Pulaski Financial (PULB) 10-K 16 Dec 13 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
In Millions, except Share data, unless otherwise specified	Sep. 30, 2013	Dec. 12, 2013	Mar. 31, 2013
Document and Entity Information	'	'	'
Entity Registrant Name	'PULASKI FINANCIAL CORP	'	'
Entity Central Index Key	'0001062438	'	'
Document Type	'10-K	'	'
Document Period End Date	30-Sep-13	'	'
Amendment Flag	'false	'	'
Current Fiscal Year End Date	'--09-30	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Voluntary Filers	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Filer Category	'Accelerated Filer	'	'
Entity Public Float	'	'	$96
Entity Common Stock, Shares Outstanding	'	11,367,384	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Sep. 30, 2012
ASSETS	'	'
Cash and amounts due from depository institutions	$16,829,435	$15,834,193
Federal funds sold and overnight interest-bearing deposits	69,479,143	46,500,729
Total cash and cash equivalents	86,308,578	62,334,922
Debt and mortgage-backed securities available for sale, at fair value	38,916,833	21,921,417
Mortgage-backed securities held to maturity, at amortized cost (fair value of $4,537,359 and $6,096,227 at September 30, 2013 and 2012, respectively)	4,294,096	5,656,963
Capital stock of Federal Home Loan Bank, at cost	4,777,400	5,558,600
Mortgage loans held for sale, at lower of cost or market	70,473,361	180,574,694
Loans receivable (net of allowance for loan losses of $18,306,114 and $17,116,595 at September 30, 2013 and 2012, respectively)	988,668,268	975,727,642
Real estate acquired in settlement of loans (net of allowance for losses of $1,837,800 and $4,706,775 at September 30, 2013 and 2012, respectively)	6,394,712	13,952,168
Premises and equipment, net	17,859,113	18,415,977
Goodwill	3,938,524	3,938,524
Accrued interest receivable	3,151,197	3,888,611
Bank-owned life insurance	32,747,251	31,844,074
Deferred tax assets	10,570,235	11,638,492
Prepaid expenses, accounts receivable and other assets	7,844,852	12,065,342
Total assets	1,275,944,420	1,347,517,426
LIABILITIES:	'	'
Deposits	1,010,811,599	1,081,698,318
Borrowed money	113,482,909	109,981,455
Subordinated debentures	19,589,000	19,589,000
Advance payments by borrowers for taxes and insurance	3,864,859	5,589,385
Accrued interest payable	469,909	695,111
Other liabilities	11,668,078	11,796,985
Total liabilities	1,159,886,354	1,229,350,254
STOCKHOLDERS' EQUITY :	'	'
Preferred stock - $0.01 par value per share, 1,000,000 shares authorized; 17,388 and 25,418 shares issued at September 30, 2013 and 2012, respectively; $1,000 per share liquidation value, net of discount	17,310,083	24,976,239
Common stock - $0.01 par value per share, 18,000,000 shares authorized; 13,082,271 and 13,068,618 shares issued at September 30, 2013 and 2012, respectively	130,823	130,687
Treasury stock - at cost (2,017,782 and 2,114,246 shares at September 30, 2013 and 2012, respectively)	-15,851,041	-15,939,378
Additional paid-in capital	58,402,572	56,849,475
Accumulated other comprehensive (loss) income, net	-25,540	21,475
Retained earnings	56,091,169	52,128,674
Total stockholders' equity	116,058,066	118,167,172
Total liabilities and stockholders' equity	$1,275,944,420	$1,347,517,426

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Sep. 30, 2013	Sep. 30, 2012
CONSOLIDATED BALANCE SHEETS	'	'
Mortgage-backed securities held to maturity, fair value (in dollars)	$4,537,359	$6,096,227
Loans receivable, allowance for loan losses (in dollars)	18,306,114	17,116,595
Real estate acquired in settlement of loans, allowance for losses (in dollars)	$1,837,800	$4,706,775
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	17,388	25,418
Preferred stock, liquidation value (in dollars per share)	$1,000	$1,000
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized	18,000,000	18,000,000
Common stock, shares issued	13,082,271	13,068,618
Treasury stock, shares	2,017,782	2,114,246

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
INTEREST AND DIVIDEND INCOME:	'	'	'
Loans receivable	$46,044,445	$49,960,907	$53,836,937
Mortgage loans held for sale	5,169,547	5,338,349	5,548,562
Securities and other	399,630	409,036	867,174
Total interest and dividend income	51,613,622	55,708,292	60,252,673
INTEREST EXPENSE:	'	'	'
Deposits	4,965,183	7,192,873	11,327,379
Borrowed money	970,184	943,200	1,118,037
Subordinated debentures	509,437	541,728	505,889
Total interest expense	6,444,804	8,677,801	12,951,305
Net interest income	45,168,818	47,030,491	47,301,368
Provision for loan losses	12,090,000	14,450,000	14,800,000
Net interest income after provision for loan losses	33,078,818	32,580,491	32,501,368
NON-INTEREST INCOME:	'	'	'
Mortgage revenues	12,331,500	8,772,721	5,670,484
Retail banking fees	4,194,912	4,106,177	4,148,807
Investment brokerage revenues	973,963	1,402,448	1,864,170
Bank-owned life insurance income	903,177	1,001,608	1,071,637
Other	366,531	420,754	242,707
Total non-interest income	18,770,083	15,703,708	12,997,805
NON-INTEREST EXPENSE:	'	'	'
Salaries and employee benefits	17,746,857	15,262,518	15,021,505
Occupancy, equipment and data processing expense	10,111,830	9,289,870	8,990,060
Advertising	545,339	518,765	574,438
Professional services	2,524,107	2,084,098	1,653,032
FDIC deposit insurance premium expense	1,251,848	1,757,199	2,430,621
Real estate foreclosure losses and expense, net	2,209,968	3,039,315	2,872,484
Postage, document delivery and office supplies expense	692,952	696,967	898,470
Other	2,160,345	1,542,552	1,843,979
Total non-interest expense	37,243,246	34,191,284	34,284,589
Income before income taxes	14,605,655	14,092,915	11,214,584
Income tax expense	4,796,596	4,263,227	3,149,807
Net income	9,809,059	9,829,688	8,064,777
OTHER COMPREHENSIVE INCOME:	'	'	'
Unrealized (loss) gain on debt and mortgage-backed securities available for sale	-75,831	34,137	-60,523
Income tax benefit (expense)	28,816	-12,972	22,999
Net unrealized (loss) gain	-47,015	21,165	-37,524
Comprehensive income	9,762,044	9,850,853	8,027,253
Income available to common shares	$8,289,487	$8,145,658	$5,998,761
Per Common Share Amounts:	'	'	'
Basic earnings per common share (in dollars per share)	$0.76	$0.76	$0.57
Weighted average common shares outstanding - basic (in shares)	10,892,136	10,679,091	10,543,316
Diluted earnings per common share (in dollars per share)	$0.74	$0.74	$0.55
Weighted average common shares outstanding - diluted (in shares)	11,132,941	10,993,862	10,987,605

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (USD $)

Total

Stock options and awards, stock-based compensation plans

Equity Trust Plan

Preferred Stock, Net of Discount

Common Stock

Treasury Stock

Treasury Stock

Additional Paid-In Capital

Additional Paid-In Capital

Additional Paid-In Capital

Accumulated Other Comprehensive Income (Loss), Net

Retained Earnings

Equity Trust Plan

Stock options and awards, stock-based compensation plans

Equity Trust Plan

BALANCE at Sep. 30, 2010

$116,353,281

'

'

$31,088,060

$130,687

($18,692,714)

'

$57,330,627

'

'

$37,834

$46,458,787

Increase (Decrease) in Stockholders' Equity

'

'

'

'

'

'

'

'

'

'

'

'

Net income

8,064,777

'

'

'

'

'

'

'

'

'

'

8,064,777

Other comprehensive income (loss)

-37,524

'

'

'

'

'

'

'

'

'

-37,524

'

Common stock dividends ($0.38 per share)

-4,177,009

'

'

'

'

'

'

-4,202

'

'

'

-4,172,807

Preferred stock dividends

-1,626,900

'

'

'

'

'

'

'

'

'

'

-1,626,900

Accretion of discount on preferred stock

'

'

'

439,116

'

'

'

'

'

'

'

-439,116

Stock options exercised (23,400, 84,456 and 33,397 shares for the year ended 2013, 2012 and 2011, respectively)

193,955

'

'

'

'

117,765

'

76,190

'

'

'

'

Stock option and award expense / Amortization of equity trust expense

'

590,457

355,179

'

'

'

'

'

590,457

355,179

'

'

Commission on shares purchased for dividend reinvestment plan

-27,399

'

'

'

'

'

'

-27,399

'

'

'

'

Common stock issued under employee compensation plans, net (15,622, 248,032 and 56,681 shares for the year ended 2013, 2012 and 2011, respectively)

-29,389

'

'

'

'

-116,499

'

87,110

'

'

'

'

Purchase of equity trust shares from Treasury, net (42,151, 10,327 and 43,955 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

446,684

'

'

'

-76

'

'

446,760

'

'

Distribution of equity trust shares (57,442, 141,606 and 75,391 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

'

'

'

'

682,526

'

'

-682,526

'

'

Excess tax benefit from stock-based compensation / Tax benefit (cost) from release of equity shares

'

113,301

-49,227

'

'

'

'

'

113,301

-49,227

'

'

BALANCE at Sep. 30, 2011

120,170,186

'

'

31,527,176

130,687

-18,008,998

'

58,236,270

'

'

310

48,284,741

Increase (Decrease) in Stockholders' Equity

'

'

'

'

'

'

'

'

'

'

'

'

Net income

9,829,688

'

'

'

'

'

'

'

'

'

'

9,829,688

Other comprehensive income (loss)

21,165

'

'

'

'

'

'

'

'

'

21,165

'

Common stock dividends ($0.38 per share)

-4,301,725

'

'

'

'

'

'

'

'

'

'

-4,301,725

Preferred stock dividends

-1,626,900

'

'

'

'

'

'

'

'

'

'

-1,626,900

Accretion of discount on preferred stock

'

'

'

420,829

'

'

'

'

'

'

'

-420,829

Repurchase of preferred shares (8,030 and 7,120 shares for the year ended 2013 and 2012, respectively)

-6,608,067

'

'

-6,971,766

'

'

'

'

'

'

'

363,699

Repurchase of common stock warrant

-1,110,000

'

'

'

'

'

'

-1,110,000

'

'

'

'

Stock options exercised (23,400, 84,456 and 33,397 shares for the year ended 2013, 2012 and 2011, respectively)

503,422

'

'

'

'

297,390

'

206,032

'

'

'

'

Stock option and award expense / Amortization of equity trust expense

'

1,179,683

234,588

'

'

'

'

'

1,179,683

234,588

'

'

Commission on shares purchased for dividend reinvestment plan

-22,013

'

'

'

'

'

'

-22,013

'

'

'

'

Common stock issued under employee compensation plans, net (15,622, 248,032 and 56,681 shares for the year ended 2013, 2012 and 2011, respectively)

-385,704

'

'

'

'

523,265

'

-908,969

'

'

'

'

Purchase of equity trust shares from Treasury, net (42,151, 10,327 and 43,955 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

339,517

'

'

'

'

'

'

339,517

'

'

Distribution of equity trust shares (57,442, 141,606 and 75,391 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

'

'

'

'

1,248,965

'

'

-1,248,965

'

'

Excess tax benefit from stock-based compensation / Tax benefit (cost) from release of equity shares

'

3,081

-59,749

'

'

'

'

'

3,081

-59,749

'

'

BALANCE at Sep. 30, 2012

118,167,172

'

'

24,976,239

130,687

-15,939,378

'

56,849,475

'

'

21,475

52,128,674

Increase (Decrease) in Stockholders' Equity

'

'

'

'

'

'

'

'

'

'

'

'

Net income

9,809,059

'

'

'

'

'

'

'

'

'

'

9,809,059

Other comprehensive income (loss)

-47,015

'

'

'

'

'

'

'

'

'

-47,015

'

Common stock dividends ($0.38 per share)

-4,326,992

'

'

'

'

'

'

'

'

'

'

-4,326,992

Preferred stock dividends

-1,234,529

'

'

'

'

'

'

'

'

'

'

-1,234,529

Accretion of discount on preferred stock

'

'

'

307,647

'

'

'

'

'

'

'

-307,647

Repurchase of preferred shares (8,030 and 7,120 shares for the year ended 2013 and 2012, respectively)

-7,951,199

'

'

-7,973,803

'

'

'

'

'

'

'

22,604

Stock options exercised (23,400, 84,456 and 33,397 shares for the year ended 2013, 2012 and 2011, respectively)

210,361

'

'

'

'

92,122

'

118,239

'

'

'

'

Stock option and award expense / Amortization of equity trust expense

'

1,222,419

159,203

'

'

'

'

'

1,222,419

159,203

'

'

Common stock issued, net (13,653 shares)

'

'

'

'

136

'

'

-136

'

'

'

'

Commission on shares purchased for dividend reinvestment plan

-24,027

'

'

'

'

'

'

-24,027

'

'

'

'

Common stock issued under employee compensation plans, net (15,622, 248,032 and 56,681 shares for the year ended 2013, 2012 and 2011, respectively)

-220,276

'

'

'

'

-472,329

'

252,053

'

'

'

'

Purchase of equity trust shares from Treasury, net (42,151, 10,327 and 43,955 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

566,527

'

'

'

'

'

'

566,527

'

'

Distribution of equity trust shares (57,442, 141,606 and 75,391 shares for the year ended 2013, 2012 and 2011, respectively)

'

'

-315,099

'

'

'

468,544

'

'

-783,643

'

'

Excess tax benefit from stock-based compensation / Tax benefit (cost) from release of equity shares

'

'

42,462

'

'

'

'

'

'

42,462

'

'

BALANCE at Sep. 30, 2013

$116,058,066

'

'

$17,310,083

$130,823

($15,851,041)

'

$58,402,572

'

'

($25,540)

$56,091,169

CONSOLIDATED_STATEMENTS_OF_STO1

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY	'	'	'
Common stock dividends (in dollars per share)	$0.38	$0.38	$0.38
Repurchase of shares	8,030	7,120	'
Stock options exercised, shares	23,400	84,456	33,397
Common stock issued, in shares	13,653	'	'
Common stock issued under employee compensation plans, net (in shares)	15,622	248,032	56,681
Equity Trust Plan	'	'	'
Statement	'	'	'
Purchase of equity trust shares from treasury, net	42,151	10,327	43,955
Distribution of equity trust shares, net (in shares)	57,442	141,606	75,391

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:	'	'	'
Net income	$9,809,059	$9,829,688	$8,064,777
Depreciation, amortization and accretion:	'	'	'
Premises and equipment	1,975,944	1,988,670	2,009,616
Net deferred loan costs	1,739,472	2,081,675	2,083,309
Debt and mortgage-backed securities premiums and discounts, net	446,776	342,962	295,132
Equity trust expense	159,203	234,588	355,179
Stock option and award expense	1,222,419	1,179,683	590,457
Provision for loan losses	12,090,000	14,450,000	14,800,000
Provision for losses on real estate acquired in settlement of loans	1,770,126	3,175,919	2,118,500
Gains on sales of real estate acquired in settlement of loans	-487,251	-426,868	-169,496
Originations of mortgage loans held for sale	-1,305,191,000	-1,402,335,941	-1,432,925,551
Proceeds from sales of mortgage loans held for sale	1,408,575,064	1,330,605,283	1,591,452,812
Gain on sale of loans held for sale	-12,794,064	-8,125,283	-5,667,812
Increase in cash value of bank-owned life insurance	-903,177	-1,001,608	-1,071,637
Decrease in deferred tax asset	1,068,257	1,134,145	384,663
Common stock issued under employee compensation plan	99,997	100,000	99,998
Excess tax benefit from stock-based compensation	'	-3,081	-113,301
Tax (benefit) expense for release of equity trust shares	-42,462	59,749	49,227
(Decrease) increase in accrued expenses	-11,715	-19,719	594,455
(Decrease) increase in current income taxes payable	-463,155	1,393,980	-2,130,097
Changes in other assets and liabilities	5,089,942	-11,397	3,069,778
Net adjustments	114,344,376	-55,177,243	175,825,232
Net cash provided by (used in) operating activities	124,153,435	-45,347,555	183,890,009
Proceeds from:	'	'	'
Maturities of debt securities available for sale	72,785,000	43,200,000	56,000,000
Principal payments on mortgage-backed securities	1,413,554	3,961,106	8,927,535
Redemption of Federal Home Loan Bank stock	18,840,800	5,312,900	11,035,100
Sales of real estate acquired in settlement of loans receivable	13,708,908	5,518,983	8,105,471
Sales of equipment	25,363	13,562	72,671
Purchases of:	'	'	'
Debt securities available for sale	-90,353,709	-50,605,230	-62,582,763
Federal Home Loan Bank stock	-18,059,600	-7,771,100	-4,361,900
Premises and equipment	-1,444,443	-1,960,043	-1,776,355
Net (increase) decrease in loans receivable	-14,693,092	25,511,104	-5,754,863
Cash received from equity in joint venture	60,000	'	'
Net cash (used in) provided by investing activities	-17,717,219	23,181,282	9,664,896
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'	'
Net (decrease) increase in deposits	-70,886,719	-21,470,597	9,221,737
Net increase (decrease) in overnight retail repurchase agreements	14,501,454	1,625,457	-1,899,944
(Repayment of) proceeds from Federal Home Loan Bank advances, net	-11,000,000	60,000,000	-152,000,000
Net (decrease) increase in advance payments by borrowers for taxes and insurance	-1,724,526	643,467	-2,152,514
Proceeds from stock options exercised	210,361	503,422	193,955
Issuance of treasury shares to equity trust	566,527	339,517	446,684
Excess tax benefit from stock-based compensation	'	3,081	113,301
Tax expense (benefit) for release of equity trust shares	42,462	-59,749	-49,227
Repurchase of preferred shares, net	-7,951,199	-6,608,067	'
Repurchase of common stock warrant	'	-1,110,000	'
Dividends paid on common stock	-4,326,992	-4,301,725	-4,177,009
Dividends paid on preferred stock	-1,234,529	-1,626,900	-1,626,900
Commission on shares purchased for dividend reinvestment plan	-24,027	-22,013	-27,399
Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	-635,372	-485,704	-129,387
Net cash (used in) provided by financing activities	-82,462,560	27,430,189	-152,086,703
Net increase in cash and cash equivalents	23,973,656	5,263,916	41,468,202
Cash and cash equivalents at beginning of year	62,334,922	57,071,006	15,602,804
Cash and cash equivalents at end of year	86,308,578	62,334,922	57,071,006
Cash paid during the year for:	'	'	'
Interest on deposits	5,190,095	7,356,332	11,477,166
Interest on borrowed money	971,118	918,582	1,070,964
Interest on subordinated debentures	509,857	541,114	527,685
Cash paid during the year for interest	6,671,070	8,816,028	13,075,815
Income taxes, net	4,120,217	1,804,742	4,808,167
NON-CASH INVESTING ACTIVITIES:	'	'	'
Real estate acquired in settlement of loans receivable	8,869,377	5,625,640	15,802,078
Loans to facilitate the sale of real estate acquired in settlement of loans receivable	$1,435,050	$2,123,252	$1,930,101

