Guaranty Federal Bancshares (GFED) 10-Q 12 Nov 14 2014 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 01, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'GUARANTY FEDERAL BANCSHARES INC	'
Document Type	'10-Q	'
Current Fiscal Year End Date	'--12-31	'
Entity Common Stock, Shares Outstanding	'	4,300,148
Amendment Flag	'false	'
Entity Central Index Key	'0001046203	'
Entity Current Reporting Status	'Yes	'
Entity Voluntary Filers	'No	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Well-known Seasoned Issuer	'No	'
Document Period End Date	30-Sep-14	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q3	'

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Sep. 30, 2014	Dec. 31, 2013
ASSETS	'	'
Cash	$3,499,789	$3,453,032
Interest-bearing deposits in other financial institutions	7,622,823	8,850,168
Cash and cash equivalents	11,122,612	12,303,200
Available-for-sale securities	96,715,489	97,692,685
Held-to-maturity securities	65,352	79,162
Stock in Federal Home Loan Bank, at cost	3,108,900	2,885,100
Mortgage loans held for sale	69,132	623,432
Loans receivable, net of allowance for loan losses of September 30, 2014 - $6,537,697 - December 31, 2013 - $7,801,600	466,530,432	464,379,854
Accrued interest receivable:	'	'
Loans	1,383,215	1,462,881
Investments and interest-bearing deposits	285,790	389,760
Prepaid expenses and other assets	4,788,417	5,536,879
Foreclosed assets held for sale	3,556,044	3,821,976
Premises and equipment, net	10,668,442	10,886,720
Bank owned life insurance	14,324,175	14,043,697
Income taxes receivable	897,107	504,138
Deferred income taxes	3,586,343	5,278,651
	617,101,450	619,888,135
LIABILITIES	'	'
Deposits	471,250,671	487,318,939
Federal Home Loan Bank and Federal Reserve Bank advances	59,150,000	55,350,000
Securities sold under agreements to repurchase	10,000,000	10,000,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	444,050	149,668
Accrued expenses and other liabilities	1,204,264	998,934
Accrued interest payable	241,932	250,361
	557,755,917	569,532,902
COMMITMENTS AND CONTINGENCIES	'	'
Capital Stock:	'	'
Series A preferred stock, $0.01 par value; authorized 2,000,000 shares; issued and outstanding December 31, 2013 - 12,000 shares	'	11,983,790
Common stock, $0.10 par value; authorized 10,000,000 shares; issued September 30, 2014 and December 31, 2013 - 6,823,203 and 6,783,603 shares, respectively	682,320	678,360
Additional paid-in capital	50,796,626	57,655,031
Retained earnings, substantially restricted	46,984,044	43,769,485
Accumulated other comprehensive loss	'	'
Unrealized loss on available-for-sale securities, net of income taxes	-983,268	-2,506,248
	97,479,722	111,580,418
Treasury stock, at cost; September 30, 2014 and December 31, 2013 - 2,523,055 and 4,051,248 shares, respectively	-38,134,189	-61,225,185
	59,345,533	50,355,233
	$617,101,450	$619,888,135

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Loans receivable, allowance for loan losses (in Dollars)	$6,537,697	$7,801,600
Preferred stock, par value (in Dollars per share)	$0.01	$0.01
Preferred stock, authorized	2,000,000	2,000,000
Preferred stock, issued	12,000	12,000
Preferred stock, outstanding	12,000	12,000
Common stock, par value (in Dollars per share)	$0.10	$0.10
Common stock, authorized	10,000,000	10,000,000
Common stock, issued	6,823,203	6,783,603
Treasury stock, shares	2,523,055	4,051,248

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest Income	'	'	'	'
Loans	$5,736,813	$5,866,225	$17,180,526	$17,747,071
Investment securities	383,947	452,645	1,256,831	1,352,102
Other	26,299	31,025	107,349	137,163
	6,147,059	6,349,895	18,544,706	19,236,336
Interest Expense	'	'	'	'
Deposits	583,736	717,324	1,753,229	2,209,918
Federal Home Loan Bank and Federal Reserve Bank advances	302,271	311,210	896,598	987,754
Subordinated debentures	133,456	134,474	399,654	403,146
Other	66,700	66,700	197,925	338,397
	1,086,163	1,229,708	3,247,406	3,939,215
Net Interest Income	5,060,896	5,120,187	15,297,300	15,297,121
Provision for Loan Losses	450,000	200,000	975,000	850,000
Net Interest Income After Provision for Loan Losses	4,610,896	4,920,187	14,322,300	14,447,121
Noninterest Income	'	'	'	'
Service charges	315,066	299,708	946,485	853,542
Gain (loss) on sale of investment securities	-1,554	14,149	9,137	219,132
Gain on sale of loans	249,967	262,210	686,212	1,286,229
Gain on sale of state low-income housing tax credits	'	'	'	1,441,012
Net loss on foreclosed assets	-32,782	-27,643	-109,747	-175,746
Other income	336,688	327,674	1,015,486	956,241
	867,385	876,098	2,547,573	4,580,410
Noninterest Expense	'	'	'	'
Salaries and employee benefits	2,218,655	2,257,469	6,755,386	6,922,577
Occupancy	421,626	437,879	1,268,301	1,313,772
FDIC deposit insurance premiums	84,031	141,089	340,994	424,725
Prepayment penalty on repurchase agreements	'	'	'	1,510,000
Data processing	180,021	164,719	506,293	518,854
Advertising	106,251	106,251	318,753	318,753
Other expense	840,484	903,045	2,888,928	2,959,708
	3,851,068	4,010,452	12,078,655	13,968,389
Income Before Income Taxes	1,627,213	1,785,833	4,791,218	5,059,142
Provision for Income Taxes	266,730	439,847	790,626	1,192,763
Net Income	1,360,483	1,345,986	4,000,592	3,866,379
Preferred Stock Dividends and Discount Accretion	'	198,630	357,210	595,890
Net Income Available to Common Shareholders	$1,360,483	$1,147,356	$3,643,382	$3,270,489
Basic Income Per Common Share (in Dollars per share)	$0.32	$0.42	$0.93	$1.20
Diluted Income Per Common Share (in Dollars per share)	$0.31	$0.41	$0.92	$1.16

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
NET INCOME	$1,360,483	$1,345,986	$4,000,592	$3,866,379
OTHER ITEMS OF COMPREHENSIVE INCOME (LOSS):	'	'	'	'
Change in unrealized gain (loss) on investment securities available-for-sale, before income taxes	-107,064	-26,465	2,426,566	-4,131,266
Less: Reclassification adjustment for realized gains on investment securities included in net income, before income taxes	1,554	-14,149	-9,137	-219,132
Total other items in comprehensive income (loss)	-105,510	-40,614	2,417,429	-4,350,398
Income tax expense (benefit) related to other items of comprehensive income	-39,039	-15,027	894,449	-1,609,647
Other comprehensive income (loss)	-66,471	-25,587	1,522,980	-2,740,751
TOTAL COMPREHENSIVE INCOME	$1,294,012	$1,320,399	$5,523,572	$1,125,628

Condensed_Consolidated_Stateme2

Condensed Consolidated Statement of Stockholders' Equity (Unaudited) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Common Stock Warrants [Member]	Additional Paid-in Capital [Member]	Treasury Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2012	$11,789,276	$678,180	$1,377,811	$58,267,529	($61,369,344)	$39,324,292	$800,826	$50,868,570
Net income	'	'	'	'	'	3,866,379	'	3,866,379
Change in unrealized gain (loss) on available-for-sale securities, net of income taxes	'	'	'	'	'	'	-2,740,751	-2,740,751
Preferred stock discount accretion	145,886	'	'	'	'	-145,886	'	'
Preferred stock dividends	'	'	'	'	'	-450,000	'	-450,000
Common stock warrants repurchased	'	'	-1,377,811	-625,439	'	'	'	-2,003,250
Stock award plans	'	'	'	-31,597	250,795	'	'	219,198
Stock options exercised	'	180	'	9,229	'	'	'	9,409
Treasury stock purchased	'	'	'	'	-105,782	'	'	-105,782
Balance at Sep. 30, 2013	11,935,162	678,360	'	57,619,722	-61,224,331	42,594,785	-1,939,925	49,663,773
Balance at Dec. 31, 2013	11,983,790	678,360	'	57,655,031	-61,225,185	43,769,485	-2,506,248	50,355,233
Net income	'	'	'	'	'	4,000,592	'	4,000,592
Change in unrealized gain (loss) on available-for-sale securities, net of income taxes	'	'	'	'	'	'	1,522,980	1,522,980
Preferred stock redeemed	-12,000,000	'	'	'	'	'	'	-12,000,000
Preferred stock discount accretion	16,210	'	'	'	'	-16,210	'	'
Preferred stock dividends	'	'	'	'	'	-338,000	'	-338,000
Dividends on common stock ($0.05 per share)	'	'	'	'	'	-431,823	'	-431,823
Stock award plans	'	'	'	-214,642	426,011	'	'	211,369
Stock options exercised	'	3,960	'	206,910	'	'	'	210,870
Proceeds from issuance of common stock	'	'	'	-6,850,673	22,664,985	'	'	15,814,312
Balance at Sep. 30, 2014	'	$682,320	'	$50,796,626	($38,134,189)	$46,984,044	($983,268)	$59,345,533

Condensed_Consolidated_Stateme3

Condensed Consolidated Statement of Stockholders' Equity (Unaudited) (Parentheticals) (USD $)	9 Months Ended
	Sep. 30, 2014
Dividends on common stock per share	$0.05

Condensed_Consolidated_Stateme4

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES	'	'
Net income	$4,000,592	$3,866,379
Items not requiring (providing) cash:	'	'
Deferred income taxes	797,859	794,155
Depreciation	565,966	619,530
Provision for loan losses	975,000	850,000
Gain on sale of loans and investment securities	-695,349	-1,505,361
Loss on foreclosed assets held for sale	42,706	80,957
Gain on sale of state low-income housing tax credits	'	-1,441,012
Amortization of deferred income, premiums and discounts	566,323	480,426
Stock award plan expense	223,520	219,199
Origination of loans held for sale	-23,205,947	-44,234,389
Proceeds from sale of loans held for sale	24,446,459	47,131,305
Increase in cash surrender value of bank owned life insurance	-280,478	-292,466
Changes in:	'	'
Prepaid FDIC deposit insurance premiums	'	1,438,636
Accrued interest receivable	183,636	233,667
Prepaid expenses and other assets	748,462	575,992
Accounts payable and accrued expenses	55,407	336,470
Income taxes receivable	-405,120	388,609
Net cash provided by operating activities	8,019,036	9,542,097
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Net change in loans	-3,338,525	5,968,759
Principal payments on held-to-maturity securities	13,809	96,854
Principal payments on available-for-sale securities	7,148,661	8,840,250
Proceeds from calls/maturities of available-for-sale securities	3,151,000	9,000,000
Purchase of premises and equipment	-347,688	-343,496
Purchase of available-for-sale securities	-28,700,444	-50,890,798
Proceeds from sale of available-for-sale securities	21,258,655	24,628,847
Redemption of Federal Home Loan Bank stock	'	896,400
Purchase of Federal Home Loan Bank stock	-223,800	'
Proceeds from sale of state low-income housing tax credits	'	1,441,012
Proceeds from sale of foreclosed assets held for sale	415,741	844,524
Net cash provided by (used in) investing activities	-622,591	482,352
CASH FLOWS FROM FINANCING ACTIVITIES	'	'
Cash dividends paid on common stock	-215,329	'
Net increase (decrease) in demand deposits, NOW and savings accounts	-11,905,037	29,026,691
Net decrease in certificates of deposit	-4,163,231	-18,317,426
Net decrease of securities sold under agreements to repurchase	'	-15,000,000
Proceeds from FHLB advances	6,800,000	'
Repayments of FHLB advances	-3,000,000	-15,100,000
Stock options exercised	210,870	9,408
Redemption of preferred stock	-12,000,000	'
Repurchase of common stock warrants	'	-2,003,250
Proceeds from issuance of common stock	15,814,312	'
Advances from borrowers for taxes and insurance	294,382	329,879
Cash dividends paid on preferred stock	-413,000	-450,000
Treasury stock purchased	'	-105,782
Net cash used in financing activities	-8,577,033	-21,610,480
DECREASE IN CASH AND CASH EQUIVALENTS	-1,180,588	-11,586,031
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	12,303,200	41,663,405
CASH AND CASH EQUIVALENTS, END OF PERIOD	$11,122,612	$30,077,374

Note_1_Basis_of_Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Business Description and Basis of Presentation [Text Block]	'
	Note 1: Basis of Presentation
	The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) considered necessary for a fair presentation have been included.
	These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in Guaranty Federal Bancshares, Inc.’s (the “Company”) Annual Report on Form 10-K (“Form 10K”) for the year ended December 31, 2013 filed with the Securities and Exchange Commission (the “SEC”). The results of operations for the periods are not necessarily indicative of the results to be expected for the full year or any other period. The condensed consolidated balance sheet of the Company as of December 31, 2013, has been derived from the audited consolidated balance sheet of the Company as of that date. Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with generally accepted accounting principles have been condensed or omitted.

Note_2_Principles_of_Consolida

Note 2 - Principles of Consolidation	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	'
	Note 2: Principles of Consolidation
	The accompanying condensed consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Guaranty Bank (the “Bank”). All significant intercompany transactions and balances have been eliminated in consolidation.

