renewed the third option to expire in April 2021. The minimum annual lease payments over the current lease term are as follows: Year ending (In thousands) 2017 $ 60 2018 54 2019 28 2020 28 2021 9 Total $ 179 The Company incurred rental expense under operating leases totaling approximately $60,000 for the years ended December 31, 2016 and December 31, 2015. There were no other material commitments or contingencies at December 31, 2016.

Recent Accounting Developments

Recent Accounting Developments	12 Months Ended
	Dec. 31, 2016
Accounting Changes and Error Corrections [Abstract]
Recent Accounting Developments	Note 18: Recent Accounting Developments FASB ASU 2014-15, Presentation of Financial Statements-Going Concern (Subtopic 205-40), Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern, was issued in August 2014. The amendments in this update provide guidance in Generally Accepted Accounting Principles (GAAP) about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. The amendments in this update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. FASB ASU 2015-10, Technical Corrections and Improvements was issued in June, 2015. The amendments in this Update represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to entities. The amendments in this Update that require transition guidance are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. All other amendments will be effective upon the issuance of this update. The adoption of this standard did not have a material impact on the Company’s consolidated financial statements. FASB ASU 2016-01, Financial Instruments–Overall (Subtopic 825-10), Recognition and Measurement of Financial Assets and Financial Liabilities was issued in January 2016. The amendments in this Update make targeted improvements to generally accepted accounting principles, and address certain aspects of recognition, measurement, presentation, and disclosure of financial statements. The amendments in this Update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Except as specifically stated, early adoption of the amendments in this Update are not permitted. This standard is not expected to have a material impact on the Company’s consolidated financial statements, however the Company is no longer required to disclose the method and assumptions used to estimate the fair value of financial instruments measured at amortized cost. FASB ASU 2016-04, Liabilities-Extinguishments of Liabilities (Subtopic 405-20), was issued in March 2016. The amendments in this Update apply to entities that offer certain prepaid stored-value products, including prepaid gift cards, prepaid telecommunication cards, and travelers checks. The amendments in this Update contain specific guidance for the derecognition of pre-paid stored value product liabilities and are an improvement to GAAP because they specify how pre-paid stored-value product liabilities with the Update’s scope should be derecognized. The amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Earlier application is permitted, including adoption in an interim period. This standard is not expected to have a material impact on the Company’s consolidated financial statements, as the Company does not currently have any liabilities related to stored value cards. FASB ASU 2016-13, Financial Instruments – Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments, was issued in June 2016. The main objective of this Update is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this Update replace the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The amendments in this Update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption of the amendments in this Update are allowed for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. An entity will apply the amendments in this Update through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (that is, a modified-retrospective approach). A prospective transition approach is required for debt securities for which an other-than-temporary impairment had been recognized before the effective date. The effect of a prospective transition approach is to maintain the same amortized cost basis before and after the effective date of this Update. The Company is studying the implications of this update, including following evolving regulatory and industry guidance, and gathering additional detailed historical data. The effect of this Update on the Company’s financial statements is not known at this time. FASB ASU 2016-15, Statement of Cash Flows (Topic 230), Classification of Certain Cash Receipts and Cash Payments, was issued in August 2016. The amendments in this Update provide guidance on how certain cash receipts and cash payments are presented and classified in the statement of cash flows. This Update addresses eight specific cash flow issues with the objective of reducing the diversity in practice. The amendments in this Update are effective for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes the interim period. An entity that elects early adoption must adopt all the amendments in the same period. The amendments in this Update should be applied using a retrospective transition method to each period presented. The amendments in this Update are not expected to have a material impact on the Company’s consolidated financial statements, as the Company has limited exposure to those cash flow items included in the Update. FASB ASU 2016-18, Statement of Cash Flows (Topic 230), Restricted Cash, was issued in November 2016. The amendments in this Update require that a statement of cash flows explain the change during the period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. The amendments in this Update are effective for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes the interim period. The amendments in this Update are not expected to have a material impact on the Company’s consolidated financial statements, however the cash flow presentation will be expanded to include the activity related to restricted cash, or required cash reserve balances upon adoption. FASB ASU 2016-19, Technical Corrections and Improvements, was issued in December 2016. The amendments in this Update cover a wide range of Topics in the Accounting Standards Codification. The amendments generally fall into one of several categories including, amendments related to differences between original guidance and the Accounting Standards Codification, guidance clarification and reference corrections, simplification, or minor improvements. Most of the amendments in this Update do not require transition guidance and are effective upon issuance of this Update. The amendments in this Update are not expected to have a material impact on the Company’s consolidated financial statements, as the Company has limited exposure and disclosures relating to those items included in this Update. FASB ASU 2017-01, Business Combinations, (Topic 805), Clarifying the Definition of a Business, was issued in January 2017. The amendments in this Update clarify the definition of a business, with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. The amendments in this Update should be applied to annual periods beginning after December 15, 2017, including interim periods within those periods. The amendments in this Update should be applied prospectively on or after the effective date. The amendments in this Update are not expected to have a material impact on the Company’s consolidated financial statements, as the Company historically has experienced minimal acquisitions or disposals, if any. FASB ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments – Equity Method and Joint Ventures (Topic 323), Amendments to SEC paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings, was issued in January 2017. The amendments in this Update provide guidance on the disclosures required regarding the reporting and financial statement impact of recently issued but not yet adopted standards. The Changes and Corrections in this Update are effective upon release. The amendments in this update will require the Company to provide increased disclosure with respect to adopting current and future accounting Updates. FASB ASU 2017-04, Intangibles-Goodwill and Other (Topic 350) Simplifying the Test for Goodwill Impairment, was issued in January 2017. The amendments in this Update modify the concept of impairment from the condition that exists when the carrying amount of goodwill exceeds its implied fair value to the condition that exists when the carrying amount of a reporting unit exceeds its fair value. The amendments in this Update should be adopted for the annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment performed on testing dates after January 1, 2017. The amendments in this Update are not expected to have a material impact on the Company’s consolidated financial statements.

Condensed Financial Information

Condensed Financial Information (Parent Company Only)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information (Parent Company Only)	Note 19: Condensed Financial Information (Parent Company Only) Presented below is condensed financial information as to financial position, results of operations and cash flows of the Company at December 31, 2016 and 2015: Condensed Balance Sheets 2016 2015 (In thousands) Assets Cash and due from banks $ 1,358 $ 522 Notes receivable from the Bank 362 444 Investment in the Bank 39,332 38,952 Prepaid expenses and other assets 247 250 Total assets $ 41,299 $ 40,168 Liabilities and Stockholders’ Equity Accrued expenses and other liabilities $ 271 $ 263 Stockholders’ equity Common stock and additional paid-in capital 36,439 36,415 Retained earnings 22,317 21,060 Shares acquired by ESOP (273 ) (343 ) Treasury stock – at cost (16,936 ) (16,936 ) Accumulated other comprehensive income (519 ) (291 ) Total stockholders’ equity 41,028 39,905 Total liabilities and stockholders’ equity $ 41,299 $ 40,168 Condensed Statements of Income and Comprehensive Income 2016 2015 (In thousands) Operating Income Interest income $ 27 $ 32 Dividends from the Bank 1,907 1,244 Total operating income 1,934 1,276 Noninterest Expense 273 252 Earnings before Federal Income Tax Benefits and equity in undistributed income of the Bank 1,661 1,024 Federal Income Tax Benefits (84 ) (75 ) Income before equity in undistributed income of the Bank 1,745 1,099 Equity in undistributed income of the Bank 501 548 Net Income $ 2,246 $ 1,647 Total Comprehensive income $ 2,018 $ 1,136 Condensed Statements of Cash Flows 2016 2015 (In thousands) Operating Activities Net income $ 2,246 $ 1,647 Items not requiring (providing) cash Equity in undistributed net income of the Bank (501 ) (548 ) Increase (decrease) in cash due to changes in: Prepaid expenses and other assets (10 ) (10 ) Accrued expenses and other liabilities 8 (25 ) Net cash provided by operating activities 1,743 1,064 Investing Activities Repayment of ESOP loan 82 81 Net cash provided by investing activities 82 81 Financing Activities Payment of dividends on common stock (989 ) (990 ) Purchase of treasury stock — (338 ) Net cash used in financing activities (989 ) (1,328 ) Net Change in Cash and Cash Equivalents 836 (183 ) Cash and Cash Equivalents at Beginning of Period 522 705 Cash and Cash Equivalents at End of Period $ 1,358 $ 522

Quarterly Financial Data (Unaud

Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (Unaudited)	Note 20: Quarterly Financial Data (Unaudited) The following table summarizes the Company’s quarterly results of operations for the years ended December 31, 2016 and December 31, 2015: Three months Ended Year Ended December 2016: March 31, June 30, September 30, December 31, (In thousands, except per share data) Total interest income $ 3,841 $ 3,826 $ 3,953 $ 3,931 Total interest expense 493 518 534 525 Net interest income 3,348 3,308 3,419 3,406 Provision (credit) for loan losses (67 ) 11 208 213 Noninterest income 452 555 523 466 Noninterest expense 2,908 2,950 3,024 3,276 Income before income taxes 959 902 710 383 Federal income tax expense 252 228 160 68 Net income $ 707 $ 674 $ 550 $ 315 Earnings per share Basic and diluted $ 0.26 $ 0.24 $ 0.20 $ 0.12 Three months Ended Year Ended December 2015: March 31, June 30, September 30, December 31, (In thousands, except per share data) Total interest income $ 3,558 $ 3,588 $ 3,627 $ 3,726 Total interest expense 486 503 480 498 Net interest income 3,072 3,085 3,147 3,228 Provision for loan losses 233 481 357 104 Noninterest income 431 443 538 478 Noninterest expense 2,703 2,782 2,879 2,823 Income before income taxes 567 265 449 779 Federal income tax expense 127 22 77 187 Net income $ 440 $ 243 $ 372 $ 592 Earnings per share Basic and diluted $ 0.16 $ 0.09 $ 0.13 $ 0.22