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1.                      SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Pulaski Financial Corp. (the “Company”) is the holding company for Pulaski Bank (the “Bank”). The Company’s primary assets are its investment in the Bank and cash.  The Company also maintains two special-purpose subsidiary trusts that issued preferred securities. Management of the Company and the Bank are substantially similar and the Company neither owns nor leases any property, but instead uses the premises, equipment and furniture of the Bank. Accordingly, the information in the consolidated financial statements relates primarily to the Bank.
	The Company, through the Bank, operates in a single business segment, which is a community-oriented financial institution providing traditional financial services through the operation of thirteen full-service bank locations in the St. Louis metropolitan area and loan production offices in the St. Louis and Kansas City metropolitan areas, eastern Kansas, Omaha, Nebraska, Council Bluffs, Iowa, mid-Missouri and southwestern Missouri.  The Bank is engaged primarily in the business of attracting deposits from the general public and using these and other funds to originate a variety of residential, commercial and consumer loans within the Bank’s lending market areas. The Bank is an approved lender/servicer for the Federal Housing Administration (“FHA”) and the Veterans Administration (“VA”), as well as for the Missouri Housing Development Commission (a government agency established to provide home-buying opportunities for low-income first-time homebuyers).
	The accounting and reporting policies and practices of the Company and its subsidiaries conform to U.S. generally accepted accounting principles and to prevailing practices within the banking industry. A summary of the Company’s significant accounting policies follows.
	Principles of Consolidation - The consolidated financial statements include the accounts of Pulaski Financial Corp. and its wholly-owned subsidiary, Pulaski Bank, and its wholly-owned subsidiaries, Pulaski Service Corporation and Priority Property Holdings, LLC.  All significant intercompany transactions have been eliminated in consolidation.
	Use of Estimates - The preparation of these consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and that affect the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. The determination of the allowance for loan losses and the liability for loans sold and the valuation of the deferred tax asset are significant estimates reported within the consolidated financial statements.
	Cash and Cash Equivalents - For purposes of reporting cash flows, cash and cash equivalents include cash and amounts due from depository institutions, cash in transit, cash in the process of collection, federal funds sold, and overnight deposits at the Federal Home Loan Bank of Des Moines (“Federal Home Loan Bank” or “FHLB”) and Federal Reserve Bank of St. Louis (“Federal Reserve”). Generally, federal funds sold mature within one day.
	Debt and Mortgage-Backed Securities Available for Sale — Debt and mortgage-backed securities available for sale are recorded at their fair values, adjusted for amortization of premiums and accretion of discounts, which are recognized as adjustments to interest income over the life of the securities using the level-yield method. Refer to Note 19, Fair Value Measurements, for additional information regarding how fair values are determined. Unrealized gains or losses on debt and mortgage-backed securities available for sale are included in a separate component of stockholders’ equity, net of deferred income taxes. Gains or losses on the disposition of debt and mortgage-backed securities available for sale are recognized using the specific-identification method.
	Mortgage-Backed Securities Held to Maturity - Mortgage-backed securities held to maturity are stated at cost, adjusted for amortization of premiums and accretion of discounts, since the Company has both the ability and intent to hold the securities to maturity.  Premium amortization and discount accretion are recognized as adjustments to interest income over the life of the securities using the level-yield method.
	Other-Than-Temporary Impairment of Debt and Mortgage-Backed Securities - When determining whether a debt or mortgage-backed security is other-than-temporarily impaired, management assesses whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery.  In instances when a determination is made that an other-than-temporary impairment exists but management does not intend to sell the security and it is not more likely than not that it will be required to sell the security prior to its anticipated repayment or maturity, the other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors.  The amount of the total other-than-temporary impairment related to the credit loss is recognized as a charge to earnings.  The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income.
	Capital Stock of the Federal Home Loan Bank - Capital stock of the Federal Home Loan Bank of Des Moines is required for membership in the FHLB and is carried at cost.  The Bank must maintain a specified level of investment in FHLB stock based upon the amount of its outstanding FHLB borrowings.  The value of FHLB stock is based upon the recoverability of the par value.  In determining the recoverability of this investment, the Company considered the structure of the FHLB system, which enables the regulator of the FHLBs to reallocate debt among the members, so each individual FHLB has a potential obligation to repay the consolidated obligations issued by other FHLB members.  In addition, the regulator for the FHLB system oversees changes to management, management practices and balance sheet management at the FHLB.  Finally, the liquidity position of the FHLB has been strengthened with the support of the U.S. Treasury, which established a lending facility designed to provide secured funding on an as-needed basis to government-sponsored enterprises, such as the FHLB.  The Company continues to monitor this investment for recoverability, but as of September 30, 2013, believed that it would recover the par value of the FHLB stock.
	Mortgage Loans Held for Sale — Mortgage loans held for sale consist of loans that management does not intend to hold until maturity and are reflected at the lower of cost or fair value.  Such loans are generally committed to be sold to investors on a best-efforts basis with servicing released. Accordingly, fair values for such loans are based on commitment prices. Gains or losses on loan sales are recognized at the time of sale and are determined by the difference between net sales proceeds and the principal balance of the loans sold, adjusted for net deferred loan fees or costs. Loan origination and commitment fees, net of certain direct loan origination costs, are deferred as an adjustment to the carrying value of the loan until it is sold.
	Loans Receivable - Loans receivable are stated at the principal amounts outstanding adjusted for premiums, discounts, deferred loan fees and costs, loans in process and the allowance for loan losses.  Loan origination and commitment fees on originated loans, net of certain direct loan origination costs, are deferred and amortized to interest income using the level-yield method over the estimated lives of the related loans. Interest on loans is accrued based upon the principal amounts outstanding. Refer to Note 4, Loans Receivable and Allowance for Losses, for summaries of the Company’s accounting policies regarding impaired loans and the related recognition of interest income, troubled debt restructurings and the allowance for loan losses.
	Real Estate Acquired in Settlement of Loans - Real estate acquired as a result of foreclosure or by deed-in-lieu of foreclosure is initially recorded at the lower of its cost, which is the unpaid principal balance of the related loan plus foreclosure costs, or fair value less estimated selling costs. Any write-down to fair value at the time the property is acquired is recorded as a charge-off to the allowance for loan losses.  Any decline in the fair value of the property subsequent to acquisition is charged to non-interest expense and credited to the allowance for losses on real estate acquired in settlement of loans.  Refer to Note 19, Fair Value Measurements, for additional information regarding how fair values are determined.
	Derivative Financial Instruments - The Company originates and purchases derivative financial instruments, including interest rate swaps and interest rate lock commitments.  These instruments have certain interest rate risk characteristics that change in value based upon changes in the capital markets.
	Interest Rate Swaps: The Company periodically uses derivative financial instruments (primarily interest rate swaps) to assist in its interest rate risk management. All derivatives are measured and reported at fair value on the Company’s consolidated balance sheets as either an asset or a liability. For derivatives that are designated and qualify as a fair value hedge, the gain or loss on the derivative, as well as the offsetting gain or loss on the hedged item attributable to the hedged risk, are reported as other assets or other liabilities, as appropriate, in the consolidated balance sheets. For all hedging relationships, derivative gains and losses that are not effective in hedging the changes in fair value of the hedged item are recognized in earnings during the period of the change. Similarly, the changes in the fair value of derivatives that do not qualify for hedge accounting are also reported in non-interest income when they occur.
	The net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. The net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income.
	At the inception of the fair value hedge and quarterly thereafter, a formal assessment is performed to determine whether changes in the fair values of the derivatives have been highly effective in offsetting the changes in the fair values of the underlying hedged item and whether they are expected to be highly effective in the future. The Company formally documents all relationships between hedging instruments and hedged items, as well as its risk-management objective and strategy for undertaking the hedge. This process includes identification of the hedging instrument, hedged item, risk being hedged and the method for assessing effectiveness and measuring ineffectiveness. In addition, on a quarterly basis, the Company assesses whether the derivative used in the hedging transaction is highly effective in offsetting changes in fair value of the hedged item, and measures and records any ineffectiveness as a credit or charge to earnings. The Company discontinues hedge accounting prospectively when it is determined that the derivative is or will no longer be effective in offsetting changes in the fair value of the hedged item, the derivative expires, is sold or terminated, or management determines that designation of the derivative as a hedging instrument is no longer appropriate.
	The estimates of fair values of the Company’s derivatives and related liabilities are calculated by an independent third party using proprietary valuation models. The fair values produced by these valuation models are, in part, theoretical and reflect assumptions, which must be made in using the valuation models. Small changes in assumptions could result in significant changes in valuation. The risks inherent in the determination of the fair value of a derivative may result in income statement volatility.
	The Company periodically uses derivatives to modify the repricing characteristics of certain assets and liabilities so that changes in interest rates do not have a significant adverse effect on net interest income and cash flows and to better match the repricing profile of its interest-bearing assets and liabilities. As a result of interest rate fluctuations, certain interest-sensitive assets and liabilities will gain or lose market value. In an effective fair value hedging strategy, the effect of this change in value will generally be offset by a corresponding change in value of the derivatives linked to the hedged assets and liabilities.
	Interest Rate Lock Commitments:  Commitments to originate loans to be held for sale (interest rate lock commitments), which primarily consist of commitments to originate fixed-rate residential mortgage loans, are recorded at fair value.  Changes in the fair value of interest rate lock commitments are recognized in non-interest income on a quarterly basis.
	Premises and Equipment - Premises and equipment are stated at cost, less accumulated depreciation.  Depreciation charged to operations is primarily computed utilizing the straight-line method over the estimated useful lives of the related assets. Estimated lives range from three to forty years for buildings and improvements and three to ten years for furniture and equipment. Maintenance and repairs are charged to expense when incurred. Major renewals and improvements are capitalized. Gains and losses on dispositions are credited or charged to earnings as incurred.
	Goodwill - Goodwill represents the amount of acquisition cost over the fair value of net assets acquired in the purchase of another financial institution.  The Company reviews goodwill for impairment at least annually or more frequently if events or changes in circumstances indicate the carrying value of the asset might be impaired.  Impairment is determined by comparing the implied fair value of the reporting unit goodwill with the carrying amount of that goodwill.  If the carrying amount of the reporting unit goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess.  Any such adjustments are reflected in the results of operations in the periods in which they become known.  After a goodwill impairment loss is recognized, the adjusted carrying amount of goodwill becomes its new accounting basis.  No such impairment losses were recognized during any of the years in the three-year period ended September 30, 2013.
	Stock-Based Compensation - The Company maintains a number of stock-based incentive programs, which are discussed in more detail in Note 15.  All stock-based compensation is recognized as an expense in the consolidated financial statements based on the fair value of the award.
	Income Taxes — Current income tax expense approximates taxes to be paid or refunded for the current period. Deferred income tax expense is computed using the balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and recognizes enacted changes in tax rates and laws in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. A tax position that meets the “more likely than not” recognition threshold is measured to determine the amount of benefit to recognize. The tax position is measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement. Interest and penalties are recognized as a component of income tax expense.
	Reclassifications - Certain amounts included in the 2012 and 2011 consolidated financial statements have been reclassified to conform to the 2013 presentation.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	12 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
EARNINGS PER SHARE	'
	2.                      EARNINGS PER SHARE
	Basic earnings per share is computed using the weighted average number of common shares outstanding. The dilutive effect of potential securities is included in diluted earnings per share. The computations of basic and diluted earnings per share are presented in the following table.
		Years Ended September 30,
		2013			2012			2011
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Add (less):
	Benefit from repurchase of preferred stock, net	22,604			363,699			—
	Preferred dividends declared	(1,234,529		)	(1,626,900		)	(1,626,900		)
	Accretion of discount on preferred stock	(307,647		)	(420,829		)	(439,116		)
	Income available for common shares	$	8,289,487		$	8,145,658		$	5,998,761
	Weighted average common shares outstanding - basic	10,892,136			10,679,091			10,543,316
	Effect of dilutive securities:
	Treasury stock held in equity trust - unvested shares	192,851			271,779			301,544
	Equivalent shares - employee stock options and awards	47,954			42,992			41,259
	Equivalent shares - common stock warrant	—			—			101,486
	Weighted average common shares outstanding - diluted	11,132,941			10,993,862			10,987,605
	Earnings per share:
	Basic	$	0.76		$	0.76		$	0.57
	Diluted	0.74			0.74			0.55
	Under the treasury stock method, outstanding stock options are dilutive when the average market price of the Company’s common stock, when combined with the effect of any unamortized compensation expense, exceeds the option price during a period.  Proceeds from the assumed exercise of dilutive options along with the related tax benefit are assumed to be used to repurchase common shares at the average market price of such stock during the period. Similarly, outstanding warrants are dilutive when the average market price of the Company’s common stock exceeds the exercise price during a period.  Proceeds from the assumed exercise of dilutive warrants are assumed to be used to repurchase common shares at the average market price of such stock during the period.
	Options to purchase common shares totaling 450,758, 579,891, and 666,790 were excluded from the computations of diluted earnings per share for the years ended September 30, 2013, 2012 and 2011, respectively, because the exercise price of the options, when combined with the effect of the unamortized compensation expense, were greater than the average market price of the common shares and were considered anti-dilutive.

DEBT_AND_MORTGAGEBACKED_SECURI

DEBT AND MORTGAGE-BACKED SECURITIES	12 Months Ended
	Sep. 30, 2013
DEBT AND MORTGAGE-BACKED SECURITIES	'
DEBT AND MORTGAGE-BACKED SECURITIES	'
	3.              DEBT AND MORTGAGE-BACKED SECURITIES
	The amortized cost and estimated fair value of debt and mortgage-backed securities held to maturity and available for sale at September 30, 2013 and September 30, 2012 are summarized as follows:
		September 30, 2013
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	HELD TO MATURITY:
	Mortgage-backed securities:
	Ginnie Mae	$	63,961		$	2,250	$	—		$	66,211
	Fannie Mae	4,225,929			240,972		—			4,466,901
	Total	4,289,890			243,222		—			4,533,112
	Collateralized mortgage obligations:
	Freddie Mac	4,206			41		—			4,247
	Total held to maturity	$	4,294,096		$	243,263	$	—		$	4,537,359
	Weighted average yield at end of year	3.72		%
	AVAILABLE FOR SALE:
	Debt obligations of U.S. Treasury	$	9,038,947		$	3,240	$	—		$	9,042,187
	Debt obligations of government-sponsored entities	29,698,954			5,059		(55,302		)	29,648,711
	Mortgage-backed securities:
	Ginnie Mae	220,126			5,809		—			225,935
	Total available for sale	$	38,958,027		$	14,108	$	(55,302	)	$	38,916,833
	Weighted average yield at end of year	0.32		%
		September 30, 2012
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	HELD TO MATURITY:
	Mortgage-backed securities:
	Ginnie Mae	$	89,752		$	13,085	$	—		$	102,837
	Fannie Mae	5,562,187			426,125		—			5,988,312
	Total	5,651,939			439,210		—			6,091,149
	Collateralized mortgage obligations:
	Freddie Mac	5,024			54		—			5,078
	Total held to maturity	$	5,656,963		$	439,264	$	—		$	6,096,227
	Weighted average yield at end of year	3.76		%
	AVAILABLE FOR SALE:
	Debt obligations of government-sponsored entities	$	21,594,679		$	4,705	$	(4,289	)	$	21,595,095
	Mortgage-backed securities:
	Ginnie Mae	292,101			34,221		—			326,322
	Total available for sale	$	21,886,780		$	38,926	$	(4,289	)	$	21,921,417
	Weighted average yield at end of year	0.46		%
	As of September 30, 2013 and 2012, the Company had no debt or mortgage-backed securities that were in a continuous loss position for twelve months or more and thus, based on the existing facts and circumstances, no other-than-temporary impairment exists.
	Debt and mortgage-backed securities with carrying values totaling approximately $42.7 million and $27.3 million at September 30, 2013 and 2012, respectively, were pledged to secure deposits of public entities, trust funds, retail repurchase agreements and for other purposes as required by law.
	The amortized cost and fair values of held-to-maturity and available-for-sale debt and mortgage-backed securities at September 30, 2013, by contractual maturity, are shown below.
		Held to Maturity					Available for Sale
		Amortized			Fair		Amortized			Fair
		Cost			Value		Cost			Value
	Term to Maturity:
	One year or less	$	—		$	—	$	25,372,454		$	25,372,477
	Over one through five years	63,961			66,211		11,890,447			11,873,712
	Over five through ten years	205,275			210,220		1,574,683			1,550,201
	Over ten years	4,024,860			4,260,928		120,443			120,443
	Tota1	$	4,294,096		$	4,537,359	$	38,958,027		$	38,916,833
	Actual maturities of mortgage-backed securities may differ from scheduled maturities depending on the repayment characteristics and experience of the underlying financial instruments.
	There were no proceeds from sales of available-for-sale securities during the years ended September 30, 2013, 2012 and 2011.