Note_3_Securities

Note 3 - Securities	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	Note 3: Securities
	The amortized cost and approximate fair values of securities classified as available-for-sale were as follows:
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of September 30, 2014
	Equity Securities	$	102,212	$	13,977		$	(15,298	)	$	100,891
	Debt Securities:
	U. S. government agencies		16,860,032		-			(593,261	)		16,266,771
	Municipals		14,348,081		148,064			(129,926	)		14,366,219
	Government sponsored mortgage-backed securities		66,965,907		252,102			(1,236,401	)		65,981,608
		$	98,276,232	$	414,143		$	(1,974,886	)	$	96,715,489
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of December 31, 2013
	Equity Securities	$	102,212	$	16,007		$	(18,913	)	$	99,306
	Debt Securities:
	U. S. government agencies		33,198,865		-			(1,437,478	)		31,761,387
	Municipals		14,133,821		18,827			(660,021	)		13,492,627
	Corporates		990,663		3,609			-			994,272
	Government sponsored mortgage-backed securities		53,245,297		265,038			(2,165,242	)		51,345,093
		$	101,670,858	$	303,481		$	(4,281,654	)	$	97,692,685
	Maturities of available-for-sale debt securities as of September 30, 2014:
		Amortized Cost		Approximate Fair
				Value
	1-5 years	$	8,513,565	$	8,322,947
	6-10 years		14,973,074		14,533,744
	After 10 years		7,721,474		7,776,299
	Government sponsored mortgage-backed securities not due on a single maturity date		66,965,907		65,981,608
		$	98,174,020	$	96,614,598
	The amortized cost and approximate fair values of securities classified as held to maturity are as follows:
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of September 30, 2014
	Debt Securities:
	Government sponsored mortgage-backed securities	$	65,352	$	1,742		$	-		$	67,094
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of December 31, 2013
	Debt Securities:
	Government sponsored mortgage-backed securities	$	79,162	$	1,927		$	-		$	81,089
	Maturities of held-to-maturity securities as of September 30, 2014:
		Amortized Cost		Approximate Fair
				Value
	Government sponsored mortgage-backed securities not due on a single maturity date	$	65,352	$	67,094
	The book value of securities pledged as collateral, to secure public deposits and for other purposes, amounted to $45,982,867 and $44,717,470 as of September 30, 2014 and December 31, 2013, respectively. The approximate fair value of pledged securities amounted to $44,912,238 and $42,807,840 as of September 30, 2014 and December 31, 2013, respectively.
	Realized gains and losses are recorded as net securities gains. Gains on sales of securities are determined on the specific identification method. Gross gains of $9,137 and $219,132 as of September 30, 2014 and September 30, 2013, respectively, were realized from the sale of available-for-sale securities. The tax effect of these net gains was $3,381 and $81,079 as of September 30, 2014 and September 30, 2013, respectively.
	The Company evaluates all securities quarterly to determine if any unrealized losses are deemed to be other than temporary. Certain investment securities are valued at less than their historical cost. These declines are primarily the result of the rate for these investments yielding less than current market rates, or declines in stock prices of equity securities. Based on evaluation of available evidence, management believes the declines in fair value for these securities are temporary. It is management’s intent to hold the debt securities to maturity or until recovery of the unrealized loss. Should the impairment of any of these debt 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, to the extent the loss is related to credit issues, and to other comprehensive income to the extent the decline on debt securities is related to other factors and the Company does not intend to sell the security prior to recovery of the unrealized loss.
	Certain other investments in debt and equity securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at September 30, 2014 and December 31, 2013, was $69,329,238 and $85,712,067, respectively, which is approximately 72% and 88% of the Company’s investment portfolio. These declines primarily resulted from changes in market interest rates and failure of certain investments to meet projected earnings targets.
	The following table shows gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2014 and December 31, 2013.
		30-Sep-14
		Less than 12 Months					12 Months or More						Total
	Description of Securities	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	Equity Securities	$	-	$	-		$	32,629		$	(15,298	)	$	32,629	$	(15,298	)
	U. S. government agencies		-		-			16,266,771			(593,261	)		16,266,771		(593,261	)
	Municipals		1,560,280		(3,087	)		6,485,567			(126,839	)		8,045,847		(129,926	)
	Government sponsored mortgage-backed securities		11,213,100		(66,485	)		33,770,891			(1,169,916	)		44,983,991		(1,236,401	)
		$	12,773,380	$	(69,572	)	$	56,555,858		$	(1,905,314	)	$	69,329,238	$	(1,974,886	)
		31-Dec-13
		Less than 12 Months					12 Months or More						Total
Description of Securities	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
Equity Securities	$	-	$	-		$	29,014		$	(18,913	)	$	29,014	$	(18,913	)
U. S. government agencies		24,731,730		(916,208	)		7,029,657			(521,270	)		31,761,387		(1,437,478	)
Municipals		10,460,662		(534,440	)		1,701,215			(125,581	)		12,161,877		(660,021	)
Government sponsored mortgage-backed securities		32,074,646		(1,655,296	)		9,685,143			(509,946	)		41,759,789		(2,165,242	)
	$	67,267,038	$	(3,105,944	)	$	18,445,029		$	(1,175,710	)	$	85,712,067	$	(4,281,654	)

Note_4_Loans_and_Allowance_for

Note 4 - Loans and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2014
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	Note 4: Loans and Allowance for Loan Losses
	Categories of loans at September 30, 2014 and December 31, 2013 include:
		September 30,			December 31,
		2014			2013
	Real estate - residential mortgage:
	One to four family units	$	97,624,021		$	93,797,650
	Multi-family		31,215,812			46,188,434
	Real estate - construction		39,354,340			43,266,130
	Real estate - commercial		201,823,638			179,079,433
	Commercial loans		86,093,439			92,721,783
	Consumer and other loans		17,152,679			17,303,392
	Total loans		473,263,929			472,356,822
	Less:
	Allowance for loan losses		(6,537,697	)		(7,801,600	)
	Deferred loan fees/costs, net		(195,800	)		(175,368	)
	Net loans	$	466,530,432		$	464,379,854
	Classes of loans by aging at September 30, 2014 and December 31, 2013 were as follows:
	As of September 30, 2014
		30-59 Days			60-89 Days			90 Days and more Past Due			Total Past			Current			Total Loans			Total Loans >
		Past Due			Past Due						Due						Receivable			90 Days and
																				Accruing
		(In Thousands)
	Real estate - residential mortgage:
	One to four family units	$	751		$	239		$	353		$	1,343		$	96,281		$	97,624		$	-
	Multi-family		413			-			-			413			30,803			31,216			-
	Real estate - construction		-			-			-			-			39,354			39,354			-
	Real estate - commercial		-			-			-			-			201,824			201,824			-
	Commercial loans		510			-			230			740			85,353			86,093			-
	Consumer and other loans		23			15			38			76			17,077			17,153			-
	Total	$	1,697		$	254		$	621		$	2,572		$	470,692		$	473,264		$	-
	As of December 31, 2013
		30-59 Days			60-89 Days			90 Days and more Past Due			Total Past			Current			Total Loans			Total Loans >
		Past Due			Past Due						Due						Receivable			90 Days and
																				Accruing
		(In Thousands)
	Real estate - residential mortgage:
	One to four family units	$	246		$	337		$	-		$	583		$	93,215		$	93,798		$	-
	Multi-family		-			-			-			-			46,188			46,188			-
	Real estate - construction		-			-			536			536			42,730			43,266			-
	Real estate - commercial		-			-			2,604			2,604			176,476			179,080			-
	Commercial loans		-			2			3,628			3,630			89,092			92,722			-
	Consumer and other loans		19			-			63			82			17,221			17,303			-
	Total	$	265		$	339		$	6,831		$	7,435		$	464,922		$	472,357		$	-
	Nonaccruing loans are summarized as follows:
		September 30,			December 31,
		2014			2013
	Real estate - residential mortgage:
	One to four family units	$	949,961		$	815,746
	Multi-family		413,396			-
	Real estate - construction		3,380,896			4,529,410
	Real estate - commercial		473,218			3,663,166
	Commercial loans		348,254			6,776,230
	Consumer and other loans		38,127			63,027
	Total	$	5,603,852		$	15,847,579
	The following tables present the activity in the allowance for loan losses based on portfolio segment for the three and nine months ended September 30, 2014 and 2013:
	Three months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
	30-Sep-14				Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Balance, beginning of period	$	1,879		$	2,284		$	1,014		$	146		$	1,244		$	221		$	-		$	6,788
	Provision charged to expense		(244	)		(418	)		(84	)		(30	)		1,135			(4	)		95		$	450
	Losses charged off		-			-			(27	)		-			(792	)		(16	)		-		$	(835	)
	Recoveries		1			99			3			-			22			10			-		$	135
Balance, end of period	$	1,636		$	1,965		$	906		$	116		$	1,609		$	211		$	95		$	6,538
Nine months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
30-Sep-14				Real Estate												and Other
	(In Thousands)
Allowance for loan losses:
Balance, beginning of period	$	2,387		$	2,059		$	997		$	209		$	1,519		$	272		$	359		$	7,802
Provision charged to expense		(548	)		(184	)		30			(93	)		2,049			(15	)		(264	)	$	975
Losses charged off		(207	)		(9	)		(127	)		-			(2,014	)		(84	)		-		$	(2,441	)
Recoveries		4			99			6			-			55			38			-		$	202
Balance, end of period	$	1,636		$	1,965		$	906		$	116		$	1,609		$	211		$	95		$	6,538
Three months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
30-Sep-13				Real Estate												and Other
	(In Thousands)
Allowance for loan losses:
Balance, beginning of period	$	1,999		$	2,026		$	1,229		$	291		$	2,065		$	267		$	500		$	8,377
Provision charged to expense		571			(24	)		(178	)		(71	)		(189	)		(52	)		143		$	200
Losses charged off		(117	)		-			(6	)		-			-			(17	)		-		$	(140	)
Recoveries		5			-			5			-			8			18			-		$	36
Balance, end of period	$	2,458		$	2,002		$	1,050		$	220		$	1,884		$	216		$	643		$	8,473
Nine months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
30-Sep-13				Real Estate												and Other
	(In Thousands)
Allowance for loan losses:
Balance, beginning of period	$	2,525		$	2,517		$	1,316		$	284		$	1,689		$	255		$	154		$	8,740
Provision charged to expense		445			(329	)		(138	)		(64	)		462			(15	)		489		$	850
Losses charged off		(555	)		(186	)		(140	)		-			(373	)		(70	)		-		$	(1,324	)
Recoveries		43			-			12			-			106			46			-		$	207
Balance, end of period	$	2,458		$	2,002		$	1,050		$	220		$	1,884		$	216		$	643		$	8,473
The following tables present the recorded investment in loans based on portfolio segment and impairment method as of September 30, 2014 and December 31, 2013:
As of September 30, 2014	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
				Real Estate												and Other
	(In Thousands)
Allowance for loan losses:
Ending balance: individually evaluated for impairment	$	574		$	185		$	48		$	-		$	-		$	26		$	-		$	833
Ending balance: collectively evaluated for impairment	$	1,062		$	1,780		$	858		$	116		$	1,609		$	185		$	95		$	5,705
Loans:
Ending balance: individually evaluated for impairment	$	3,378		$	473		$	888		$	413		$	1,085		$	1,024		$	-		$	7,261
Ending balance: collectively evaluated for impairment	$	35,976		$	201,351		$	96,736		$	30,803		$	85,008		$	16,129		$	-		$	466,003
31-Dec-13	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
				Real Estate												and Other
	(In Thousands)
Allowance for loan losses:
Ending balance: individually evaluated for impairment	$	890		$	-		$	8		$	-		$	601		$	102		$	-		$	1,601
Ending balance: collectively evaluated for impairment	$	1,497		$	2,059		$	989		$	209		$	918		$	170		$	359		$	6,201
Loans:
Ending balance: individually evaluated for impairment	$	4,530		$	3,663		$	886		$	-		$	6,776		$	316		$	-		$	16,171
Ending balance: collectively evaluated for impairment	$	38,736		$	175,417		$	92,912		$	46,188		$	85,946		$	16,987		$	-		$	456,186
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 uncollectibility 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 collectibility 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 Bank’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 Bank 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 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.
Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans.
The following table summarizes the recorded investment in impaired loans at September 30, 2014 and December 31, 2013:
	30-Sep-14									31-Dec-13
	Recorded			Unpaid			Specific			Recorded			Unpaid			Specific
	Balance			Principal			Allowance			Balance			Principal			Allowance
				Balance									Balance
	(In Thousands)
Loans without a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	642		$	642		$	-		$	620		$	620		$	-
Multi-family		413			413			-			-			-			-
Real estate - construction		74			74			-			96			940			-
Real estate - commercial		-			-			-			3,663			3,663			-
Commercial loans		1,085			1,388			-			2,327			2,462			-
Consumer and other loans		-			-			-			-			-			-
Loans with a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	308		$	308		$	48		$	267		$	267		$	8
Multi-family		-			-			-			-			-			-
Real estate - construction		3,307			4,358			574			4,433			4,433			890
Real estate - commercial		473			473			185			-			-			-
Commercial loans		-			-			-			4,449			5,148			601
Consumer and other loans		115			115			26			316			316			102
Total
Real estate - residential mortgage:
One to four family units	$	950		$	950		$	48		$	887		$	887		$	8
Multi-family		413			413			-			-			-			-
Real estate - construction		3,381			4,432			574			4,529			5,373			890
Real estate - commercial		473			473			185			3,663			3,663			-
Commercial loans		1,085			1,388			-			6,776			7,610			601
Consumer and other loans		115			115			26			316			316			102
Total	$	6,417		$	7,771		$	833		$	16,171		$	17,849		$	1,601
The following table summarizes average impaired loans and related interest recognized on impaired loans for the three and nine months ended September 30, 2014 and 2013:
	For the Nine Months Ended						For the Nine Months Ended
	30-Sep-14						30-Sep-13
	Average			Interest			Average			Interest
	Investment			Income			Investment			Income
	in Impaired			Recognized			in Impaired			Recognized
	Loans						Loans
	(In Thousands)
Loans without a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	710		$	1		$	2,028		$	4
Multi-family		46			-			-			-
Real estate - construction		88			-			4,044			-
Real estate - commercial		272			-			4,458			40
Commercial loans		2,375			196			878			1
Consumer and other loans		-			-			107			-
Loans with a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	333		$	-		$	296		$	-
Multi-family		-			-			-			-
Real estate - construction		3,691			-			1,849			-
Real estate - commercial		434			-			748			-
Commercial loans		1,414			-			2,741			-
Consumer and other loans		277			-			310			-
Total
Real estate - residential mortgage:
One to four family units	$	1,043		$	1		$	2,324		$	4
Multi-family		46			-			-			-
Real estate - construction		3,779			-			5,893			-
Real estate - commercial		706			-			5,206			40
Commercial loans		3,789			196			3,619			1
Consumer and other loans		277			-			417			-
Total	$	9,640		$	197		$	17,459		$	45
	For the Three Months Ended						For the Three Months Ended
	30-Sep-14						30-Sep-13
	Average			Interest			Average			Interest
	Investment			Income			Investment			Income
	in Impaired			Recognized			in Impaired			Recognized
	Loans						Loans
	(In Thousands)
Loans without a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	627		$	-		$	1,782		$	1
Multi-family		138			-			-			-
Real estate - construction		74			-			1,703			-
Real estate - commercial		-			-			5,091			4
Commercial loans		949			98			1,343			-
Consumer and other loans		-			-			123			-
Loans with a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	340		$	-		$	599		$	-
Multi-family		-			-			-			-
Real estate - construction		3,307			-			3,829			-
Real estate - commercial		478			-			-			-
Commercial loans		447			-			2,712			-
Consumer and other loans		79			-			252			-
Total
Real estate - residential mortgage:
One to four family units	$	967		$	-		$	2,381		$	1
Multi-family		138			-			-			-
Real estate - construction		3,381			-			5,532			-
Real estate - commercial		478			-			5,091			4
Commercial loans		1,396			98			4,055			-
Consumer and other loans		79			-			375			-
Total	$	6,439		$	98		$	17,434		$	5
At September 30, 2014, the Bank’s impaired loans shown in the table above included loans that were classified as troubled debt restructurings (“TDR”). The restructuring of a loan is considered a TDR if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession.
In assessing whether or not a borrower is experiencing financial difficulties, the Bank considers information currently available regarding the financial condition of the borrower. This information includes, but is not limited to, whether (i) the debtor is currently in payment default on any of its debt; (ii) a payment default is probable in the foreseeable future without the modification; (iii) the debtor has declared or is in the process of declaring bankruptcy and (iv) the debtor’s projected cash flow is sufficient to satisfy the contractual payments due under the original terms of the loan without a modification.
The Bank considers all aspects of the modification to loan terms to determine whether or not a concession has been granted to the borrower. Key factors considered by the Bank include the debtor’s ability to access funds at a market rate for debt with similar risk characteristics, the significance of the modification relative to unpaid principal balance or collateral value of the debt, and the significance of a delay in the timing of payments relative to the original contractual terms of the loan. The most common concessions granted by the Bank generally include one or more modifications to the terms of the debt, such as (i) a reduction in the interest rate for the remaining life of the debt, (ii) an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, (iii) a reduction on the face amount or maturity amount of the debt as stated in the original loan, (iv) a temporary period of interest-only payments, (v) a reduction in accrued interest, and (vi) an extension of amortization.
The Bank did not have any loans that were newly classified as TDRs for the three months ended September 30, 2014.
The following table presents the carrying balance of TDRs as of September 30, 2014 and December 31, 2013:
	September 30,			December 31,
	2014			2013
Real estate - residential mortgage:
One to four family units	$	510,407		$	519,718
Multi-family		-			-
Real estate - construction		3,380,896			4,507,190
Real estate - commercial		473,218			3,026,931
Commercial loans		854,644			3,699,243
Consumer and other loans		-			-
Total	$	5,219,165		$	11,753,082
The Bank has allocated $801,651 and $1,146,359 of specific reserves to customers whose loan terms have been modified in a TDR as of September 30, 2014 and December 31, 2013, respectively.
There were two commercial TDRs totaling $1,768,081 and one one to four family TDR totaling $282,369 for which there was a payment default within twelve months following the modification during the nine months ending September 30, 2014. There were two one to four family TDRs totaling $330,000 for which there was a payment default within twelve months following the modification during the nine months ending September 30, 2013. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.
As part of the on-going monitoring of the credit quality of the Bank’s loan portfolio, management tracks loans by an internal rating system. All loans are assigned an internal credit quality rating based on an analysis of the borrower’s financial condition. The criteria used to assign quality ratings to extensions of credit that exhibit potential problems or well-defined weaknesses are primarily based upon the degree of risk and the likelihood of orderly repayment, and their effect on the Bank’s safety and soundness. The following are the internally assigned ratings:
Pass: This rating represents loans that have strong asset quality and liquidity along with a multi-year track record of profitability.
Special mention: This rating represents loans that are currently protected but are potentially weak. The credit risk may be relatively minor, yet constitute an increased risk in light of the circumstances surrounding a specific loan.
Substandard: This rating represents loans that show signs of continuing negative financial trends and unprofitability and therefore, is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any.
Doubtful: This rating represents loans that have all the weaknesses of substandard classified loans with the additional characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.
Risk characteristics applicable to each segment of the loan portfolio are described as follows.
Real estate-Residential one to four family: The residential one to four family real estate loans are generally secured by owner-occupied one to four family residences. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers. Credit risk in these loans can be impacted by economic conditions within the Bank’s market areas that might impact either property values or a borrower’s personal income. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
Real estate-Construction: Construction and land development real estate loans are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners. Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Bank until permanent financing is obtained. These loans are considered to be higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions and the availability of long-term financing. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Bank’s market areas.
Real estate-Commercial: Commercial real estate loans typically involve larger principal amounts, and repayment of these loans is generally dependent on the successful operations of the property securing the loan or the business conducted on the property securing the loan. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Bank’s market areas.
Commercial: The commercial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases and expansions. The loans in this category are repaid primarily from the cash flow of a borrower’s principal business operation. Credit risk in these loans is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.
Consumer: The consumer loan portfolio consists of various term and line of credit loans such as automobile loans and loans for other personal purposes. Repayment for these types of loans will come from a borrower’s income sources that are typically independent of the loan purpose. Credit risk is driven by consumer economic factors (such as unemployment and general economic conditions in the Bank’s market area) and the creditworthiness of a borrower.
The following tables provide information about the credit quality of the loan portfolio using the Bank’s internal rating system as of September 30, 2014 and December 31, 2013:
30-Sep-14	Construction			Commercial			One to four			Multi-family			Commercial			Consumer			Total
				Real Estate			family									and Other
	(In Thousands)
Rating:
Pass	$	29,337		$	192,302		$	93,597		$	30,803		$	73,104		$	16,896		$	436,039
Special Mention		6,603			5,537			2,605			-			11,193			-			25,938
Substandard		3,414			3,512			1,422			413			1,796			219			10,776
Doubtful		-			473			-			-			-			38			511
Total	$	39,354		$	201,824		$	97,624		$	31,216		$	86,093		$	17,153		$	473,264
31-Dec-13	Construction			Commercial			One to four			Multi-family			Commercial			Consumer			Total
				Real Estate			family									and Other
	(In Thousands)
Rating:
Pass	$	31,433		$	169,135		$	83,341		$	45,768		$	78,622		$	16,743		$	425,042
Special Mention		7,253			4,721			8,954			420			9,161			107			30,616
Substandard		683			5,224			1,503			-			2,738			453			10,601
Doubtful		3,897			-			-			-			2,201			-			6,098
Total	$	43,266		$	179,080		$	93,798		$	46,188		$	92,722		$	17,303		$	472,357
For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees net of certain direct origination costs, are deferred and amortized as a level yield adjustment over the respective term of the loan.
The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the loan is well-secured and in process of collection. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual 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 nonaccrual 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 and future payments are reasonably assured.