Nature of Operations and Summ29

Nature of Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Wayne Savings Bancshares, Inc. (“Wayne” or the “Company”) and its wholly owned subsidiary, Wayne Savings Community Bank (the “Bank”). All intercompany transactions and balances have been eliminated
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America 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. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, goodwill and pension and other retirement benefit plans. In connection with the determination of the allowance for loan losses management obtains independent appraisals for significant properties.
Cash Equivalents	Cash Equivalents The Company considers all liquid investments with original maturities of three months or less to be cash equivalents. Noninterest-bearing transaction accounts are subject to the $250,000 limit on FDIC insurance per covered institution. From time to time, the Company’s interest-bearing cash accounts may exceed the FDIC’s insured limit of $250,000. Management considers the risk of loss to be very low.
Securities	Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held-to- maturity are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. For debt securities with fair value below carrying value when the Company does not intend to sell a debt security, and it is more likely than not, the Company will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income (loss). For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.
Loans	Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well secured and in process of collection. Past due status is determined based on contractual terms of the loan. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on non-accrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current for a period of six months and future payments are reasonably assured.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as 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 record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Large groups of smaller balance homogenous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
Premises and Equipment, Net	Premises and Equipment, Net Depreciable assets are stated at cost less accumulated depreciation. Depreciation is charged to expense using the straight-line method over the estimated useful lives of the assets. An accelerated method is used for tax purposes. Leasehold improvements are also stated at cost less accumulated depreciation and are depreciated using the straight line method over the estimated useful lives of the assets or the term of the lease, whichever is shorter. Gains and losses on dispositions are included in current operations. No asset impairment was recognized during the years ended December 31, 2016 and 2015.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock The Company is required as a condition of membership in the Federal Home Loan Bank of Cincinnati (“FHLB”) to maintain an investment in FHLB common stock. The required investment in the common stock is based on a predetermined formula. The stock is redeemable at par and, therefore, its cost is equivalent to its redemption value. At December 31, 2016, the FHLB placed no restrictions on redemption of shares in excess of a member’s required investment in the stock.
Foreclosed Assets Held for Sale	Foreclosed Assets Held for Sale, Net Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less estimated selling costs, at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from foreclosed assets.
Bank-Owned Life Insurance	Bank-Owned Life Insurance The Bank has purchased life insurance policies on certain key executives. Bank-owned life insurance is recorded at its cash surrender value, or the amount that can be realized.
Goodwill	Goodwill The composition of goodwill is as follows at December 31, 2016 and 2015: 2016 2015 (In thousands) Goodwill $ 1,719 $ 1,719 Pursuant to FASB ASC 350, the Company is required to annually test goodwill for impairment. The Company performs its annual goodwill impairment test as of November 30 each year. The Company’s testing of goodwill in the current year indicated there was no impairment in the carrying value of this asset.
Mortgage Servicing Rights	Mortgage Servicing Rights Mortgage servicing assets are recognized separately when rights are acquired through sale of financial assets. Under the servicing assets and liabilities accounting guidance (ASC 860-50), servicing rights resulting from the sale or securitization of loans originated by the Company are initially measured at fair value at the date of transfer. The Company subsequently measures each class of servicing asset using the amortization method. Under the amortization method, servicing rights are amortized in proportion to and over the period of estimated net servicing income. The amortized assets are assessed for impairment based on fair value at each reporting date. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. These variables change from quarter to quarter as market conditions and projected interest rates change, and may have an adverse impact on the value of the mortgage servicing rights and may result in a reduction to noninterest income. Each class of separately recognized servicing assets subsequently measured using the amortization method are evaluated and measured for impairment. Impairment is determined by stratifying rights into tranches based on predominant characteristics, such as interest rate, loan type and investor type. Impairment, if necessary, is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the carrying amount of the servicing assets for that tranche. The valuation allowance is adjusted to reflect changes in the measurement of impairment after the initial measurement of impairment. Changes in valuation allowances are reported in the income statement. Fair value in excess of the carrying amount of servicing assets for that stratum is not recognized. Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income.
Treasury Stock	Treasury Stock Common stock shares repurchased are recorded at cost. Cost of shares retired or reissued is determined using the first-in, first-out method.
Income Taxes	Income Taxes The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. Uncertain tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes as a component of income tax expense. The Company files consolidated income tax returns with its subsidiary. With a few exceptions, the Company is no longer subject to tax authorities for years before 2013.
Earnings Per Share	Earnings Per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during each period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options, if any, and are determined using the treasury stock method. Treasury stock shares and unearned ESOP shares are not deemed outstanding for earnings per share calculations.
Comprehensive Income	Comprehensive Income Comprehensive income consists of net income and other comprehensive income (loss), net of applicable income taxes. Other comprehensive income (loss) includes unrealized appreciation (depreciation) on available-for-sale securities, changes in the funded status of the defined benefit pension plan and the split-dollar life insurance plan.
Advertising and Marketing	Advertising and Marketing Advertising and marketing costs are expensed as incurred. The Company’s advertising and marketing expense totaled $275,000 for the year ended December 31, 2016 and $246,000 for year ended December 31, 2015.
Reclassifications	Reclassifications Certain reclassifications have been made to the prior years’ financial statements to conform to the 2016 financial statement presentation. These reclassifications had no effect on net income
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when the control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.

Nature of Operations and Summ30

Nature of Operations and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of goodwill and intangible assets	The composition of goodwill is as follows at December 31, 2016 and 2015: 2016 2015 (In thousands) Goodwill $ 1,719 $ 1,719

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Schedule of Available for Sale Securities	The amortized cost and fair values, together with gross unrealized gains and losses, of securities are as follows: Amortized Gross Gross Fair Value Available-for-sale securities (In thousands) December 31, 2016: U.S. government agencies $ 11 $ — $ — $ 11 Mortgage-backed securities of 58,797 399 582 58,614 Private-label collateralized mortgage 41 — 1 40 State and political subdivisions 11,698 402 56 12,044 Totals $ 70,547 $ 801 $ 639 $ 70,709 Amortized Gross Gross Fair Value Available-for-sale securities (In thousands) December 31, 2015: U.S. government agencies $ 101 $ — $ — $ 101 Mortgage-backed securities of 75,972 662 530 76,104 Private-label collateralized mortgage 274 3 — 277 State and political subdivisions 18,224 677 36 18,865 Totals $ 94,571 $ 1,342 $ 566 $ 95,347
Schedule of Held To Maturity Securities	Amortized Gross Gross Fair Value Held-to-maturity Securities: (In thousands) December 31, 2016: U.S. government agencies $ 21 $ — $ — $ 21 Mortgage-backed securities of 704 7 — 711 State and political subdivisions 8,834 12 239 8,607 Totals $ 9,559 $ 19 $ 239 $ 9,339 Amortized Gross Gross Fair Value Held-to-maturity Securities: (In thousands) December 31, 2015: U.S. government agencies $ 82 $ — $ — $ 82 Mortgage-backed securities of 1,052 5 — 1,057 State and political subdivisions 7,173 29 136 7,066 Totals $ 8,307 $ 34 $ 136 $ 8,205
Schedule of Expected Maturities of Available for Sale and Held To Maturity Securities	The amortized cost and fair value of available-for-sale securities and held-to-maturity securities at December 31, 2016, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-sale Held-to-maturity Amortized Fair Value Amortized Fair Value (In thousands) Within one year $ 1,189 $ 1,212 $ — $ — One to five years 4,023 4,244 2,056 2,044 Five to ten years 4,557 4,628 2,906 2,831 After ten years 1,940 1,971 3,893 3,753 11,709 12,055 8,855 8,628 Mortgage-backed securities of 58,797 58,614 704 711 Private-label collateralized mortgage 41 40 — — Totals $ 70,547 $ 70,709 $ 9,559 $ 9,339
Schedule of Securities in a Gross Unrealized Loss Position	The following table shows the gross unrealized losses and fair value of the Company’s investments, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2016 and 2015: December 31, 2016 Less than 12 Months More than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) Mortgage-backed securities $ 32,810 $ 409 $ 7,978 $ 173 $ 40,788 $ 582 Private-label collateralized — — 40 1 40 1 State and political 8,087 204 929 91 9,016 295 Total temporarily impaired $ 40,897 $ 613 $ 8,947 $ 265 $ 49,844 $ 878 December 31, 2015 Less than 12 Months More than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) Mortgage-backed securities $ 32,930 $ 269 $ 14,560 $ 261 $ 47,490 $ 530 State and political 3,756 50 2,515 122 6,271 172 Total temporarily impaired $ 36,686 $ 319 $ 17,075 $ 383 $ 53,761 $ 702

Loans and Allowance for Loan 32

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
Schedule of Loans Receivable	Categories of loans at December 31, include: 2016 2015 (In thousands) One-to-four family residential $ 193,424 $ 179,732 Multi-family residential 11,425 12,474 Construction 2,744 6,177 Nonresidential real estate and land 107,788 86,470 Commercial 23,215 18,031 Consumer and other 2,193 1,904 340,789 304,788 Less: Undisbursed portion of loans in process 4,719 8,065 Deferred loan origination fees 747 765 Allowance for loans losses 3,040 2,837 Total loans $ 332,283 $ 293,121
Schedule of Allowance for Loan Losses	The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on the portfolio segment and impairment method as of December 31, 2016 and 2015: December 31, 2016 One-to-four All other Commercial Consumer Total Allowance for loan losses: (In thousands) Beginning balance $ 1,346 $ 1,210 $ 279 $ 2 $ 2,837 Provision(credit) charged 213 (19 ) 166 5 365 Losses charged off (81 ) (83 )) — (1 ) (165 ) Recoveries 1 — 2 — 3 Ending balance $ 1,479 $ 1,108 $ 447 $ 6 $ 3,040 Allowance Balances: Individually evaluated for $ 323 $ 151 $ 184 $ — $ 658 Collectively evaluated for $ 1,156 $ 957 $ 263 $ 6 $ 2,382 Loan Balances: Ending balance: $ 193,424 $ 121,957 $ 23,215 $ 2,193 $ 340,789 Individually evaluated for $ 1,527 $ 1,067 $ 547 $ — $ 3,141 Collectively evaluated for $ 191,897 $ 120,890 $ 22,668 $ 2,193 $ 337,648 December 31, 2015 One-to-four All other Commercial Consumer Total Allowance for loan losses: (In thousands) Beginning balance $ 1,533 $ 885 $ 343 $ 8 $ 2,769 Provision (credit) charged to 924 325 (65 ) (9 ) 1,175 Losses charged off (1,158 ) — — — (1,158 ) Recoveries 47 — 1 3 51 Ending balance $ 1,346 $ 1,210 $ 279 $ 2 $ 2,837 Allowance Balances: Individually evaluated for $ 506 $ 13 $ 33 $ — $ 552 Collectively evaluated for $ 840 $ 1,197 $ 246 $ 2 $ 2,285 Loan Balances: Ending balance: $ 179,732 $ 105,121 $ 18,031 $ 1,904 $ 304,788 Individually evaluated for $ 2,789 $ 1,061 $ 33 $ — $ 3,883 Collectively evaluated for $ 176,943 $ 104,060 $ 17,998 $ 1,904 $ 300,905
Schedule of Loans Receivable by Credit Risk Profile	The following tables present the credit risk profile of the Bank’s loan portfolio based on rating category and payment activity as of December 31, 2016 and 2015: December 31, 2016 One-to-four All other Commercial Consumer loans (In thousands) Rating * Pass (Risk 1-4) $ 189,975 $ 119,503 $ 22,427 $ 2,193 Special Mention (Risk 5) — — — — Substandard (Risk 6) 3,449 2,454 788 — Total $ 193,424 $ 121,957 $ 23,215 $ 2,193 December 31, 2015 One-to-four All other Commercial Consumer loans (In thousands) Rating * Pass (Risk 1-4) $ 172,617 $ 100,961 $ 17,893 $ 1,904 Special Mention (Risk 5) 1,406 1,881 105 — Substandard (Risk 6) 5,709 2,279 33 — Total $ 179,732 $ 105,121 $ 18,031 $ 1,904 * Ratings are generally assigned to consumer and residential mortgage loans on a “pass” or “fail” basis, where “fail” results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank’s loan policy that produces a risk rating as described below.
Schedule of Aging Analysis of Loans Receivable	The following tables present the Bank’s loan portfolio aging analysis as of December 31, 2016 and 2015: December 31, 2016 30-59 Days 60-89 Days Greater Total Past Current Total (In thousands) One-to-four family $ 442 $ 419 $ 959 $ 1,820 $ 191,604 $ 193,424 All other mortgage — — 63 63 121,894 121,957 Commercial business loans 16 — 22 38 23,177 23,215 Consumer loans 8 — — 8 2,185 2,193 Total $ 466 $ 419 $ 1,044 $ 1,929 $ 338,860 $ 340,789 December 31, 2015 30-59 Days 60-89 Days Greater Total Past Current Total Loans (In thousands) One-to-four family $ 516 $ 329 $ 903 $ 1,748 $ 177,984 $ 179,732 All other mortgage 298 — 209 507 104,614 105,121 Commercial business loans 68 — — 68 17,963 18,031 Consumer loans — — — — 1,904 1,904 Total $ 882 $ 329 $ 1,112 $ 2,323 $ 302,465 $ 304,788
Schedule of Non-accrual Loans	Non-accrual loans were comprised of the following at December 31, 2016 and 2015: Non-accrual loans 2016 2015 (In thousands) One-to-four family residential loans $ 1,473 $ 1,733 Nonresidential real estate loans 85 208 All other mortgage loans — — Commercial business loans — — Consumer loans — — Total $ 1,558 $ 1,941
Schedule of Impaired Loans	The following tables present impaired loans as of and for the years ended December 31, 2016 and 2015: December 31, 2016 Recorded Unpaid Specific Average Interest (In thousands) Loans without a specific One-to-four family $ 1,121 $ 1,189 $ — $ 1,019 $ 37 All other mortgage loans 226 226 — 838 19 Commercial business — — — — — Loans with a specific One-to-four family 406 406 323 622 — All other mortgage loans 841 841 151 335 49 Commercial business 547 547 184 168 1 Total: One-to-four family $ 1,527 $ 1,595 $ 323 $ 1,641 $ 37 All other mortgage loans 1,067 1,067 151 1,173 68 Commercial business 547 547 184 168 1 $ 3,141 $ 3,209 $ 658 $ 2,982 $ 106 December 31, 2015 Recorded Unpaid Specific Average Interest (In thousands) Loans without a specific One-to-four family $ 1,224 $ 1,238 $ — $ 1,493 $ 44 All other mortgage loans — — — 532 — Commercial business — — — 9 — Loans with a specific One-to-four family 1,565 1,875 506 1,347 56 All other mortgage loans 1,061 1,061 13 575 71 Commercial business 33 33 33 82 1 Total: One-to-four family $ 2,789 $ 3,113 $ 506 $ 2,840 $ 100 All other mortgage loans 1,061 1,061 13 1,107 71 Commercial business 33 33 33 91 1 $ 3,883 $ 4,207 $ 552 $ 4,038 $ 172
Schedule of Troubled Debt Restructurings	The following tables present information regarding newly classified troubled debt restructurings by class for the years ended December 31, 2016 and 2015. Troubled Debt Restructurings Number of Pre-modification Post-modification (dollars in thousands) December 31, 2016 One-to-four family residential loans 8 $ 406 $ 406 Commercial business loans 4 508 508 Total 12 $ 914 $ 914 December 31, 2015 One-to-four family residential loans 1 $ 17 $ 17
Schedule of balance of mortgage loans collateralized by residential real estate properties held as foreclosed assets	The following table presents the balance of mortgage loans collateralized by residential real estate properties held as foreclosed assets at December 31, 2016 and December 31, 2015. December 31, 2016 December 31, 2015 Recorded Investment (In thousands) One-to-four family residential loans $ 2 $ 14
Schedule of balance of mortgage loans collateralized by residential real estate properties that are in formal process of foreclosure	The following table presents the balance of those mortgage loans collateralized by residential real estate properties that are in the formal process of foreclosure at December 31, 2016 and December 31, 2015. December 31, 2016 December 31, 2015 Recorded Investment (In thousands) One-to-four family residential loans $ 97 $ 171