LOANS_RECEIVABLE_AND_ALLOWANCE

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Sep. 30, 2013
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
	4.              LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
	Loans receivable at September 30, 2013 and 2012 are summarized as follows:
		2013			2012
	Single-family residential:
	Residential first mortgage	$	212,357,311		$	211,759,949
	Residential second mortgage	43,208,366			42,091,046
	Home equity lines of credit	110,905,455			143,931,567
	Total single-family residential	366,471,132			397,782,562
	Commercial:
	Commercial and multi-family real estate	348,002,617			323,333,936
	Land acquisition and development	40,430,063			47,262,727
	Real estate construction and development	20,548,621			21,906,992
	Commercial and industrial	226,828,695			197,754,774
	Total commercial	635,809,996			590,258,429
	Consumer and installment	2,761,104			2,673,925
		1,005,042,232			990,714,916
	Add (less):
	Deferred loan costs	3,188,386			3,115,384
	Loans in process	(1,256,236		)	(986,063		)
	Allowance for loan losses	(18,306,114		)	(17,116,595		)
	Total	$	988,668,268		$	975,727,642
	Weighted average rate at end of year	4.45		%	4.92		%
	The Bank has made loans to officers and directors in the ordinary course of business on substantially the same terms and conditions, including interest rates and collateral, as those prevailing for comparable transactions with other customers and did not, in the opinion of management, involve more than normal credit risk at the time of origination.
	Changes in loans to senior officers and directors for the years ended September 30, 2013 and 2012 are summarized as follows:
	Balance, September 30, 2011	$	12,708,975
	Additions	583,232
	Repayments and reclassifications	(12,214,836		)
	Balance, September 30, 2012	1,077,371
	Additions	1,125,408
	Repayments and reclassifications	(669,534		)
	Balance, September 30, 2013	$	1,533,245
	Home equity lines of credit to senior officers and directors totaled $566,000, of which $162,000 had been disbursed as of September 30, 2013.
	At September 30, 2013, and 2012, the Bank was servicing loans for others totaling approximately $6.4 million and $10.1 million, respectively. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts, disbursing payments to investors and foreclosure processing. Loan servicing income is recorded on the accrual basis and includes servicing fees received from investors and certain charges collected from borrowers.
	Allowance for Loan Losses
	The Company maintains an allowance for loan losses to absorb probable losses in the Company’s loan portfolio.  Loan charge-offs are charged against and recoveries are credited to the allowance.  Provisions for loan losses are charged to income and credited to the allowance in an amount necessary to maintain an adequate allowance given the risks identified in the entire portfolio.  The allowance is comprised of specific allowances on impaired loans (assessed for loans that have known credit weaknesses) and pooled or general allowances based on a number of factors discussed below, including historical loan loss experience for each loan type.  The allowance is based upon management’s estimates of probable losses inherent in the loan portfolio.
	In general, impairment losses on all single-family residential real estate loans that become 180 days past due and all consumer loans that become 120 days past due are recognized through charge-offs to the allowance for loan losses.  For impaired single-family residential real estate and consumer loans that do not meet these criteria, management considers many factors before charging off a loan and might establish a specific reserve in lieu of a charge-off if management determines that the circumstances affecting the collectability of the loan are subject to change.  While the delinquency status of the loan is a primary factor in determining whether to establish a specific reserve or record a charge-off, other key factors are considered, including the overall financial condition of the borrower, the progress of management’s collection efforts and the value of the underlying collateral.  For purposes of determining the general allowance for loan losses, all residential and consumer loan charge-offs and changes in the level of specific reserves are included in the determination of historical loss rates for each pool of loans with similar risk characteristics, as described below.
	For commercial loans, all or a portion of a loan is charged off when circumstances indicate that a loss is probable and there is no longer a reasonable expectation that a change in such circumstances will result in the collection of the full amount of the loan.  Similar to single-family residential real estate loans, management considers many factors before charging off a loan and might establish a specific reserve in lieu of a charge-off if management determines that the circumstances affecting the collectability of the loan are subject to change.  While the delinquency status of the loan is a primary factor, other key factors are considered and the Company does not charge off commercial loans based solely on a predetermined length of delinquency.  The other factors considered include the overall financial condition of the borrower, the progress of management’s collection efforts and the value of the underlying collateral.  For purposes of determining the general allowance for loan losses, all commercial loan charge-offs and changes in the level of specific reserves are included in the determination of historical loss rates for each pool of loans with similar risk characteristics, as described below.
	As the result of the Company’s required change from the Office of Thrift Supervision’s (“OTS”) Thrift Financial Reports to the Office of the Comptroller of the Currency’s (“OCC”) Call Reports that became effective March 31, 2012, the Company modified its charge-off policy during the three months ended March 31, 2012 to comply with the OCC’s guidelines.  As permitted by the OTS, the Company had previously used specific loan loss reserves to recognize impairment charges on certain collateral-dependent loans under certain circumstances.  In general under the Company’s previous policy, a specific reserve could have been recorded in lieu of a charge-off on an impaired collateral-dependent loan when management believed that the borrower still had the ability to bring the loan current or could provide additional collateral.  The Company did not charge off loans based solely on a predetermined length of delinquency.  Also, to enhance tracking of payment performance and facilitate billing and collection efforts, specific reserves were generally established in lieu of partial charge-offs on single-family residential real estate loans.  Once collection efforts failed, all or a portion of the loan was generally charged off, as appropriate.  The OCC generally requires such impairment charges to be recognized through loan charge-offs.  For purposes of determining the general allowance for loan losses, all charge-offs and changes in the level of specific reserves were included in the determination of historical loss rates for each pool of loans with similar risk characteristics.  As the result of the modifications to the loan charge-off policy to comply with the OCC’s guidance, the Company recorded $5.9 million of charge-offs during the March 2012 quarter for loans that it had established specific reserves in previous periods.  Because these losses had been recognized in prior periods, the charge-off of the $5.9 million of specific reserves had no impact on the Company’s provision for loan losses or stockholders’ equity during the year ended September 30, 2012.
	During the fourth quarter of 2012, the Company adopted newly-issued industry-wide guidance from the OCC that clarified the accounting treatment for mortgage and consumer loans where the borrower’s obligation was discharged in bankruptcy and the borrower did not reaffirm the debt.  The guidance clarified that such loans should be classified as non-accrual and should be charged off to reflect the underlying collateral value less costs to sell even if the borrower is current on all payments.  Following previous regulatory guidance, the Company had historically restored such loans to accrual status if the borrower had made six consecutive timely payments and certain other criteria were met.  This clarification resulted in charge-offs totaling $697,000 in the fourth quarter of 2012 and a $713,000 increase in non-accrual loans at September 30, 2012.  While the impact of the OCC clarification accelerated charge-offs of such loans, the allowance for loan losses contained full coverage for these charge-offs resulting in no corresponding increase in the provision for loan losses in the period the guidance was adopted.
	For purposes of determining the general allowance for loan losses, the Company has segmented its loan portfolio into the following pools (or segments) that have similar risk characteristics: residential loans, commercial loans and consumer loans.  Loans within these segments are further divided into subsegments, or classes, based on the associated risks within these subsegments. Residential loans are divided into three classes, including single-family first mortgage loans, single-family second mortgage loans and home equity lines of credit.  Commercial loans are divided into four classes, including land acquisition and development loans, real estate construction and development loans, commercial and multi-family real estate loans, and commercial and industrial loans.  Consumer loans are not subsegmented because of the small balance in this segment.
	The following is a summary of the significant risk characteristics for each segment of loans:
	Residential mortgage loans are secured by one- to four-family residential properties with loan-to-value ratios at the time of origination generally equal to 80% or less.  Such loans with loan-to-value ratios of greater than 80% at the time of origination generally require private mortgage insurance.  Second mortgage loans and home equity lines of credit generally involve greater credit risk than first mortgage loans because they are secured by mortgages that are subordinate to the first mortgage on the property.  If the borrower is forced into foreclosure, the Company will receive no proceeds from the sale of the property until the first mortgage loan has been completely repaid.  Second mortgage loans and home equity lines of credit often have high loan-to-value ratios when combined with the first mortgage loan on the property.  Loans with high combined loan-to-value ratios will be more sensitive to declining property values than loans with lower combined loan-to-value ratios, and therefore, may experience a higher incidence of default and severity of losses.  Prior to 2008, the Company offered second mortgage loans that exceeded 80% combined loan-to-value ratios, which were priced with enhanced yields.  The Company continues to offer second mortgage loans, but only up to 80% of the collateral values and on a limited basis to credit-worthy borrowers.  However, the current underwriting guidelines are more stringent due to the current adverse economic environment.  Since substantially all second mortgage loans and home equity lines of credit are originated in conjunction with the origination of first mortgage loans eligible for sale in the secondary market, and the Company typically does not service the related first mortgage loans if they are sold, the Company may be unable to track the delinquency status of the related first mortgage loans and whether such loans are at risk of foreclosure by others.
	Home equity lines of credit are initially offered as “revolving” lines of credit whereby funds can be borrowed during a “draw” period. The only required payments during the draw period are scheduled monthly interest payments.  In previous years, the Company offered home equity lines of credit with ten-year maturities that included a draw period for the entire ten years. The full principal amount was due at the end of the draw period as a lump-sum balloon payment and no required monthly principal payments were due prior to maturity.  Beginning in 2012, the Company discontinued this product and began offering home equity lines of credit with 15-year maturities, including an initial five-year draw period requiring interest-only payments, followed by the required monthly payment of principal and interest on a fully-amortizing basis for the remaining ten-year term.  The conversion of a home equity line of credit to a fully amortizing basis presents an increased level of default risk to the Company since the borrower no longer has the ability to make principal draws on the line, and the amount of the required monthly payment could substantially increase to provide for scheduled repayment of principal and interest.  At September 30, 2013, all of the Company’s home equity lines of credit were in the interest-only payment phase and all of its second mortgage loans were fully amortizing.  The following table summarizes when home equity lines of credit at September 30, 2013 are scheduled to convert to a fully-amortizing basis:
		Principal Balance
		At September 30,
		2013
		(In thousands)
	Year ended September 30,
	2014	$	17,816
	2015	13,123
	2016	20,232
	2017	24,664
	2018	32,267
	Thereafter	2,803
	Total	$	110,905
	Commercial loans represent loans to varying types of businesses, including municipalities, school districts and nonprofit organizations, to support working capital, operational needs and term financing of equipment.  Repayment of such loans is generally provided through operating cash flows of the business.  Commercial and multi-family real estate loans include loans secured by real estate occupied by the borrower for ongoing operations, non-owner occupied real estate leased to one or more tenants and greater-than-four family apartment buildings.  Land acquisition and development loans are made to borrowers for the purpose of infrastructure improvements to vacant land to create finished marketable residential and commercial lots or land.  Most land development loans are originated with the intent that the loans will be paid through the sale of developed lots or land by the developers generally within twelve months of the completion date.  Real estate construction and development loans include secured loans for the construction of residential properties by real estate professionals and, to a lesser extent, individuals, and business properties that often convert to a commercial real estate loan at the completion of the construction period.  Commercial and industrial loans include loans made to support working capital, operational needs and term financing of equipment and are generally secured by equipment, inventory, accounts receivable and personal guarantees of the owner.  Repayment of such loans is generally provided through operating cash flows of the business, with the liquidation of collateral as a secondary repayment source.
	Consumer loans include primarily loans secured by savings accounts and automobiles.  Savings account loans are fully secured by restricted deposit accounts held at the Bank.  Automobile loans include loans secured by new and pre-owned automobiles.
	In determining the allowance and the related provision for loan losses, the Company establishes valuation allowances based upon probable losses identified during the review of impaired loans. These estimates are based upon a number of objective factors, such as payment history, financial condition of the borrower, expected future cash flows and discounted collateral exposure.  For further information, see the discussion of impaired loans below.  In addition, all loans that are not evaluated individually for impairment and any individually evaluated loans determined not to be impaired are segmented into groups based on similar risk characteristics as described above.  Historical loss rates for each risk group, which are updated quarterly, are quantified using all recorded loan charge-offs, changes in specific allowances on loans and real estate acquired through foreclosure and any gains and losses on the final disposition of real estate acquired through or in lieu of foreclosure.  These historical loss rates for each risk group are used as the starting point to determine the level of allowance.  The Company’s methodology includes risk factors that allow management to adjust its estimates of losses based on the most recent information available.  Such risk factors are generally reviewed and updated quarterly, as appropriate, and are adjusted to reflect actual changes and anticipated changes in national and local economic conditions and developments, the volume and severity of delinquent and internally classified loans, including the impact of scheduled loan maturities, loan concentrations, assessment of trends in collateral values, assessment of changes in borrowers’ financial stability, and changes in lending policies and procedures, including underwriting standards and collections, charge-off and recovery practices.
	In addition, various regulatory agencies, as an integral part of their examination process, periodically review the allowance for loan losses.  Such agencies may require the Company to modify its allowance for loan losses based on their judgment about information available to them at the time of their examination.
	The following table summarizes the activity in the allowance for loan losses for the years ended September 30, 2013, 2012 and 2011:
		2013			2012			2011
	Balance, beginning of year	$	17,116,595		$	25,713,622		$	26,975,717
	Provision charged to expense	12,090,000			14,450,000			14,800,000
Charge-offs:
Residential real estate loans:
Residential real estate first mortgage	3,364,443			8,034,624			4,519,629
Residential real estate second mortgage	1,632,770			2,696,028			2,094,004
Home equity lines of credit	2,401,726			6,028,622			3,002,230
Total residential real estate loans	7,398,939			16,759,274			9,615,863
Commercial loans:
Commercial & multi-family real estate	1,012,650			4,050,492			1,545,367
Land acquisition & development	73,094			261,725			4,382,462
Real estate construction & development	259,743			298,045			49,900
Commercial & industrial	6,833,856			2,067,253			773,848
Total commercial loans	8,179,343			6,677,515			6,751,577
Consumer and other	107,094			215,456			100,551
Total charge-offs	15,685,376			23,652,245			16,467,991
Recoveries:
Residential real estate loans:
Residential real estate first mortgage	79,968			81,260			66,500
Residential real estate second mortgage	232,353			103,321			117,374
Home equity lines of credit	544,177			150,146			153,868
Total residential real estate loans	856,498			334,727			337,742
Commercial loans:
Commercial & multi-family real estate	1,638,249			113,837			10,950
Land acquisition & development	23,160			7,716			2,415
Real estate construction & development	1,800,303			10,200			1,293
Commercial & industrial	421,464			117,405			44,883
Total commercial loans	3,883,176			249,158			59,541
Consumer and other	45,221			21,333			8,613
Total recoveries	4,784,895			605,218			405,896
Net charge-offs	10,900,481			23,047,027			16,062,095
Balance, end of year	$	18,306,114		$	17,116,595		$	25,713,622
The following table summarizes, by loan portfolio segment, the changes in the allowance for loan losses for the years ended September 30, 2013 and 2012, respectively.
	September 30, 2013
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
Provision charged to expense	7,168,043			4,773,790			58,548			89,619			12,090,000
Charge-offs	(7,398,939		)	(8,179,343		)	(107,094		)	—			(15,685,376		)
Recoveries	856,498			3,883,176			45,221			—			4,784,895
Balance, end of year	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
	September 30, 2012
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of year	$	16,842,446		$	8,256,032		$	444,281		$	170,863		$	25,713,622
Provision charged to expense	8,930,212			5,805,628			(221,886		)	(63,954		)	14,450,000
Charge-offs	(16,759,274		)	(6,677,515		)	(215,456		)	—			(23,652,245		)
Recoveries	334,727			249,158			21,333			—			605,218
Balance, end of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
The following table summarizes the information regarding the balance in the allowance and the recorded investment in loans by impairment method as of September 30, 2013 and 2012, respectively.
	September 30, 2013
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Allowance balance at end of year based on:
Loans individually evaluated for impairment	$	1,852,701		$	536,529		$	16,487		$	—		$	2,405,717
Loans collectively evaluated for impairment	8,121,012			7,574,397			8,460			196,528			15,900,397
Loans acquired with deteriorated credit quality	—			—			—			—			—
Total balance, end of year	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
Recorded investment in loans receivable at end of year:
Total loans receivable	$	368,073,208		$	636,138,165		$	2,763,009					$	1,006,974,382
Loans receivable individually evaluated for impairment	18,902,744			8,758,681			106,724						27,768,149
Loans receivable collectively evaluated for impairment	349,170,464			627,379,484			2,656,285						979,206,233
Loans receivable acquired with deteriorated credit quality	—			—			—						—
	September 30, 2012
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Allowance balance at end of year based on:
Loans individually evaluated for impairment	$	624,825		$	—		$	—		$	—		$	624,825
Loans collectively evaluated for impairment	8,723,286			7,633,303			28,272			106,909			16,491,770
Loans acquired with deteriorated credit quality	—			—			—			—			—
Total balance, end of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
Recorded investment in loans receivable at end of year:
Total loans receivable	$	398,732,907		$	591,431,264		$	2,680,065					$	992,844,236
Loans receivable individually evaluated for impairment	42,642,539			22,271,208			208,620						65,122,367
Loans receivable collectively evaluated for impairment	356,090,368			569,160,056			2,471,445						927,721,869
Loans receivable acquired with deteriorated credit quality	—			—			—						—
Impaired Loans
The following is a summary of the unpaid principal balance and recorded investment of impaired loans as of September 30, 2013 and 2012.  The unpaid principal balances and recorded investments have been reduced by all partial charge-offs of the related loans to the allowance for loan losses.  The recorded investment of certain loan categories exceeds the unpaid principal balance of such categories as the result of the deferral and capitalization of certain direct loan origination costs, net of any origination fees collected, under Accounting Standards Codification (“ASC”) 310-20-30.
	September 30, 2013						September 30, 2012
	Unpaid						Unpaid
	Principal						Principal
	Balance						Balance
	Net of			Recorded			Net of			Recorded
	Charge-offs			Investment			Charge-offs			Investment
Classified as non-performing loans: (1)
Non-accrual loans	$	9,752,803		$	9,812,044		$	17,462,262		$	17,503,014
Troubled debt restructurings current under restructured terms	11,305,093			11,371,198			22,198,364			22,284,401
Troubled debt restructurings past due under restructured terms	6,549,904			6,584,907			7,816,737			7,855,686
Total non-performing loans	27,607,800			27,768,149			47,477,363			47,643,101
Troubled debt restructurings returned to accrual status	23,418,016			23,528,528			17,402,455			17,479,266
Total impaired loans	$	51,025,816		$	51,296,677		$	64,879,818		$	65,122,367
(1) All non-performing loans at September 30, 2013 and 2012 were classified as non-accrual.
A loan is considered to be impaired when, based on current information and events, management determines that the Company will be unable to collect all amounts due according to the loan contract, including scheduled interest payments.  When a loan is identified as impaired, the amount of impairment loss is measured based on either the present value of expected future cash flows, discounted at the loan’s effective interest rate, or for collateral-dependent loans, observable market prices or the current fair value of the collateral.  See Impaired Loans under Note 19, Fair Value Measurements.  If the amount of impairment loss is measured based on the present value of expected future cash flows, the entire change in present value is recorded in the provision for loan losses.  If the fair value of the collateral is used to measure impairment of a collateral-dependent loan and repayment or satisfaction of the loan is dependent on the sale of the collateral, the fair value of the collateral is adjusted to consider estimated costs to sell.  However, if repayment or satisfaction of the loan is dependent only on the operation, rather than the sale of the collateral, the measurement of impairment does not incorporate estimated costs to sell the collateral.  If the value of the impaired loan is determined to be less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), an impairment charge is recognized through a provision for loan losses.  The following table summarizes the principal balance, net of amounts charged off, of impaired loans at September 30, 2013 and 2012 by the impairment method used.
	2013			2012
	(In thousands)
Fair value of collateral method	$	39,691		$	42,405
Present value of cash flows method	11,335			22,475
Total impaired loans	$	51,026		$	64,880
Loans considered for individual impairment analysis include loans that are past due, loans that have been placed on non-accrual status, troubled debt restructurings, loans with internally assigned credit risk ratings that indicate an elevated level of risk, and loans that management has knowledge of or concerns about the borrower’s ability to pay under the contractual terms of the note.  Residential loans to be evaluated for impairment are generally identified through a review of loan delinquency reports, internally-developed risk classification reports, and discussions with the Bank’s loan collectors.  Commercial loans evaluated for impairment are generally identified through a review of loan delinquency reports, internally-developed risk classification reports, discussions with loan officers, discussions with borrowers, periodic individual loan reviews and local media reports indicating problems with a particular project or borrower.  Commercial loans are individually reviewed and assigned a credit risk rating periodically by the internal loan committee.  See discussion of credit quality below.
The following tables contain a summary of the unpaid principal balances of impaired loans segregated by loans that had partial charge-offs recorded and loans with no partial charge-offs recorded, and the related recorded investments and allowance for loan losses as of September 30, 2013 and 2012.  The recorded investments have been reduced by all partial charge-offs.
	September 30, 2013
	Loans with Partial Charge-offs Recorded									Unpaid			Total
							Unpaid			Principal			Unpaid			Total
							Principal			Balance			Principal			Recorded
				Less			Balance			of Loans			Balance			Investment		Related
	Unpaid			Amount of			Net of			With No			Net of			Net of		Allowance
	Principal			Partial			Partial			Partial			Partial			Partial		For Loan
	Balance			Charge-offs			Charge-offs			Charge-offs			Charge-offs			Charge-offs		Losses
WITH NO RELATED ALLOWANCE RECORDED:
Residential real estate first mortgage	$	4,817,704		$	1,892,403		$	2,925,301		$	22,621,982		$	25,547,283		$	25,712,587	$	—
Residential real estate second mortgage	961,909			473,023			488,886			2,648,996			3,137,882			3,154,434		—
Home equity lines of credit	709,439			290,032			419,407			2,715,868			3,135,275			3,135,274		—
Total residential real estate	6,489,052			2,655,458			3,833,594			27,986,846			31,820,440			32,002,295		—
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction & development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial & multi-family real estate	3,827,364			1,159,528			2,667,836			7,628,698			10,296,534			10,343,639		—
Commercial & industrial	2,239,375			1,434,034			805,341			1,459,460			2,264,801			2,275,433		—
Total commercial	6,426,096			2,868,184			3,557,912			9,088,158			12,646,070			12,701,217		—
Consumer and other	121,830			93,842			27,988			111,912			139,900			140,480		—
Total	13,036,978			5,617,484			7,419,494			37,186,916			44,606,410			44,843,992		—
WITH AN ALLOWANCE RECORDED:
Residential real estate first mortgage	286,226			68,947			217,279			3,574,340			3,791,619			3,823,190		1,068,205
Residential real estate second mortgage	—			—			—			386,847			386,847			388,532		255,196
Home equity lines of credit	278,663			34,664			243,999			465,885			709,884			709,884		529,300
Total residential real estate	564,889			103,611			461,278			4,427,072			4,888,350			4,921,606		1,852,701
Land acquisition and development	—			—			—			—			—			—		—
Real estate construction & development	—			—			—			—			—			—		—
Commercial & multi-family real estate	1,251,458			141,660			1,109,798			36,915			1,146,713			1,146,988		351,047
Commercial & industrial	—			—			—			367,856			367,856			367,605		185,482
Total commercial	1,251,458			141,660			1,109,798			404,771			1,514,569			1,514,593		536,529
Consumer and other	—			—			—			16,487			16,487			16,486		16,487
Total	1,816,347			245,271			1,571,076			4,848,330			6,419,406			6,452,685		2,405,717
TOTAL:
Residential real estate first mortgage	5,103,930			1,961,350			3,142,580			26,196,322			29,338,902			29,535,777		1,068,205
Residential real estate second mortgage	961,909			473,023			488,886			3,035,843			3,524,729			3,542,966		255,196
Home equity lines of credit	988,102			324,696			663,406			3,181,753			3,845,159			3,845,158		529,300
Total residential real estate	7,053,941			2,759,069			4,294,872			32,413,918			36,708,790			36,923,901		1,852,701
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction & development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial & multi-family real estate	5,078,822			1,301,188			3,777,634			7,665,613			11,443,247			11,490,627		351,047
Commercial & industrial	2,239,375			1,434,034			805,341			1,827,316			2,632,657			2,643,038		185,482
Total commercial	7,677,554			3,009,844			4,667,710			9,492,929			14,160,639			14,215,810		536,529
Consumer and other	121,830			93,842			27,988			128,399			156,387			156,966		16,487
Total	$	14,853,325		$	5,862,755		$	8,990,570		$	42,035,246		$	51,025,816		$	51,296,677	$	2,405,717
	September 30, 2012
	Loans with Partial Charge-offs Recorded									Unpaid			Total
							Unpaid			Principal			Unpaid			Total
							Principal			Balance			Principal			Recorded
				Less			Balance			of Loans			Balance			Investment		Related
	Unpaid			Amount of			Net of			With No			Net of			Net of		Allowance
	Principal			Partial			Partial			Partial			Partial			Partial		For Loan
	Balance			Charge-offs			Charge-offs			Charge-offs			Charge-offs			Charge-offs		Losses
WITH NO RELATED ALLOWANCE RECORDED:
Residential real estate first mortgage	$	6,500,049		$	2,503,149		$	3,996,900		$	26,552,991		$	30,549,891		$	30,706,940	$	—
Residential real estate second mortgage	631,528			343,820			287,708			3,538,534			3,826,242			3,840,089		—
Home equity lines of credit	1,127,439			512,177			615,262			2,820,956			3,436,218			3,436,217		—
Total residential real estate	8,259,016			3,359,146			4,899,870			32,912,481			37,812,351			37,983,246		—
Land acquisition and development	53,858			14,849			39,009			—			39,009			39,009		—
Real estate construction & development	114,445			49,645			64,800			327,016			391,816			388,767		—
Commercial & multi-family real estate	9,361,052			3,005,180			6,355,872			9,735,952			16,091,824			16,133,126		—
Commercial & industrial	5,177,432			908,887			4,268,545			1,437,551			5,706,096			5,710,306		—
Total commercial	14,706,787			3,978,561			10,728,226			11,500,519			22,228,745			22,271,208		—
Consumer and other	160,850			113,896			46,954			158,502			205,456			208,620		—
Total	23,126,653			7,451,603			15,675,050			44,571,502			60,246,552			60,463,074		—
WITH AN ALLOWANCE RECORDED:
Residential real estate first mortgage	748,388			226,226			522,162			3,385,622			3,907,784			3,932,673		346,365
Residential real estate second mortgage	—			—			—			392,846			392,846			393,983		191,612
Home equity lines of credit	—			—			—			332,636			332,636			332,637		86,848
Total residential real estate	748,388			226,226			522,162			4,111,104			4,633,266			4,659,293		624,825
Land acquisition and development	—			—			—			—			—			—		—
Real estate construction & development	—			—			—			—			—			—		—
Commercial & multi-family real estate	—			—			—			—			—			—		—
Commercial & industrial	—			—			—			—			—			—		—
Total commercial	—			—			—			—			—			—		—
Consumer and other	—			—			—			—			—			—		—
Total	748,388			226,226			522,162			4,111,104			4,633,266			4,659,293		624,825
TOTAL:
Residential real estate first mortgage	7,248,437			2,729,375			4,519,062			29,938,613			34,457,675			34,639,613		346,365
Residential real estate second mortgage	631,528			343,820			287,708			3,931,380			4,219,088			4,234,072		191,612
Home equity lines of credit	1,127,439			512,177			615,262			3,153,592			3,768,854			3,768,854		86,848
Total residential real estate	9,007,404			3,585,372			5,422,032			37,023,585			42,445,617			42,642,539		624,825
Land acquisition and development	53,858			14,849			39,009			—			39,009			39,009		—
Real estate construction & development	114,445			49,645			64,800			327,016			391,816			388,767		—
Commercial & multi-family real estate	9,361,052			3,005,180			6,355,872			9,735,952			16,091,824			16,133,126		—
Commercial & industrial	5,177,432			908,887			4,268,545			1,437,551			5,706,096			5,710,306		—
Total commercial	14,706,787			3,978,561			10,728,226			11,500,519			22,228,745			22,271,208		—
Consumer and other	160,850			113,896			46,954			158,502			205,456			208,620		—
Total	$	23,875,041		$	7,677,829		$	16,197,212		$	48,682,606		$	64,879,818		$	65,122,367	$	624,825
During the years ended September 30, 2013 and 2012, charge-offs of non-performing and impaired loans totaled $15.7 million and $23.7 million, respectively, including partial charge-offs of $3.7 million and $10.7 million, respectively.  At September 30, 2013 and 2012, the remaining principal balance of non-performing and impaired loans for which the Company previously recorded partial charge-offs totaled $9.0 million and $16.2 million, respectively.
The following tables contain a summary of the average recorded investments in impaired loans and the interest income recognized on such loans for the years ended September 30, 2013 and 2012, respectively.  The recorded investments have been reduced by all partial charge-offs.
	Year Ended
	September 30, 2013						September 30, 2012
	Average			Interest			Average			Interest
	Recorded			Income			Recorded			Income
	Investment			Recognized			Investment			Recognized
With no related allowance recorded:
Residential real estate first mortgage	$	28,661,473		$	1,005,357		$	29,553,434		$	1,026,328
Residential real estate second mortgage	3,373,188			131,655			3,426,107			148,162
Home equity lines of credit	3,697,746			38,282			3,492,655			71,781
Land acquisition and development	55,181			—			29,816			—
Real estate construction & development	118,666			—			936,763			4,986
Commercial & multi-family real estate	12,768,153			179,395			12,599,341			883,784
Commercial & industrial	4,606,779			44,508			4,242,100			261,714
Consumer and other	149,888			297			196,759			2,787
Total				1,399,494						2,399,542
With an allowance recorded:
Residential real estate first mortgage	3,386,052			—			8,404,107			78,724
Residential real estate second mortgage	402,864			—			827,732			5,334
Home equity lines of credit	439,541			—			887,651			11,614
Land acquisition and development	—			—			222,104			—
Real estate construction & development	—			—			107,306			—
Commercial & multi-family real estate	745,145			—			1,054,726			—
Commercial & industrial	227,982			—			286,417			—
Consumer and other	4,042			—			87,439			—
Total				—						95,672
Total:
Residential real estate first mortgage	32,047,525			1,005,357			37,957,541			1,105,052
Residential real estate second mortgage	3,776,052			131,655			4,253,839			153,496
Home equity lines of credit	4,137,287			38,282			4,380,306			83,395
Land acquisition and development	55,181			—			251,920			—
Real estate construction & development	118,666			—			1,044,069			4,986
Commercial & multi-family real estate	13,513,298			179,395			13,654,067			883,784
Commercial & industrial	4,834,761			44,508			4,528,517			261,714
Consumer and other	153,930			297			284,198			2,787
Total				$	1,399,494					$	2,495,214
Delinquent and Non-Accrual Loans
The delinquency status of loans is determined based on the contractual terms of the notes.  Borrowers are generally classified as delinquent once payments become 30 days or more past due.  The Company’s policy is to discontinue the accrual of interest income on any loan when, in the opinion of management, the ultimate collectibility of interest or principal is no longer probable.  In general, loans are placed on non-accrual when they become 90 days or more past due.  However, management considers many factors before placing a loan on non-accrual, including the delinquency status of the loan, the overall financial condition of the borrower, the progress of management’s collection efforts and the value of the underlying collateral.  Previously accrued but unpaid interest is charged to current income at the time a loan is placed on non-accrual status.  Subsequent collections of cash may be applied as reductions to the principal balance, interest in arrears, or recorded as income depending on management’s assessment of the ultimate collectibility of the loan.  Non-accrual loans are returned to accrual status when, in the opinion of management, the financial condition of the borrower indicates that the timely collectibility of interest and principal is probable and the borrower demonstrates the ability to pay under the terms of the note through a sustained period of repayment performance, which is generally six months.  Prior to returning a loan to accrual status, the loan is individually reviewed and evaluated.  Many factors are considered prior to returning a loan to accrual status, including a positive change in the borrower’s financial condition or the Company’s collateral position that, together with the sustained period of repayment performance, result in the likelihood of a loss that is no longer probable.
The following is a summary of the recorded investment in loans receivable by class that were 30 days or more past due with respect to contractual principal or interest payments at September 30, 2013 and 2012.  The summary does not include commercial loans that had passed their contractual maturity dates and were in the process of renewal because the borrowers were not past due 30 days or more with respect to their scheduled periodic principal or interest payments.
	September 30, 2013
																		90 Days
							90 Days									Total		or More
	30 to 59 Days			60 to 89 Days			or More			Total						Loans		And Still
	Past Due			Past Due			Past Due			Past Due			Current			Receivable		Accruing		Nonaccrual
Residential real estate:
Residential real estate first mortgage	$	2,661,510		$	1,033,315		$	4,618,113		$	8,312,938		$	204,993,105		$	213,306,043	$	—	$	14,593,039
Residential real estate second mortgage	172,686			44,601			366,645			583,932			42,743,577			43,327,509		—		1,510,637
Home equity lines of credit	1,301,620			706,112			1,210,541			3,218,273			108,221,383			111,439,656		—		2,799,067
Total residential real estate	4,135,816			1,784,028			6,195,299			12,115,143			355,958,065			368,073,208		—		18,902,743
Commercial:
Land acquisition and development	—			—			4,278,495			4,278,495			36,234,753			40,513,248		4,278,495		43,706
Real estate construction & development	18,957			—			—			18,957			20,506,816			20,525,773		—		38,439
Commercial & multi-family real estate	—			278,163			3,108,453			3,386,616			344,732,193			348,118,809		—		6,039,604
Commercial & industrial	24,175			3,509			450,925			478,609			226,501,726			226,980,335		—		2,636,932
Total commercial	43,132			281,672			7,837,873			8,162,677			627,975,488			636,138,165		4,278,495		8,758,681
Consumer and other	555			3,163			16,987			20,705			2,742,304			2,763,009		—		106,725
Total	$	4,179,503		$	2,068,863		$	14,050,159		$	20,298,525		$	986,675,857		$	1,006,974,382	$	4,278,495	$	27,768,149
	September 30, 2012
																		90 Days
							90 Days									Total		or More
	30 to 59 Days			60 to 89 Days			or More			Total						Loans		And Still
	Past Due			Past Due			Past Due			Past Due			Current			Receivable		Accruing		Nonaccrual
Residential real estate:
Residential real estate first mortgage	$	2,567,694		$	3,229,337		$	5,792,387		$	11,589,418		$	200,183,277		$	211,772,695	$	—	$	21,635,255
Residential real estate second mortgage	264,540			273,642			433,195			971,377			41,277,730			42,249,107		—		2,257,475
Home equity lines of credit	1,940,740			902,941			1,182,495			4,026,176			140,684,929			144,711,105		—		3,420,409
Total residential real estate	4,772,974			4,405,920			7,408,077			16,586,971			382,145,936			398,732,907		—		27,313,139
Commercial:
Land acquisition and development	110,308			—			39,009			149,317			47,186,229			47,335,546		—		39,009
Real estate construction & development	—			—			357,643			357,643			21,535,974			21,893,617		—		388,767
Commercial & multi-family real estate	290,776			69,756			8,230,195			8,590,727			315,502,338			324,093,065		—		14,155,739
Commercial & industrial	23,421			—			266,042			289,463			197,819,573			198,109,036		—		5,601,512
Total commercial	424,505			69,756			8,892,889			9,387,150			582,044,114			591,431,264		—		20,185,027
Consumer and other	5,467			4,152			149,861			159,480			2,520,585			2,680,065		—		144,935
Total	$	5,202,946		$	4,479,828		$	16,450,827		$	26,133,601		$	966,710,635		$	992,844,236	$	—	$	47,643,101
Credit Quality
The credit quality of the Company’s residential and consumer loans is primarily monitored on the basis of aging and delinquency, as summarized in the table above.  The credit quality of the Company’s commercial loans is primarily monitored using an internal rating system reflecting management’s risk assessment based on an analysis of several factors including the borrower’s financial condition, the financial condition of the underlying business, cash flows of the underlying collateral and the delinquency status of the loan.  The internal system assigns one of the following five risk gradings.  The “pass” category consists of a range of loan sub-grades that reflect various levels of acceptable risk.  Movement of risk through the various sub-grade levels in the “pass” category is monitored for early identification of credit deterioration.  The “special mention” rating is considered a “watch” rating rather than an “adverse” rating and is assigned to loans where the borrower exhibits negative financial trends due to borrower-specific or systemic conditions that, if left uncorrected, threaten the borrower’s capacity to meet its debt obligations.  The borrower is believed to have sufficient financial flexibility to react to and resolve its negative financial situation. This is a transitional grade that is closely monitored for improvement or deterioration.  The “substandard” rating is assigned to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists.  The “doubtful” rating is assigned to loans that have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, questionable resulting in a high probability of loss.  An asset classified as “loss” is considered uncollectible and of such little value that charge-off is generally warranted.  In limited circumstances, the Company might establish a specific allowance on assets classified as loss if a charge-off is not yet warranted because circumstances are changing and the exact amount of the loss cannot be determined.
The following is a summary of the recorded investment of loan risk ratings by class at September 30, 2013 and 2012.
	September 30, 2013
				Special
	Pass			Mention			Substandard			Doubtful			Loss
Residential real estate first mortgage	$	197,061,832		$	269,891		$	10,833,561		$	5,140,759		$	—
Residential real estate second mortgage	41,767,041			49,831			1,101,032			409,605			—
Home equity lines of credit	108,494,113			—			1,371,395			1,574,148			—
Total residential real estate	347,322,986			319,722			13,305,988			7,124,512			—
Land acquisition and development	27,675,231			6,954,392			5,883,625			—			—
Real estate construction & development	20,487,334			—			38,439			—			—
Commercial & multi-family real estate	324,959,886			6,939,560			16,159,063			60,300			—
Commercial & industrial	218,776,888			4,936,156			3,267,291			—			—
Total commercial	591,899,339			18,830,108			25,348,418			60,300			—
Consumer and other	2,656,284			—			—			106,725			—
Total	941,878,609			19,149,830			38,654,406			7,291,537			—
Less related specific allowance	—			—			(1,058,007		)	(1,347,710		)	—
Total net of allowance	$	941,878,609		$	19,149,830		$	37,596,399		$	5,943,827		$	—
	September 30, 2012
				Special
	Pass			Mention			Substandard			Doubtful			Loss
Residential real estate first mortgage	$	185,061,008		$	462,421		$	23,039,578		$	3,209,688		$	—
Residential real estate second mortgage	39,698,676			181,825			1,779,092			589,514			—
Home equity lines of credit	139,910,992			146,631			3,511,016			1,142,466			—
Total residential real estate	364,670,676			790,877			28,329,686			4,941,668			—
Land acquisition and development	34,632,857			4,549,053			8,153,636			—			—
Real estate construction & development	21,504,850			—			34,173			354,594			—
Commercial & multi-family real estate	297,366,661			1,189,914			22,729,017			2,807,473			—
Commercial & industrial	184,570,394			575,990			12,962,652			—			—
Total commercial	538,074,762			6,314,957			43,879,478			3,162,067			—
Consumer and other	2,535,130			—			—			144,935			—
Total	905,280,568			7,105,834			72,209,164			8,248,670			—
Less related specific allowance	—			—			(624,825		)	—			—
Total net of allowance	$	905,280,568		$	7,105,834		$	71,584,339		$	8,248,670		$	—
Troubled Debt Restructurings
The following is a summary of the unpaid principal balance and recorded investment of troubled debt restructurings as of September 30, 2013 and 2012.  The recorded investments and unpaid principal balances have been reduced by all partial charge-offs of the related loans to the allowance for loan losses.  The recorded investment of certain loan categories exceeds the unpaid principal balance of such categories as the result of the deferral and capitalization of certain direct loan origination costs, net of any origination fees collected, under ASC 310-20-30.
	September 30, 2013						September 30, 2012
	Unpaid						Unpaid
	Principal						Principal
	Balance						Balance
	Net of			Recorded			Net of			Recorded
	Charge-offs			Investment			Charge-offs			Investment
Classified as non-performing loans (1):
Current under restructured terms	$	11,305,093		$	11,371,198		$	22,198,364		$	22,284,401
Past due under restructured terms	6,549,904			6,584,907			7,816,737			7,855,686
Total non-performing	17,854,997			17,956,105			30,015,101			30,140,087
Returned to accrual status	23,418,016			23,528,528			17,402,455			17,479,266
Total troubled debt restructurings	$	41,273,013		$	41,484,633		$	47,417,556		$	47,619,353
(1) All non-performing loans at September 30, 2013 and 2012 were classified as non-accrual.
A loan is classified as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower that it would not otherwise consider.  Such concessions related to residential mortgage and consumer loans usually include a modification of loan terms, such as a reduction of the rate to below-market terms, adding past-due interest to the loan balance, extending the maturity date, or a discharge in bankruptcy and the borrower has not reaffirmed the debt.  Such concessions related to commercial loans usually include a modification of loan terms, such as a reduction of the rate to below-market terms, adding past-due interest to the loan balance or extending the maturity date, and, to a much lesser extent, a partial forgiveness of debt.  In addition, because of their short term nature, a commercial loan could be classified as a troubled debt restructuring if the loan matures, the borrower is considered troubled and the scheduled renewal rate on the loan is determined to be less than a risk-adjusted market interest rate on a similar credit.  A loan classified as a troubled debt restructuring will generally retain such classification until the loan is paid in full.  However, a restructured loan that is in compliance with its modified terms and yields a market rate of interest at the time of restructuring is removed from the troubled debt restructuring classification once the borrower demonstrates the ability to pay under the terms of the restructured note through a sustained period of repayment performance, which is generally one year.  Interest income on restructured loans is accrued at the reduced rate and the loan is returned to performing status once the borrower demonstrates the ability to pay under the terms of the restructured note through a sustained period of repayment performance, which is generally six months.  Loans classified as troubled debt restructurings are evaluated individually for impairment.  See Impaired Loans.  In addition, all charge-offs and changes in the specific allowances related to loans classified as troubled debt restructurings are included in the historical loss rates used to determine the allowance and related provision for loan losses, as discussed above.
Loans that were restructured within the years ended September 30, 2013, 2012 and 2011 and loans that were restructured during the preceding twelve months and defaulted during the years ended September 30, 2013, 2012 and 2011 are presented within the table below. The Company considers a loan to have defaulted when it becomes 90 or more days delinquent under the modified terms, has been transferred to non-accrual status, has been charged off or has been acquired through or in lieu of foreclosure.
										Restructured During Preceding
	Total Restructured During									Twelve Months and Defaulted During
	Year Ended September 30,									Year Ended September 30,
	2013			2012			2011			2013			2012			2011
Residential mortgage loans	$	3,950,779		$	7,667,713		$	11,916,113		$	3,611,561		$	17,826,288		$	12,931,213
Commercial loans	5,086,481			7,689,631			7,806,257			89,296			1,607,578			650,959
Consumer loans	1,341			41,954			—			—			312,165			—
Total	$	9,038,601		$	15,399,298		$	19,722,370		$	3,700,857		$	19,746,031		$	13,582,172
The amount of additional undisbursed funds that were committed to borrowers who were included in troubled debt restructured status at September 30, 2013 and 2012 was $175,000 and $5,000, respectively.
The financial impact of troubled debt restructurings can include loss of interest due to reductions in interest rates and partial or total forgiveness of accrued interest, and increases in the provision for losses.  The gross amount of interest that would have been recognized under the original terms of renegotiated loans was $3.0 million and $3.4 million for the years ended September 30, 2013 and 2012, respectively.  The actual amount of interest income recognized under the restructured terms totaled $1.1 million and $2.1 million for the years ended September 30, 2013 and 2012.  Provisions for losses related to restructured loans totaled $2.5 million and $3.6 million for the years ended September 30, 2013 and 2012, respectively.   Specific loan loss allowance related to troubled debt restructurings were $1.3 million and $625,000 at September 30, 2013 and 2012, respectively.