Note_5_Benefit_Plans

Note 5 - Benefit Plans	9 Months Ended
	Sep. 30, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	Note 5: Benefit Plans
	The Company has stock-based employee compensation plans, which are described in the Company’s Form 10-K for the year ended December 31, 2013.
	The table below summarizes transactions under the Company’s stock option plans for nine months ended September 30, 2014:
		Number of shares
		Incentive			Non-			Weighted
		Stock Option			Incentive			Average
					Stock			Exercise
					Option			Price
	Balance outstanding as of January 1, 2014		168,100			121,000		$	16.54
	Granted		-			-			-
	Exercised		(25,100	)		(14,500	)		5.33
	Forfeited		(2,700	)		(24,000	)		19.03
	Balance outstanding as of September 30, 2014		140,300			82,500			18.23
	Options exercisable as of September 30, 2014		133,900			79,500			18.81
	Stock-based compensation expense, consisting of stock options and restricted stock awards, recognized for the three months ended September 30, 2014 and 2013 was $29,304 and $31,923, respectively. Stock-based compensation expense recognized for the nine months ended September 30, 2014 and 2013 was $223,520 and $219,199, respectively. As of September 30, 2014, there was $5,631 of unrecognized compensation expense related to nonvested stock options and $196,858 of unrecognized compensation expense related to nonvested restricted stock awards, which will be recognized over the remaining vesting period.
	In February 2014 and January 2013, the Company granted restricted stock to directors pursuant to the 2010 Equity Plan that was fully vested and thus, expensed in full on the date of the grants. The amount expensed was $122,538 and $116,032 for 2014 and 2013, respectively, which represents 11,242 shares of common stock at a market price of $10.90 at the date of grant in 2014 and 16,576 shares of common stock at a market price of $7.00 at the date of grant in 2013.
	In February 2014, the company granted 21,820 shares of restricted stock to officers that have a cliff vesting at the end of three years. The expense is being recognized over the applicable vesting period. The amount expensed during the nine months ended September 30, 2014 was $51,817.

Note_6_Income_Per_Common_Share

Note 6 - Income Per Common Share	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	Note 6: Income Per Common Share
		For three months ended September 30, 2014						For nine months ended September 30, 2014
		Income Available to		Common		Per		Income Available to		Common		Per
		Common		Shares		Common		Common		Shares		Common
		Shareholders		Outstanding		Share		Shareholders		Outstanding		Share
	Basic Income Per Common Share	$	1,360,483		4,278,733	$	0.32	$	3,643,382		3,907,490	$	0.93
	Effect of Dilutive Securities				66,301						70,814
	Diluted Income Per Common Share	$	1,360,483		4,345,034	$	0.31	$	3,643,382		3,978,304	$	0.92
		For three months ended September 30, 2013						For nine months ended September 30, 2013
		Income Available to		Average		Per		Income Available to		Average		Per
		Common		Common		Common		Common		Common		Common
		Shareholders		Shares		Share		Shareholders		Shares		Share
				Outstanding						Outstanding
	Basic Income Per Common Share	$	1,147,356		2,732,431	$	0.42	$	3,270,489		2,734,487	$	1.2
	Effect of Dilutive Securities				87,377						78,072
	Diluted Income Per Common Share	$	1,147,356		2,819,808	$	0.41	$	3,270,489		2,812,559	$	1.16
	Stock options to purchase 131,500 of common stock were outstanding during the three and nine months ended September 30, 2014, respectively, and stock options to purchase 155,000 shares of common stock were outstanding during the three and nine months ended September 30, 2013, respectively, but were not included in the computation of diluted income per common share because their exercise prices were greater than the average market price of the common shares.

Note_7_New_Accounting_Pronounc

Note 7 - New Accounting Pronouncements	9 Months Ended
	Sep. 30, 2014
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	'
	Note 7: New Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-01 to amend FASB ASC Topic 323, Investments – Equity Method and Joint Ventures. The objective of this update is to provide guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for the low-income housing tax credit. The amendments in the update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). The update will be effective for the Company beginning January 1, 2015; however, early adoption is permitted. The Company does have significant investments in such qualified affordable housing projects and is currently reviewing the provisions of this update to determine what, if any, impacts it may have on the Company’s financial position or results of operations. The Company expects that there will be no material impact on the Company’s financial position or results of operations, except that the investment amortization expense which is currently included in Other Non-interest Expense in the Consolidated Statements of Income would be removed from Other Non-interest Expense and included in Provision for Income Taxes in the Consolidated Statements of Income. This would have the effect of reducing Non-interest Expense and increasing Provision for Income Taxes, but is not expected to have any impact on Net Income.
	In January 2014, the FASB issued ASU No. 2014-04 to amend FASB ASC Topic 310, Receivables – Troubled Debt Restructurings by Creditors. The objective of the amendments in this update is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The amendments in this update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The update will be effective for the Company beginning January 1, 2015, and is not expected to have a material impact on the Company’s financial position or results of operations.
	In June 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606). This ASU provides a framework that replaces the existing revenue recognition guidance and is effective for annual periods and interim periods within that reporting period beginning after December 15, 2016, for public entities. Early adoption is not permitted. The Company does not expect the adoption of ASU 2014-09 to have a material impact on its consolidated financial statements.
	In June 2014, the FASB issued ASU No, 2014-11, Transfers and Servicing (Topic 860) Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. This ASU changes the accounting for repurchase-to-maturity transactions to secured borrowing accounting. Additionally, for repurchase financing arrangements, the amendments of this ASU require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. The requirements are effective for public entities for the first interim or annual period beginning after December 15, 2014. The disclosure of certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as securities borrowings is required to be presented for annual periods beginning after December 15, 2014. The Company’s adoption of ASU No. 2014-01 is not expected to have a significant impact on its consolidated financial statements.