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Major classifications of premises and equipment, stated at cost, at December 31, 2016 and 2015 are as follows: 2016 2015 (In thousands) Land and improvements $ 1,799 $ 1,799 Office buildings and improvements 8,072 8,027 Furniture, fixtures and equipment 5,239 4,890 Leasehold improvements 350 350 15,460 15,066 Less accumulated depreciation 9,040 8,403 Total $ 6,420 $ 6,663

Loan Servicing (Tables)

Loan Servicing (Tables)	12 Months Ended
	Dec. 31, 2016
Transfers and Servicing [Abstract]
Schedule of Carrying Value of Servicing Assets	Activity in the balance of servicing assets was as follows at December 31, 2016 and 2015: 2016 2015 (In thousands) Carrying amount, beginning of period $ 369 $ 332 Additions Servicing obligations that result from transfers 82 88 Subtractions Amortization 44 51 $ 407 $ 369
Schedule of Fair Value of Servicing Rights	The fair value of servicing rights subsequently measured using the amortization method was as follows: Fair value, beginning of period $ 404 $ 367 Fair value, end of period $ 444 $ 404

Interest-bearing Time Deposits

Interest-bearing Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Interest-Bearing Time Deposits [Abstract]
Schedule of Maturities of Time Deposits	At December 31, 2016, the scheduled maturities of time deposits are as follows: Due during the year ending December 31, (In thousands) 2017 $ 57,605 2018 21,649 2019 14,115 2020 16,644 2021 7,758 Thereafter 13,720 $ 131,491

Other Short-Term Borrowings (Ta

Other Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Other Short-Term Borrowings [Abstract]
Schedule of Short-term Borrowings	Short-term borrowings included the following at December 31, 2016 and 2015: 2016 2015 (In thousands) Other Short-term borrowings $ 7,246 $ 5,606

Federal Home Loan Bank Advanc37

Federal Home Loan Bank Advances (Tables)	12 Months Ended
	Dec. 31, 2016
Federal Home Loan Bank Advances [Abstract]
Schedule of Maturities of FHLB Advances and Annual Principal Payments	At December 31, 2016, advances from the Federal Home Loan Bank were as follows: Interest Rate Range Maturing year ending December 31, Amount (In thousands) 0.97% - 1.42% 2017 $ 6,000 1.30% - 1.33% 2018 6,000 1.47% - 1.55% 2019 6,000 $ 18,000

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense	The provision for income taxes includes the following components at December 31, 2016 and 2015: 2016 2015 (In thousands) Taxes currently payable $ 751 $ 270 Deferred income taxes (43 ) 143 Income tax expense $ 708 $ 413
Schedule of Reconciliation of Income Tax Expense	A reconciliation of income tax expense at the statutory rate to the Company’s actual income tax expense is shown below: 2016 2015 (In thousands) Computed at the statutory rate (34%) $ 972 $ 668 Increase (decrease) resulting from Tax-exempt interest (196 ) (223 ) Earnings on bank-owned life insurance (101 ) (100 ) Other 33 68 Actual tax expense $ 708 $ 413
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences related to deferred taxes shown on the consolidated balance sheets were as follows: 2016 2015 (In thousands) Deferred tax assets Deferred loan origination fees $ 254 $ 260 Allowance for loan losses 1,034 965 Real estate owned valuation 3 2 Pension adjustment 255 368 Reserve for uncollected interest 197 182 Benefit plan expenses 115 97 AMT credit carryover and low income — 12 Total deferred tax assets 1,858 1,886 Deferred tax liabilities Prepaid pension (154 ) (221 ) Federal Home Loan Bank stock dividends (1,023 ) (1,023 ) Book/tax depreciation differences (541 ) (560 ) Financed loan fees (130 ) (129 ) Unrealized gains on securities available-or-sale (55 ) (264 ) Mortgage servicing rights (139 ) (125 ) Total deferred tax liabilities (2,042 ) (2,322 ) Net deferred tax liability $ (184 ) $ (436 )

Accumulated Other Comprehensi39

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2016
Stockholders' Equity Note [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The components of accumulated other comprehensive income (loss), included in stockholders’ equity as of December 31, are as follows: 2016 2015 (In thousands) Gross unrealized gain on securities available-for-sale $ 162 $ 777 Gross unrealized loss for unfunded status of split-dollar (131 ) (89 ) Gross unrealized loss for unfunded status of defined (750 ) (1,083 ) (719 ) (395 ) Tax effect 200 104 Net-of-tax amount $ (519 ) $ (291 )

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Matters [Abstract]
Schedule of Regulatory Capital Requirements	The Bank’s actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table. Actual For Capital Adequacy To Be well Capitalized Amount Ratio Amount Ratio Amount Ratio As of December 31, 2016 Tier I Capital to average assets $ 38,133 8.5 % $ 17,850 4.0 % $ 22,313 5.0 % Tier 1 Common equity capital 38,133 13.0 % 13,159 4.5 % 19,007 6.5 % Tier I Capital to risk-weighted 38,133 13.0 % 17,545 6.0 % 23,393 8.0 % Total Risk-based capital to 41,176 14.1 % 23,393 8.0 % 29,241 10.0 % As of December 31, 2015 Tier I Capital to average assets $ 37,524 8.8 % $ 17,092 4.0 % $ 21,365 5.0 % Tier 1 Common equity capital 37,524 13.4 % 12,645 4.5 % 18,265 6.5 % Tier I Capital to risk-weighted 37,524 13.4 % 16,860 6.0 % 22,480 8.0 % Total Risk-based capital to 40,361 14.4 % 22,480 8.0 % 28,099 10.0 %

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Schedule of Loans Outstanding to Executive Officers, Directors and their Affiliates	Further, in management’s opinion, these loans did not involve more than normal risk of collectability or present other unfavorable features. Such loans are summarized below. 2016 2015 (In thousands) Aggregate balance – Beginning of period $ 319 $ 400 New loans — 9 Repayments and reclassifications (206 ) (90 ) Aggregate balance – End of period $ 113 $ 319

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Schedule of Changes in Projected Benefit Obligations	The Company uses a December 31 measurement date for the plan. Information about the plan’s funded status and pension cost follows: 2016 2015 (In thousands) Change in benefit obligation Beginning of year $ 2,153 $ 2,221 Interest cost 92 86 Actuarial gain (26 ) (112 ) Benefits paid (39 ) (38 ) Settlements (463 ) (4 ) End of year 1,717 2,153 Change in fair value of plan assets Beginning of year 1,722 1,590 Actuarial return on plan assets 114 (11 ) Employer contribution 87 185 Benefits paid (39 ) (38 ) Settlements (463 ) (4 ) End of year 1,421 1,722 Funded status at end of year $ (296 ) $ (431 ) The Company uses a December 31 measurement date for the plan. Information about the plan’s funded status and pension cost follows: 2016 2015 (In thousands) Change in benefit obligation Beginning of year $ 879 $ 901 Service cost 8 7 Interest cost 37 37 Loss /(Gain) 34 (44 ) Benefits Paid (25 ) (22 ) End of year $ 933 $ 879
Schedule of Pre-tax Amounts Recognized as a Component of Accumulated Other Comprehensive Income	Amounts recognized in accumulated other comprehensive income (loss) not yet recognized as components of net periodic benefit cost consist of the following at December 31, 2016 and 2015: 2016 2015 (In thousands) Net loss $ (750 ) $ (1,083 ) Amounts recognized in accumulated other comprehensive income (loss) not yet recognized as components of net periodic benefit cost consist of: 2016 2015 (In thousands) Prior service cost $ 69 $ 83 Net loss(gain) 62 6
Schedule of Net Periodic Benefit Cost	The accumulated benefit obligation for the defined benefit pension plan was $1.7 million, and $2.2 million at December 31, 2016 and 2015, respectively. 2016 2015 (In thousands) Components of net periodic benefit cost Internal cost $ 92 $ 86 Expected return on plan assets (107 ) (99 ) Amortization of net loss 98 105 Settlement charge 202 — Net periodic benefit cost $ 285 $ 92 The estimated net gain for the split-dollar plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is approximately $43,000. 2016 2015 (In thousands) Components of net periodic benefit cost Service cost $ 8 $ 7 Interest cost 37 37 (Gain)/Loss recognized (22 ) 98 Prior service cost 14 14 Net periodic benefit cost $ 37 $ 156
Schedule of Target Allocation of Plan Assets	Asset allocation is primarily based on a strategy to provide stable earnings while still permitting the plan to recognize potentially higher returns through an investment in equity securities. The target asset allocation percentages for 2016 are as follows: SMID-Cap stocks 30-70% Fixed income investments 30-70% Cash 0-15%
Schedule of Weighted Average Asset Allocation	At December 31, 2016 and 2015, the fair value of plan assets as a percentage of the total was invested in the following: 2016 2015 Equity Securities 61 % 60 % Debt securities 37 % 39 % Cash and cash equivalents 2 % 1 % 100 % 100 %
Schedule of Expected Benefits to be Paid	Benefit payments expected to be paid from the plan as of December 31, 2016 are as follows: (In thousands) 2017 $ 52 2018 62 2019 78 2020 86 2021 88 Thereafter 491 $ 857 The retiree accrued liability expected to be reversed from the plan as of December 31, 2016 is as follows: (In thousands) 2017 $ 28 2018 31 2019 33 2020 37 2021 43 Thereafter 300 $ 472
Schedule of Weighted Average Assumptions	Significant assumptions include the following as of December 31, 2016 and 2015: Pension Benefits 2016 2015 Weighted-average assumptions used to Discount rate 4.14 % 4.95 % Rate of compensation increase N/A N/A Weighted-average assumptions used to Discount rate 4.34 % 4.95 % Expected return on plan assets 6.00 % 6.00 % Rate of compensation increase N/A N/A Significant assumptions for the split-dollar plan liability include the following as of December 31, 2016 and 2015: 2016 2015 Weighted-average assumptions used to Discount rate 4.14 % 4.34 % Rate of compensation increase 1.50 % 1.50 % Weighted-average assumptions used to Discount rate 4.14 % 4.34 % Rate of compensation increase 1.50 % 1.50 %
Schedule of Fair Value Measurement of Pension Plan	The fair value of the Company’s pension plan assets, and the related investment references, at December 31, 2016, and 2015 by asset category are as follows: December 31, 2016 Fair Value Measurements Using Asset Category Total Fair Quoted Prices (Level 1) Significant (Level 2) Significant (Level 3) Mutual funds-Equity (In thousands) Large Cap Value (a) $ 86 $ 86 $ — $ — Large Cap Core (b) 114 114 — — Mid Cap Core (c) 100 100 — — Small-Cap Core (d) 52 52 — — International Core (e) 208 208 — — Large Cap Growth (f) 158 158 — — Small/Midcap Growth (g) 55 55 — — Mutual funds-Fixed Income Fixed Income-Core Plus (h) 398 398 — — Intermediate Duration (i) 134 134 — — Common/Collective Trusts- Large Cap Value (j) 90 — 90 — Cash Money Market (k) 26 26 — — Total $ 1,421 $ 1,331 $ 90 $ — (a) This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. (b) This category contains stocks of the S&P 500 Index. The stocks are maintained in approximately the same weightings as the index. (c) This category contains stocks of the MSCI U.S. Mid Cap 450 index Index. The stocks are maintained in approximately the same weightings as the index. (d) This category contains stocks whose sector weightings are maintained within a narrow band around those of the Russell 2000 Index. The portfolio will typically hold more than 150 stocks. (e) This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed emerging countries. (f) This category consists of two mutual funds, one which invests primarily of large U.S. – based growth companies, the other in fast-growing large cap growth companies with sustainable franchises and positive price momentum. (g) This category seeks capital appreciation through investments in common stock of small-capitalization companies, defined as those with a total market value of no more than $2 billion at the time the fund first invests in them. (h) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that Index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies. (i) This category consists of a mutual fund which invest in a diversified portfolio of high-quality bonds and other fixed income securities, including U.S. Government obligations, mortgage-related and asset-backed securities, corporate and municipal bonds, CMOs, and other securities mostly rated A or better. (j) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. (k) This category consists of a money market fund and is used for liquidity purposes. December 31, 2015 Fair Value Measurements Using Asset Category Total Fair Value Quoted Prices in Significant Other Significant (In thousands) Mutual funds-Equity Large Cap Value (a) $ 96 $ 96 $ — $ — Large Cap Core (b) 132 132 — — Mid Cap Core (c) 118 118 — — Small-Cap Core (d) 57 57 — — International Core (e) 271 271 — — Large Cap Growth (f) 205 205 — — Small/Midcap Growth (g) 60 60 — — Mutual funds-Fixed Income Fixed Income-Core Plus (h) 501 501 — — Intermediate Duration (i) 166 166 — — Common/Collective Trusts-Equity Large Cap Value (j) 91 — 91 — Cash Money Market 25 25 — — Total $ 1,722 $ 1,631 $ 91 $ — (a) This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. (b) This category contains stocks of the S&P 500 Index. The stocks are maintained in approximately the same weightings as the index. (c) This category contains stocks of the MSCI U.S. Mid Cap 450 index Index. The stocks are maintained in approximately the same weightings as the index. (d) This category contains stocks whose sector weightings are maintained within a narrow band around those of the Russell 2000 Index. The portfolio will typically hold more than 150 stocks. (e) This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed emerging countries. (f) This category consists of two mutual funds, one which invests primarily of large U.S. – based growth companies, the other in fast-growing large cap growth companies with sustainable franchises and positive price momentum. (g) This category seeks capital appreciation through investments in common stock of small-capitalization companies, defined as those with a total market value of no more than $2 billion at the time the fund first invests in them. (h) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that Index. The third fund targets investments of 50% or more in mortgage--backed securities guaranteed by the US government and its agencies. (i) This category consists of a mutual fund which invest in a diversified portfolio of high-quality bonds and other fixed income securities, including U.S. Government obligations, mortgage-related and asset-backed securities, corporate and municipal bonds, CMOs, and other securities mostly rated A or better. (j) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.
Schedule of ESOP Allocation	Share information for the ESOP is as follows at December 31, 2016 and 2015: 2016 2015 Allocated shares 135,999 128,993 Unearned shares 27,266 34,272 Total ESOP shares 163,265 163,265 Fair value of unearned shares at end of period $ 449,889 $ 452,733