REAL_ESTATE_ACQUIRED_IN_SETTLE

REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	12 Months Ended
	Sep. 30, 2013
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'
	5.                      REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS
	Real estate acquired in settlement of loans at September 30, 2013 and 2012 is summarized as follows:
		2013			2012
	Residential real estate	$	5,162,875		$	2,798,934
	Commercial real estate	3,069,637			15,860,009
		8,232,512			18,658,943
	Less allowance for losses	(1,837,800		)	(4,706,775		)
	Total	$	6,394,712		$	13,952,168
	Activity in the allowance for losses on real estate acquired in settlement of loans for the years ended September 30, 2013, 2012 and 2011 is summarized as follows:
		2013			2012			2011
	Balance, beginning of year	$	4,706,775		$	2,515,800		$	1,651,100
	Provision charged to non-interest expense	1,770,126			3,175,919			2,118,500
	Charge-offs	(4,639,101		)	(984,944		)	(1,253,800		)
	Balance, end of year	$	1,837,800		$	4,706,775		$	2,515,800

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2013
PREMISES AND EQUIPMENT	'
PREMISES AND EQUIPMENT	'
	6.                      PREMISES AND EQUIPMENT
	Premises and equipment at September 30, 2013 and 2012 are summarized as follows:
		2013			2012
	Land	$	5,578,914		$	5,578,914
	Office buildings and improvements	16,194,896			16,120,660
	Furniture and equipment	13,177,233			12,742,901
		34,951,043			34,442,475
	Less accumulated depreciation	(17,091,930		)	(16,026,498		)
	Total	$	17,859,113		$	18,415,977
	Depreciation expense on premises and equipment totaled $2.0 million for each of the years ended September 30, 2013, 2012 and 2011.
	Certain facilities of the Company are leased under various operating leases.  Rent expense for the fiscal years ended September 30, 2013, 2012 and 2011 totaled $1.4 million, $1.0 million, and $849,000, respectively. At September 30, 2013, future minimum rental commitments under non-cancelable leases are as follows:
	Due in years ending September 30,
	2014	$	1,342,719
	2015	1,390,844
	2016	1,099,365
	2017	963,265
	2018	625,569
	Thereafter	1,049,717
	Total	$	6,471,479