Note_8_Disclosures_about_Fair_

Note 8 - Disclosures about Fair Value of Assets and Liabilities	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	Note 8: Disclosures about Fair Value of Assets and Liabilities
	ASC Topic 820, Fair Value Measurements, defines fair value as 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. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes 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
	The following is a description of the inputs and valuation methodologies used for assets measured at fair value on a recurring basis and recognized in the accompanying condensed consolidated balance sheets, as well as the general classification of such assets 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. Level 1 securities include equity securities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. For these investments, the inputs used by the pricing service to determine fair value may include one or a combination of observable inputs such as benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bid offers and reference data market research publications and are classified within Level 2 of the valuation hierarchy. Level 2 securities include U.S. government agencies and government sponsored mortgage-backed securities. The Company has no Level 3 securities.
	The following table presents the fair value measurements of assets recognized in the accompanying condensed consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2014 and December 31, 2013 (dollar amounts in thousands):
	30-Sep-14
	Financial assets:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	Equity securities	$	101	$	-		$	-			$	101
	Debt securities:
	U.S. government agencies		-		16,267			-				16,267
	Municipals		-		14,366			-				14,366
	Government sponsored mortgage-backed securities		-		65,981			-				65,981
	Available-for-sale securities	$	101	$	96,614		$	-			$	96,715
	31-Dec-13
	Financial assets:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	Equity securities	$	99	$	-		$	-			$	99
	Debt securities:
	U.S. government agencies		-		31,762			-				31,762
	Municipals		-		13,493			-				13,493
	Corporate Bonds		-		994			-				994
	Government sponsored mortgage-backed securities		-		51,345			-				51,345
	Available-for-sale securities	$	99	$	97,594		$	-			$	97,693
	The following is a description of the valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy.
	Foreclosed Assets Held for Sale:   Fair value is estimated using recent appraisals, comparable sales and other estimates of value obtained principally from independent sources, adjusted for selling costs. Foreclosed assets held for sale are classified within Level 3 of the valuation hierarchy.
	Impaired loans (Collateral Dependent):   Loans for which it is probable that the Company will not collect all principal and interest due according to contractual terms are measured for impairment. Allowable methods for determining the amount of impairment include estimating fair value using the fair value of the collateral for collateral dependent loans.
	If the impaired loan is identified as collateral dependent, then the fair value method of measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal of the collateral and applying a discount factor to the value. Impaired loans that are collateral dependent are classified within Level 3 of the fair value hierarchy when impairment is determined using the fair value method.
	The following table presents the fair value measurement 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 September 30, 2014 and December 31, 2013 (dollar amounts in thousands):
	Impaired loans:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	30-Sep-14	$	-	$	-		$	5,067			$	5,067
	31-Dec-13	$	-	$	-		$	10,305			$	10,305
	Foreclosed assets held for sale:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	30-Sep-14	$	-	$	-		$	-			$	-
	31-Dec-13	$	-	$	-		$	2,340			$	2,340
	There were no transfers between valuation levels for any asset during the nine months ended September 30, 2014 or 2013. If valuation techniques are deemed necessary, the Company considers those transfers to occur at the end of the period when the assets are valued.
	The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurement (dollar amounts in thousands):
		Fair Value		Valuation Technique		Unobservable Input	Range
		30-Sep-14					(Weighted Average)
	Impaired loans (collateral dependent)	$	5,067	Market Comparable		Discount to reflect realizable value		0%-44	%	(14	%)
	Impaired loans	$	-	Discounted cash flow		Discount rate		0	%
	Foreclosed assets held for sale	$	-	Market Comparable		Discount to reflect realizable value		0	%
	The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying condensed consolidated balance sheets at amounts other than fair value.
	Cash and cash equivalents, interest-bearing deposits and Federal Home Loan Bank stock
	The carrying amounts reported in the condensed consolidated balance sheets approximate those assets' fair value.
	Held-to-maturity securities
	Fair value is based on quoted market prices, if available. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities.
	Loans
	The fair value of loans is estimated by discounting the future cash flows using the market 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. The carrying amount of accrued interest approximates its fair value.
	Deposits
	Deposits include demand deposits, savings accounts, NOW accounts and certain money market deposits. The carrying amount approximates fair value. The fair value of fixed-maturity certificates of deposit is estimated by discounting the future cash flows using rates currently offered for deposits of similar remaining maturities.
	Federal Home Loan Bank advances and securities sold under agreements to repurchase
	The fair value of advances and securities sold under agreements to repurchase is estimated by using rates on debt with similar terms and remaining maturities.
	Subordinated debentures
	For these variable rate instruments, the carrying amount is a reasonable estimate of fair value. There is currently a limited market for similar debt instruments and the Company has the option to call the subordinated debentures at an amount close to its par value.
	Interest payable
	The carrying amount approximates fair value.
	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 credit worthiness 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 value of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date.
The following tables present estimated fair values of the Company’s financial instruments at September 30, 2014 and December 31, 2013.
	30-Sep-14
	Carrying		Fair Value			Hierarchy
	Amount					Level
Financial assets:
Cash and cash equivalents	$	11,122,612	$	11,122,612			1
Held-to-maturity securities		65,352		67,094			2
Federal Home Loan Bank stock		3,108,900		3,108,900			2
Mortgage loans held for sale		69,132		69,132			2
Loans, net		466,530,432		466,944,109			3
Interest receivable		1,669,005		1,669,005			2
Financial liabilities:
Deposits		471,250,671		462,054,468			2
Federal Home Loan Bank and Federal Reserve Bank advances		59,150,000		61,310,921			2
Securities sold under agreements to repurchase		10,000,000		10,524,690			2
Subordinated debentures		15,465,000		15,465,000			3
Interest payable		241,932		241,932			2
Unrecognized financial instruments (net of contractual value):
Commitments to extend credit		-		-			-
Unused lines of credit		-		-			-
	31-Dec-13
	Carrying		Fair Value			Hierarchy
	Amount					Level
Financial assets:
Cash and cash equivalents	$	12,303,200	$	12,303,200			1
Held-to-maturity securities		79,162		81,089			2
Federal Home Loan Bank stock		2,885,100		2,885,100			2
Mortgage loans held for sale		623,432		623,432			2
Loans, net		464,379,854		466,057,001			3
Interest receivable		1,852,641		1,852,641			2
Financial liabilities:
Deposits		487,318,939		476,503,513			2
Federal Home Loan Bank and Federal Reserve Bank advances		55,350,000		57,185,083			2
Securities sold under agreements to repurchase		10,000,000		7,978,555			2
Subordinated debentures		15,465,000		15,465,000			3
Interest payable		250,361		250,361			2
Unrecognized financial instruments (net of contractual value):
Commitments to extend credit		-		-			-
Unused lines of credit		-		-			-

Note_9_Preferred_Stock_and_Com

Note 9 - Preferred Stock and Common Stock Warrants	9 Months Ended
	Sep. 30, 2014
Note 9 - Preferred Stock and Common Stock Warrants [Line Items]	'
Stockholders' Equity Note Disclosure [Text Block]	'
	Note 9: Preferred Stock and Common Stock Warrants
	On January 30, 2009, as part of the U.S. Department of the Treasury's Troubled Asset Relief Program's Capital Purchase Program (“CPP”), the Company entered into a Securities Purchase Agreement - Standard Terms with the United States Department of the Treasury (the "Treasury") pursuant to which the Company sold to the Treasury 17,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A (the "Series A Preferred Stock") and issued a ten year warrant (the "Warrant") to purchase 459,459 shares of the Company's common stock (the "Common Stock") for $5.55 per share for a total purchase price of $17.0 million.
	On June 13, 2012, with regulatory approval, the Company redeemed $5 million of the Series A Preferred Stock, including accrued and unpaid dividends of $19,444.
	The Company entered into a Placement Agency Agreement with the Treasury on April 15, 2013 in connection with a private auction by the Treasury of the remaining 12,000 shares of Series A Preferred Stock conducted immediately thereafter. On April 29, 2013, the Treasury settled the sale of such shares of Series A Preferred Stock to the winning bidders in the private auction, consisting of six parties unrelated to the Company.
	On May 8, 2013, the Company notified the Treasury of its intent to repurchase the Warrant at its fair market value. The Board of Directors of the Company had previously determined that it would be in the best interest of the Company and its stockholders to repurchase the Warrant and determined the Warrant’s fair market value to be $2,003,250 (the “Fair Market Value”). On May 10, 2013, the Treasury notified the Company that it had accepted the Company’s offer to repurchase the Warrant at its Fair Market Value. Accordingly, on May 15, 2013, the Company entered into a Letter Agreement with Treasury pursuant to which the Company repurchased the Warrant for $2,003,250 in cash. As a result of the aforementioned, the Warrant is no longer issued or outstanding and the Company’s participation in the CPP is completed. In addition, as a result of the Treasury’s sale of the Series A Preferred stock to third-party investors on April 29, 2013, the Treasury no longer possessed any securities issued by the Company.
	On April 3, 2014, the Company received approval from the Board of Governors of the Federal Reserve System to redeem the Company’s remaining $12 million of Series A Preferred Stock that carried a coupon rate of 9.0% per annum. The Company provided the holders of the Series A Preferred Stock with a formal notice of redemption and thirty days thereafter redeemed the Series A Preferred Stock on May 7, 2014, including all accrued and unpaid dividends.
Common Stock [Member]	'
Note 9 - Preferred Stock and Common Stock Warrants [Line Items]	'
Stockholders' Equity Note Disclosure [Text Block]	'
	Note 10: Common Stock Offering
	On March 7, 2014, the Company closed an underwritten offering of its common stock. The Company raised approximately $17.2 million in gross proceeds by selling 1,499,999 shares of its Treasury Stock, which includes the full exercise of the over-allotment option granted to the underwriters of 195,652 shares, at a price to the public of $11.50 per share.
	Net proceeds from the sale of the shares after underwriting discounts and estimated offering expenses were approximately $15.8 million. The Company used the net proceeds from the offering to redeem the remaining 12,000 shares of the Company’s Series A Preferred Stock on May 7, 2014 and intends to use the remaining net proceeds for working capital and for general corporate purposes, including potential future acquisitions.

Note_3_Securities_Tables

Note 3 - Securities (Tables)	9 Months Ended
	Sep. 30, 2014
Note 3 - Securities (Tables) [Line Items]	'
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	'
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of September 30, 2014
	Equity Securities	$	102,212	$	13,977		$	(15,298	)	$	100,891
	Debt Securities:
	U. S. government agencies		16,860,032		-			(593,261	)		16,266,771
	Municipals		14,348,081		148,064			(129,926	)		14,366,219
	Government sponsored mortgage-backed securities		66,965,907		252,102			(1,236,401	)		65,981,608
		$	98,276,232	$	414,143		$	(1,974,886	)	$	96,715,489
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of December 31, 2013
	Equity Securities	$	102,212	$	16,007		$	(18,913	)	$	99,306
	Debt Securities:
	U. S. government agencies		33,198,865		-			(1,437,478	)		31,761,387
	Municipals		14,133,821		18,827			(660,021	)		13,492,627
	Corporates		990,663		3,609			-			994,272
	Government sponsored mortgage-backed securities		53,245,297		265,038			(2,165,242	)		51,345,093
		$	101,670,858	$	303,481		$	(4,281,654	)	$	97,692,685
Available-for-sale Securities [Table Text Block]	'
		Amortized Cost		Approximate Fair
				Value
	1-5 years	$	8,513,565	$	8,322,947
	6-10 years		14,973,074		14,533,744
	After 10 years		7,721,474		7,776,299
	Government sponsored mortgage-backed securities not due on a single maturity date		66,965,907		65,981,608
		$	98,174,020	$	96,614,598
Held-to-maturity Securities [Table Text Block]	'
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of September 30, 2014
	Debt Securities:
	Government sponsored mortgage-backed securities	$	65,352	$	1,742		$	-		$	67,094
		Amortized Cost		Gross			Gross			Approximate
				Unrealized Gains			Unrealized			Fair Value
							(Losses)
	As of December 31, 2013
	Debt Securities:
	Government sponsored mortgage-backed securities	$	79,162	$	1,927		$	-		$	81,089
Schedule of Unrealized Loss on Investments [Table Text Block]	'
		30-Sep-14
		Less than 12 Months					12 Months or More						Total
	Description of Securities	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	Equity Securities	$	-	$	-		$	32,629		$	(15,298	)	$	32,629	$	(15,298	)
	U. S. government agencies		-		-			16,266,771			(593,261	)		16,266,771		(593,261	)
	Municipals		1,560,280		(3,087	)		6,485,567			(126,839	)		8,045,847		(129,926	)
	Government sponsored mortgage-backed securities		11,213,100		(66,485	)		33,770,891			(1,169,916	)		44,983,991		(1,236,401	)
		$	12,773,380	$	(69,572	)	$	56,555,858		$	(1,905,314	)	$	69,329,238	$	(1,974,886	)
		31-Dec-13
		Less than 12 Months					12 Months or More						Total
	Description of Securities	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	Equity Securities	$	-	$	-		$	29,014		$	(18,913	)	$	29,014	$	(18,913	)
	U. S. government agencies		24,731,730		(916,208	)		7,029,657			(521,270	)		31,761,387		(1,437,478	)
	Municipals		10,460,662		(534,440	)		1,701,215			(125,581	)		12,161,877		(660,021	)
	Government sponsored mortgage-backed securities		32,074,646		(1,655,296	)		9,685,143			(509,946	)		41,759,789		(2,165,242	)
		$	67,267,038	$	(3,105,944	)	$	18,445,029		$	(1,175,710	)	$	85,712,067	$	(4,281,654	)
Held to Maturity Maturities [Member]	'
Note 3 - Securities (Tables) [Line Items]	'
Held-to-maturity Securities [Table Text Block]	'
		Amortized Cost		Approximate Fair
				Value
	Government sponsored mortgage-backed securities not due on a single maturity date	$	65,352	$	67,094