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Schedule of Calculation of Earnings Per Share	Earnings per share (EPS) were computed as follows: Year Ended December 31, 2016 Net Income Weighted- Per Share (In thousands) Net income $ 2,246 Basic earnings per share Income available to common stockholders 2,747,586 $ 0.82 Income available to common stockholders and $ 2,246 2,747,586 $ 0.82 Year Ended December 31, 2015 Net Income Weighted- Per Share (In thousands) Net income $ 1,647 Basic earnings per share Income available to common stockholders 2,751,776 $ 0.60 Income available to common stockholders and $ 1,647 2,751,776 $ 0.60

Disclosures about Fair Value 44

Disclosures about Fair Value of Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Schedule of Fair Value Measured on a Recurring Basis	The following table presents the fair value measurements of assets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and December 31, 2015: Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2016 U.S. government agencies $ 11 $ — $ 11 $ — Mortgage-backed securities 58,614 — 58,614 — Private-label collateralized 40 — 40 — State and political subdivisions 12,044 — 12,044 — Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2015 U.S. government agencies $ 101 $ — $ 101 $ — Mortgage-backed securities 76,104 — 76,104 — Private-label collateralized 277 — 277 — State and political subdivisions 18,865 — 18,865 —
Schedule of Fair Value Measured on a Nonrecurring Basis	The following table presents the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2016 and December 31, 2015. Fair Value Measurement Using Fair Value Quoted Prices in Significant other Significant (In thousands) December 31, 2016 Collateral-dependent $ 1,053 $ — $ — $ 1,053 Foreclosed assets 2 — — 2 December 31, 2015 Collateral-dependent $ 292 $ — $ — $ 292 Foreclosed assets 5 — — 5
Schedule of Level 3 Fair Value Measurements	The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at December 31, 2016 and December 31, 2015, in thousands. Fair Value Valuation Technique Unobservable Inputs Weighted Average December 31, 2016 Collateral-dependent $ 1,053 Market Comparable Properties and specialized equipment discounts discounts 25% Foreclosed assets 2 Expected selling price Selling Costs 10% December 31, 2015 Collateral-dependent $ 292 Market Comparable Properties, less delinquent real estate taxes N/A N/A Foreclosed assets 5 Estimated Selling Price Selling Costs 10%
Schedule of Fair Value of Financial Instruments	The following table presents estimated fair values of the Company’s financial instruments. The fair values of certain of these instruments were calculated by discounting expected cash flows, which involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. Fair Value Measurements Using Carrying Quoted Prices Significant Significant (In thousands) December 31, 2016 Financial assets Cash and cash equivalents $ 16,756 $ 16,756 $ — $ — Held-to-maturity 9,559 — 9,339 — Loans, net of allowance 332,283 — — 341,999 Federal Home Loan Bank 4,226 — 4,226 — Interest receivable 1,146 — 1,146 — Financial liabilities Deposits 383,733 47,946 306,291 — Other short-term 7,246 — 7,246 — Federal Home Loan Bank 18,000 — 17,938 — Advances from borrowers 1,306 — 1,306 — Interest payable 29 — 29 — Fair Value Measurements Using Carrying Quoted Prices in Significant (Level 2) Significant (Level 3) (In thousands) December 31, 2015 Financial assets Cash and cash equivalents $ 11,156 $ 11,156 $ — $ — Held-to-maturity 8,307 — 8,205 — Loans, net of allowance 293,121 — — 302,595 Federal Home Loan 4,226 — 4,226 — Interest receivable 1,149 — 1,149 — Financial liabilities Deposits 362,427 42,630 295,796 — Other short-term 5,606 — 5,606 — Federal Home Loan 21,000 — 20,978 — Advances from 1,240 — 1,240 — Interest payable 40 — 40 —

Commitments and Credit Risk (Ta

Commitments and Credit Risk (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Schedule of Minimum Annual Lease Payments	The minimum annual lease payments over the current lease term are as follows: Year ending (In thousands) 2017 $ 60 2018 54 2019 28 2020 28 2021 9 Total $ 179

Condensed Financial Informati46

Condensed Financial Information (Parent Company Only) (Tables)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule of Condensed Balance Sheet	Presented below is condensed financial information as to financial position, results of operations and cash flows of the Company at December 31, 2016 and 2015: Condensed Balance Sheets 2016 2015 (In thousands) Assets Cash and due from banks $ 1,358 $ 522 Notes receivable from the Bank 362 444 Investment in the Bank 39,332 38,952 Prepaid expenses and other assets 247 250 Total assets $ 41,299 $ 40,168 Liabilities and Stockholders’ Equity Accrued expenses and other liabilities $ 271 $ 263 Stockholders’ equity Common stock and additional paid-in capital 36,439 36,415 Retained earnings 22,317 21,060 Shares acquired by ESOP (273 ) (343 ) Treasury stock – at cost (16,936 ) (16,936 ) Accumulated other comprehensive income (519 ) (291 ) Total stockholders’ equity 41,028 39,905 Total liabilities and stockholders’ equity $ 41,299 $ 40,168
Schedule of Condensed Statements of Income and Comprehensive Income	Condensed Statements of Income and Comprehensive Income 2016 2015 (In thousands) Operating Income Interest income $ 27 $ 32 Dividends from the Bank 1,907 1,244 Total operating income 1,934 1,276 Noninterest Expense 273 252 Earnings before Federal Income Tax Benefits and equity in undistributed income of the Bank 1,661 1,024 Federal Income Tax Benefits (84 ) (75 ) Income before equity in undistributed income of the Bank 1,745 1,099 Equity in undistributed income of the Bank 501 548 Net Income $ 2,246 $ 1,647 Total Comprehensive income $ 2,018 $ 1,136
Schedule of Condensed Statements of Cash Flows	Condensed Statements of Cash Flows 2016 2015 (In thousands) Operating Activities Net income $ 2,246 $ 1,647 Items not requiring (providing) cash Equity in undistributed net income of the Bank (501 ) (548 ) Increase (decrease) in cash due to changes in: Prepaid expenses and other assets (10 ) (10 ) Accrued expenses and other liabilities 8 (25 ) Net cash provided by operating activities 1,743 1,064 Investing Activities Repayment of ESOP loan 82 81 Net cash provided by investing activities 82 81 Financing Activities Payment of dividends on common stock (989 ) (990 ) Purchase of treasury stock — (338 ) Net cash used in financing activities (989 ) (1,328 ) Net Change in Cash and Cash Equivalents 836 (183 ) Cash and Cash Equivalents at Beginning of Period 522 705 Cash and Cash Equivalents at End of Period $ 1,358 $ 522

Quarterly Financial Data (Table

Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	The following table summarizes the Company’s quarterly results of operations for the years ended December 31, 2016 and December 31, 2015: Three months Ended Year Ended December 2016: March 31, June 30, September 30, December 31, (In thousands, except per share data) Total interest income $ 3,841 $ 3,826 $ 3,953 $ 3,931 Total interest expense 493 518 534 525 Net interest income 3,348 3,308 3,419 3,406 Provision (credit) for loan losses (67 ) 11 208 213 Noninterest income 452 555 523 466 Noninterest expense 2,908 2,950 3,024 3,276 Income before income taxes 959 902 710 383 Federal income tax expense 252 228 160 68 Net income $ 707 $ 674 $ 550 $ 315 Earnings per share Basic and diluted $ 0.26 $ 0.24 $ 0.20 $ 0.12 Three months Ended Year Ended December 2015: March 31, June 30, September 30, December 31, (In thousands, except per share data) Total interest income $ 3,558 $ 3,588 $ 3,627 $ 3,726 Total interest expense 486 503 480 498 Net interest income 3,072 3,085 3,147 3,228 Provision for loan losses 233 481 357 104 Noninterest income 431 443 538 478 Noninterest expense 2,703 2,782 2,879 2,823 Income before income taxes 567 265 449 779 Federal income tax expense 127 22 77 187 Net income $ 440 $ 243 $ 372 $ 592 Earnings per share Basic and diluted $ 0.16 $ 0.09 $ 0.13 $ 0.22

Nature of Operations and Summ48

Nature of Operations and Summary of Significant Accounting Policies (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Advertising and marketing expense	$ 275	$ 246

Nature of Operations and Summ49

Nature of Operations and Summary of Significant Accounting Policies (Schedule of Goodwill and Intangible Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Goodwill	$ 1,719	$ 1,719