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2013
DEPOSITS	'
DEPOSITS	'
	7.  DEPOSITS
	Deposits at September 30, 2013 and 2012 are summarized as follows:
		September 30, 2013				September 30, 2012
				Weighted					Weighted
				Average					Average
				Interest					Interest
		Amount		Rate		Amount			Rate
	Demand deposits:
	Non-interest-bearing checking	$	168,031,839	—		$	173,374,357		—
	Interest-bearing checking	237,362,430		0.1	%	276,541,695			0.14	%
	Savings accounts	39,845,424		0.13	%	37,257,869			0.14	%
	Money market	206,926,830		0.26	%	149,193,821			0.26	%
	Total demand deposits	652,166,523		0.13	%	636,367,742			0.13	%
	Certificates of deposit:
	Traditional	313,216,661		0.84	%	365,847,877			1.17	%
	CDARS	45,428,415		0.28	%	79,482,699			0.34	%
	Total certificates of deposit	358,645,076		0.77	%	445,330,576			1.02	%
	Total deposits	$	1,010,811,599	0.35	%	$	1,081,698,318		0.5	%
	The aggregate amounts of certificates of deposit with a minimum principal amount of $100,000 were $184.7 million and $246.5 million at September 30, 2013 and 2012, respectively. CDARS certificates of deposit represent deposits offered directly by the Bank primarily to its in-market customers through the Promontory Interfinancial Network Certificate of Deposit Account Registry Service (“CDARS”).  The CDARS program enables the Company’s customers to receive FDIC insurance on their account balances up to $50 million.  There were no certificates of deposits obtained through national brokers at September 30, 2013 or 2012.
	At September 30, 2013, the scheduled maturities of certificates of deposit were as follows:
	Maturing within:
	Three months ending:
	December 31, 2013	$	78,663,900
	March 31, 2014	74,277,255
	June 30, 2014	59,659,114
	September 30, 2014	40,360,758
	Year ending September 30:
	2015	84,319,971
	2016	16,327,061
	2017	2,805,819
	2018	2,231,198
	Total	$	358,645,076
	A summary of interest expense on deposits for the years ended September 30, 2013, 2012 and 2011 is as follows:
		2013		2012			2011
	Interest-bearing checking	$	476,217	$	1,179,971		$	2,563,968
	Savings	69,725		81,415			58,269
	Money market	516,768		821,901			1,295,459
	Certificates of deposit	3,902,473		5,109,586			7,409,683
	Total	$	4,965,183	$	7,192,873		$	11,327,379

BORROWED_MONEY

BORROWED MONEY	12 Months Ended
	Sep. 30, 2013
BORROWED MONEY	'
BORROWED MONEY	'
	8.                      BORROWED MONEY
	Borrowed money at September 30, 2013 and 2012 is summarized as follows:
		2013				2012
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	Retail repurchase agreements	$	35,482,909	0.1	%	$	20,981,455	0.1	%
	FHLB advances maturing within the year ending September 30:
	2012	—		—	%	60,000,000		0.25	%
	2013	49,000,000		0.24	%	—		—
	2015	25,000,000		2.7	%	25,000,000		2.7	%
	Thereafter	4,000,000		5.48	%	4,000,000		5.48	%
	Total FHLB advances	78,000,000		1.3	%	89,000,000		1.18	%
	Total borrowed money	$	113,482,909	0.93	%	$	109,981,455	0.97	%
	The Bank offers a sweep account program for which certain customer demand deposits in excess of a certain amount are “swept” on a daily basis into retail repurchase agreements pursuant to individual repurchase agreements.  Retail repurchase agreements represent overnight borrowings that are secured by certain of the Bank’s investment securities.  Unlike regular savings deposits, retail repurchase agreements are not insured by the Federal Deposit Insurance Corporation.  At September 30, 2013 and 2012, the Bank had $40.2 million and $25.3 million, respectively, in U.S. Treasury, debt and mortgage-backed securities pledged to secure retail repurchase agreements.
	The average balances of borrowed money were $72.0 million and $51.9 million, respectively and the maximum month-end balances were $145.9 million and $110.0 million, respectively, for the years ended September 30, 2013 and 2012, respectively.  The average rates paid during the years ended September 30, 2013 and 2012 were 1.35% and 1.82%, respectively.
	The Bank has the ability to borrow funds from the Federal Home Loan Bank equal to 35% of the Bank’s total assets under a blanket agreement that assigns all investments in Federal Home Loan Bank stock as well as qualifying first mortgage loans as collateral to secure the amounts borrowed.  In addition to the $78.0 million in advances outstanding at September 30, 2013, the Bank had approximately $117.8 million in additional borrowing capacity available to it under this arrangement.  The assets underlying the Federal Home Loan Bank borrowings are under the Bank’s physical control.
	The Bank has the ability to borrow funds from the Federal Reserve under an agreement that assigns certain qualifying loans as collateral to secure the amounts borrowed.  At September 30, 2013, $176.9 million of commercial loans were assigned under this arrangement.  The assets underlying these borrowings are under the Bank’s physical control.  As of September 30, 2013, the Bank had no borrowings outstanding from the Federal Reserve and had approximately $219.1 million in additional borrowing capacity available to it under this arrangement.

SUBORDINATED_DEBENTURES

SUBORDINATED DEBENTURES	12 Months Ended
	Sep. 30, 2013
SUBORDINATED DEBENTURES	'
SUBORDINATED DEBENTURES	'
	9.         SUBORDINATED DEBENTURES
	On March 30, 2004, Pulaski Financial Statutory Trust I (“Trust I”), a Connecticut statutory trust, issued $9.0 million of adjustable-rate preferred securities.  The proceeds from this issuance, along with the Company’s $279,000 capital contribution for Trust I’s common securities, were used to acquire $9.3 million aggregate principal amount of the Company’s floating rate junior subordinated deferrable interest debentures due in 2034, which constitute the sole asset of Trust I.  The interest rate on the debentures and the capital securities at September 30, 2013 was 2.95% and is adjustable quarterly at 2.70% over the three-month LIBOR.
	The stated maturity of the Trust I debenture is June 17, 2034.  In addition, the Trust I debentures are subject to redemption at par at the option of the Company, subject to prior regulatory approval, in whole or in part, on any interest payment date.
	On December 15, 2004, Pulaski Financial Statutory Trust II (“Trust II”), a Delaware statutory trust, issued $10.0 million of adjustable-rate preferred securities.  The proceeds from this issuance, along with the Company’s $310,000 capital contribution for Trust II’s common securities, were used to acquire $10.3 million of the Company’s floating rate junior subordinated deferrable interest debentures due in 2034, which constitute the sole asset of Trust II.  The interest rate on the debentures and the capital securities at September 30, 2013 was 2.11% and is adjustable quarterly at 1.86% over the three-month LIBOR.
	The stated maturity of the debentures held by Trust II is December 15, 2034.  In addition, the Trust II debentures are subject to redemption at par at the option of the Company, subject to prior regulatory approval, in whole or in part, on any interest payment date.

LIABILITY_FOR_LOANS_SOLD

LIABILITY FOR LOANS SOLD	12 Months Ended
	Sep. 30, 2013
LIABILITY FOR LOANS SOLD	'
LIABILITY FOR LOANS SOLD	'
	10.               LIABILITY FOR LOANS SOLD
	The Company records an estimated liability for probable amounts due to the Company’s loan investors under contractual obligations related to residential mortgage loans originated for sale that were previously sold and became delinquent or defaulted, or were determined to contain certain documentation or other underwriting deficiencies.  Under standard representations and warranties and early payment default clauses in the Company’s mortgage sale agreements, the Company could be required to repurchase mortgage loans sold to investors or reimburse the investors for losses incurred on loans (collectively “repurchase”) in the event of borrower default within a defined period after origination (generally 90 days), or in the event of breaches of contractual representations or warranties made at the time of sale that are not remedied within a defined period after the Company receives notice of such breaches (generally 90 days).   In addition, the Company may be required to refund the profit received from the sale of a loan to an investor if the borrower pays off the loan within a defined period after origination, which is generally 120 days.
	The Company establishes a mortgage repurchase liability related to these events that reflect management’s estimate of losses on loans for which the Company could have a repurchase obligation based on a combination of factors.  Such factors incorporate the volume of loans sold in current and previous periods, borrower default expectations, historical investor repurchase demand and appeals success rates (where the investor rescinds the demand based on a cure of the defect or acknowledges that the loan satisfies the investor’s applicable representations and warranties), and estimated loss severity.  Payments made to investors as reimbursement for losses incurred are charged against the mortgage repurchase liability.  Loans repurchased from investors are initially recorded at fair value, which becomes the Company’s new accounting basis.  Any difference between the loan’s fair value and the outstanding principal amount is charged or credited to the mortgage repurchase liability, as appropriate.  Subsequent to repurchase, such loans are carried in loans receivable.  Loans repurchased with deteriorated credit quality at the date of repurchase are accounted for under ASC Topic 310-30.
	The principal balance of loans sold that remain subject to recourse provisions related to early payment default clauses totaled approximately $412 million and $343 million at September 30, 2013 and 2012, respectively.  Because the Company does not service the loans that it sells to its investors, the Company is generally unable to track the outstanding balances or delinquency status of a large portion of such loans that may be subject to repurchase under the representations and warranties clauses in the Company’s mortgage sale agreements.  The following is a summary of the principal balance of mortgage loan repurchase demands on loans previously sold that were received and resolved during the years ended September 30, 2013 and 2012:
		2013			2012
	Received during period	$	8,720,000		$	16,639,000
	Resolved during period	8,148,000			20,228,000
	Unresolved at end of period	5,638,000			5,066,000
	The following is a summary of the changes in the liability for loans sold during the years ended September 30, 2013 and 2012:
		2013			2012
	Balance at beginning of period	$	977,134		$	1,257,146
	Provisions charged to expense	951,065			2,005,865
	Amounts paid to resolve demands	(575,104		)	(2,285,877		)
	Balance at end of period	$	1,353,095		$	977,134
	The following summarizes the manner in which the Company resolved mortgage loan repurchase demands received from its investors during the years ended September 30, 2013 and 2012:
		2013						2012
		Principal Balance			Payments			Principal Balance		Payments
		of Loans			Charged to			of Loans		Charged to
		Involved in			Liability for			Involved in		Liability for
		Existing Claims			Loans Sold			Existing Claims		Loans Sold
		That Were						That Were
		Resolved						Resolved
	Resolved by providing additional documentation with no further action required	$	6,517,000		$	—		$	9,375,000	$	—
	Resolved by make whole and early payment default payments to reimburse investors for losses incurred	195,000			51,078			776,000		147,777
	Resolved by repurchasing loans previously sold to investors	1,436,000			328,844			889,000		116,324
	Payments due upon early payoff of loans previously sold	—			195,182			—		71,776
	Resolved under global settlement agreements	—			—			9,188,000		1,950,000
	Total	$	8,148,000		$	575,104		$	20,228,000	$	2,285,877
	During the year ended September 30, 2012, the Company paid $1.95 million to two of its largest mortgage loan investors to settle all past, present and potential future make-whole and repurchase claims against the Bank.  The Bank was no longer selling loans to these investors and determined that such settlements would be advantageous to the Company.  These settlements resolved all past, present and potential future claims on approximately one-third of total loans sold in past periods.  The payments were charged to the liability for loans sold.
	The liability for loans sold of $1.4 million at September 30, 2013 represents the Company’s best estimate of the probable loss that the Company will incur for various early default provisions and contractual representations and warranties associated with the sales of mortgage loans.  Because the level of mortgage loan repurchase losses depends upon economic factors, investor demand strategies and other external conditions that may change over the life of the underlying loans, the level of the liability for mortgage loan repurchase losses is difficult to estimate and requires considerable management judgment.  In addition, the Company does not service the loans that it sells to investors and is generally unable to track the remaining unpaid balances after sale.  As a result, there may be a range of possible losses in excess of the estimated liability that cannot be estimated.  Management maintains regular contact with the Company’s investors to monitor and address their repurchase demand practices and concerns.

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2013
INCOME TAXES	'
INCOME TAXES	'
	11.       INCOME TAXES
	Income tax expense for the years ended September 30, 2013, 2012 and 2011 is summarized as follows:
		2013			2012			2011
	Current expense:
	Federal	$	3,075,524		$	2,614,954		$	2,387,642
	State	624,000			527,100			377,500
	Deferred expense	1,097,072			1,121,173			384,665
	Total	$	4,796,596		$	4,263,227		$	3,149,807
	Income tax expense differs from that computed at the federal statutory rate of 35% for the years ended September 30, 2013 and 2012 and 34% for the year ended September 30, 2011 as follows:
		2013					2012				2011
		Amount			%		Amount			%	Amount		%
	Tax at statutory federal income tax rate	$	5,111,979		35.00%		$	4,932,520		35.00%	$	3,812,959	34.00%
	Non-taxable income from bank-owned life insurance	-316,112			-2.20%		-350,563			-2.50%	-364,357		-3.30%
	Non-taxable interest and dividends	-454,939			-3.10%		-517,512			-3.70%	-487,417		-4.30%
	State taxes, net of federal benefit	405,600			2.80%		342,615			2.40%	249,150		2.20%
	Other, net	50,068			0.30%		-143,833			-0.90%	-60,528		-0.50%
	Total	$	4,796,596		32.80%		$	4,263,227		30.30%	$	3,149,807	28.10%
	The components of deferred tax assets and liabilities are as follows:
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	8,112,015		$	8,378,598
	Stock-based compensation	886,437			625,609
	Non-accrual interest	290,729			733,418
	Deferred compensation	1,580,622			2,013,960
	Equity investments	126,614			117,870
	Unrealized losses on securities available for sale	15,654			—
	Other	411,189			739,580
	Total deferred tax assets	11,423,260			12,609,035
	Deferred tax liabilities:
	FHLB stock dividends	152,311			152,311
	Core deposit intangible	8,441			15,559
	Premises and equipment	673,568			768,039
	Unrealized gains on securities available for sale	—			13,161
	Other	18,705			21,473
	Total deferred tax liabilities	853,025			970,543
	Net deferred tax assets	$	10,570,235		$	11,638,492
	At September 30, 2013, the Company had $138,000 of unrecognized tax benefits, $129,000 of which would affect the effective tax rate if recognized.  The Company recognizes interest related to uncertain tax positions in income tax expense and classifies such interest and penalties in the liability for unrecognized tax benefits.  As of September 30, 2013, the Company had approximately $9,000 accrued for the payment of interest and penalties.  The tax years ended September 30, 2010 through 2013 remain open to examination by the taxing jurisdictions to which the Company is subject.
	The aggregate changes in the balance of gross unrecognized tax benefits for the year ended September 30, 2013, which excludes interest and penalties, are as follows:
	Balance at September 30, 2012	$	129,000
	Increases related to tax positions taken during a prior period	—
	Decreases related to tax positions taken during a prior period	—
	Increases related to tax positions taken during the current period	32,000
	Decreases related to tax positions taken during the current period	—
	Decreases related to settlements with taxing authorities	—
	Decreases related to the expiration of the statute of limitations	(32,000		)
	Balance at September 30, 2013	$	129,000
	Retained earnings at September 30, 2013 included earnings of approximately $4.1 million representing tax bad debt deductions, net of actual bad debts and bad debt recoveries, for which no provision for federal income taxes has been made.  If these amounts are used for any purpose other than to absorb loan losses, they will be subject to federal income taxes at the then prevailing corporate rate.
	A valuation allowance should be provided on deferred tax assets when it is more likely than not that some portion of the assets will not be realized.  The Company has not established a valuation allowance at September 30, 2013 or 2012 because management believes that all criteria for recognition have been met, including the existence of a history of taxes paid or qualifying tax planning strategies that are sufficient to support the realization of deferred tax assets.

PREFERRED_STOCK

PREFERRED STOCK	12 Months Ended
	Sep. 30, 2013
PREFERRED STOCK	'
PREFERRED STOCK	'
	12.             PREFERRED STOCK
	On January 16, 2009, as part of the U.S. Department of Treasury’s Capital Purchase Program, the Company issued 32,538 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A, $1,000 per share liquidation preference (the “Preferred Stock”), and a warrant to purchase up to 778,421 shares of the Company’s common stock for a period of ten years at an exercise price of $6.27 per share (the “Warrant”) in exchange for $32.5 million in cash from the U.S. Department of Treasury.  The proceeds, net of issuance costs consisting primarily of legal fees, were allocated between the Preferred Stock and the Warrant on a pro rata basis, based upon the estimated market values of the Preferred Stock and the Warrant.  As a result, $2.2 million of the proceeds were allocated to the Warrant, which increased additional paid-in capital from common stock.  The amount allocated to the Warrant is considered a discount on the Preferred Stock and has been amortized using the level yield method over a five-year period through a charge to retained earnings.  Such amortization does not reduce net income, but reduces income available for common shares.
	The Preferred Stock pays cumulative dividends of 5% per year for the first five years and 9% per year beginning on January 16, 2014.  The Company may, at its option, redeem the Preferred Stock at the liquidation preference plus accrued and unpaid dividends.
	The fair value of the Preferred Stock was estimated on the date of issuance by computing the present value of expected future cash flows using a risk-adjusted rate of return for similar securities of 12%.  The fair value of the Warrant was estimated on the date of grant using the Black-Scholes option pricing model assuming a risk-free interest rate of 4.30%, expected volatility of 35.53% and a dividend yield of 4.27%.
	The Treasury sold all of the Preferred Stock to private investors in a Dutch auction that was completed in July 2012.  During the quarter ended September 30, 2012, the Company completed the repurchase from private investors of $7.1 million in par value of the Preferred Stock in exchange for $6.6 million in cash, representing a 7.2% average discount from par value. The repurchase resulted in a $364,000 benefit to income available to common shares. Also during the quarter ended September 30, 2012, the Company completed the repurchase of the Warrant from the Treasury in exchange for $1.1 million in cash.  The combined impact of these transactions resulted in a $7.7 million reduction in total stockholders’ equity during the year ended September 30, 2012.  During the year ended September 30, 2013, the Company repurchased another $8.0 million in par value of its Preferred Stock from private investors in exchange for $8.0 million in cash.  Following the Treasury’s auction of the Preferred Stock and the Company’s repurchase of the Warrant, the U.S. Treasury has no remaining equity stake in the Company.

REGULATORY_CAPITAL_REQUIREMENT

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Sep. 30, 2013
REGULATORY CAPITAL REQUIREMENTS	'
REGULATORY CAPITAL REQUIREMENTS	'
	13.             REGULATORY CAPITAL REQUIREMENTS
	The Company is currently not subject to any separate capital requirements from those of the Bank.  The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators which, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	Quantitative measures that have been established by regulation to ensure capital adequacy require the Bank to maintain minimum capital amounts and ratios (set forth in the table below).  Under such regulations, the Bank is required to maintain minimum ratios of tangible capital of 1.5%, core capital of 4.0% and total risk-based capital of 8.0%.  The Bank is also subject to prompt corrective action capital requirement regulations set forth by federal regulations.  As defined in the regulations, the Bank is required to maintain minimum total and Tier I capital to risk-weighted assets and Tier I capital to average assets.  The Bank met all capital adequacy requirements to which it was subject at September 30, 2013.
	As of September 30, 2013, the most recent notification from the Bank’s primary regulator, the OCC, categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, Tier I risk-based and Tier I leverage ratios as set forth in the following table.  There are no conditions or events since that notification that management believes have changed the Bank’s category.
											To be Categorized as
											“Well Capitalized”
											under Prompt
							For Capital				Corrective Action
		Actual					Adequacy Purposes				Provisions
		Amount			Ratio		Amount		Ratio		Amount		Ratio
		(Dollars in thousands)
	As of September 30, 2013:
	Tangible capital (to total assets)	$	127,757		10.05	%	$	19,064	1.5	%	N/A		N/A
	Total risk-based capital (to risk- weighted assets)	140,336			14.03	%	80,016		8	%	$	100,020	10	%
	Tier I risk-based capital (to risk- weighted assets)	127,757			12.77	%	N/A		N/A		60,012		6	%
	Tier I leverage capital (to average assets)	127,757			10.05	%	50,838		4	%	63,547		5	%
	As of September 30, 2012:
	Tangible capital (to total assets)	$	129,223		9.63	%	$	20,134	1.5	%	N/A		N/A
	Total risk-based capital (to risk- weighted assets)	142,378			13.58	%	83,873		8	%	$	104,841	10	%
	Tier I risk-based capital (to risk- weighted assets)	129,223			12.33	%	N/A		N/A		62,905		6	%
	Tier I leverage capital (to average assets)	129,223			9.63	%	53,690		4	%	67,113		5	%
	The Dodd-Frank Act required the Federal Reserve Board to promulgate consolidated capital requirements for depository institution holding companies, including savings and loan holding companies, that are no less stringent, both quantitatively and in terms of components of capital, than those applicable to institutions themselves. In early July 2013, the Federal Reserve Board and the OCC approved revisions to their capital adequacy guidelines and prompt corrective action rules that implement the revised standards of the Basel Committee on Banking Supervision, commonly called Basel III, and address relevant provisions of the Dodd-Frank Act.  “Basel III” refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules released in December 2010, and loss absorbency rules issued in January 2011, which include significant changes to bank capital, leverage and liquidity requirements.
	The rules include new risk-based capital and leverage ratios, which are effective January 1, 2015, and revise the definition of what constitutes “capital” for calculating those ratios. The proposed new minimum capital level requirements applicable to the Company and the Bank will be: (1) a new common equity Tier 1 capital ratio of 4.5%; (2) a Tier 1 capital ratio of 6% (increased from 4%); (3) a total capital ratio of 8% (unchanged from current rules); and (4) a Tier 1 leverage ratio of 4%.  The rules eliminate the inclusion of certain instruments, such as trust preferred securities, from Tier 1 capital. Instruments issued prior to May 19, 2010 will be grandfathered for companies with consolidated assets of $15 billion or less. The rules also establish a “capital conservation buffer” of 2.5% above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital.  The new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase by that amount each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations establish a maximum percentage of eligible retained income that could be utilized for such actions.
	A reconciliation of the Bank’s Tier I stockholders’ equity and regulatory risk-based capital at September 30, 2013 follows:
		(In thousands)
	Tier I stockholders’ equity	$	131,697
	Deduct:
	Intangible assets	(3,961		)
	Disallowed servicing rights	(5		)
	Add:
	Unrealized losses on available-for-sale securities	26
	Tangible capital	127,757
	Add:
	General valuation allowances	12,579
	Total risk-based capital	$	140,336
	The Bank is prohibited from paying cash dividends if the effect thereof would be to reduce the regulatory capital of the Bank below the amount required for the liquidation account that the Bank established in connection with the consummation of the conversion from the mutual holding company structure on December 2, 1998.  The remaining balance of the liquidation account at September 30, 2013 was $2.3 million.
	In addition, federal regulations, as currently applied to the Bank, impose limitations upon payment of capital distributions to the Company.  Under the regulations, the prior approval of the Bank’s primary regulator, the OCC, and the non-objection of the Federal Reserve Bank, are required prior to any capital distribution when the total amount of capital distributions for the current calendar year exceeds net income for that year plus retained net income for the preceding two years.  To the extent that any such capital distributions are not approved by the regulatory agencies in future periods, the Company could find it necessary to reduce or eliminate the payment of common dividends to its shareholders.  In addition, the Company could find it necessary to temporarily suspend the payment of dividends on its preferred stock and interest on its subordinated debentures.