Note_4_Loans_and_Allowance_for1

Note 4 - Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2014
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
		September 30,			December 31,
		2014			2013
	Real estate - residential mortgage:
	One to four family units	$	97,624,021		$	93,797,650
	Multi-family		31,215,812			46,188,434
	Real estate - construction		39,354,340			43,266,130
	Real estate - commercial		201,823,638			179,079,433
	Commercial loans		86,093,439			92,721,783
	Consumer and other loans		17,152,679			17,303,392
	Total loans		473,263,929			472,356,822
	Less:
	Allowance for loan losses		(6,537,697	)		(7,801,600	)
	Deferred loan fees/costs, net		(195,800	)		(175,368	)
	Net loans	$	466,530,432		$	464,379,854
Past Due Financing Receivables [Table Text Block]	'
	As of September 30, 2014
		30-59 Days			60-89 Days			90 Days and more Past Due			Total Past			Current			Total Loans			Total Loans >
		Past Due			Past Due						Due						Receivable			90 Days and
																				Accruing
		(In Thousands)
	Real estate - residential mortgage:
	One to four family units	$	751		$	239		$	353		$	1,343		$	96,281		$	97,624		$	-
	Multi-family		413			-			-			413			30,803			31,216			-
	Real estate - construction		-			-			-			-			39,354			39,354			-
	Real estate - commercial		-			-			-			-			201,824			201,824			-
	Commercial loans		510			-			230			740			85,353			86,093			-
	Consumer and other loans		23			15			38			76			17,077			17,153			-
	Total	$	1,697		$	254		$	621		$	2,572		$	470,692		$	473,264		$	-
	As of December 31, 2013
		30-59 Days			60-89 Days			90 Days and more Past Due			Total Past			Current			Total Loans			Total Loans >
		Past Due			Past Due						Due						Receivable			90 Days and
																				Accruing
		(In Thousands)
	Real estate - residential mortgage:
	One to four family units	$	246		$	337		$	-		$	583		$	93,215		$	93,798		$	-
	Multi-family		-			-			-			-			46,188			46,188			-
	Real estate - construction		-			-			536			536			42,730			43,266			-
	Real estate - commercial		-			-			2,604			2,604			176,476			179,080			-
	Commercial loans		-			2			3,628			3,630			89,092			92,722			-
	Consumer and other loans		19			-			63			82			17,221			17,303			-
	Total	$	265		$	339		$	6,831		$	7,435		$	464,922		$	472,357		$	-
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
		September 30,			December 31,
		2014			2013
	Real estate - residential mortgage:
	One to four family units	$	949,961		$	815,746
	Multi-family		413,396			-
	Real estate - construction		3,380,896			4,529,410
	Real estate - commercial		473,218			3,663,166
	Commercial loans		348,254			6,776,230
	Consumer and other loans		38,127			63,027
	Total	$	5,603,852		$	15,847,579
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	Three months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
	30-Sep-14				Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Balance, beginning of period	$	1,879		$	2,284		$	1,014		$	146		$	1,244		$	221		$	-		$	6,788
	Provision charged to expense		(244	)		(418	)		(84	)		(30	)		1,135			(4	)		95		$	450
	Losses charged off		-			-			(27	)		-			(792	)		(16	)		-		$	(835	)
	Recoveries		1			99			3			-			22			10			-		$	135
	Balance, end of period	$	1,636		$	1,965		$	906		$	116		$	1,609		$	211		$	95		$	6,538
	Nine months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
	30-Sep-14				Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Balance, beginning of period	$	2,387		$	2,059		$	997		$	209		$	1,519		$	272		$	359		$	7,802
	Provision charged to expense		(548	)		(184	)		30			(93	)		2,049			(15	)		(264	)	$	975
	Losses charged off		(207	)		(9	)		(127	)		-			(2,014	)		(84	)		-		$	(2,441	)
	Recoveries		4			99			6			-			55			38			-		$	202
	Balance, end of period	$	1,636		$	1,965		$	906		$	116		$	1,609		$	211		$	95		$	6,538
	Three months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
	30-Sep-13				Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Balance, beginning of period	$	1,999		$	2,026		$	1,229		$	291		$	2,065		$	267		$	500		$	8,377
	Provision charged to expense		571			(24	)		(178	)		(71	)		(189	)		(52	)		143		$	200
	Losses charged off		(117	)		-			(6	)		-			-			(17	)		-		$	(140	)
	Recoveries		5			-			5			-			8			18			-		$	36
	Balance, end of period	$	2,458		$	2,002		$	1,050		$	220		$	1,884		$	216		$	643		$	8,473
	Nine months ended	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
	30-Sep-13				Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Balance, beginning of period	$	2,525		$	2,517		$	1,316		$	284		$	1,689		$	255		$	154		$	8,740
	Provision charged to expense		445			(329	)		(138	)		(64	)		462			(15	)		489		$	850
	Losses charged off		(555	)		(186	)		(140	)		-			(373	)		(70	)		-		$	(1,324	)
	Recoveries		43			-			12			-			106			46			-		$	207
	Balance, end of period	$	2,458		$	2,002		$	1,050		$	220		$	1,884		$	216		$	643		$	8,473
	As of September 30, 2014	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
					Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment	$	574		$	185		$	48		$	-		$	-		$	26		$	-		$	833
	Ending balance: collectively evaluated for impairment	$	1,062		$	1,780		$	858		$	116		$	1,609		$	185		$	95		$	5,705
	Loans:
	Ending balance: individually evaluated for impairment	$	3,378		$	473		$	888		$	413		$	1,085		$	1,024		$	-		$	7,261
	Ending balance: collectively evaluated for impairment	$	35,976		$	201,351		$	96,736		$	30,803		$	85,008		$	16,129		$	-		$	466,003
	31-Dec-13	Construction			Commercial			One to four family			Multi-family			Commercial			Consumer			Unallocated			Total
					Real Estate												and Other
		(In Thousands)
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment	$	890		$	-		$	8		$	-		$	601		$	102		$	-		$	1,601
	Ending balance: collectively evaluated for impairment	$	1,497		$	2,059		$	989		$	209		$	918		$	170		$	359		$	6,201
	Loans:
	Ending balance: individually evaluated for impairment	$	4,530		$	3,663		$	886		$	-		$	6,776		$	316		$	-		$	16,171
	Ending balance: collectively evaluated for impairment	$	38,736		$	175,417		$	92,912		$	46,188		$	85,946		$	16,987		$	-		$	456,186
Impaired Financing Receivables [Table Text Block]	'
		30-Sep-14									31-Dec-13
		Recorded			Unpaid			Specific			Recorded			Unpaid			Specific
		Balance			Principal			Allowance			Balance			Principal			Allowance
					Balance									Balance
		(In Thousands)
	Loans without a specific valuation allowance
	Real estate - residential mortgage:
	One to four family units	$	642		$	642		$	-		$	620		$	620		$	-
	Multi-family		413			413			-			-			-			-
	Real estate - construction		74			74			-			96			940			-
	Real estate - commercial		-			-			-			3,663			3,663			-
	Commercial loans		1,085			1,388			-			2,327			2,462			-
	Consumer and other loans		-			-			-			-			-			-
	Loans with a specific valuation allowance
	Real estate - residential mortgage:
	One to four family units	$	308		$	308		$	48		$	267		$	267		$	8
	Multi-family		-			-			-			-			-			-
	Real estate - construction		3,307			4,358			574			4,433			4,433			890
	Real estate - commercial		473			473			185			-			-			-
	Commercial loans		-			-			-			4,449			5,148			601
	Consumer and other loans		115			115			26			316			316			102
	Total
	Real estate - residential mortgage:
	One to four family units	$	950		$	950		$	48		$	887		$	887		$	8
	Multi-family		413			413			-			-			-			-
	Real estate - construction		3,381			4,432			574			4,529			5,373			890
	Real estate - commercial		473			473			185			3,663			3,663			-
	Commercial loans		1,085			1,388			-			6,776			7,610			601
	Consumer and other loans		115			115			26			316			316			102
	Total	$	6,417		$	7,771		$	833		$	16,171		$	17,849		$	1,601
		For the Nine Months Ended						For the Nine Months Ended
		30-Sep-14						30-Sep-13
		Average			Interest			Average			Interest
		Investment			Income			Investment			Income
		in Impaired			Recognized			in Impaired			Recognized
		Loans						Loans
		(In Thousands)
	Loans without a specific valuation allowance
	Real estate - residential mortgage:
	One to four family units	$	710		$	1		$	2,028		$	4
	Multi-family		46			-			-			-
	Real estate - construction		88			-			4,044			-
	Real estate - commercial		272			-			4,458			40
	Commercial loans		2,375			196			878			1
	Consumer and other loans		-			-			107			-
	Loans with a specific valuation allowance
	Real estate - residential mortgage:
	One to four family units	$	333		$	-		$	296		$	-
	Multi-family		-			-			-			-
	Real estate - construction		3,691			-			1,849			-
	Real estate - commercial		434			-			748			-
	Commercial loans		1,414			-			2,741			-
	Consumer and other loans		277			-			310			-
	Total
	Real estate - residential mortgage:
	One to four family units	$	1,043		$	1		$	2,324		$	4
	Multi-family		46			-			-			-
	Real estate - construction		3,779			-			5,893			-
	Real estate - commercial		706			-			5,206			40
	Commercial loans		3,789			196			3,619			1
	Consumer and other loans		277			-			417			-
	Total	$	9,640		$	197		$	17,459		$	45
		For the Three Months Ended						For the Three Months Ended
	30-Sep-14						30-Sep-13
	Average			Interest			Average			Interest
	Investment			Income			Investment			Income
	in Impaired			Recognized			in Impaired			Recognized
	Loans						Loans
	(In Thousands)
Loans without a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	627		$	-		$	1,782		$	1
Multi-family		138			-			-			-
Real estate - construction		74			-			1,703			-
Real estate - commercial		-			-			5,091			4
Commercial loans		949			98			1,343			-
Consumer and other loans		-			-			123			-
Loans with a specific valuation allowance
Real estate - residential mortgage:
One to four family units	$	340		$	-		$	599		$	-
Multi-family		-			-			-			-
Real estate - construction		3,307			-			3,829			-
Real estate - commercial		478			-			-			-
Commercial loans		447			-			2,712			-
Consumer and other loans		79			-			252			-
Total
Real estate - residential mortgage:
One to four family units	$	967		$	-		$	2,381		$	1
Multi-family		138			-			-			-
Real estate - construction		3,381			-			5,532			-
Real estate - commercial		478			-			5,091			4
Commercial loans		1,396			98			4,055			-
Consumer and other loans		79			-			375			-
Total	$	6,439		$	98		$	17,434		$	5
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
		September 30,			December 31,
		2014			2013
	Real estate - residential mortgage:
	One to four family units	$	510,407		$	519,718
	Multi-family		-			-
	Real estate - construction		3,380,896			4,507,190
	Real estate - commercial		473,218			3,026,931
	Commercial loans		854,644			3,699,243
	Consumer and other loans		-			-
	Total	$	5,219,165		$	11,753,082
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	30-Sep-14	Construction			Commercial			One to four			Multi-family			Commercial			Consumer			Total
					Real Estate			family									and Other
		(In Thousands)
	Rating:
	Pass	$	29,337		$	192,302		$	93,597		$	30,803		$	73,104		$	16,896		$	436,039
	Special Mention		6,603			5,537			2,605			-			11,193			-			25,938
	Substandard		3,414			3,512			1,422			413			1,796			219			10,776
	Doubtful		-			473			-			-			-			38			511
	Total	$	39,354		$	201,824		$	97,624		$	31,216		$	86,093		$	17,153		$	473,264
	31-Dec-13	Construction			Commercial			One to four			Multi-family			Commercial			Consumer			Total
					Real Estate			family									and Other
		(In Thousands)
	Rating:
	Pass	$	31,433		$	169,135		$	83,341		$	45,768		$	78,622		$	16,743		$	425,042
	Special Mention		7,253			4,721			8,954			420			9,161			107			30,616
	Substandard		683			5,224			1,503			-			2,738			453			10,601
	Doubtful		3,897			-			-			-			2,201			-			6,098
	Total	$	43,266		$	179,080		$	93,798		$	46,188		$	92,722		$	17,303		$	472,357

Note_5_Benefit_Plans_Tables

Note 5 - Benefit Plans (Tables)	9 Months Ended
	Sep. 30, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	'
		Number of shares
		Incentive			Non-			Weighted
		Stock Option			Incentive			Average
					Stock			Exercise
					Option			Price
	Balance outstanding as of January 1, 2014		168,100			121,000		$	16.54
	Granted		-			-			-
	Exercised		(25,100	)		(14,500	)		5.33
	Forfeited		(2,700	)		(24,000	)		19.03
	Balance outstanding as of September 30, 2014		140,300			82,500			18.23
	Options exercisable as of September 30, 2014		133,900			79,500			18.81