Restriction on Cash and Due F50

Restriction on Cash and Due From Banks (Narrative) (Details) $ in Millions	Dec. 31, 2016USD ($)
Cash and Cash Equivalents [Abstract]
Cash required to maintained in reserve and/or on deposit with the Federal Reserve Bank	$ 2.6

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Carrying value of securities pledged as collateral to secure public deposits	$ 43.7	$ 55.3
Fair value of investments, carried at less than historical costs	$ 49.8	$ 53.8
Percentage available for sale Securities in unrealized loss positions out of total available for sale securities	62.00%	52.00%

Securities (Schedule of Availab

Securities (Schedule of Available for Sale Securities and Held To Maturity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Available-for-sale securities
Amortized Cost	$ 70,547	$ 94,571
Gross Unrealized Gains	801	1,342
Gross Unrealized Losses	639	566
Fair Value	70,709	95,347
Held-to-maturity Securities:
Amortized Cost	9,559	8,307
Gross Unrealized Gains	19	34
Gross Unrealized Losses	239	136
Fair Value	9,339	8,205
U.S. government agencies [Member]
Available-for-sale securities
Amortized Cost	11	101
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	11	101
Held-to-maturity Securities:
Amortized Cost	21	82
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	21	82
Mortgage-backed securities of government-sponsored entities [Member]
Available-for-sale securities
Amortized Cost	58,797	75,972
Gross Unrealized Gains	399	662
Gross Unrealized Losses	582	530
Fair Value	58,614	76,104
Held-to-maturity Securities:
Amortized Cost	704	1,052
Gross Unrealized Gains	7	5
Gross Unrealized Losses
Fair Value	711	1,057
Private-label collateralized mortgage obligations [Member]
Available-for-sale securities
Amortized Cost	41	274
Gross Unrealized Gains		3
Gross Unrealized Losses	1
Fair Value	40	277
State and political subdivisions [Member]
Available-for-sale securities
Amortized Cost	11,698	18,224
Gross Unrealized Gains	402	677
Gross Unrealized Losses	56	36
Fair Value	12,044	18,865
Held-to-maturity Securities:
Amortized Cost	8,834	7,173
Gross Unrealized Gains	12	29
Gross Unrealized Losses	239	136
Fair Value	$ 8,607	$ 7,066

Securities (Schedule of Expecte

Securities (Schedule of Expected Maturities of Available for Sale and Held To Maturity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Available-for-sale- Debt maturities, Amortized Cost
Within one year	$ 1,189
One to five years	4,023
Five to ten years	4,557
After ten Years	1,940
Subtotal	11,709
Totals	70,547
Available-for-sale, Fair Values
Within one year	1,212
One to five years	4,244
Five to ten years	4,628
After ten Years	1,971
Subtotal	12,055
Totals	70,709
Held-to-maturity, Amortized Cost
Within one year
One to five years	2,056
Five to ten years	2,906
After ten Years	3,893
Subtotal	8,855
Totals	9,559	$ 8,307
Held-to-maturity, Fair Values
Within one year
One to five years	2,044
Five to ten years	2,831
After ten Years	3,753
Subtotal	8,628
Total	9,339	8,205
Mortgage-backed securities of government-sponsored entities [Member]
Available-for-sale- Debt maturities, Amortized Cost
Subtotal	58,797
Available-for-sale, Fair Values
Maturities without single maturity date	58,614
Held-to-maturity, Amortized Cost
Maturities without single maturity date	704
Totals	704	1,052
Held-to-maturity, Fair Values
Maturities without single maturity date	711
Total	711	$ 1,057
Private-label collateralized mortgage obligations [Member]
Available-for-sale- Debt maturities, Amortized Cost
Subtotal	41
Available-for-sale, Fair Values
Maturities without single maturity date	40
Held-to-maturity, Amortized Cost
Maturities without single maturity date
Held-to-maturity, Fair Values
Maturities without single maturity date

Securities (Schedule of Securit

Securities (Schedule of Securities in a Gross Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities with unrealized loss position
Less than 12 Months, Fair Value	$ 40,897	$ 36,686
Less than 12 Months, Unrealized Losses	613	319
More than 12 Months, Fair Value	8,947	17,075
More than 12 Months, Unrealized Losses	265	383
Total, Fair Value	49,844	53,761
Total, Unrealized Losses	878	702
Mortgage-backed securities of government-sponsored entities [Member]
Securities with unrealized loss position
Less than 12 Months, Fair Value	32,810	32,930
Less than 12 Months, Unrealized Losses	409	269
More than 12 Months, Fair Value	7,978	14,560
More than 12 Months, Unrealized Losses	173	261
Total, Fair Value	40,788	47,490
Total, Unrealized Losses	582	530
Private-label collateralized mortgage obligations [Member]
Securities with unrealized loss position
Less than 12 Months, Fair Value
Less than 12 Months, Unrealized Losses
More than 12 Months, Fair Value	40
More than 12 Months, Unrealized Losses	1
Total, Fair Value	40
Total, Unrealized Losses	1
State and political subdivisions [Member]
Securities with unrealized loss position
Less than 12 Months, Fair Value	8,087	3,756
Less than 12 Months, Unrealized Losses	204	50
More than 12 Months, Fair Value	929	2,515
More than 12 Months, Unrealized Losses	91	122
Total, Fair Value	9,016	6,271
Total, Unrealized Losses	$ 295	$ 172

Loans and the Allowance for Loa

Loans and the Allowance for Loan Losses (Narrative) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Residential Mortgages [Member]
Troubled Debt Restructurings considered as impaired	$ 1,000
Troubled Debt restructurings classified as performing in accordance with terms	776
Nonresidential Real Estate and Land [Member]
Troubled Debt Restructurings considered as impaired	1,000
Troubled Debt restructurings classified as performing in accordance with terms	1,000
Commercial [Member]
Troubled Debt Restructurings considered as impaired	511
Troubled Debt restructurings classified as performing in accordance with terms	$ 511

Loans and the Allowance for L56

Loans and the Allowance for Loan Losses (Schedule of Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015		Dec. 31, 2014
Loans Receivable, gross	$ 340,789	$ 304,788
Undisbursed portion of loans in process	4,719	8,065
Deferred loan origination fees	747	765
Allowance for loan losses	3,040	2,837		$ 2,769
Total Loans	332,283	293,121
One To Four Family Residential [Member]
Loans Receivable, gross	193,424	179,732	[1]
Multi-family Residential [Member]
Loans Receivable, gross	11,425	12,474
Construction [Member]
Loans Receivable, gross	2,744	6,177
Nonresidential Real Estate and Land [Member]
Loans Receivable, gross	107,788	86,470
Commercial [Member]
Loans Receivable, gross	23,215	18,031
Consumer and Other [Member]
Loans Receivable, gross	$ 2,193	$ 1,904
[1]	Ratings are generally assigned to consumer and residential mortgage loans on a "pass" or "fail" basis, where "fail" results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank's loan policy that produces a risk rating as described below.

Loans and Allowance for Loan 57

Loans and Allowance for Loan Losses (Schedule of Allowance for Loan Losses) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016		Dec. 31, 2015
Activity in the allowance for loan losses by portfolio segment
Beginning balance		$ 2,837		$ 2,769
Provision(credit) charged		365		1,175
Losses charged off		(165)		(1,158)
Recoveries		3		51
Ending balance		3,040		2,837
Ending balances: Allowance for loan losses
Individually evaluated for impairment		658		552
Collectively evaluated for impairment		2,382		2,285
Ending balances: Loans
Individually evaluated for impairment		3,141		3,883
Collectively evaluated for impairment		337,648		300,905
Total Loans Receivable		340,789		304,788
One-to-four family residential [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning balance		1,346		1,533
Provision(credit) charged		213		924
Losses charged off		(81)		(1,158)
Recoveries		1		47
Ending balance		1,479		1,346
Ending balances: Allowance for loan losses
Individually evaluated for impairment		323		506
Collectively evaluated for impairment		1,156		840
Ending balances: Loans
Individually evaluated for impairment		1,527		2,789
Collectively evaluated for impairment		191,897		176,943
Total Loans Receivable		193,424	[1]	179,732
All other mortgage loans [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning balance		1,210		885
Provision(credit) charged		(19)		325
Losses charged off		(83)
Recoveries
Ending balance		1,108		1,210
Ending balances: Allowance for loan losses
Individually evaluated for impairment		151		13
Collectively evaluated for impairment		957		1,197
Ending balances: Loans
Individually evaluated for impairment		1,067		1,061
Collectively evaluated for impairment		120,890		104,060
Total Loans Receivable	[1]	121,957		105,121
Commercial business loans [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning balance		279		343
Provision(credit) charged		166		(65)
Losses charged off
Recoveries		2		1
Ending balance		447		279
Ending balances: Allowance for loan losses
Individually evaluated for impairment		184		33
Collectively evaluated for impairment		263		246
Ending balances: Loans
Individually evaluated for impairment		547		33
Collectively evaluated for impairment		22,668		17,998
Total Loans Receivable	[1]	23,215		18,031
Consumer loans [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning balance		2		8
Provision(credit) charged		5		(9)
Losses charged off		(1)
Recoveries				3
Ending balance		6		2
Ending balances: Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment		6		2
Ending balances: Loans
Individually evaluated for impairment
Collectively evaluated for impairment		2,193		1,904
Total Loans Receivable	[1]	$ 2,193		$ 1,904
[1]	Ratings are generally assigned to consumer and residential mortgage loans on a "pass" or "fail" basis, where "fail" results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank's loan policy that produces a risk rating as described below.

Loans and Allowance for Loan 58

Loans and Allowance for Loan Losses (Schedule of Loans Receivable by Credit Risk Profile) (Details) - USD ($) $ in Thousands		Dec. 31, 2016		Dec. 31, 2015
Loans Receivable, gross		$ 340,789		$ 304,788
One-to-four family residential [Member]
Loans Receivable, gross		193,424	[1]	179,732
One-to-four family residential [Member] | Pass [Member]
Loans Receivable, gross	[1]	189,975		172,617
One-to-four family residential [Member] | Special Mention [Member]
Loans Receivable, gross	[1]			1,406
One-to-four family residential [Member] | Substandard [Member]
Loans Receivable, gross	[1]	3,449		5,709
All other mortgage loans [Member]
Loans Receivable, gross	[1]	121,957		105,121
All other mortgage loans [Member] | Pass [Member]
Loans Receivable, gross	[1]	119,503		100,961
All other mortgage loans [Member] | Special Mention [Member]
Loans Receivable, gross	[1]			1,881
All other mortgage loans [Member] | Substandard [Member]
Loans Receivable, gross	[1]	788		2,279
Commercial business loans [Member]
Loans Receivable, gross	[1]	23,215		18,031
Commercial business loans [Member] | Pass [Member]
Loans Receivable, gross	[1]	22,427		17,893
Commercial business loans [Member] | Special Mention [Member]
Loans Receivable, gross	[1]			105
Commercial business loans [Member] | Substandard [Member]
Loans Receivable, gross	[1]	788		33
Consumer loans [Member]
Loans Receivable, gross	[1]	2,193		1,904
Consumer loans [Member] | Pass [Member]
Loans Receivable, gross	[1]	2,193		1,904
Consumer loans [Member] | Special Mention [Member]
Loans Receivable, gross	[1]
Consumer loans [Member] | Substandard [Member]
Loans Receivable, gross	[1]
One To Four Family Residential [Member]
Loans Receivable, gross		$ 193,424		$ 179,732	[1]
[1]	Ratings are generally assigned to consumer and residential mortgage loans on a "pass" or "fail" basis, where "fail" results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank's loan policy that produces a risk rating as described below.