AT_THE_MARKET_OFFERING

AT THE MARKET OFFERING	12 Months Ended
	Sep. 30, 2013
AT THE MARKET OFFERING	'
AT THE MARKET OFFERING	'
	14.       AT THE MARKET OFFERING
	On May 7, 2013, the Company entered into a Sales Agency Agreement with Sandler O’Neill & Partners, L.P., pursuant to which the Company may sell from time to time through Sandler O’Neill, as sales agent, shares of the Company’s common stock having an aggregate gross sales price of up to $10,000,000.  Pursuant to the Sales Agency Agreement, the common stock may be offered and sold through Sandler O’Neill in transactions that are deemed to be “at the market” offerings as defined in Rule 415 of the Securities Act of 1933, as amended, including sales made by means of ordinary brokers’ transactions, including on the Nasdaq Global Select Market, at market prices or as otherwise agreed to with Sandler O’Neill.
	Between May 7, 2013 and June 30, 2013, the Company sold an aggregate of 13,653 shares of common stock, at a weighted average price of $10.60 per share, for proceeds of approximately $140,000, net of commissions of approximately $4,000.

EMPLOYEE_BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Sep. 30, 2013
EMPLOYEE BENEFITS	'
EMPLOYEE BENEFITS	'
	15.       EMPLOYEE BENEFITS
	The Company maintains shareholder-approved, stock-based incentive plans, which permit the granting of options to purchase common stock of the Company and awards of restricted shares of common stock.  All employees, non-employee directors and consultants of the Company and its affiliates are eligible to receive awards under the plans.  The plans authorize the granting of awards in the form of options intended to qualify as incentive stock options under Section 422 of the Internal Revenue Code, options that do not so qualify (non-statutory stock options) and granting of restricted shares of common stock.  Stock option awards are generally granted with an exercise price equal to the market value of the Company’s shares at the date of grant and generally vest over a period of three to five years.  The exercise period for all stock options generally may not exceed 10 years from the date of grant. Generally, option and share awards provide for accelerated vesting if there is a change in control (as defined in the plans).  Shares used to satisfy stock awards and stock option exercises are generally issued from treasury stock.  At September 30, 2013, the Company had 563,805 reserved but unissued shares that can be awarded in the form of stock options or restricted share awards.
	Restricted Stock Awards- A summary of activity in the Company’s restricted stock awards as of and for the years ended September 30, 2013, 2012 and 2011 is as follows:
		2013					2012				2011
				Weighted					Weighted				Weighted
				Average					Average				Average
				Grant-Date					Grant-Date				Grant-Date
		Number		Fair Value			Number		Fair Value		Number		Fair Value
	Nonvested at beginning of year	365,170		$	7.13		115,078		$	6.89	67,219		$	6.45
	Granted	42,221		8.72			298,727		7.05		67,248		7.49
	Vested	(137,861	)	7.27			(47,877	)	6.02		(12,996	)	7.43
	Forfeited	—		—			(758	)	6.59		(6,393	)	7.43
	Nonvested at end of year	269,530		$	7.31		365,170		$	7.13	115,078		$	6.89
	During the year ended September 30, 2012, the Company granted an aggregate of 250,000 shares of contingent, performance-based restricted stock to six executive officers.  The shares of restricted stock vest as follows: 25% on the date of the filing of the annual report on Form 10-K for the year ended September 30, 2012, 25% on the date of the filing of the annual report on Form 10-K for the year ended September 30, 2013 and 50% on the date of the filing of the annual report on Form 10-K for the year ended September 30, 2014.  During the year ended September 30, 2013, the Company granted 15,000 shares of contingent, performance-based restricted stock to one newly elected executive officer.  The shares of restricted stock vest as follows: one-third on the date of the filing of the annual report on Form 10-K for the year ended September 30, 2013 and two-thirds on the date of the filing of the annual report on Form 10-K for the year ended September 30, 2014.  In each case, the vesting of the shares granted during fiscal 2013 and fiscal 2012 is subject to the Company’s achievement of certain earnings per share targets. The grants do not provide for partial vesting for performance levels achieved below the stated targets nor will additional shares be granted if the Company’s performance exceeds the earnings per share targets. If an earnings-per-share target is not met, vesting may still occur in a subsequent period based on cumulative results. Additionally, recipients cannot receive the final vesting unless the Company’s total shareholder return exceeds certain peer indices. One-third of the shares received are required to be held until the earlier of retirement or five years from the date of vesting.
	Stock Option Awards- A summary of activity in the Company’s stock option program as of and for the years ended September 30, 2013, 2012 and 2011 is as follows:
		2013									2012				2011
										Weighted
				Weighted						Average			Weighted				Weighted
				Average			Aggregate			Remaining			Average				Average
				Exercise			Intrinsic			Contractual			Exercise				Exercise
		Number		Price			Value			Life (years)	Number		Price		Number		Price
	Outstanding at beginning of year	629,936		$	11.2						759,684		$	10.56	849,840		$	10.4
	Granted	17,500		8.39							—		—		—		—
	Exercised	(23,400	)	8.99							(84,456	)	5.96		(33,397	)	5.81
	Forfeited	(19,450	)	9.53							(45,292	)	10.18		(56,759	)	10.96
	Outstanding at end of year	604,586		$	11.26		$	512,296		4	629,936		$	11.2	759,684		$	10.56
	Exercisable at end of year	586,386		$	11.35		$	475,784		3.9	578,387		$	11.19	604,387		$	10.65
	There were 17,500 stock option awards granted during the year ended September 30, 2013 with a weighted-average fair value per share of $2.12.  There were no stock option awards granted during the years ended September 30, 2012 or 2011.  Cash received from stock options exercised totaled $210,000, $503,000 and $194,000 during the years ended September 30, 2013, 2012 and 2011, respectively.  The total intrinsic value of stock options exercised totaled $17,000, $110,000 and $51,000 during the years ended September 30, 2013, 2012 and 2011, respectively.  Executive officers and directors exercised 19,000 stock options during the year ended September 30, 2013.
	A summary of total stock-based compensation expense for the years ended September 30, 2013, 2012 and 2011 follows:
		2013			2012			2011
	Total expense	$	1,222,419		$	1,179,683		$	590,457
	Earnings per share:
	Basic	$	0.07		$	0.07		$	0.03
	Diluted	0.07			0.07			0.03
	As of September 30, 2013, the total unrecognized compensation expense related to non-vested stock options and restricted stock awards was approximately $25,000 and $659,000, respectively, and the related weighted average period over which it is expected to be recognized is approximately 2.0 and 1.1 years, respectively.
	The fair value of stock options granted in 2013 was estimated on the date of grant using the Black-Scholes option pricing model with the following average assumptions:
	Risk-free interest rate	0.85	%
	Expected volatility	44.36	%
	Expected life in years	6
	Dividend yield	5.02	%
	Expected forfeiture rate	5.3	%
	Equity Trust Plan- The Company maintains a deferred compensation plan (“Equity Trust Plan”) for the benefit of key loan officers and sales staff.  The plan is designed to recruit and retain top-performing loan officers and other key revenue-producing employees who are instrumental to the Company’s success.  The plan allows the recipients to defer a percentage of commissions earned into a rabbi trust for the benefit of the participants.  The assets of the trust are limited to shares of Company common stock and cash.  Awards related to participant contributions generally vest immediately or over a period of two to five years.  Awards related to Company contributions generally vest over a period of three to five years.  The participants will generally forgo any accrued but unvested benefits if they voluntarily leave the Company.  Vested shares in the plan are treated as issued and outstanding when computing basic and diluted earnings per share, whereas unvested shares are treated as issued and outstanding only when computing diluted earnings per share.  During the years ended September 30, 2013 and 2012, the plan purchased 50,600 shares and 27,211 shares, respectively, on behalf of the participants at an average price of $10.17 and $6.67, respectively.  There were 88,545 and 141,606 vested shares distributed to participants during the years ended September 30, 2013 and 2012, respectively, with aggregate market values at the time of distribution of $1.0 million and $1.1 million, respectively.  At September 30, 2013 there were 354,123 shares in the plan with an aggregate carrying value of $3.2 million.  Such shares were included in treasury stock in the Company’s consolidated financial statements, including 209,551 shares that were not yet vested.
	KSOP— Effective September 1, 2008, the Bank merged its 401(k) savings plan and its employee stock ownership plan into the Pulaski Bank Savings and Ownership Plan (the “KSOP”) to provide greater investment alternatives to plan participants and to reduce administrative expenses.  Beginning January 1, 2011, the Bank matched 50% of each participant’s contribution up to a maximum of 5% of salary. The Bank’s contributions to this plan were $358,000, $302,000 and $295,000 for the years ended September 30, 2013, 2012 and 2011, respectively.
	Employment Agreement- The Company and the Bank maintain a two-year employment agreement with its Chief Executive Officer (“CEO”).  The two-year term of the agreement is extended daily unless written notice of non-renewal is given by the Board of Directors.  Under the agreement, the Bank pays the CEO a base salary, which is reviewed at least annually and may be increased at the discretion of the Board of Directors.  The CEO is also entitled to receive health and welfare benefits provided to other Company and Bank employees.  Additionally, the agreement provides for severance payments and continued medical coverage for 24 months if employment is terminated following a change in control or upon an event of termination as defined in the agreement.  In the event of a change in control and subsequent termination of employment, the CEO will receive a lump-sum payment equal to two times his average annual compensation computed using his base pay rate at the date of termination plus any bonus or incentive compensation earned by him in the prior fiscal year.  The lump-sum payment will include an amount for any required excise tax due under the Internal Revenue Code of 1986.  The agreement also prohibits the CEO from soliciting the services of any of the Company’s employees, and from competing with the Company, for a period of two years after termination.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Sep. 30, 2013
COMMITMENTS AND CONTINGENCIES	'
COMMITMENTS AND CONTINGENCIES	'
	16.               COMMITMENTS AND CONTINGENCIES
	The Company engages in commitments to originate loans in the ordinary course of business to meet customer financing needs.  Such commitments are generally made following the Company’s usual underwriting guidelines, represent off-balance sheet financial instruments and do not present more than a normal amount of risk.  The following table summarizes the notional amount of these commitments at September 30, 2013 and 2012.
		2013		2012
		(In thousands)
	Commitments to originate residential first and second mortgage loans	$	65,936	$	121,096
	Commitments to originate commercial mortgage loans	62,626		46,058
	Commitments to originate non-mortgage loans	15,778		12,458
	Unused lines of credit - residential	67,265		92,692
	Unused lines of credit - commercial	148,411		102,311
	The Company is a defendant in legal actions arising from normal business activities.  Management, after consultation with counsel, believes that the resolution of these actions will not have any material adverse effect on the Company’s consolidated financial statements.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Sep. 30, 2013
DERIVATIVES	'
DERIVATIVES	'
	17.               DERIVATIVES
	The Company originates and purchases derivative financial instruments, including interest rate lock commitments and interest rate swaps.  Derivative financial instruments originated by the Company consist of interest rate lock commitments to originate residential mortgage loans.
	Interest Rate Lock Commitments - At September 30, 2013, the Company had issued $68.6 million of unexpired interest rate lock commitments to loan customers compared with $179.6 million of unexpired commitments at September 30, 2012.  The Company typically economically hedges interest rate lock commitments by obtaining a corresponding best-efforts lock commitment with an investor to sell the loan at an agreed-upon price.
	Interest Rate Swaps - The Company entered into two $14 million notional value interest-rate swap contracts during 2008 totaling $28 million notional value.  These contracts supported a $14 million, variable-rate, commercial loan relationship and were used to allow the commercial loan customer to pay a fixed interest rate to the Company, while the Company, in turn, charged the customer a floating interest rate on the loan.  Under the terms of the swap contract between the Company and the loan customer, the customer pays the Company a fixed interest rate of 6.58%, while the Company pays the customer a variable interest rate of one-month LIBOR plus 2.30%.  Under the terms of a similar but separate swap contract between the Company and a major securities broker, the Company pays the broker a fixed interest rate of 6.58%, while the broker pays the Company a variable interest rate of one-month LIBOR plus 2.30%.  The two contracts have identical terms except for the interest rates and are scheduled to mature on May 15, 2015.  While these two swap derivatives generally work together as an interest-rate hedge, the Company has not designated them for hedge treatment.  Consequently, both derivatives are marked to fair value through either a charge or credit to current earnings.
	The fair values of these contracts recorded in the consolidated balance sheets at September 30, 2013 and 2012 are summarized as follows:
		2013			2012
	Fair value recorded in other assets	$	843,000		$	1,360,000
	Fair value recorded in other liabilities	843,000			1,360,000
	The gross gains and losses on these contracts recorded in non-interest expense in the consolidated statements of income and comprehensive income for the years ended September 30, 2013 and 2012 are summarized as follows:
		2013			2012
	Gross losses on derivative financial assets	$	517,000		$	316,000
	Gross gains on derivative financial liabilities	(517,000		)	(316,000		)
	Net gain or loss	$	—		$	—
	At September 30, 2013 and 2012, the Bank had $1.8 million and $1.8 million, respectively, in cash pledged to secure its obligations under these contracts.

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Sep. 30, 2013
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK	'
	18.               FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK
	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers by issuing commitments to extend credit.  Such commitments are agreements to lend to a customer provided there is no violation of any condition established in the contract. These commitments generally have fixed expiration dates or other termination clauses and may require the borrower to pay a fee. The Company evaluates each customer’s creditworthiness on a case-by-case basis.
	At September 30, 2013 and 2012, the Company had firm commitments to originate loans of approximately $144.3 million and $179.6 million, respectively, of which $133.4 million and $118.2 million, respectively, were committed to be sold.  Additionally, the Company had outstanding commitments to borrowers under unused home equity lines of credit and commercial lines of credit totaling $67.3 million and $148.4 million, respectively, at September 30, 2013 compared with $92.7 million and $102.3 million, respectively, at September 30, 2012.
	At September 30, 2013 and 2012, the Company had loans receivable held for sale totaling $70.5 million and $180.6 million, respectively, substantially all of which were under firm commitments to be sold on a best-efforts basis.
	Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party.  These standby letters of credit are primarily issued for a fee to support contractual obligations of the Company’s customers.  The credit risk involved with issuing letters of credit is essentially the same as the risk involved in extending loans to customers. At September 30, 2013, the Company had 47 letters of credit totaling approximately $4.0 million due to expire no later than July 2019 compared with 51 letters of credit totaling approximately $4.6 million due to expire no later than July 2019 at September 30, 2012.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
FAIR VALUE MEASUREMENTS	'
	19.               FAIR VALUE MEASUREMENTS
	The Company follows the provisions of Accounting Standards Codification (“ASC”) Topic 820, Fair Value Measurements and Disclosures, which defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and expands disclosures about fair value measurements.  Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  A fair value measurement should reflect all of the assumptions that market participants would use in pricing the asset or liability, including assumptions about the risk inherent in a particular valuation technique, the effect of a restriction on the sale or use of an asset, and the risk of non-performance.
	A three-level hierarchy for valuation techniques is used to measure financial assets and financial liabilities at fair value.  This hierarchy is based on whether the valuation inputs are observable or unobservable. Financial instrument valuations are considered Level 1 when they are based on quoted prices in active markets for identical assets or liabilities.  Level 2 financial instrument valuations use 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.  Financial instrument valuations are considered Level 3 when they are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable, and when determination of the fair value requires significant management judgment or estimation.  ASC Topic 820 also provides guidance on determining fair value when the volume and level of activity for the asset or liability has significantly decreased and on identifying circumstances when a transaction may not be considered orderly.
	The Company records securities available for sale and derivative financial instruments at their fair values on a recurring basis.  Additionally, the Company records other assets at their fair values on a nonrecurring basis, such as impaired loans and real estate acquired in settlement of loans.  These nonrecurring fair value adjustments typically involve application of lower-of-cost-or-market accounting or impairment write-downs of individual assets.  The following is a general description of the methods used to value such assets.
	Debt and Mortgage-Backed Securities.  The fair values of debt and mortgage-backed securities available for sale and held to maturity are generally based on quoted market prices or market prices for similar assets.  The Company uses a third-party pricing service as its primary source for obtaining market value prices.  On a quarterly basis, the Company validates the reasonableness of prices received from the third-party pricing service through independent price verification on a representative sample of securities in the portfolio.
	Interest Rate Swap Assets and Liabilities.  The fair values are based on quoted market prices by an independent valuation service.
	Impaired Loans.  The fair values of impaired loans that are determined to be collateral dependent are generally based on market prices for similar assets determined through independent appraisals (Level 2 valuations) or discounted values of independent appraisals or brokers’ opinions of value (Level 3 valuations).  Since substantially all of the Company’s loans receivable that are secured by real estate are within the St. Louis metropolitan area, management is able to closely monitor the trend in real estate values in this area.  Residential real estate loans are generally inspected when they become 45 to 60 days delinquent or when communications with the borrower indicate that a potential problem exists.  New appraisals are generally obtained for impaired residential real estate loans if an inspection indicates the possibility of a significant decline in fair value.  If a new appraisal is determined not to be necessary, management may obtain a broker’s opinion of value or apply a discount to the existing appraised value based on the age of such appraisal and the overall trend in real estate values in the market area since the date of such appraisal.  Similarly, the Company maintains close contact with its commercial borrowers whose loans are determined to be impaired, and new appraisals are obtained when management believes there has been a significant change in fair value.  Factors that management considers when determining whether there has been a significant change in fair value for commercial real estate secured loans generally include overall market value trends in the surrounding areas and changes in factors that impact the properties’ cash flows, such as rental rates and occupancy levels that differ materially from the most current appraisals.  The significance of such events is determined on a loan-by-loan basis based on the circumstances surrounding each of such loans.  If a new appraisal is determined not to be necessary, management may apply a discount to the existing appraised value based on the age of such appraisal and the overall trend in real estate values in the market area since the date of such appraisal, or other factors that affect the value of the property, such as rental rates and occupancy levels.
	Real Estate Acquired in Settlement of Loans consists of loan collateral that has been repossessed through foreclosure or obtained by deed in lieu of foreclosure. This collateral is comprised of commercial and residential real estate. Such assets are recorded as held for sale initially at the lower of the loan balance or fair value of the collateral less estimated selling costs.  If the loan balance exceeds the fair value of the collateral less estimated selling costs at the time of foreclosure, the difference is recorded as a charge to the allowance for loan losses.  Any decline in the fair value of the property subsequent to acquisition is charged to non-interest expense and credited to the allowance for losses on real estate acquired in settlement of loans.  During the years ended September 30, 2013 and 2012, charge-offs to the allowance for loan losses at the time of foreclosure totaled $1.0 million and $2.4 million, respectively, which represented 11% and 31% of the principal balance of loans that became subject to foreclosure during such periods, respectively.
	Prior to the quarter ended March 31, 2012, the Company generally did not record partial charge-offs on loans secured by residential real estate, but rather provided for declines in fair value in the allowance for loan losses.  See Note 4 - Loans Receivable and the Allowance for Loan Losses for a discussion of this practice and changes made during the quarter ended March 31, 2012.  The large amount of charge-offs at the time of foreclosure compared with the principal balance of such loans reflects the declines in fair values of the underlying real estate since the dates of loan origination.  Fair values are generally determined through external appraisals and assessment of property values by the Company’s internal staff.  New appraisals are obtained at the time of foreclosure and are reviewed periodically to determine whether they should be updated based on changing market conditions.  Appraisals are prepared by state-licensed appraisers and represent the appraisers’ opinions of value based on comparable sales and other data that is considered by the appraisers to be the most appropriate information at the time of the appraisal.  Management believes such appraisals are the best source of valuation at the time of foreclosure and represent the properties’ best estimates of value at that time.  Subsequent to foreclosure, valuations are updated periodically, and the assets may be written down to reflect a new cost basis.  For residential real estate properties, adjustments to valuations subsequent to foreclosure that are not based on new appraised values are generally made once the sales listing prices of the properties (which are generally based on brokers’ opinions of value) fall below the most current appraised values.  In general, listing prices on all residential real estate properties are reviewed at least weekly after considering input from the listing brokers and any potential offers to purchase the properties.  For commercial properties, adjustments to valuations subsequent to foreclosure that are not based on new appraised values are generally made once the sales listing prices of the properties (which are generally based on brokers’ opinions of value) fall below the most current appraised values or changes in other factors, such as occupancy levels and rental rates, indicate a decline in fair value.  In general, listing prices on all commercial real estate properties are reviewed at least every 30 days after considering input from the listing brokers, other market activity and any potential offers to purchase the properties.  The Company’s frequent review of listing prices and market conditions subsequent to the receipt of an appraisal helps to ensure that the Company captures declines in the fair value of real estate acquired through foreclosure in the appropriate period.  Because many of these inputs are not observable, the measurements are classified as Level 3.
	Intangible Assets and Goodwill are reviewed annually in the fourth fiscal quarter and/or when circumstances or other events indicate that impairment may have occurred.  No impairment losses were recognized during the years ended September 30, 2013 or 2012.
	Assets and liabilities that were recorded at fair value on a recurring basis at September 30, 2013 and 2012 and the level of inputs used to determine their fair values are summarized below:
		Carrying Value at September 30, 2013
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	38,917	$	—	$	38,917	$	—
	Interest-rate swap	843		—		843		—
	Total assets	$	39,760	$	—	$	39,760	$	—
	Liabilities:
	Interest-rate swap	$	843	$	—	$	843	$	—
	Total liabilities	$	843	$	—	$	843	$	—
		Carrying Value at September 30, 2012
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	21,921	$	—	$	21,921	$	—
	Interest-rate swap	1,360		—		1,360		—
	Total assets	$	23,281	$	—	$	23,281	$	—
	Liabilities:
	Interest-rate swap	$	1,360	$	—	$	1,360	$	—
	Total liabilities	$	1,360	$	—	$	1,360	$	—
	Assets that were recorded at fair value on a non-recurring basis at September 30, 2013 and 2012 and the level of inputs used to determine their fair values are summarized below:
										Total Losses
										Recognized in
		Carrying Value at September 30, 2013								the Year Ended
				Fair Value Measurements Using						September 30,
		Total		Level 1		Level 2		Level 3		2013
		(In thousands)
	Assets:
	Impaired loans, net	$	4,014	$	—	$	—	$	4,014	$	8,740
	Real estate acquired in settlement of loans	6,395		—		—		6,395		3,742
	Total assets	$	10,409	$	—	$	—	$	10,409	$	12,482
										Total Losses
										Recognized in
		Carrying Value at September 30, 2012								the Year Ended
				Fair Value Measurements Using						September 30,
		Total		Level 1		Level 2		Level 3		2012
		(In thousands)
	Assets:
	Impaired loans, net	$	4,008	$	—	$	—	$	4,008	$	6,083
	Real estate acquired in settlement of loans	13,952		—		—		13,952		5,790
	Total assets	$	17,960	$	—	$	—	$	17,960	$	11,873
	There were no transfers of assets or liabilities among the levels of inputs used to determine their fair values during the years ended September 30, 2013 or 2012.