Note_6_Income_Per_Common_Share1

Note 6 - Income Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
		For three months ended September 30, 2014						For nine months ended September 30, 2014
		Income Available to		Common		Per		Income Available to		Common		Per
		Common		Shares		Common		Common		Shares		Common
		Shareholders		Outstanding		Share		Shareholders		Outstanding		Share
	Basic Income Per Common Share	$	1,360,483		4,278,733	$	0.32	$	3,643,382		3,907,490	$	0.93
	Effect of Dilutive Securities				66,301						70,814
	Diluted Income Per Common Share	$	1,360,483		4,345,034	$	0.31	$	3,643,382		3,978,304	$	0.92
		For three months ended September 30, 2013						For nine months ended September 30, 2013
		Income Available to		Average		Per		Income Available to		Average		Per
		Common		Common		Common		Common		Common		Common
		Shareholders		Shares		Share		Shareholders		Shares		Share
				Outstanding						Outstanding
	Basic Income Per Common Share	$	1,147,356		2,732,431	$	0.42	$	3,270,489		2,734,487	$	1.2
	Effect of Dilutive Securities				87,377						78,072
	Diluted Income Per Common Share	$	1,147,356		2,819,808	$	0.41	$	3,270,489		2,812,559	$	1.16

Note_8_Disclosures_about_Fair_1

Note 8 - Disclosures about Fair Value of Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	30-Sep-14
	Financial assets:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	Equity securities	$	101	$	-		$	-			$	101
	Debt securities:
	U.S. government agencies		-		16,267			-				16,267
	Municipals		-		14,366			-				14,366
	Government sponsored mortgage-backed securities		-		65,981			-				65,981
	Available-for-sale securities	$	101	$	96,614		$	-			$	96,715
	31-Dec-13
	Financial assets:
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	Equity securities	$	99	$	-		$	-			$	99
	Debt securities:
	U.S. government agencies		-		31,762			-				31,762
	Municipals		-		13,493			-				13,493
	Corporate Bonds		-		994			-				994
	Government sponsored mortgage-backed securities		-		51,345			-				51,345
	Available-for-sale securities	$	99	$	97,594		$	-			$	97,693
Fair Value Measurements, Nonrecurring [Table Text Block]	'
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	30-Sep-14	$	-	$	-		$	5,067			$	5,067
	31-Dec-13	$	-	$	-		$	10,305			$	10,305
		Level 1 inputs		Level 2 inputs			Level 3 inputs				Total fair value
	30-Sep-14	$	-	$	-		$	-			$	-
	31-Dec-13	$	-	$	-		$	2,340			$	2,340
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	'
		Fair Value		Valuation Technique		Unobservable Input	Range
		30-Sep-14					(Weighted Average)
	Impaired loans (collateral dependent)	$	5,067	Market Comparable		Discount to reflect realizable value		0%-44	%	(14	%)
	Impaired loans	$	-	Discounted cash flow		Discount rate		0	%
	Foreclosed assets held for sale	$	-	Market Comparable		Discount to reflect realizable value		0	%
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
		30-Sep-14
		Carrying		Fair Value			Hierarchy
		Amount					Level
	Financial assets:
	Cash and cash equivalents	$	11,122,612	$	11,122,612			1
	Held-to-maturity securities		65,352		67,094			2
	Federal Home Loan Bank stock		3,108,900		3,108,900			2
	Mortgage loans held for sale		69,132		69,132			2
	Loans, net		466,530,432		466,944,109			3
	Interest receivable		1,669,005		1,669,005			2
	Financial liabilities:
	Deposits		471,250,671		462,054,468			2
	Federal Home Loan Bank and Federal Reserve Bank advances		59,150,000		61,310,921			2
	Securities sold under agreements to repurchase		10,000,000		10,524,690			2
	Subordinated debentures		15,465,000		15,465,000			3
	Interest payable		241,932		241,932			2
	Unrecognized financial instruments (net of contractual value):
	Commitments to extend credit		-		-			-
	Unused lines of credit		-		-			-
		31-Dec-13
		Carrying		Fair Value			Hierarchy
		Amount					Level
	Financial assets:
	Cash and cash equivalents	$	12,303,200	$	12,303,200			1
	Held-to-maturity securities		79,162		81,089			2
	Federal Home Loan Bank stock		2,885,100		2,885,100			2
	Mortgage loans held for sale		623,432		623,432			2
	Loans, net		464,379,854		466,057,001			3
	Interest receivable		1,852,641		1,852,641			2
	Financial liabilities:
	Deposits		487,318,939		476,503,513			2
	Federal Home Loan Bank and Federal Reserve Bank advances		55,350,000		57,185,083			2
	Securities sold under agreements to repurchase		10,000,000		7,978,555			2
	Subordinated debentures		15,465,000		15,465,000			3
	Interest payable		250,361		250,361			2
	Unrecognized financial instruments (net of contractual value):
	Commitments to extend credit		-		-			-
	Unused lines of credit		-		-			-

Note_3_Securities_Details

Note 3 - Securities (Details) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'	'	'
Available for Sale Securities Pledged as Collateral, Book Value	$45,982,867	'	$44,717,470
Available-for-sale Securities Pledged as Collateral	44,912,238	'	42,807,840
Available-for-sale Securities, Gross Realized Gains	9,137	219,132	'
Available for Sale Securities Gross Realized Gain (Loss) Tax Effect	3,381	81,079	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$69,329,238	'	$85,712,067
Percentage of Securities in Continuous Unrealized Loss Position to Total Investment Portfolio	72.00%	'	88.00%

Note_3_Securities_Details_Avai

Note 3 - Securities (Details) - Available-for-sale Securities (USD $)	Sep. 30, 2014	Dec. 31, 2013
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	$98,276,232	$101,670,858
Available-for-sale securities, gross unrealized (losses)	-1,974,886	-4,281,654
Available-for-sale securities, approximate fair value	96,715,489	97,692,685
Available-for-sale securities, gross unrealized gains	414,143	303,481
Equity Securities [Member]	'	'
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	102,212	102,212
Available-for-sale securities, gross unrealized (losses)	-15,298	-18,913
Available-for-sale securities, approximate fair value	100,891	99,306
Available-for-sale securities, gross unrealized gains	13,977	16,007
US Government Agencies Debt Securities [Member]	'	'
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	16,860,032	33,198,865
Available-for-sale securities, gross unrealized (losses)	-593,261	-1,437,478
Available-for-sale securities, approximate fair value	16,266,771	31,761,387
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	14,348,081	14,133,821
Available-for-sale securities, gross unrealized (losses)	-129,926	-660,021
Available-for-sale securities, approximate fair value	14,366,219	13,492,627
Available-for-sale securities, gross unrealized gains	148,064	18,827
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	66,965,907	53,245,297
Available-for-sale securities, gross unrealized (losses)	-1,236,401	-2,165,242
Available-for-sale securities, approximate fair value	65,981,608	51,345,093
Available-for-sale securities, gross unrealized gains	252,102	265,038
Corporate Debt Securities [Member]	'	'
Note 3 - Securities (Details) - Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, amortized cost	'	990,663
Available-for-sale securities, approximate fair value	'	994,272
Available-for-sale securities, gross unrealized gains	'	$3,609

Note_3_Securities_Details_Avai1

Note 3 - Securities (Details) - Available-for-sale Securities by Maturity (USD $)	Sep. 30, 2014
Available-for-sale Securities by Maturity [Abstract]	'
1-5 years	$8,513,565
1-5 years	8,322,947
6-10 years	14,973,074
6-10 years	14,533,744
After 10 years	7,721,474
After 10 years	7,776,299
Government sponsored mortgage-backed securities not due on a single maturity date	66,965,907
Government sponsored mortgage-backed securities not due on a single maturity date	65,981,608
	98,174,020
	$96,614,598

Note_3_Securities_Details_Held

Note 3 - Securities (Details) - Held-to-maturity Securities (Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member], USD $)	Sep. 30, 2014	Dec. 31, 2013
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Debt Securities:	'	'
Held-to-maturity securities, amortized cost	$65,352	$79,162
Held-to-maturity securities, gross unrealized gains	1,742	1,927
Held-to-maturity securities, approximate fair value	$67,094	$81,089

Note_3_Securities_Details_Held1

Note 3 - Securities (Details) - Held-to-maturity Securities by Maturity (USD $)	Sep. 30, 2014
Held-to-maturity Securities by Maturity [Abstract]	'
Government sponsored mortgage-backed securities not due on a single maturity date	$65,352
Government sponsored mortgage-backed securities not due on a single maturity date	$67,094

Note_3_Securities_Details_Secu

Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position (USD $)	Sep. 30, 2014	Dec. 31, 2013
Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]	'	'
Securities, continuous unrealized loss position, less than 12 months, fair value	$12,773,380	$67,267,038
Securities, continuous unrealized loss position, less than 12 months, unrealized losses	-69,572	-3,105,944
Securities, continuous unrealized loss position, 12 months or more, fair value	56,555,858	18,445,029
Securities, continuous unrealized loss position, 12 months or more, unrealized losses	-1,905,314	-1,175,710
Securities, continuous unrealized loss position, fair value	69,329,238	85,712,067
Securities, continuous unrealized loss position, unrealized losses	-1,974,886	-4,281,654
Equity Securities [Member]	'	'
Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]	'	'
Securities, continuous unrealized loss position, 12 months or more, fair value	32,629	29,014
Securities, continuous unrealized loss position, 12 months or more, unrealized losses	-15,298	-18,913
Securities, continuous unrealized loss position, fair value	32,629	29,014
Securities, continuous unrealized loss position, unrealized losses	-15,298	-18,913
US Government Agencies Debt Securities [Member]	'	'
Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]	'	'
Securities, continuous unrealized loss position, less than 12 months, fair value	'	24,731,730
Securities, continuous unrealized loss position, less than 12 months, unrealized losses	'	-916,208
Securities, continuous unrealized loss position, 12 months or more, fair value	16,266,771	7,029,657
Securities, continuous unrealized loss position, 12 months or more, unrealized losses	-593,261	-521,270
Securities, continuous unrealized loss position, fair value	16,266,771	31,761,387
Securities, continuous unrealized loss position, unrealized losses	-593,261	-1,437,478
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]	'	'
Securities, continuous unrealized loss position, less than 12 months, fair value	1,560,280	10,460,662
Securities, continuous unrealized loss position, less than 12 months, unrealized losses	-3,087	-534,440
Securities, continuous unrealized loss position, 12 months or more, fair value	6,485,567	1,701,215
Securities, continuous unrealized loss position, 12 months or more, unrealized losses	-126,839	-125,581
Securities, continuous unrealized loss position, fair value	8,045,847	12,161,877
Securities, continuous unrealized loss position, unrealized losses	-129,926	-660,021
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Note 3 - Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]	'	'
Securities, continuous unrealized loss position, less than 12 months, fair value	11,213,100	32,074,646
Securities, continuous unrealized loss position, less than 12 months, unrealized losses	-66,485	-1,655,296
Securities, continuous unrealized loss position, 12 months or more, fair value	33,770,891	9,685,143
Securities, continuous unrealized loss position, 12 months or more, unrealized losses	-1,169,916	-509,946
Securities, continuous unrealized loss position, fair value	44,983,991	41,759,789
Securities, continuous unrealized loss position, unrealized losses	($1,236,401)	($2,165,242)

Note_4_Loans_and_Allowance_for2

Note 4 - Loans and Allowance for Loan Losses (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2013
			Commercial Portfolio Segment [Member]	One to Four Family Units [Member]	One to Four Family Units [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]	'	'	'	'	'
Allowance for Credit Losses, Change in Method of Calculating Impairment	$801,651	$1,146,359	'	'	'
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	'	'	2	1	2
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	'	'	$1,768,081	$282,369	$330,000

Note_4_Loans_and_Allowance_for3

Note 4 - Loans and Allowance for Loan Losses (Details) - Loans by Category (USD $)	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	$473,263,929	'	$472,356,822	'	'	'
Allowance for loan losses	-6,537,697	-6,788,000	-7,801,600	-8,473,000	-8,377,000	-8,740,000
Deferred loan fees/costs, net	-195,800	'	-175,368	'	'	'
Net loans	466,530,432	'	464,379,854	'	'	'
One to Four Family Units [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	97,624,021	'	93,797,650	'	'	'
Multi-Family Units [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	31,215,812	'	46,188,434	'	'	'
Real Estate Construction [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	39,354,340	'	43,266,130	'	'	'
Real Estate Commercial [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	201,823,638	'	179,079,433	'	'	'
Commercial Loans [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	86,093,439	'	92,721,783	'	'	'
Consumer and Other Loans [Member]	'	'	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'	'	'
Loans receivable	$17,152,679	'	$17,303,392	'	'	'

Note_4_Loans_and_Allowance_for4

Note 4 - Loans and Allowance for Loan Losses (Details) - Loans by Aging (USD $)	Sep. 30, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 30-59 days past due	$1,697,000	$265,000
Loans receivable, 60-89 days past due	254,000	339,000
Loans receivable, 90 days and more past due	621,000	6,831,000
Loans receivable, past due	2,572,000	7,435,000
Loans receivable, current	470,692,000	464,922,000
Loans receivable	473,263,929	472,356,822
One to Four Family Units [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 30-59 days past due	751,000	246,000
Loans receivable, 60-89 days past due	239,000	337,000
Loans receivable, 90 days and more past due	353,000	'
Loans receivable, past due	1,343,000	583,000
Loans receivable, current	96,281,000	93,215,000
Loans receivable	97,624,021	93,797,650
Multi-Family Units [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 30-59 days past due	413,000	'
Loans receivable, past due	413,000	'
Loans receivable, current	30,803,000	46,188,000
Loans receivable	31,215,812	46,188,434
Real Estate Construction [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 90 days and more past due	'	536,000
Loans receivable, past due	'	536,000
Loans receivable, current	39,354,000	42,730,000
Loans receivable	39,354,340	43,266,130
Real Estate Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 90 days and more past due	'	2,604,000
Loans receivable, past due	'	2,604,000
Loans receivable, current	201,824,000	176,476,000
Loans receivable	201,823,638	179,079,433
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 30-59 days past due	510,000	'
Loans receivable, 60-89 days past due	'	2,000
Loans receivable, 90 days and more past due	230,000	3,628,000
Loans receivable, past due	740,000	3,630,000
Loans receivable, current	85,353,000	89,092,000
Loans receivable	86,093,439	92,721,783
Consumer and Other Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable, 30-59 days past due	23,000	19,000
Loans receivable, 60-89 days past due	15,000	'
Loans receivable, 90 days and more past due	38,000	63,000
Loans receivable, past due	76,000	82,000
Loans receivable, current	17,077,000	17,221,000
Loans receivable	$17,152,679	$17,303,392