Loans and Allowance for Loan 59

Loans and Allowance for Loan Lossess (Schedule of Aging Analysis of Loans Receivable) (Details) - USD ($) $ in Thousands		Dec. 31, 2016		Dec. 31, 2015
Total Past Due		$ 1,929		$ 2,323
Current		338,860		302,465
Total Loans Receivable		340,789		304,788
Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due		446		882
Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due		419		329
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due		1,044		1,112
One-to-four family residential [Member]
Total Past Due				1,748
Current				177,984
Total Loans Receivable		193,424	[1]	179,732
One-to-four family residential [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due		442		516
One-to-four family residential [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due		419		329
One-to-four family residential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due		959		903
One To Four Family Residential [Member]
Total Past Due		1,820
Current		191,604
Total Loans Receivable		193,424		179,732	[1]
All other mortgage loans [Member]
Total Past Due		63		507
Current		121,894		104,614
Total Loans Receivable	[1]	121,957		105,121
All other mortgage loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due				298
All other mortgage loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
All other mortgage loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due		63		209
Commercial business loans [Member]
Total Past Due		38		68
Current		23,177		17,963
Total Loans Receivable	[1]	23,215		18,031
Commercial business loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due		16		68
Commercial business loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Commercial business loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due		22
Consumer loans [Member]
Total Past Due		8
Current		2,185		1,904
Total Loans Receivable	[1]	2,193		1,904
Consumer loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Total Past Due		8
Consumer loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Total Past Due
Consumer loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due
[1]	Ratings are generally assigned to consumer and residential mortgage loans on a "pass" or "fail" basis, where "fail" results in a substandard classification. Commercial loans, both secured by real estate or other assets or unsecured, are analyzed in accordance with an analytical matrix codified in the Bank's loan policy that produces a risk rating as described below.

Loans and Allowance for Loan 60

Loans and Allowance for Loan Losses (Schedule of Non-accrual Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Non-accrual loans	$ 1,558	$ 1,941
One-to-four family residential [Member]
Non-accrual loans	1,473	1,733
Nonresidential real estate and land Portfolio Segment [Member]
Non-accrual loans	85	208
All other mortgage loans [Member]
Non-accrual loans
Commercial business loans [Member]
Non-accrual loans
Consumer loans [Member]
Non-accrual loans

Loans and Allowance for Loan 61

Loans and Allowance for Loan Losses (Schedule of Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Specific Allowance	$ 658	$ 552
Recorded Balance	3,141	3,883
Unpaid Principal Balance	3,209	4,207
Average Investment in Impaired Loans	2,982	4,038
Interest Income Recognized	106	172
One-to-four family residential [Member]
Loans without a specific valuation allowance, Recorded Balance	1,121	1,224
Loans without a specific valuation allowance, Unpaid Principal Balance	1,189	1,238
Loans without a specific valuation allowance, Average Investment in Impaired Loans	1,019	1,493
Loans without a specific valuation allowance, Interest Income Recognized	37	44
Loans with a specific valuation allowance, Recorded Balance	406	1,565
Loans with a specific valuation allowance, Unpaid Principal Balance	406	1,875
Specific Allowance	323	506
Loans with a specific valuation allowance, Average Investment in Impaired Loans	622	1,347
Loans with a specific valuation allowance, Interest Income Recognized		56
Recorded Balance	1,527	2,789
Unpaid Principal Balance	1,595	3,113
Average Investment in Impaired Loans	1,641	2,840
Interest Income Recognized	37	100
All other mortgage loans [Member]
Loans without a specific valuation allowance, Recorded Balance	226
Loans without a specific valuation allowance, Unpaid Principal Balance	226
Loans without a specific valuation allowance, Average Investment in Impaired Loans	838	532
Loans without a specific valuation allowance, Interest Income Recognized	19
Loans with a specific valuation allowance, Recorded Balance	841	1,061
Loans with a specific valuation allowance, Unpaid Principal Balance	841	1,061
Specific Allowance	151	13
Loans with a specific valuation allowance, Average Investment in Impaired Loans	335	575
Loans with a specific valuation allowance, Interest Income Recognized	49	71
Recorded Balance	1,067	1,061
Unpaid Principal Balance	1,067	1,061
Average Investment in Impaired Loans	1,173	1,107
Interest Income Recognized	68	71
Commercial business loans [Member]
Loans without a specific valuation allowance, Recorded Balance
Loans without a specific valuation allowance, Unpaid Principal Balance
Loans without a specific valuation allowance, Average Investment in Impaired Loans		9
Loans without a specific valuation allowance, Interest Income Recognized
Loans with a specific valuation allowance, Recorded Balance	547	33
Loans with a specific valuation allowance, Unpaid Principal Balance	547	33
Specific Allowance	184	33
Loans with a specific valuation allowance, Average Investment in Impaired Loans	168	82
Loans with a specific valuation allowance, Interest Income Recognized	1	1
Recorded Balance	547	33
Unpaid Principal Balance	547	33
Average Investment in Impaired Loans	168	91
Interest Income Recognized	$ 1	$ 1

Loans and Allowance for Loan 62

Loans and Allowance for Loan Losses (Schedule of Troubled Debt Restructurings) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)N	Dec. 31, 2015USD ($)N
Number of Loans | N	12
Pre-modification Unpaid Principal Balance	$ 914
Post- modification Unpaid Principal Balance	$ 914
One-to-four family residential [Member]
Number of Loans | N	8	1
Pre-modification Unpaid Principal Balance	$ 406	$ 17
Post- modification Unpaid Principal Balance	$ 406	$ 17
Commercial business loans [Member]
Number of Loans | N	4
Pre-modification Unpaid Principal Balance	$ 508
Post- modification Unpaid Principal Balance	$ 508

Loans and Allowance for Loan 63

Loans and Allowance for Loan Losses (Schedule of Loans Collateralized by Residential Real Estate Properties) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investment	$ 2	$ 14
One-to-four family residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investment	2	14
Recorded investment of assets in process of foreclosure	$ 97	$ 171

Premises and Equipment (Schedul

Premises and Equipment (Schedule of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment, gross	$ 15,460	$ 15,066
Less accumulated depreciation	9,040	8,403
Property, Plant and Equipment, Net	6,420	6,663
Land and Land Improvements [Member]
Premises and equipment, gross	1,799	1,799
Building and Building Improvements [Member]
Premises and equipment, gross	8,072	8,027
Furniture and Fixtures [Member]
Premises and equipment, gross	5,239	4,890
Leasehold improvements [Member]
Premises and equipment, gross	$ 350	$ 350

Loan Servicing (Narrative) (Det

Loan Servicing (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Transfers and Servicing [Abstract]
Mortgage Loans serviced for others, recorded off balance sheet	$ 36,900	$ 34,900
Contractual service fees, late fees, anciallary fees included in loan servicing fees on the income statement	40	30
Escrow balances maintained for loan servicing, included in demand deposits	$ 345	$ 313

Loan Servicing (Schedule of Car

Loan Servicing (Schedule of Carrying Value of Servicing Assets and Fair Value of Servicing Rights) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Servicing Asset
Carrying amount, beginning of period	$ 369	$ 332
Additions - Servicing obligations that result from transfers of financial assets	82	88
Subtractions - Amortization	44	51
Carrying amount, end of period	407	369
Fair value, beginning of period	404	367
Fair value, end of period	$ 444	$ 404

Interest-bearing Time Deposit67

Interest-bearing Time Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Interest-Bearing Time Deposits [Abstract]
Interest-bearing Deposit Liabilities	$ 14.7	$ 17.9

Interest-bearing Time Deposit68

Interest-bearing Time Deposits (Schedule of Maturities of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Due during the year ending December 31,
2,017	$ 57,605
2,018	21,649
2,019	14,115
2,020	16,644
2,021	7,758
Thereafter	13,720
Total	$ 131,491	$ 128,806

Other Short-Term Borrowings (Na

Other Short-Term Borrowings (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Other Short-Term Borrowings [Abstract]
Highest month-end balance	$ 7.2	$ 7.2
Daily average balance	6	6.4
Short-term borrowing collateralized by Mortgage-backed securities of government-sponsored entities	$ 9.1	$ 7

Other Short-Term Borrowings (Sc

Other Short-Term Borrowings (Schedule of Short-term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Other Short-Term Borrowings [Abstract]
Other short-term borrowings	$ 7,246	$ 5,606

Federal Home Loan Bank Advanc71

Federal Home Loan Bank Advances (Narrative) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Maximum additional borrowings from the FHLB	$ 100,000
Maximum borrowing capacity, lines of credit	18,700
State and political subdivisions [Member]
Financing Receivables pledged as collateral	18,800
All other mortgage loans [Member]
Financing Receivables pledged as collateral	$ 140,500

Federal Home Loan Bank Advanc72

Federal Home Loan Bank Advances (Schedule of Maturities of FHLB Advances and Annual Principal Payments) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Maturities of Federal Home Loan Bank Advances
2,017	$ 6,000
2,018	6,000
2,019	6,000
Federal Home Loan Bank advances	$ 18,000
Lower Range [Member]
Average Interest Rate Range
2,017	0.97%
2,018	1.30%
2,019	1.47%
Upper Range [Member]
Average Interest Rate Range
2,017	1.42%
2,018	1.33%
2,019	1.55%

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Income Tax Disclosure [Abstract]
Special bad debt deduction - cumulative	$ 2,700
Deferred Tax Liability related to cumulative bad debt deduction	$ 918

Income Taxes (Schedule of Compo

Income Taxes (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Taxes currently payable									$ 751	$ 270
Deferred income taxes									(43)	143
Income tax expense	$ 68	$ 160	$ 228	$ 252	$ 187	$ 77	$ 22	$ 127	$ 708	$ 413

Income Taxes (Schedule of Recon

Income Taxes (Schedule of Reconciliation of Income Tax Expense) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Computed at the statutory rate (34%)									$ 972	$ 668
Increase (decrease) resulting from
Tax-exempt interest									(196)	(223)
Earnings on bank-owned life insurance									(101)	(100)
Other									33	68
Income tax expense	$ 68	$ 160	$ 228	$ 252	$ 187	$ 77	$ 22	$ 127	$ 708	$ 413

Income Taxes (Schedule of Defer

Income Taxes (Schedule of Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets
Deferred loan origination fees	$ 254	$ 260
Allowance for loan losses	1,034	965
Real estate owned valuation	3	2
Pension adjustment	255	368
Reserve for uncollected interest	197	182
Benefit plan expenses	115	97
AMT credit carryover and low income housing credit		12
Total deferred tax assets	1,858	1,886
Deferred tax liabilities
Prepaid pension	(154)	(221)
Federal Home Loan Bank stock dividends	(1,023)	(1,023)
Book/tax depreciation differences	(541)	(560)
Financed loan fees	(130)	(129)
Unrealized gains on securities available-for-sale	(55)	(264)
Mortgage servicing rights	(139)	(125)
Total deferred tax liabilities	(2,042)	(2,322)
Net deferred tax liability	$ (184)	$ (436)

Accumulated Other Comprehensi77

Accumulated Other Comprehensive Income (Loss) (Schedule of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Stockholders' Equity Note [Abstract]
Gross unrealized gain on securities available-for-sale	$ 162	$ 777
Gross unrealized loss for unfunded status of split-dollar life insurance plan liability (tax free)	(131)	(89)
Gross unrealized loss for unfunded status of defined benefit plan liability	(750)	(1,083)
Accumulated other comprehensive income, before tax	(719)	(395)
Tax effect	200	104
Net-of-tax amount	$ (519)	$ (291)

Regulatory Matters (Schedule of

Regulatory Matters (Schedule of Regulatory Capital Requirements) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Jan. 31, 2016	Dec. 31, 2015
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 38,133		$ 37,524
Tier 1 Capital (to average assets) ratio	8.50%		8.80%
Minimum amount of Tier 1 Capital for adequacy purposes	$ 17,850		$ 17,092
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%		4.00%
Minimum Tier 1 Capital required to be well-capitalized	$ 22,313		$ 21,365
Minimum Tier 1 Capital required to be well-capitalized, ratio	5.00%		5.00%
Tier 1 Common equity capital to risk-weighted assets
Tier 1 Common equity capital	$ 38,133		$ 37,524
Tier 1 Common equity capital ratio	13.00%		13.40%
Minimum amount of Tier 1 Common equity capital for adequacy purposes	$ 13,159		$ 12,645
Minimum amount of Tier 1 Common equity capital for adequacy purposes ratio	4.50%		4.50%
Minimum amount of Tier 1 Common equity capital to be well-capitalized	$ 19,007		$ 18,265
Minimum amount of Tier 1 Common equity capital to be well-capitalized ratio	6.50%		6.50%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 38,133		$ 37,524
Tier 1 Capital (to risk-weighted assets) ratio	13.00%		13.40%
Minimum amount of Tier 1 Capital for adequacy purposes	$ 17,545		$ 16,860
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	6.00%		6.00%
Minimum Tier 1 Capital required to be well-capitalized	$ 23,393		$ 22,480
Minimum Tier 1 Capital required to be well-capitalized, ratio	8.00%		8.00%
Total Capital
Total Capital	$ 41,176		$ 40,361
Total Capital (to risk-weighted assets) ratio	14.10%		14.40%
Minimum amount of capital for adequacy purposes	$ 23,393		$ 22,480
Minimum amount of capital for adequacy purposes, ratio	8.00%		8.00%
Minimum Capital required to be well-capitalized	$ 29,241		$ 28,099
Minimum Capital required to be well-capitalized, ratio	10.00%		10.00%
Tier 1 and total capital ratios risk-weighted assets		0.625%
Lower Range [Member]
Total Capital
Tier 1 and total capital ratios risk-weighted assets		2.50%