DISCLOSURES_ABOUT_FAIR_VALUES_

DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Sep. 30, 2013
DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS	'
DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS	'
	20.    DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS
	Fair values of financial instruments have been estimated by the Company using available market information and appropriate valuation methodologies, including those described in Note 19. However, considerable judgment is necessarily required to interpret market data used to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company might realize in a current market exchange.  The use of different market assumptions and/or estimation methodologies could have a material effect on the estimated fair value amounts.
	The fair value estimates presented herein are based on pertinent information available to management as of September 30, 2013 and 2012. Although management is not aware of any factors that would significantly affect the estimated fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date.  Therefore, current estimates of fair value may differ significantly from the amounts presented herein.
	Carrying values and estimated fair values at September 30, 2013 and 2012 are summarized as follows:
		Level in	2013				2012
		Fair Value			Estimated				Estimated
		Measurement	Carrying		Fair		Carrying		Fair
		Hierarchy	Value		Value		Value		Value
			(In thousands)
	ASSETS:
	Cash and cash equivalents	Level 1	$	86,309	$	86,309	$	62,335	$	62,335
	Debt and mortgage-backed securities - AFS	Level 2	38,917		38,917		21,921		21,921
	Capital stock of FHLB	Level 2	4,777		4,777		5,559		5,559
	Mortgage-backed securities - HTM	Level 2	4,294		4,537		5,657		6,096
	Mortgage loans held for sale	Level 2	70,473		72,481		180,575		185,641
	Loans receivable	Level 3	988,668		1,001,898		975,728		1,024,992
	Accrued interest receivable	Level 1	3,151		3,151		3,889		3,889
	Interest-rate swap assets	Level 2	843		843		1,360		1,360
	LIABILITIES:
	Deposit transaction accounts	Level 2	652,167		652,167		636,368		636,368
	Certificates of deposit	Level 2	358,645		359,917		445,331		446,529
	Borrowed money	Level 2	113,483		115,254		109,981		112,845
	Subordinated debentures	Level 2	19,589		19,583		19,589		19,583
	Accrued interest payable	Level 2	470		470		695		695
	Interest-rate swap liabilities	Level 2	843		843		1,360		1,360
	In addition to the methods described in Note 19 above, the following methods and assumptions were used to estimate the fair value of the financial instruments:
	Cash and Cash Equivalents - The carrying amount approximates fair value.
	Capital Stock of the Federal Home Loan Bank - The carrying amount represents redemption value, which approximates fair value.
	Loans Receivable - The fair value of loans receivable is estimated based on present values using applicable risk-adjusted spreads to the U. S. Treasury curve to approximate current interest rates applicable to each category of such financial instruments. No adjustment was made to the interest rates for changes in credit risk of performing loans where there are no known credit concerns. Management segregates loans into appropriate risk categories. Management believes that the risk factor embedded in the interest rates along with the allowance for loan losses applicable to the performing loan portfolio results in a fair valuation of such loans.  The fair values of impaired loans are generally based on market prices for similar assets determined through independent appraisals or discounted values of independent appraisals and brokers’ opinions of value.  This method of valuation does not incorporate the exit price concept of valuation prescribed by Accounting Standards Codification Topic 820, Fair Value Measurements and Disclosures.  Rather, it was used a practical expedient as permitted under the topic.
	Mortgage Loans Held for Sale -  The fair values of mortgage loans held for sale are generally based on commitment sales prices obtained from the Company’s investors.
	Accrued Interest Receivable - The carrying value approximates fair value.
	Interest-Rate Swap Assets - The fair value is based on quoted market prices by an independent valuation service.
	Deposits - The estimated fair value of demand deposits and savings accounts is the amount payable on demand at the reporting date. The estimated fair value of fixed-maturity certificates of deposit is estimated by discounting the future cash flows of existing deposits using rates currently available on advances from the Federal Home Loan Bank having similar characteristics.
	Borrowed Money  — The estimated fair value of advances from Federal Home Loan Bank is determined by discounting the future cash flows of existing advances using rates currently available on advances from Federal Home Loan Bank having similar characteristics.  The estimated fair value of retail repurchase agreements is the carrying value since such agreements are at market rates and mature daily.
	Subordinated Debentures - The estimated fair values of subordinated debentures are determined by discounting the estimated future cash flows using rates currently available on debentures having similar characteristics.
	Accrued Interest Payable - The carrying value approximates fair value.
	Interest-Rate Swap Liabilities - The fair value is based on quoted market prices by an independent valuation service.
	Off-Balance-Sheet Items - The estimated fair value of commitments to originate or purchase loans is based on the fees currently charged to enter into similar agreements.  The aggregate value of these fees is not material.  Such commitments are summarized in Note 16, Commitments and Contingencies.

IMPACT_OF_RECENTLY_ISSUED_ACCO

IMPACT OF RECENTLY ISSUED ACCOUNTING STANDARDS	12 Months Ended
	Sep. 30, 2013
IMPACT OF RECENTLY ISSUED ACCOUNTING STANDARDS	'
IMPACT OF RECENTLY ISSUED ACCOUNTING STANDARDS	'
	21.               IMPACT OF RECENTLY ISSUED ACCOUNTING STANDARDS
	Fair Value Measurements.  In May 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2011-04, Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.  The ASU contains guidance on the application of the highest and best use and valuation premise concepts, the measurement of fair values of instruments classified in shareholders’ equity, the measurement of fair values of financial instruments that are managed within a portfolio, and the application of premiums and discounts in a fair value measurement.  It also requires additional disclosures about fair value measurements, including information about the unobservable inputs used in fair value measurements within Level 3 of the fair value hierarchy, the sensitivity of recurring fair value measurements within Level 3 to changes in unobservable inputs and the interrelationships between those inputs, and the categorization by level of the fair value hierarchy for items that are not measured at fair value but for which the fair value is required to be disclosed.  These amendments were applied prospectively, effective January 1, 2012, and their application did not have a material effect on the Company’s consolidated financial statements.
	Other Comprehensive Income.  In June 2011, the FASB issued ASU 2011-05, Presentation of Comprehensive Income.  The ASU increases the prominence of other comprehensive income in financial statements by requiring comprehensive income to be reported in either a single statement or in two consecutive statements which report both net income and other comprehensive income.  It eliminates the option to report the components of other comprehensive income in the statement of changes in equity.  The ASU was effective for periods beginning January 1, 2012 and required retrospective application. The ASU did not change the components of other comprehensive income, the timing of items reclassified to net income, or the net income basis for income per share calculations.  The Company has chosen to present net income and other comprehensive income in a single statement in the accompanying consolidated financial statements.  In December 2011, the FASB issued ASU 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05.  The amendments are being made to allow the Board time to consider whether to present on the face of the financial statements the effects of reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income for all periods presented.  Until the Board has reached a resolution, entities are required to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect before ASU 2011-05.
	Goodwill.  In September 2011, the FASB issued ASU 2011-08, Testing Goodwill for Impairment.  The ASU allows an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test.  Previous guidance required, on an annual basis, testing goodwill for impairment by comparing the fair value of a reporting unit to its carrying amount (including goodwill).  As a result of this amendment, an entity will not be required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount.  The ASU was effective for annual and interim goodwill impairment tests performed for periods beginning January 1, 2012.  The adoption of this guidance did not have a material effect on the Company’s consolidated financial statements.
	Balance Sheet.  In December 2011, the FASB issued ASU 2011-11, “Disclosures about Offsetting Assets and Liabilities”. The ASU is a joint requirement by the FASB and International Accounting Standards Board to enhance current disclosures and increase comparability of GAAP and International Financial Reporting Standards financial statements. Under the ASU, an entity will be required to disclose both gross and net information about instruments and transactions eligible for offset in the balance sheet, as well as instruments and transactions subject to an agreement similar to a master netting agreement. The scope of the ASU includes derivatives, sale and repurchase agreements, reverse sale and repurchase agreements, and securities borrowing and securities lending arrangements. The ASU is effective for annual and interim periods beginning January 1, 2013. Adoption of the ASU did not have a material effect on the Company’s consolidated financial statements.

SELECTED_QUARTERLY_FINANCIAL_D

SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Sep. 30, 2013
SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)	'
SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)	'
	22.     SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)
	The results of operations by quarter for 2013 and 2012 were as follows:
		First		Second		Third		Fourth
	Year Ended September 30, 2013	Quarter		Quarter		Quarter		Quarter
	Interest income	$	13,612,790	$	13,176,256	$	12,707,194	$	12,117,382
	Interest expense	1,805,452		1,687,527		1,545,575		1,406,250
	Net interest income	11,807,338		11,488,729		11,161,619		10,711,132
	Provision for loan losses	2,065,000		1,375,000		1,800,000		6,850,000
	Net interest income after loan loss provision	9,742,338		10,113,729		9,361,619		3,861,132
	Non-interest income	4,716,128		4,635,892		4,913,580		4,504,483
	Non-interest expense	9,858,192		9,105,717		8,797,381		9,481,956
	Income (loss) before taxes	4,600,274		5,643,904		5,477,818		(1,116,341		)
	Income tax expense (benefit)	1,472,545		1,991,730		1,869,647		(537,326		)
	Net income (loss)	$	3,127,729	$	3,652,174	$	3,608,171	$	(579,015	)
	Income (loss) available to common shares	$	2,722,270	$	3,246,407	$	3,262,705	$	(941,895	)
	Earnings (loss) per common share - basic	$	0.25	$	0.3	$	0.3	$	(0.09	)
	Earnings (loss) per common share - diluted	$	0.25	$	0.29	$	0.29	$	(0.08	)
	Weighted average common shares outstanding - basic	10,815,633		10,916,522		10,914,913		10,922,253
	Weighted average common shares outstanding - diluted	11,066,355		11,136,801		11,147,049		11,124,759
		First		Second		Third		Fourth
	Year Ended September 30, 2012	Quarter		Quarter		Quarter		Quarter
	Interest income	$	14,623,636	$	14,010,747	$	13,663,082	$	13,410,827
	Interest expense	2,509,051		2,189,946		2,015,743		1,963,062
	Net interest income	12,114,585		11,820,801		11,647,339		11,447,765
	Provision for loan losses	3,000,000		5,500,000		3,000,000		2,950,000
	Net interest income after loan loss provision	9,114,585		6,320,801		8,647,339		8,497,765
	Non-interest income	3,415,425		3,554,725		4,102,096		4,631,462
	Non-interest expense	8,131,427		7,941,739		8,790,391		9,327,727
	Income before taxes	4,398,583		1,933,787		3,959,044		3,801,500
	Income tax expense	1,356,507		564,780		1,212,795		1,129,145
	Net income	$	3,042,076	$	1,369,007	$	2,746,249	$	2,672,355
	Income available to common shares	$	2,524,606	$	851,149	$	2,228,000	$	2,541,903
	Earnings per common share - basic	$	0.24	$	0.08	$	0.21	$	0.24
	Earnings per common share - diluted	$	0.23	$	0.08	$	0.2	$	0.23
	Weighted average common shares outstanding - basic	10,605,620		10,659,123		10,709,072		10,742,660
	Weighted average common shares outstanding - diluted	11,004,706		11,132,612		11,121,025		11,019,007

CONDENSED_PARENTCOMPANYONLY_FI

CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS.	12 Months Ended
	Sep. 30, 2013
CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS.	'
CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS.	'
	23.                    CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS.
	The following table presents the condensed parent-company-only balance sheets as of September 30, 2013 and 2012, and the condensed parent-company-only statements of income and cash flows of the Company for the years ended September 30, 2013, 2012 and 2011:
	Condensed Balance Sheets	2013			2012
	ASSETS:
	Cash and cash equivalents	$	511,436		$	82,678
	Investment in Bank	131,697,972			133,230,503
	Intercompany loan to Bank	3,510,000			4,360,000
	Other assets	1,687,394			2,051,521
	Total assets	$	137,406,802		$	139,724,702
	LIABILITIES:
	Subordinated debentures	$	19,589,000		$	19,589,000
	Dividends payable	1,084,768			1,078,292
	Other liabilities	674,968			890,238
	Total liabilities	21,348,736			21,557,530
	STOCKHOLDER’S EQUITY	116,058,066			118,167,172
	Total liabilities and stockholder’s equity	$	137,406,802		$	139,724,702
	Condensed Statements of Income	2013			2012			2011
	Interest income	$	126,633		$	131,051		$	69,129
	Interest expense	509,437			541,727			505,889
	Net interest expense	(382,804		)	(410,676		)	(436,760		)
	Non-interest income	169,122			1,041,468			1,112,099
	Non-interest expense	829,460			746,278			688,955
	Loss before income taxes and equity in earnings of Bank	(1,043,142		)	(115,486		)	(13,616		)
	Income tax benefit	(337,717		)	(34,936		)	(3,824		)
	Net loss before equity in earnings of Bank	(705,425		)	(80,550		)	(9,792		)
	Equity in earnings of Bank	10,514,484			9,910,238			8,074,569
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Income available to common shares	$	8,289,487		$	8,145,658		$	5,998,761
	Condensed Statements of Cash Flows	2013			2012			2011
	CASH FLOWS FROM OPERATING ACTIVITIES:
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in earnings of Bank	(10,514,484		)	(9,910,238		)	(8,074,569		)
	Net change in other assets and liabilities	95,332			(592,088		)	(319,761		)
	Net cash used in operating activities	(610,093		)	(672,638		)	(329,553		)
	CASH FLOWS FROM INVESTING ACTIVITIES:
	Cash received for investment in joint venture	60,000			—			—
	Dividends received from Bank	12,000,000			13,500,000			6,000,000
	Decrease (increase) in intercompany loan	850,000			(1,010,000		)	(1,450,000		)
	Net cash provided by investing activities	12,910,000			12,490,000			4,550,000
	CASH FLOWS FROM FINANCING ACTIVITIES:
	Purchase of equity trust shares from Treasury, net	566,527			339,517			446,684
	Proceeds from stock options exercised	210,361			503,422			193,955
	Proceeds received from Bank for stock-based compensation	1,424,085			1,357,604			1,009,710
	Commission on shares purchased for dividend reinvestment plan	(24,027		)	(22,013		)	(27,399		)
	Repurchase of preferred shares, net	(7,951,199		)	(6,608,067		)	—
	Repurchase of common stock warrant	—			(1,110,000		)	—
	Dividends paid on common stock	(4,326,992		)	(4,301,725		)	(4,177,009		)
	Dividends paid on preferred stock	(1,234,529		)	(1,626,900		)	(1,626,900		)
	Common stock issued under employee compensation plan	99,997			100,000			99,998
	Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	(635,372		)	(485,704		)	(129,387		)
	Net cash used in financing activities	(11,871,149		)	(11,853,866		)	(4,210,348		)
	Net increase (decrease) in cash and cash equivalents	428,758			(36,504		)	10,099
	Cash and cash equivalents at beginning of year	82,678			119,182			109,083
	Cash and cash equivalents at end of year	$	511,436		$	82,678		$	119,182