Note_4_Loans_and_Allowance_for5

Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans (USD $)	Sep. 30, 2014	Dec. 31, 2013
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	$5,603,852	$15,847,579
One to Four Family Units [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	949,961	815,746
Multi-Family Units [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	413,396	'
Real Estate Construction [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	3,380,896	4,529,410
Real Estate Commercial [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	473,218	3,663,166
Commercial Loans [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	348,254	6,776,230
Consumer and Other Loans [Member]	'	'
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccruing Loans [Line Items]	'	'
Nonaccruing loans	$38,127	$63,027

Note_4_Loans_and_Allowance_for6

Note 4 - Loans and Allowance for Loan Losses (Details) - Allowance for Loan Losses (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	$6,788,000	$8,377,000	$7,801,600	$8,740,000	'
Allowance for loan losses, end of period	6,537,697	8,473,000	6,537,697	8,473,000	'
Provision charged to expense	450,000	200,000	975,000	850,000	'
Losses charged off	-835,000	-140,000	-2,441,000	-1,324,000	'
Recoveries	135,000	36,000	202,000	207,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	833,000	'	833,000	'	1,601,000
Allowance for loan losses ending balance: collectively evaluated for impairment	5,705,000	'	5,705,000	'	6,201,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	7,261,000	'	7,261,000	'	16,171,000
Loans ending balance: collectively evaluated for impairment	466,003,000	'	466,003,000	'	456,186,000
Construction [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	1,879,000	1,999,000	2,387,000	2,525,000	'
Allowance for loan losses, end of period	1,636,000	2,458,000	1,636,000	2,458,000	'
Provision charged to expense	-244,000	571,000	-548,000	445,000	'
Losses charged off	'	-117,000	-207,000	-555,000	'
Recoveries	1,000	5,000	4,000	43,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	574,000	'	574,000	'	890,000
Allowance for loan losses ending balance: collectively evaluated for impairment	1,062,000	'	1,062,000	'	1,497,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	3,378,000	'	3,378,000	'	4,530,000
Loans ending balance: collectively evaluated for impairment	35,976,000	'	35,976,000	'	38,736,000
Real Estate Commercial [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	2,284,000	2,026,000	2,059,000	2,517,000	'
Allowance for loan losses, end of period	1,965,000	2,002,000	1,965,000	2,002,000	'
Provision charged to expense	-418,000	-24,000	-184,000	-329,000	'
Losses charged off	'	'	-9,000	-186,000	'
Recoveries	99,000	'	99,000	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	185,000	'	185,000	'	'
Allowance for loan losses ending balance: collectively evaluated for impairment	1,780,000	'	1,780,000	'	2,059,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	473,000	'	473,000	'	3,663,000
Loans ending balance: collectively evaluated for impairment	201,351,000	'	201,351,000	'	175,417,000
One to Four Family Units [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	1,014,000	1,229,000	997,000	1,316,000	'
Allowance for loan losses, end of period	906,000	1,050,000	906,000	1,050,000	'
Provision charged to expense	-84,000	-178,000	30,000	-138,000	'
Losses charged off	-27,000	-6,000	-127,000	-140,000	'
Recoveries	3,000	5,000	6,000	12,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	48,000	'	48,000	'	8,000
Allowance for loan losses ending balance: collectively evaluated for impairment	858,000	'	858,000	'	989,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	888,000	'	888,000	'	886,000
Loans ending balance: collectively evaluated for impairment	96,736,000	'	96,736,000	'	92,912,000
Multi-Family Units [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	146,000	291,000	209,000	284,000	'
Allowance for loan losses, end of period	116,000	220,000	116,000	220,000	'
Provision charged to expense	-30,000	-71,000	-93,000	-64,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: collectively evaluated for impairment	116,000	'	116,000	'	209,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	413,000	'	413,000	'	'
Loans ending balance: collectively evaluated for impairment	30,803,000	'	30,803,000	'	46,188,000
Commercial Loans [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	1,244,000	2,065,000	1,519,000	1,689,000	'
Allowance for loan losses, end of period	1,609,000	1,884,000	1,609,000	1,884,000	'
Provision charged to expense	1,135,000	-189,000	2,049,000	462,000	'
Losses charged off	-792,000	'	-2,014,000	-373,000	'
Recoveries	22,000	8,000	55,000	106,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	'	'	'	'	601,000
Allowance for loan losses ending balance: collectively evaluated for impairment	1,609,000	'	1,609,000	'	918,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	1,085,000	'	1,085,000	'	6,776,000
Loans ending balance: collectively evaluated for impairment	85,008,000	'	85,008,000	'	85,946,000
Consumer and Other Loans [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	221,000	267,000	272,000	255,000	'
Allowance for loan losses, end of period	211,000	216,000	211,000	216,000	'
Provision charged to expense	-4,000	-52,000	-15,000	-15,000	'
Losses charged off	-16,000	-17,000	-84,000	-70,000	'
Recoveries	10,000	18,000	38,000	46,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: individually evaluated for impairment	26,000	'	26,000	'	102,000
Allowance for loan losses ending balance: collectively evaluated for impairment	185,000	'	185,000	'	170,000
Loans:	'	'	'	'	'
Loans ending balance: individually evaluated for impairment	1,024,000	'	1,024,000	'	316,000
Loans ending balance: collectively evaluated for impairment	16,129,000	'	16,129,000	'	16,987,000
Unallocated [Member]	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses, beginning of period	'	500,000	359,000	154,000	'
Allowance for loan losses, end of period	95,000	643,000	95,000	643,000	'
Provision charged to expense	95,000	143,000	-264,000	489,000	'
Allowance for loan losses:	'	'	'	'	'
Allowance for loan losses ending balance: collectively evaluated for impairment	$95,000	'	$95,000	'	$359,000

Note_4_Loans_and_Allowance_for7

Note 4 - Loans and Allowance for Loan Losses (Details) - Impaired Loans (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Real estate - residential mortgage:	'	'	'	'	'
Loans, specific valuation allowance	$833	'	$833	'	$1,601
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	6,417	'	6,417	'	16,171
Loans, unpaid principal balance	7,771	'	7,771	'	17,849
Loans, specific valuation allowance	833	'	833	'	1,601
Loans, average investment	6,439	17,434	9,640	17,459	'
Loans, interest income recognized	98	5	197	45	'
One to Four Family Units [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, recorded balance	642	'	642	'	620
Loans without a specific valuation allowance, unpaid principal balance	642	'	642	'	620
Loans without a specific valuation allowance, average investment	627	1,782	710	2,028	'
Loans without a specific valuation allowance, interest income recognized	'	1	1	4	'
Real estate - residential mortgage:	'	'	'	'	'
Loans with a specific valuation allowance, recorded balance	308	'	308	'	267
Loans with a specific valuation allowance, unpaid principal balance	308	'	308	'	267
Loans, specific valuation allowance	48	'	48	'	8
Loans with a specific valuation allowance, average investment	340	599	333	296	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	950	'	950	'	887
Loans, unpaid principal balance	950	'	950	'	887
Loans, specific valuation allowance	48	'	48	'	8
Loans, average investment	967	2,381	1,043	2,324	'
Loans, interest income recognized	'	1	1	4	'
Multi-Family Units [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, recorded balance	413	'	413	'	'
Loans without a specific valuation allowance, unpaid principal balance	413	'	413	'	'
Loans without a specific valuation allowance, average investment	138	'	46	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	413	'	413	'	'
Loans, unpaid principal balance	413	'	413	'	'
Loans, average investment	138	'	46	'	'
Real Estate Construction [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, recorded balance	74	'	74	'	96
Loans without a specific valuation allowance, unpaid principal balance	74	'	74	'	940
Loans without a specific valuation allowance, average investment	74	1,703	88	4,044	'
Real estate - residential mortgage:	'	'	'	'	'
Loans with a specific valuation allowance, recorded balance	3,307	'	3,307	'	4,433
Loans with a specific valuation allowance, unpaid principal balance	4,358	'	4,358	'	4,433
Loans, specific valuation allowance	574	'	574	'	890
Loans with a specific valuation allowance, average investment	3,307	3,829	3,691	1,849	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	3,381	'	3,381	'	4,529
Loans, unpaid principal balance	4,432	'	4,432	'	5,373
Loans, specific valuation allowance	574	'	574	'	890
Loans, average investment	3,381	5,532	3,779	5,893	'
Real Estate Commercial [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, recorded balance	'	'	'	'	3,663
Loans without a specific valuation allowance, unpaid principal balance	'	'	'	'	3,663
Loans without a specific valuation allowance, average investment	'	5,091	272	4,458	'
Loans without a specific valuation allowance, interest income recognized	'	4	'	40	'
Real estate - residential mortgage:	'	'	'	'	'
Loans with a specific valuation allowance, recorded balance	473	'	473	'	'
Loans with a specific valuation allowance, unpaid principal balance	473	'	473	'	'
Loans, specific valuation allowance	185	'	185	'	'
Loans with a specific valuation allowance, average investment	478	'	434	748	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	473	'	473	'	3,663
Loans, unpaid principal balance	473	'	473	'	3,663
Loans, specific valuation allowance	185	'	185	'	'
Loans, average investment	478	5,091	706	5,206	'
Loans, interest income recognized	'	4	'	40	'
Commercial Loans [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, recorded balance	1,085	'	1,085	'	2,327
Loans without a specific valuation allowance, unpaid principal balance	1,388	'	1,388	'	2,462
Loans without a specific valuation allowance, average investment	949	1,343	2,375	878	'
Loans without a specific valuation allowance, interest income recognized	98	'	196	1	'
Real estate - residential mortgage:	'	'	'	'	'
Loans with a specific valuation allowance, recorded balance	'	'	'	'	4,449
Loans with a specific valuation allowance, unpaid principal balance	'	'	'	'	5,148
Loans, specific valuation allowance	'	'	'	'	601
Loans with a specific valuation allowance, average investment	447	2,712	1,414	2,741	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	1,085	'	1,085	'	6,776
Loans, unpaid principal balance	1,388	'	1,388	'	7,610
Loans, specific valuation allowance	'	'	'	'	601
Loans, average investment	1,396	4,055	3,789	3,619	'
Loans, interest income recognized	98	'	196	1	'
Consumer and Other Loans [Member]	'	'	'	'	'
Real estate - residential mortgage:	'	'	'	'	'
Loans without a specific valuation allowance, average investment	'	123	'	107	'
Real estate - residential mortgage:	'	'	'	'	'
Loans with a specific valuation allowance, recorded balance	115	'	115	'	316
Loans with a specific valuation allowance, unpaid principal balance	115	'	115	'	316
Loans, specific valuation allowance	26	'	26	'	102
Loans with a specific valuation allowance, average investment	79	252	277	310	'
Real estate - residential mortgage:	'	'	'	'	'
Loans, recorded balance	115	'	115	'	316
Loans, unpaid principal balance	115	'	115	'	316
Loans, specific valuation allowance	26	'	26	'	102
Loans, average investment	$79	$375	$277	$417	'

Note_4_Loans_and_Allowance_for8

Note 4 - Loans and Allowance for Loan Losses (Details) - Troubled Debt Restructurings (USD $)	Sep. 30, 2014	Dec. 31, 2013
Real estate - residential mortgage:	'	'
Troubled debt restructurings, carrying balance	$5,219,165	$11,753,082
One to Four Family Units [Member]	'	'
Real estate - residential mortgage:	'	'
Troubled debt restructurings, carrying balance	510,407	519,718
Real Estate Construction [Member]	'	'
Real estate - residential mortgage:	'	'
Troubled debt restructurings, carrying balance	3,380,896	4,507,190
Real Estate Commercial [Member]	'	'
Real estate - residential mortgage:	'	'
Troubled debt restructurings, carrying balance	473,218	3,026,931
Commercial Loans [Member]	'	'
Real estate - residential mortgage:	'	'
Troubled debt restructurings, carrying balance	$854,644	$3,699,243