Related Party Transactions (Nar

Related Party Transactions (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Legal expense	$ 152	$ 214
Director [Member]
Related Party deposit liabilities	449	386
Legal expense	14	8
Rental Expense	$ 29	$ 29

Related Party Transactions (Sch

Related Party Transactions (Schedule of Loans Outstanding to Executive Officers, Directors and their Affiliates) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans from related parties
Aggregate balance - Beginning of period	$ 319	$ 400
New loans		9
Repayments and reclassifications	(206)	(90)
Aggregate balance - End of period	$ 113	$ 319

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Allocated shares held by the ESOP	135,999	128,993
Fair Value of unallocated shares	$ 450
401(K) Expense Recognized	154	$ 148
ESOP expense	109	109
Pension Plan [Member]
Expected contributions to the plan in 2015	30
Net actuarial loss to be reclassified from AOCI to OCI in following period	61
Accumulated benefit obligation for the defined benefit pension plan	1,700	2,200
Split-Dollar Insurance Plan [Member]
Net actuarial loss to be reclassified from AOCI to OCI in following period	43
Accumulated benefit obligation for the defined benefit pension plan	$ 933	$ 879

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Changes in Projected Benefit Obligations) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Split-Dollar Insurance Plan [Member]
Change in benefit obligation:
Benefit obligation, beginning of year	$ 879	$ 901
Service cost	8	7
Interest cost	37	37
Actuarial (gain) loss	34	(44)
Benefits paid	(25)	(22)
Benefit obligation, end of year	933	879
Change in fair value of plan assets:
Benefits paid	(25)	(22)
Pension Plan [Member]
Change in benefit obligation:
Benefit obligation, beginning of year	2,153	2,221
Interest cost	92	86
Actuarial (gain) loss	(26)	(112)
Benefits paid	(39)	(38)
Settlements	(463)	(4)
Benefit obligation, end of year	1,717	2,153
Change in fair value of plan assets:
Fair value of plan assets, beginning of year	1,722	1,590
Actual return on plan assets	114	(11)
Employer contribution	87	185
Benefits paid	(39)	(38)
Settlements	(463)	(4)
Funded status at end of year	(296)	(431)
Fair value of plan assets, end of year	$ 1,421	$ 1,722

Employee Benefit Plans (Sched83

Employee Benefit Plans (Schedule of Pre-tax Amounts Recognized as a Component of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Split-Dollar Insurance Plan [Member]
Prior service cost	$ 69	$ 83
Net actuarial loss (gain)	62	6
Pension Plan [Member]
Net actuarial loss (gain)	$ (750)	$ (1,083)

Employee Benefit Plans (Sched84

Employee Benefit Plans (Schedule of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Split-Dollar Insurance Plan [Member]
Components of Net Period Benefit Cost
Service cost	$ 8	$ 7
Internal cost	37	37
Amortization of net loss	(22)	98
Prior service cost	14	14
Net periodic benefit cost	37	156
Pension Plan [Member]
Components of Net Period Benefit Cost
Internal cost	92	86
Expected return on plan assets	(107)	(99)
Settlement charge	202
Amortization of net loss	98	105
Net periodic benefit cost	$ 285	$ 92

Employee Benefit Plans (Sched85

Employee Benefit Plans (Schedule of Target Allocation of Plan Assets) (Details)	12 Months Ended
	Dec. 31, 2016
Mid-Cap Stocks [Member] | Lower Range [Member]
Target Asset Allocations
Target asset allocations	30.00%
Mid-Cap Stocks [Member] | Upper Range [Member]
Target Asset Allocations
Target asset allocations	70.00%
Fixed Income Investments [Member] | Lower Range [Member]
Target Asset Allocations
Target asset allocations	30.00%
Fixed Income Investments [Member] | Upper Range [Member]
Target Asset Allocations
Target asset allocations	70.00%
Cash [Member] | Lower Range [Member]
Target Asset Allocations
Target asset allocations	0.00%
Cash [Member] | Upper Range [Member]
Target Asset Allocations
Target asset allocations	15.00%

Employee Benefit Plans (Sched86

Employee Benefit Plans (Schedule of Weighted Average Asset Allocation) (Details)	Dec. 31, 2016	Dec. 31, 2015
Asset Allocations	100.00%	100.00%
Equity Securities [Member]
Asset Allocations	61.00%	60.00%
Cash and Cash Equivalents [Member]
Asset Allocations	2.00%	1.00%
Debt Securities [Member]
Asset Allocations	37.00%	39.00%

Employee Benefit Plans (Sched87

Employee Benefit Plans (Schedule of Fair Value Measurement of Pension Plan) (Details) - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets		$ 1,331	$ 1,631
Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets		90	91
Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets
Fair value [Member]
Fair value of plan assets		1,421	1,722
Large Cap Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[1]	86	96
Large Cap Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[1]
Large Cap Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[1]
Large Cap Value [Member] | Fair value [Member]
Fair value of plan assets	[1]	86	96
Large Cap Core [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[2]	114	132
Large Cap Core [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[2]
Large Cap Core [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[2]
Large Cap Core [Member] | Fair value [Member]
Fair value of plan assets	[2]	114	132
Mid Cap Core [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[3]	100	118
Mid Cap Core [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[3]
Mid Cap Core [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[3]
Mid Cap Core [Member] | Fair value [Member]
Fair value of plan assets	[3]	100	118
Small-Cap Core [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[4]	52	57
Small-Cap Core [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[4]
Small-Cap Core [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[4]
Small-Cap Core [Member] | Fair value [Member]
Fair value of plan assets	[4]	52	57
International Core [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[5]	208	271
International Core [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[5]
International Core [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[5]
International Core [Member] | Fair value [Member]
Fair value of plan assets	[5]	208	271
Large Cap Growth [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[6]	158	205
Large Cap Growth [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[6]
Large Cap Growth [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[6]
Large Cap Growth [Member] | Fair value [Member]
Fair value of plan assets	[6]	158	205
Small/Midcap Growth [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[7]	55	60
Small/Midcap Growth [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[7]
Small/Midcap Growth [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[7]
Small/Midcap Growth [Member] | Fair value [Member]
Fair value of plan assets	[7]	55	60
Fixed Income-US Core [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[8]	398	501
Fixed Income-US Core [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[8]
Fixed Income-US Core [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[8]
Fixed Income-US Core [Member] | Fair value [Member]
Fair value of plan assets	[8]	398	501
Intermediate Duration [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[9]	134	166
Intermediate Duration [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[9]
Intermediate Duration [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[9]
Intermediate Duration [Member] | Fair value [Member]
Fair value of plan assets	[9]	134	166
Common/Collective Trusts-Equity - Large Cap Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[10]
Common/Collective Trusts-Equity - Large Cap Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[10]	90	91
Common/Collective Trusts-Equity - Large Cap Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[10]
Common/Collective Trusts-Equity - Large Cap Value [Member] | Fair value [Member]
Fair value of plan assets	[10]	90	91
Money Market Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets	[11]	26	25
Money Market Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets	[11]
Money Market Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets	[11]
Money Market Funds [Member] | Fair value [Member]
Fair value of plan assets	[11]	$ 26	$ 25
[1]	This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index.
[2]	This category contains stocks of the S&P 500 Index. The stocks are maintained in approximately the same weightings as the index.
[3]	This category contains stocks of the MSCI U.S. Mid Cap 450 Index. The stocks are maintained in approximately the same weightings as the index.
[4]	This category contains stocks whose sector weightings are maintained within a narrow band around those of the Russell 2000 Index. The portfolio will typically hold more than 150 stocks.
[5]	This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed emerging countries.
[6]	This category consists of two mutual funds, one which invests primarily of large U.S. - based growth companies, the other in fast-growing large cap growth companies with sustainable franchises and positive price momentum.
[7]	This category seeks capital appreciation through investments in common stock of small-capitalization companies, defined as those with a total market value of no more than $2 billion at the time the fund first invests in them.
[8]	This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that Index. The third fund targets investments of 50% or more in mortgage--backed securities guaranteed by the US government and its agencies..
[9]	This category consists of a mutual fund which invest in a diversified portfolio of high-quality bonds and other fixed income securities, including U.S. Government obligations, mortgage-related and asset-backed securities, corporate and municipal bonds, CMOs, and other securities mostly rated A or better.
[10]	This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.
[11]	This category consists of a money market fund and is used for liquidity purposes.

Employee Benefit Plans (Sched88

Employee Benefit Plans (Schedule of Expected Benefits to be Paid) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Split-Dollar Insurance Plan [Member]
Future Benefit Payments
2,017	$ 28
2,018	31
2,019	33
2,020	37
2,021	43
Thereafter	300
Total	472
Pension Plan [Member]
Future Benefit Payments
2,017	52
2,018	62
2,019	78
2,020	86
2,021	88
Thereafter	491
Total	$ 857

Employee Benefit Plans (Sched89

Employee Benefit Plans (Schedule of Weighted Average Assumptions) (Details)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Pension Plan [Member]
Discount Rates
Discount Rates - Benefit Obligation	4.14%	4.95%
Discount Rates - Benefit Cost	4.34%	4.95%
Expected long-term return on plan assets	6.00%	6.00%
Rate of compensation increase
Rate of Compensation Increase - Benefit Obligation
Rate of Compensation Increase - Benefit Cost
Split-Dollar Insurance Plan [Member]
Discount Rates
Discount Rates - Benefit Obligation	4.14%	4.34%
Discount Rates - Benefit Cost	4.14%	4.34%
Rate of compensation increase
Rate of Compensation Increase - Benefit Obligation	1.50%	1.50%
Rate of Compensation Increase - Benefit Cost	1.50%	1.50%

Employee Benefit Plans (Sched90

Employee Benefit Plans (Schedule of ESOP Allocation) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Allocated shares	135,999	128,993
Unearned shares	27,266	34,272
Total ESOP shares	163,265	163,265
Fair value of unearned shares at end of period	$ 449,889	$ 452,733

Earnings Per Share (Schedule of

Earnings Per Share (Schedule of Calculation of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Earnings Per Share [Abstract]
Net Income	$ 315	$ 550	$ 674	$ 707	$ 592	$ 372	$ 243	$ 440	$ 2,246	$ 1,647
Weighted-average common shares outstanding (basic)									2,747,586	2,751,776
Weighted-average common shares outstanding (diluted)									2,747,586	2,751,776
Basic and Diluted earnings per share	$ 0.12	$ 0.20	$ 0.24	$ 0.26	$ 0.22	$ 0.13	$ 0.09	$ 0.16	$ 0.82	$ 0.60
Dilutive effect of assumed exercise of stock options