Note_4_Loans_and_Allowance_for9

Note 4 - Loans and Allowance for Loan Losses (Details) - Loan Portfolio by Credit Quality (USD $)	Sep. 30, 2014	Dec. 31, 2013
Rating:	'	'
Loans receivable	$473,263,929	$472,356,822
Real Estate Construction [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	29,337,000	31,433,000
Real Estate Construction [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	6,603,000	7,253,000
Real Estate Construction [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	3,414,000	683,000
Real Estate Construction [Member] | Doubtful [Member]	'	'
Rating:	'	'
Loans receivable	'	3,897,000
Real Estate Construction [Member]	'	'
Rating:	'	'
Loans receivable	39,354,340	43,266,130
Real Estate Commercial [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	192,302,000	169,135,000
Real Estate Commercial [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	5,537,000	4,721,000
Real Estate Commercial [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	3,512,000	5,224,000
Real Estate Commercial [Member] | Doubtful [Member]	'	'
Rating:	'	'
Loans receivable	473,000	'
Real Estate Commercial [Member]	'	'
Rating:	'	'
Loans receivable	201,823,638	179,079,433
One to Four Family Units [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	93,597,000	83,341,000
One to Four Family Units [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	2,605,000	8,954,000
One to Four Family Units [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	1,422,000	1,503,000
One to Four Family Units [Member]	'	'
Rating:	'	'
Loans receivable	97,624,021	93,797,650
Multi-Family Units [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	30,803,000	45,768,000
Multi-Family Units [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	'	420,000
Multi-Family Units [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	413,000	'
Multi-Family Units [Member]	'	'
Rating:	'	'
Loans receivable	31,215,812	46,188,434
Commercial Loans [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	73,104,000	78,622,000
Commercial Loans [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	11,193,000	9,161,000
Commercial Loans [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	1,796,000	2,738,000
Commercial Loans [Member] | Doubtful [Member]	'	'
Rating:	'	'
Loans receivable	'	2,201,000
Commercial Loans [Member]	'	'
Rating:	'	'
Loans receivable	86,093,439	92,721,783
Consumer and Other Loans [Member] | Pass [Member]	'	'
Rating:	'	'
Loans receivable	16,896,000	16,743,000
Consumer and Other Loans [Member] | Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	'	107,000
Consumer and Other Loans [Member] | Substandard [Member]	'	'
Rating:	'	'
Loans receivable	219,000	453,000
Consumer and Other Loans [Member] | Doubtful [Member]	'	'
Rating:	'	'
Loans receivable	38,000	'
Consumer and Other Loans [Member]	'	'
Rating:	'	'
Loans receivable	17,152,679	17,303,392
Pass [Member]	'	'
Rating:	'	'
Loans receivable	436,039,000	425,042,000
Special Mention [Member]	'	'
Rating:	'	'
Loans receivable	25,938,000	30,616,000
Substandard [Member]	'	'
Rating:	'	'
Loans receivable	10,776,000	10,601,000
Doubtful [Member]	'	'
Rating:	'	'
Loans receivable	$511,000	$6,098,000

Note_5_Benefit_Plans_Details

Note 5 - Benefit Plans (Details) (USD $)	3 Months Ended		9 Months Ended			1 Months Ended				1 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Feb. 28, 2014	Jan. 31, 2013	Feb. 28, 2014	Sep. 30, 2014	Feb. 28, 2014	Jan. 31, 2013
					Employee Stock Option [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Director [Member]	Director [Member]
						Director [Member]	Director [Member]	Officer [Member]
						2010 Equity Plan [Member]	2010 Equity Plan [Member]
Note 5 - Benefit Plans (Details) [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Allocated Share-based Compensation Expense	$29,304	$31,923	$223,520	$219,199	'	'	'	'	'	'	'
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized	'	'	'	'	5,631	'	'	'	196,858	'	'
Restricted Stock or Unit Expense	'	'	$51,817	'	'	'	'	'	'	$122,538	$116,032
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures (in Shares)	'	'	'	'	'	11,242	16,576	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value (in Dollars per share)	'	'	'	'	'	$10.90	$7	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)	'	'	'	'	'	'	'	21,820	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Cliff Vesting Period	'	'	'	'	'	'	'	'3 years	'	'	'

Note_5_Benefit_Plans_Details_S

Note 5 - Benefit Plans (Details) - Stock Option Activity (USD $)	9 Months Ended
	Sep. 30, 2014
Note 5 - Benefit Plans (Details) - Stock Option Activity [Line Items]	'
Balance outstanding as of January 1, 2014 (in Dollars per share)	$16.54
Balance outstanding as of September 30, 2014 (in Dollars per share)	$18.23
Options exercisable as of September 30, 2014 (in Dollars per share)	$18.81
Exercised (in Dollars per share)	$5.33
Forfeited (in Dollars per share)	$19.03
Incentive Stock Options [Member]	'
Note 5 - Benefit Plans (Details) - Stock Option Activity [Line Items]	'
Balance outstanding as of January 1, 2014	168,100
Balance outstanding as of September 30, 2014	140,300
Options exercisable as of September 30, 2014	133,900
Exercised	-25,100
Forfeited	-2,700
Non-Incentive Stock Options [Member]	'
Note 5 - Benefit Plans (Details) - Stock Option Activity [Line Items]	'
Balance outstanding as of January 1, 2014	121,000
Balance outstanding as of September 30, 2014	82,500
Options exercisable as of September 30, 2014	79,500
Exercised	-14,500
Forfeited	-24,000

Note_6_Income_Per_Common_Share2

Note 6 - Income Per Common Share (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Earnings Per Share [Abstract]	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	131,500	155,000	131,500	155,000

Note_6_Income_Per_Common_Share3

Note 6 - Income Per Common Share (Details) - Income Per Share (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Income Per Share [Abstract]	'	'	'	'
Basic Income Per Common Share (in Dollars)	$1,360,483	$1,147,356	$3,643,382	$3,270,489
Basic Income Per Common Share	4,278,733	2,732,431	3,907,490	2,734,487
Basic Income Per Common Share (in Dollars per share)	$0.32	$0.42	$0.93	$1.20
Effect of Dilutive Securities	66,301	87,377	70,814	78,072
Diluted Income Per Common Share (in Dollars)	$1,360,483	$1,147,356	$3,643,382	$3,270,489
Diluted Income Per Common Share	4,345,034	2,819,808	3,978,304	2,812,559
Diluted Income Per Common Share (in Dollars per share)	$0.31	$0.41	$0.92	$1.16

Note_8_Disclosures_about_Fair_2

Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis (USD $)	Sep. 30, 2014	Dec. 31, 2013
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	$96,715,489	$97,692,685
Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	101,000	99,000
Equity Securities [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	100,891	99,306
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	16,267,000	31,762,000
US Government Agencies Debt Securities [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	16,266,771	31,761,387
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	14,366,000	13,493,000
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	14,366,219	13,492,627
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	65,981,000	51,345,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	65,981,608	51,345,093
Domestic Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	'	994,000
Domestic Corporate Debt Securities [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	'	994,000
Fair Value, Inputs, Level 1 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	101,000	99,000
Fair Value, Inputs, Level 2 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Recurring Basis [Line Items]	'	'
Available-for-sale securities	$96,614,000	$97,594,000

Note_8_Disclosures_about_Fair_3

Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Non-Recurring Basis (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Non-Recurring Basis [Line Items]	'	'
Assets measured at fair value on a nonrecurring basis	$5,067	$10,305
Impaired Loans [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Non-Recurring Basis [Line Items]	'	'
Assets measured at fair value on a nonrecurring basis	5,067	10,305
Foreclosed Assets Held for Sale [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Non-Recurring Basis [Line Items]	'	'
Assets measured at fair value on a nonrecurring basis	'	2,340
Foreclosed Assets Held for Sale [Member]	'	'
Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Assets Measured on Non-Recurring Basis [Line Items]	'	'
Assets measured at fair value on a nonrecurring basis	'	$2,340

Note_8_Disclosures_about_Fair_4

Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value Quantitative Information (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014
In Thousands, unless otherwise specified			Foreclosed Assets Held for Sale [Member]	Collateral Dependent [Member]	Collateral Dependent [Member]	Collateral Dependent [Member]	Collateral Dependent [Member]	Fair Value, Inputs, Level 3 [Member]
			Fair Value, Inputs, Level 3 [Member]	Fair Value, Inputs, Level 3 [Member]	Fair Value, Inputs, Level 3 [Member]	Fair Value, Inputs, Level 3 [Member]	Weighted Average [Member]
				Minimum [Member]	Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'	'	'	'	'	'	'	'
Assets, fair value	$6,417	$16,171	'	'	'	$5,067	'	'
Valuation technique	'	'	'Market Comparable	'	'	'Market Comparable	'	'Discounted cash flow
Unobservable input	'	'	'Discount to reflect realizable value	'	'	'Discount to reflect realizable value	'	'Discount rate
Range (weighted average)	'	'	0.00%	0.00%	44.00%	'	14.00%	0.00%
Range (weighted average)	'	'	0.00%	0.00%	-44.00%	'	-14.00%	0.00%

Note_8_Disclosures_about_Fair_5

Note 8 - Disclosures about Fair Value of Assets and Liabilities (Details) - Fair Value of Financial Instruments (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
Financial assets:	'	'	'	'
Cash and cash equivalents	$11,122,612	$12,303,200	$30,077,374	$41,663,405
Held-to-maturity securities	65,352	79,162	'	'
Federal Home Loan Bank stock	3,108,900	2,885,100	'	'
Mortgage loans held for sale	69,132	623,432	'	'
Loans, net	466,530,432	464,379,854	'	'
Financial liabilities:	'	'	'	'
Deposits	471,250,671	487,318,939	'	'
Securities sold under agreements to repurchase	10,000,000	10,000,000	'	'
Subordinated debentures	15,465,000	15,465,000	'	'
Interest payable	241,932	250,361	'	'
Interest payable, fair value	241,932	250,361	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Cash and cash equivalents	11,122,612	12,303,200	'	'
Cash and cash equivalents, fair value	11,122,612	12,303,200	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Held-to-maturity securities	65,352	79,162	'	'
Held-to-maturity securities, fair value	67,094	81,089	'	'
Federal Home Loan Bank stock	3,108,900	2,885,100	'	'
Federal Home Loan Bank stock, fair value	3,108,900	2,885,100	'	'
Mortgage loans held for sale	69,132	623,432	'	'
Mortgage loans held for sale, fair value	69,132	623,432	'	'
Interest receivable	1,669,005	1,852,641	'	'
Interest receivable, fair value	1,669,005	1,852,641	'	'
Financial liabilities:	'	'	'	'
Deposits	471,250,671	487,318,939	'	'
Deposits, fair value	462,054,468	476,503,513	'	'
Federal Home Loan Bank and Federal Reserve Bank advances	59,150,000	55,350,000	'	'
Federal Home Loan Bank and Federal Reserve Bank advances, fair value	61,310,921	57,185,083	'	'
Securities sold under agreements to repurchase	10,000,000	10,000,000	'	'
Securities sold under agreements to repurchase, fair value	10,524,690	7,978,555	'	'
Interest payable	241,932	250,361	'	'
Interest payable, fair value	241,932	250,361	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Loans, net	466,530,432	464,379,854	'	'
Loans, net, fair value	466,944,109	466,057,001	'	'
Financial liabilities:	'	'	'	'
Subordinated debentures	15,465,000	15,465,000	'	'
Subordinated debentures, fair value	$15,465,000	$15,465,000	'	'

Note_9_Preferred_Stock_and_Com1

Note 9 - Preferred Stock and Common Stock Warrants (Details) (USD $)

0 Months Ended

1 Months Ended

9 Months Ended

0 Months Ended

1 Months Ended

0 Months Ended

Mar. 07, 2014

15-May-13

Jun. 13, 2012

Jan. 30, 2009

Sep. 30, 2014

Sep. 30, 2013

Dec. 31, 2013

8-May-13

Apr. 15, 2013

Apr. 03, 2014

Jan. 30, 2009

Mar. 07, 2014

Mar. 07, 2014

Mar. 07, 2014

Mar. 07, 2014

Series A Preferred Stock [Member]

Series A Preferred Stock [Member]

Series A Preferred Stock [Member]

Underwritten Offering [Member]

Underwritten Offering [Member]

Over-Allotment Option [Member]

Common Stock [Member]

Common Stock [Member]

Note 9 - Preferred Stock and Common Stock Warrants (Details) [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Stock Issued During Period, Shares, New Issues (in Shares)

'

'

'

'

'

'

'

'

'

'

17,000

'

1,499,999

'

195,652

Warrant Term

'

'

'

'10 years

'

'

'

'

'

'

'

'

'

'

'

Class of Warrant or Right, Number of Securities Called by Warrants or Rights (in Shares)

'

'

'

459,459

'

'

'

'

'

'

'

'

'

'

'

Class of Warrant or Right, Exercise Price of Warrants or Rights (in Dollars per share)

'

'

'

$5.55

'

'

'

'

'

'

'

'

'

'

'

Stock and Warrants Issued During Period, Value, Preferred Stock and Warrants

'

'

'

$17,000,000

'

'

'

'

'

'

'

'

'

'

'

Preferred Stock, Redemption Amount

'

'

5,000,000

'

'

'

'

'

'

'

'

'

'

'

'

Preferred Stock, Amount of Preferred Dividends in Arrears

'

'

19,444

'

'

'

'

'

'

'

'

'

'

'

'

Treasury Stock, Value

'

'

'

'

38,134,189

'

61,225,185

'

12,000

'

'

'

'

'

'

Warrants and Rights Outstanding

'

'

'

'

'

'

'

2,003,250

'

'

'

'

'

'

'

Payments for Repurchase of Warrants

'

2,003,250

'

'

'

2,003,250

'

'

'

'

'

'

'

'

'

Stock Redeemed or Called During Period, Value

'

'

'

'

12,000,000

'

'

'

'

12,000,000

'

'

'

'

'

Preferred Stock, Dividend Rate, Percentage

'

'

'

'

'

5.00%

'

'

'

9.00%

'

'

'

'

'

Proceeds from Issuance of Common Stock

$15,800,000

'

'

'

$15,814,312

'

'

'

'

'

'

'

'

$17,200,000

'

Share Price (in Dollars per share)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$11.50

Treasury Stock, Shares (in Shares)

'

'

'

'

2,523,055

'

4,051,248

'

'

'

'

12,000

'

'

'