Disclosures about Fair Value 92

Disclosures about Fair Value of Assets and Liabilities (Schedule of Fair Value Measured on a Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Recurring Fair Value Measurements
Available-for-sale securities	$ 70,709	$ 95,347
U.S. government agencies [Member]
Recurring Fair Value Measurements
Available-for-sale securities	11	101
Mortgage-backed securities of government-sponsored entities [Member]
Recurring Fair Value Measurements
Available-for-sale securities	58,614	76,104
Private-label collateralized mortgage obligations [Member]
Recurring Fair Value Measurements
Available-for-sale securities	40	277
State and political subdivisions [Member]
Recurring Fair Value Measurements
Available-for-sale securities	12,044	18,865
Fair Value measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. government agencies [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage-backed securities of government-sponsored entities [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Private-label collateralized mortgage obligations [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | State and political subdivisions [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. government agencies [Member]
Recurring Fair Value Measurements
Available-for-sale securities	11	101
Fair Value measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed securities of government-sponsored entities [Member]
Recurring Fair Value Measurements
Available-for-sale securities	58,614	76,104
Fair Value measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Private-label collateralized mortgage obligations [Member]
Recurring Fair Value Measurements
Available-for-sale securities	40	277
Fair Value measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | State and political subdivisions [Member]
Recurring Fair Value Measurements
Available-for-sale securities	12,044	18,865
Fair Value measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. government agencies [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage-backed securities of government-sponsored entities [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | Private-label collateralized mortgage obligations [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair Value measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member] | State and political subdivisions [Member]
Recurring Fair Value Measurements
Available-for-sale securities
Fair value [Member] | Fair Value measured on a Recurring Basis [Member] | U.S. government agencies [Member]
Recurring Fair Value Measurements
Available-for-sale securities	11	101
Fair value [Member] | Fair Value measured on a Recurring Basis [Member] | Mortgage-backed securities of government-sponsored entities [Member]
Recurring Fair Value Measurements
Available-for-sale securities	58,614	76,104
Fair value [Member] | Fair Value measured on a Recurring Basis [Member] | Private-label collateralized mortgage obligations [Member]
Recurring Fair Value Measurements
Available-for-sale securities	40	277
Fair value [Member] | Fair Value measured on a Recurring Basis [Member] | State and political subdivisions [Member]
Recurring Fair Value Measurements
Available-for-sale securities	$ 12,044	$ 18,865

Disclosures about Fair Value 93

Disclosures about Fair Value of Assets and Liabilities (Schedule of Fair Value Measured on a Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Collateral-dependent impaired loans	$ 1,053	$ 292
Foreclosed assets	2	5
Fair Value, Measurements, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Collateral-dependent impaired loans
Foreclosed assets
Fair Value, Measurements, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Collateral-dependent impaired loans
Foreclosed assets
Fair Value, Measurements, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Collateral-dependent impaired loans		292
Foreclosed assets		5
Fair value [Member] | Fair Value, Measurements, Nonrecurring [Member]
Collateral-dependent impaired loans	1,053	292
Foreclosed assets	$ 2	$ 5

Disclosures about Fair Value 94

Disclosures about Fair Value of Assets and Liabilities (Schedule of Level 3 Fair Value Measurements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Collateral-dependent impaired loans	$ 1,053	$ 292
Foreclosed assets	$ 2	$ 5
Collateral-dependent impaired loans [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Valuation Technique	Market Comparable Properties and specialized equipment discounts	Market Comparable Properties, less delinquent real estate taxes
Unobservable Input	discounts
Range (Weighted Average)	25%
Foreclosed assets [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Valuation Technique	Expected selling price	Agreed upon selling price
Unobservable Input	Selling Costs	Selling Costs
Range (Weighted Average)	10%	10%

Disclosures about Fair Value 95

Disclosures about Fair Value of Assets and Liabilities (Schedule of Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financial assets
Held-to-maturity securities	$ 9,339	$ 8,205
Carrying Amount [Member]
Financial assets
Cash and cash equivalents	16,756	11,156
Held-to-maturity securities	9,559	8,307
Loans, net of allowance for loan losses	332,283	293,121
Federal Home Loan Bank stock	4,226	4,226
Interest receivable	1,146	1,149
Financial liabilities
Deposits	383,733	362,427
Other short-term borrowings	7,246	5,606
Federal Home Loan Bank advances	18,000	21,000
Advances from borrowers for taxes and insurance	1,306	1,240
Interest payable	29	40
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets
Cash and cash equivalents	16,756	11,156
Held-to-maturity securities
Loans, net of allowance for loan losses
Federal Home Loan Bank stock
Interest receivable
Financial liabilities
Deposits	47,946	42,630
Other short-term borrowings
Federal Home Loan Bank advances
Advances from borrowers for taxes and insurance
Interest payable
Significant Other Observable Inputs (Level 2) [Member]
Financial assets
Cash and cash equivalents
Held-to-maturity securities	9,339	8,205
Loans, net of allowance for loan losses
Federal Home Loan Bank stock	4,226	4,226
Interest receivable	1,146	1,149
Financial liabilities
Deposits	306,291	295,796
Other short-term borrowings	7,246	5,606
Federal Home Loan Bank advances	17,938	20,978
Advances from borrowers for taxes and insurance	1,306	1,240
Interest payable	29	40
Significant Unobservable Inputs (Level 3) [Member]
Financial assets
Cash and cash equivalents
Held-to-maturity securities
Loans, net of allowance for loan losses	341,999	302,595
Federal Home Loan Bank stock
Interest receivable
Financial liabilities
Deposits
Other short-term borrowings
Federal Home Loan Bank advances
Advances from borrowers for taxes and insurance
Interest payable

Commitments and Credit Risk (Na

Commitments and Credit Risk (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Uninsured Deposits, included in cash and due from banks	$ 2,300	$ 2,600
Rental Expense	$ 60	60
Leases expiration date	Apr. 30, 2021
Bank Overdrafts [Member]
Unused lines of credit	$ 7,800	7,800
Commercial and Commercial Real Estate Loans[Member]
Loan commitments	3	291
Fixed-rate loans [Member]
Loan commitments	1,600	2,100
Mortgage loans in origination process [Member]
Loan commitments	3,100	4,500
Nonresidential Real Estate and Land [Member]
Loan commitments	3,000	4,200
Line of Credit [Member] | Consumer loans [Member]
Unused lines of credit	20,800	19,400
Line of Credit [Member] | Commercial business loans [Member]
Unused lines of credit	20,200	17,100
Standby Letters of Credit [Member]
Standby letters of credit - outstanding	$ 361	$ 407
Credit Concentration Risk [Member] | Loan Portfolio [Member] | Commercial and Commercial Real Estate Loans[Member]
Credit Risk (percentage of overall makeup of loan portfolio)	41.00%	38.00%
Credit Concentration Risk [Member] | Loan Portfolio [Member] | Mortgages [Member]
Credit Risk (percentage of overall makeup of loan portfolio)	58.00%	61.00%
Credit Concentration Risk [Member] | Loan Portfolio [Member] | Installment Loans Portfolio [Member]
Credit Risk (percentage of overall makeup of loan portfolio)	1.00%	1.00%
Installment Loans Portfolio [Member] | Credit Concentration Risk [Member] | Loan Portfolio [Member] | Automobile Loan [Member]
Credit risk (percentage of installment loans)	38.00%	49.00%

Commitments and Credit Risk (Sc

Commitments and Credit Risk (Schedule of Minimum Annual Lease Payments) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Minimum annual lease payaments for the fiscal year ended:
2,017	$ 60
2,018	54
2,019	28
2,020	28
2,021	9
Total	$ 179

Condensed Financial Informati98

Condensed Financial Information (Parent Company Only) (Schedule of Condensed Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 10,138	$ 3,487
Total assets	454,791	433,632
Liabilities and Stockholders' Equity
Accrued expenses and other liabilities	4,600	4,258
Stockholders' equity
Retained earnings	22,317	21,060
Shares acquired by ESOP	(273)	(343)
Treasury stock - at cost	(16,936)	(16,936)
Accumulated other comprehensive income	(519)	(291)
Total stockholders' equity	41,028	39,905	$ 40,002
Total liabilities and stockholders' equity	454,791	433,632
Parent Company [Member]
Assets
Cash and due from banks	1,358	522
Notes receivable from the Bank	362	444
Investment in the Bank	39,332	38,952
Prepaid expenses and other assets	247	250
Total assets	41,299	40,168
Liabilities and Stockholders' Equity
Accrued expenses and other liabilities	271	263
Stockholders' equity
Common stock and additional paid-in capital	36,439	36,415
Retained earnings	22,317	21,060
Shares acquired by ESOP	(273)	(343)
Treasury stock - at cost	(16,936)	(16,936)
Accumulated other comprehensive income	(519)	(291)
Total stockholders' equity	41,028	39,905
Total liabilities and stockholders' equity	$ 41,299	$ 40,168

Condensed Financial Informati99

Condensed Financial Information (Parent Company Only) (Schedule of Condensed Statements of Income and Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Operating Income
Interest income	$ 3,931	$ 3,953	$ 3,826	$ 3,841	$ 3,726	$ 3,627	$ 3,588	$ 3,558	$ 15,551	$ 14,499
Noninterest Expense	3,276	3,024	2,950	2,908	2,823	2,879	2,782	2,703	12,158	11,187
Earnings before Federal Income Tax Benefits and equity in undistributed income of the Bank	383	710	902	959	779	449	265	567	2,954	2,060
Federal Income Tax Benefits	68	160	228	252	187	77	22	127	708	413
Net Income	$ 315	$ 550	$ 674	$ 707	$ 592	$ 372	$ 243	$ 440	2,246	1,647
Total comprehensive income									2,018	1,136
Parent Company [Member]
Operating Income
Interest income									27	32
Dividends from the Bank									1,907	1,244
Total operating income									1,934	1,276
Noninterest Expense									273	252
Earnings before Federal Income Tax Benefits and equity in undistributed income of the Bank									1,661	1,024
Federal Income Tax Benefits									(84)	(75)
Income before equity in undistributed income of the Bank									1,745	1,099
Equity in undistributed income of the Bank									501	548
Net Income									2,246	1,647
Total comprehensive income									$ 2,018	$ 1,136

Condensed Financial Informat100

Condensed Financial Information (Parent Company Only) (Schedule of Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Operating Activities
Net income	$ 315	$ 550	$ 674	$ 707	$ 592	$ 372	$ 243	$ 440	$ 2,246	$ 1,647
Increase (decrease) in cash due to changes in:
Accrued expenses and other liabilities									453	(298)
Net cash provided by operating activities									4,856	4,083
Investing Activities
Net cash used in investing activities									(18,279)	(19,160)
Financing Activities
Payment of dividends on common stock									(989)	(990)
Purchase of treasury stock										(338)
Net cash provided in financing activities									19,023	15,450
Net Change in Cash and Cash Equivalents									5,600	373
Cash and Cash equivalents, Beginning of period				11,156				10,783	11,156	10,783
Cash and Cash equivalents, End of period	16,756				11,156				16,756	11,156
Parent Company [Member]
Operating Activities
Net income									2,246	1,647
Items not requiring (providing) cash
Equity in undistributed net income of the Bank									(501)	(548)
Increase (decrease) in cash due to changes in:
Prepaid expenses and other assets									(10)	(10)
Accrued expenses and other liabilities									8	(25)
Net cash provided by operating activities									1,743	1,064
Investing Activities
Repayment of ESOP loan									82	81
Net cash used in investing activities									82	81
Financing Activities
Payment of dividends on common stock									(989)	(990)
Purchase of treasury stock										(338)
Net cash provided in financing activities									(989)	(1,328)
Net Change in Cash and Cash Equivalents									836	(183)
Cash and Cash equivalents, Beginning of period				$ 522				$ 705	522	705
Cash and Cash equivalents, End of period	$ 1,358				$ 522				$ 1,358	$ 522

Quarterly Financial Data (Un101

Quarterly Financial Data (Unaudited) (Schedule of Quarterly Financial Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Total interest income	$ 3,931	$ 3,953	$ 3,826	$ 3,841	$ 3,726	$ 3,627	$ 3,588	$ 3,558	$ 15,551	$ 14,499
Total interest expense	525	534	518	493	498	480	503	486	2,070	1,967
Net interest income	3,406	3,419	3,308	3,348	3,228	3,147	3,085	3,072	13,481	12,532
Provision (credit) for loan losses	213	208	11	(67)	104	357	481	233	365	1,175
Noninterest income	466	523	555	452	478	538	443	431	464	459
Noninterest expense	3,276	3,024	2,950	2,908	2,823	2,879	2,782	2,703	12,158	11,187
Income before income taxes	383	710	902	959	779	449	265	567	2,954	2,060
Federal income tax expense	68	160	228	252	187	77	22	127	708	413
Net income	$ 315	$ 550	$ 674	$ 707	$ 592	$ 372	$ 243	$ 440	$ 2,246	$ 1,647
Earnings per share
Basic and diluted	$ 0.12	$ 0.20	$ 0.24	$ 0.26	$ 0.22	$ 0.13	$ 0.09	$ 0.16	$ 0.82	$ 0.60