SUBSEQUENT_EVENT

SUBSEQUENT EVENT	12 Months Ended
	Sep. 30, 2013
SUBSEQUENT EVENT	'
SUBSEQUENT EVENT	'
	24.               SUBSEQUENT EVENT
	Subsequent to September 30, 2013, management uncovered an elaborate fraud perpetrated against the Bank by one of its commercial loan customers.  The customer, who purported to be in the business of leasing equipment, appears to have created false documentation to purchase assets that did not exist and were the subject of fictitious leases.  The Company’s total exposure to the customer at September 30, 2013 consisted of an aggregate outstanding loan balance of $7.0 million less collateral of $631,000 that was in the Bank’s possession.  As a result, the Company recorded a charge-off totaling $6.4 million effective September 30, 2013, which represented the entire amount of the exposure that was determined to be unsecured as a result of the fraud.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
Principles of Consolidation	'
	Principles of Consolidation - The consolidated financial statements include the accounts of Pulaski Financial Corp. and its wholly-owned subsidiary, Pulaski Bank, and its wholly-owned subsidiaries, Pulaski Service Corporation and Priority Property Holdings, LLC.  All significant intercompany transactions have been eliminated in consolidation.
Use of Estimates	'
	Use of Estimates - The preparation of these consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and that affect the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates. The determination of the allowance for loan losses and the liability for loans sold and the valuation of the deferred tax asset are significant estimates reported within the consolidated financial statements.
Cash and Cash Equivalents	'
	Cash and Cash Equivalents - For purposes of reporting cash flows, cash and cash equivalents include cash and amounts due from depository institutions, cash in transit, cash in the process of collection, federal funds sold, and overnight deposits at the Federal Home Loan Bank of Des Moines (“Federal Home Loan Bank” or “FHLB”) and Federal Reserve Bank of St. Louis (“Federal Reserve”). Generally, federal funds sold mature within one day.
Debt and Mortgage-Backed Securities Available for Sale	'
	Debt and Mortgage-Backed Securities Available for Sale — Debt and mortgage-backed securities available for sale are recorded at their fair values, adjusted for amortization of premiums and accretion of discounts, which are recognized as adjustments to interest income over the life of the securities using the level-yield method. Refer to Note 19, Fair Value Measurements, for additional information regarding how fair values are determined. Unrealized gains or losses on debt and mortgage-backed securities available for sale are included in a separate component of stockholders’ equity, net of deferred income taxes. Gains or losses on the disposition of debt and mortgage-backed securities available for sale are recognized using the specific-identification method.
Mortgage-Backed Securities Held to Maturity	'
	Mortgage-Backed Securities Held to Maturity - Mortgage-backed securities held to maturity are stated at cost, adjusted for amortization of premiums and accretion of discounts, since the Company has both the ability and intent to hold the securities to maturity.  Premium amortization and discount accretion are recognized as adjustments to interest income over the life of the securities using the level-yield method.
Other-Than-Temporary Impairment of Debt and Mortgage-Backed Securities	'
	Other-Than-Temporary Impairment of Debt and Mortgage-Backed Securities - When determining whether a debt or mortgage-backed security is other-than-temporarily impaired, management assesses whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery.  In instances when a determination is made that an other-than-temporary impairment exists but management does not intend to sell the security and it is not more likely than not that it will be required to sell the security prior to its anticipated repayment or maturity, the other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors.  The amount of the total other-than-temporary impairment related to the credit loss is recognized as a charge to earnings.  The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income.
Capital Stock of the Federal Home Loan Bank	'
	Capital Stock of the Federal Home Loan Bank - Capital stock of the Federal Home Loan Bank of Des Moines is required for membership in the FHLB and is carried at cost.  The Bank must maintain a specified level of investment in FHLB stock based upon the amount of its outstanding FHLB borrowings.  The value of FHLB stock is based upon the recoverability of the par value.  In determining the recoverability of this investment, the Company considered the structure of the FHLB system, which enables the regulator of the FHLBs to reallocate debt among the members, so each individual FHLB has a potential obligation to repay the consolidated obligations issued by other FHLB members.  In addition, the regulator for the FHLB system oversees changes to management, management practices and balance sheet management at the FHLB.  Finally, the liquidity position of the FHLB has been strengthened with the support of the U.S. Treasury, which established a lending facility designed to provide secured funding on an as-needed basis to government-sponsored enterprises, such as the FHLB.  The Company continues to monitor this investment for recoverability, but as of September 30, 2013, believed that it would recover the par value of the FHLB stock.
Mortgage Loans Held for Sale	'
	Mortgage Loans Held for Sale — Mortgage loans held for sale consist of loans that management does not intend to hold until maturity and are reflected at the lower of cost or fair value.  Such loans are generally committed to be sold to investors on a best-efforts basis with servicing released. Accordingly, fair values for such loans are based on commitment prices. Gains or losses on loan sales are recognized at the time of sale and are determined by the difference between net sales proceeds and the principal balance of the loans sold, adjusted for net deferred loan fees or costs. Loan origination and commitment fees, net of certain direct loan origination costs, are deferred as an adjustment to the carrying value of the loan until it is sold.
Loans Receivable	'
	Loans Receivable - Loans receivable are stated at the principal amounts outstanding adjusted for premiums, discounts, deferred loan fees and costs, loans in process and the allowance for loan losses.  Loan origination and commitment fees on originated loans, net of certain direct loan origination costs, are deferred and amortized to interest income using the level-yield method over the estimated lives of the related loans. Interest on loans is accrued based upon the principal amounts outstanding. Refer to Note 4, Loans Receivable and Allowance for Losses, for summaries of the Company’s accounting policies regarding impaired loans and the related recognition of interest income, troubled debt restructurings and the allowance for loan losses.
Real Estate Acquired in Settlement of Loans	'
	Real Estate Acquired in Settlement of Loans - Real estate acquired as a result of foreclosure or by deed-in-lieu of foreclosure is initially recorded at the lower of its cost, which is the unpaid principal balance of the related loan plus foreclosure costs, or fair value less estimated selling costs. Any write-down to fair value at the time the property is acquired is recorded as a charge-off to the allowance for loan losses.  Any decline in the fair value of the property subsequent to acquisition is charged to non-interest expense and credited to the allowance for losses on real estate acquired in settlement of loans.  Refer to Note 19, Fair Value Measurements, for additional information regarding how fair values are determined.
Derivative Financial Instruments	'
	Derivative Financial Instruments - The Company originates and purchases derivative financial instruments, including interest rate swaps and interest rate lock commitments.  These instruments have certain interest rate risk characteristics that change in value based upon changes in the capital markets.
	Interest Rate Swaps: The Company periodically uses derivative financial instruments (primarily interest rate swaps) to assist in its interest rate risk management. All derivatives are measured and reported at fair value on the Company’s consolidated balance sheets as either an asset or a liability. For derivatives that are designated and qualify as a fair value hedge, the gain or loss on the derivative, as well as the offsetting gain or loss on the hedged item attributable to the hedged risk, are reported as other assets or other liabilities, as appropriate, in the consolidated balance sheets. For all hedging relationships, derivative gains and losses that are not effective in hedging the changes in fair value of the hedged item are recognized in earnings during the period of the change. Similarly, the changes in the fair value of derivatives that do not qualify for hedge accounting are also reported in non-interest income when they occur.
	The net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. The net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income.
	At the inception of the fair value hedge and quarterly thereafter, a formal assessment is performed to determine whether changes in the fair values of the derivatives have been highly effective in offsetting the changes in the fair values of the underlying hedged item and whether they are expected to be highly effective in the future. The Company formally documents all relationships between hedging instruments and hedged items, as well as its risk-management objective and strategy for undertaking the hedge. This process includes identification of the hedging instrument, hedged item, risk being hedged and the method for assessing effectiveness and measuring ineffectiveness. In addition, on a quarterly basis, the Company assesses whether the derivative used in the hedging transaction is highly effective in offsetting changes in fair value of the hedged item, and measures and records any ineffectiveness as a credit or charge to earnings. The Company discontinues hedge accounting prospectively when it is determined that the derivative is or will no longer be effective in offsetting changes in the fair value of the hedged item, the derivative expires, is sold or terminated, or management determines that designation of the derivative as a hedging instrument is no longer appropriate.
	The estimates of fair values of the Company’s derivatives and related liabilities are calculated by an independent third party using proprietary valuation models. The fair values produced by these valuation models are, in part, theoretical and reflect assumptions, which must be made in using the valuation models. Small changes in assumptions could result in significant changes in valuation. The risks inherent in the determination of the fair value of a derivative may result in income statement volatility.
	The Company periodically uses derivatives to modify the repricing characteristics of certain assets and liabilities so that changes in interest rates do not have a significant adverse effect on net interest income and cash flows and to better match the repricing profile of its interest-bearing assets and liabilities. As a result of interest rate fluctuations, certain interest-sensitive assets and liabilities will gain or lose market value. In an effective fair value hedging strategy, the effect of this change in value will generally be offset by a corresponding change in value of the derivatives linked to the hedged assets and liabilities.
	Interest Rate Lock Commitments:  Commitments to originate loans to be held for sale (interest rate lock commitments), which primarily consist of commitments to originate fixed-rate residential mortgage loans, are recorded at fair value.  Changes in the fair value of interest rate lock commitments are recognized in non-interest income on a quarterly basis.
Premises and Equipment	'
	Premises and Equipment - Premises and equipment are stated at cost, less accumulated depreciation.  Depreciation charged to operations is primarily computed utilizing the straight-line method over the estimated useful lives of the related assets. Estimated lives range from three to forty years for buildings and improvements and three to ten years for furniture and equipment. Maintenance and repairs are charged to expense when incurred. Major renewals and improvements are capitalized. Gains and losses on dispositions are credited or charged to earnings as incurred.
Goodwill	'
	Goodwill - Goodwill represents the amount of acquisition cost over the fair value of net assets acquired in the purchase of another financial institution.  The Company reviews goodwill for impairment at least annually or more frequently if events or changes in circumstances indicate the carrying value of the asset might be impaired.  Impairment is determined by comparing the implied fair value of the reporting unit goodwill with the carrying amount of that goodwill.  If the carrying amount of the reporting unit goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess.  Any such adjustments are reflected in the results of operations in the periods in which they become known.  After a goodwill impairment loss is recognized, the adjusted carrying amount of goodwill becomes its new accounting basis.  No such impairment losses were recognized during any of the years in the three-year period ended September 30, 2013.
Stock-Based Compensation	'
	Stock-Based Compensation - The Company maintains a number of stock-based incentive programs, which are discussed in more detail in Note 15.  All stock-based compensation is recognized as an expense in the consolidated financial statements based on the fair value of the award.
Income Taxes	'
	Income Taxes — Current income tax expense approximates taxes to be paid or refunded for the current period. Deferred income tax expense is computed using the balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and recognizes enacted changes in tax rates and laws in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. A tax position that meets the “more likely than not” recognition threshold is measured to determine the amount of benefit to recognize. The tax position is measured at the largest amount of benefit that is greater than 50% likely of being realized upon settlement. Interest and penalties are recognized as a component of income tax expense.
Reclassifications	'
	Reclassifications - Certain amounts included in the 2012 and 2011 consolidated financial statements have been reclassified to conform to the 2013 presentation.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	12 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
Schedule of computations of basic and diluted earnings per share	'
		Years Ended September 30,
		2013			2012			2011
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Add (less):
	Benefit from repurchase of preferred stock, net	22,604			363,699			—
	Preferred dividends declared	(1,234,529		)	(1,626,900		)	(1,626,900		)
	Accretion of discount on preferred stock	(307,647		)	(420,829		)	(439,116		)
	Income available for common shares	$	8,289,487		$	8,145,658		$	5,998,761
	Weighted average common shares outstanding - basic	10,892,136			10,679,091			10,543,316
	Effect of dilutive securities:
	Treasury stock held in equity trust - unvested shares	192,851			271,779			301,544
	Equivalent shares - employee stock options and awards	47,954			42,992			41,259
	Equivalent shares - common stock warrant	—			—			101,486
	Weighted average common shares outstanding - diluted	11,132,941			10,993,862			10,987,605
	Earnings per share:
	Basic	$	0.76		$	0.76		$	0.57
	Diluted	0.74			0.74			0.55

DEBT_AND_MORTGAGEBACKED_SECURI1

DEBT AND MORTGAGE-BACKED SECURITIES (Tables)	12 Months Ended
	Sep. 30, 2013
DEBT AND MORTGAGE-BACKED SECURITIES	'
Schedule of amortized cost and estimated fair value of debt and mortgage-backed securities held to maturity and available for sale	'
		September 30, 2013
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	HELD TO MATURITY:
	Mortgage-backed securities:
	Ginnie Mae	$	63,961		$	2,250	$	—		$	66,211
	Fannie Mae	4,225,929			240,972		—			4,466,901
	Total	4,289,890			243,222		—			4,533,112
	Collateralized mortgage obligations:
	Freddie Mac	4,206			41		—			4,247
	Total held to maturity	$	4,294,096		$	243,263	$	—		$	4,537,359
	Weighted average yield at end of year	3.72		%
	AVAILABLE FOR SALE:
	Debt obligations of U.S. Treasury	$	9,038,947		$	3,240	$	—		$	9,042,187
	Debt obligations of government-sponsored entities	29,698,954			5,059		(55,302		)	29,648,711
	Mortgage-backed securities:
	Ginnie Mae	220,126			5,809		—			225,935
	Total available for sale	$	38,958,027		$	14,108	$	(55,302	)	$	38,916,833
	Weighted average yield at end of year	0.32		%
		September 30, 2012
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
	HELD TO MATURITY:
	Mortgage-backed securities:
	Ginnie Mae	$	89,752		$	13,085	$	—		$	102,837
	Fannie Mae	5,562,187			426,125		—			5,988,312
	Total	5,651,939			439,210		—			6,091,149
	Collateralized mortgage obligations:
	Freddie Mac	5,024			54		—			5,078
	Total held to maturity	$	5,656,963		$	439,264	$	—		$	6,096,227
	Weighted average yield at end of year	3.76		%
	AVAILABLE FOR SALE:
	Debt obligations of government-sponsored entities	$	21,594,679		$	4,705	$	(4,289	)	$	21,595,095
	Mortgage-backed securities:
	Ginnie Mae	292,101			34,221		—			326,322
	Total available for sale	$	21,886,780		$	38,926	$	(4,289	)	$	21,921,417
	Weighted average yield at end of year	0.46		%
Schedule of amortized cost and fair values of held-to-maturity and available-for-sale debt and mortgage-backed securities by contractual maturity	'
	The amortized cost and fair values of held-to-maturity and available-for-sale debt and mortgage-backed securities at September 30, 2013, by contractual maturity, are shown below.
		Held to Maturity					Available for Sale
		Amortized			Fair		Amortized			Fair
		Cost			Value		Cost			Value
	Term to Maturity:
	One year or less	$	—		$	—	$	25,372,454		$	25,372,477
	Over one through five years	63,961			66,211		11,890,447			11,873,712
	Over five through ten years	205,275			210,220		1,574,683			1,550,201
	Over ten years	4,024,860			4,260,928		120,443			120,443
	Tota1	$	4,294,096		$	4,537,359	$	38,958,027		$	38,916,833

LOANS_RECEIVABLE_AND_ALLOWANCE1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Sep. 30, 2013
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
Summary of loans receivable	'
		2013			2012
	Single-family residential:
	Residential first mortgage	$	212,357,311		$	211,759,949
	Residential second mortgage	43,208,366			42,091,046
	Home equity lines of credit	110,905,455			143,931,567
	Total single-family residential	366,471,132			397,782,562
	Commercial:
	Commercial and multi-family real estate	348,002,617			323,333,936
	Land acquisition and development	40,430,063			47,262,727
	Real estate construction and development	20,548,621			21,906,992
	Commercial and industrial	226,828,695			197,754,774
	Total commercial	635,809,996			590,258,429
	Consumer and installment	2,761,104			2,673,925
		1,005,042,232			990,714,916
	Add (less):
	Deferred loan costs	3,188,386			3,115,384
	Loans in process	(1,256,236		)	(986,063		)
	Allowance for loan losses	(18,306,114		)	(17,116,595		)
	Total	$	988,668,268		$	975,727,642
	Weighted average rate at end of year	4.45		%	4.92		%
Summary of changes in loans to senior officers and directors	'
	Balance, September 30, 2011	$	12,708,975
	Additions	583,232
	Repayments and reclassifications	(12,214,836		)
	Balance, September 30, 2012	1,077,371
	Additions	1,125,408
	Repayments and reclassifications	(669,534		)
	Balance, September 30, 2013	$	1,533,245
Summary of home equity lines of credit scheduled to convert to a fully-amortizing basis	'
		Principal Balance
		At September 30,
		2013
		(In thousands)
	Year ended September 30,
	2014	$	17,816
	2015	13,123
	2016	20,232
	2017	24,664
	2018	32,267
	Thereafter	2,803
	Total	$	110,905
Summary of the activity in the allowance for loan losses	'
		2013			2012			2011
	Balance, beginning of year	$	17,116,595		$	25,713,622		$	26,975,717
	Provision charged to expense	12,090,000			14,450,000			14,800,000
	Charge-offs:
	Residential real estate loans:
	Residential real estate first mortgage	3,364,443			8,034,624			4,519,629
	Residential real estate second mortgage	1,632,770			2,696,028			2,094,004
	Home equity lines of credit	2,401,726			6,028,622			3,002,230
	Total residential real estate loans	7,398,939			16,759,274			9,615,863
	Commercial loans:
	Commercial & multi-family real estate	1,012,650			4,050,492			1,545,367
	Land acquisition & development	73,094			261,725			4,382,462
	Real estate construction & development	259,743			298,045			49,900
	Commercial & industrial	6,833,856			2,067,253			773,848
	Total commercial loans	8,179,343			6,677,515			6,751,577
	Consumer and other	107,094			215,456			100,551
	Total charge-offs	15,685,376			23,652,245			16,467,991
	Recoveries:
	Residential real estate loans:
	Residential real estate first mortgage	79,968			81,260			66,500
	Residential real estate second mortgage	232,353			103,321			117,374
	Home equity lines of credit	544,177			150,146			153,868
	Total residential real estate loans	856,498			334,727			337,742
	Commercial loans:
	Commercial & multi-family real estate	1,638,249			113,837			10,950
	Land acquisition & development	23,160			7,716			2,415
	Real estate construction & development	1,800,303			10,200			1,293
	Commercial & industrial	421,464			117,405			44,883
	Total commercial loans	3,883,176			249,158			59,541
	Consumer and other	45,221			21,333			8,613
	Total recoveries	4,784,895			605,218			405,896
	Net charge-offs	10,900,481			23,047,027			16,062,095
	Balance, end of year	$	18,306,114		$	17,116,595		$	25,713,622
Summary of the changes in the allowance for loan losses, by loan portfolio segment	'
		September 30, 2013
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
	Provision charged to expense	7,168,043			4,773,790			58,548			89,619			12,090,000
	Charge-offs	(7,398,939		)	(8,179,343		)	(107,094		)	—			(15,685,376		)
	Recoveries	856,498			3,883,176			45,221			—			4,784,895
	Balance, end of year	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
		September 30, 2012
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of year	$	16,842,446		$	8,256,032		$	444,281		$	170,863		$	25,713,622
	Provision charged to expense	8,930,212			5,805,628			(221,886		)	(63,954		)	14,450,000
	Charge-offs	(16,759,274		)	(6,677,515		)	(215,456		)	—			(23,652,245		)
	Recoveries	334,727			249,158			21,333			—			605,218
	Balance, end of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
Summary of information regarding the balance in the allowance and the recorded investment in loans by impairment method	'
		September 30, 2013
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Allowance balance at end of year based on:
	Loans individually evaluated for impairment	$	1,852,701		$	536,529		$	16,487		$	—		$	2,405,717
	Loans collectively evaluated for impairment	8,121,012			7,574,397			8,460			196,528			15,900,397
	Loans acquired with deteriorated credit quality	—			—			—			—			—
	Total balance, end of year	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
	Recorded investment in loans receivable at end of year:
	Total loans receivable	$	368,073,208		$	636,138,165		$	2,763,009					$	1,006,974,382
	Loans receivable individually evaluated for impairment	18,902,744			8,758,681			106,724						27,768,149
	Loans receivable collectively evaluated for impairment	349,170,464			627,379,484			2,656,285						979,206,233
	Loans receivable acquired with deteriorated credit quality	—			—			—						—
		September 30, 2012
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Allowance balance at end of year based on:
	Loans individually evaluated for impairment	$	624,825		$	—		$	—		$	—		$	624,825
	Loans collectively evaluated for impairment	8,723,286			7,633,303			28,272			106,909			16,491,770
	Loans acquired with deteriorated credit quality	—			—			—			—			—
	Total balance, end of year	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
	Recorded investment in loans receivable at end of year:
	Total loans receivable	$	398,732,907		$	591,431,264		$	2,680,065					$	992,844,236
	Loans receivable individually evaluated for impairment	42,642,539			22,271,208			208,620						65,122,367
	Loans receivable collectively evaluated for impairment	356,090,368			569,160,056			2,471,445						927,721,869
	Loans receivable acquired with deteriorated credit quality	—			—			—						—
Summary of the unpaid principal balance and recorded investment of impaired loans	'
		September 30, 2013						September 30, 2012
		Unpaid						Unpaid
		Principal						Principal
		Balance						Balance
		Net of			Recorded			Net of			Recorded
		Charge-offs			Investment			Charge-offs			Investment
	Classified as non-performing loans: (1)
	Non-accrual loans	$	9,752,803		$	9,812,044		$	17,462,262		$	17,503,014
	Troubled debt restructurings current under restructured terms	11,305,093			11,371,198			22,198,364			22,284,401
	Troubled debt restructurings past due under restructured terms	6,549,904			6,584,907			7,816,737			7,855,686
	Total non-performing loans	27,607,800			27,768,149			47,477,363			47,643,101
	Troubled debt restructurings returned to accrual status	23,418,016			23,528,528			17,402,455			17,479,266
	Total impaired loans	$	51,025,816		$	51,296,677		$	64,879,818		$	65,122,367
	(1) All non-performing loans at September 30, 2013 and 2012 were classified as non-accrual.
Summary of the principal balance of impaired loans by the impairment method used	'
		2013			2012
		(In thousands)
	Fair value of collateral method	$	39,691		$	42,405
	Present value of cash flows method	11,335			22,475
	Total impaired loans	$	51,026		$	64,880
Summary of unpaid principal balances of impaired loans segregated by loans that had partial charge-offs recorded and loans with no partial charge-offs recorded, and the related recorded investments and allowance for loan losses	'
		September 30, 2013
		Loans with Partial Charge-offs Recorded									Unpaid			Total
								Unpaid			Principal			Unpaid			Total
								Principal			Balance			Principal			Recorded
					Less			Balance			of Loans			Balance			Investment		Related
		Unpaid			Amount of			Net of			With No			Net of			Net of		Allowance
		Principal			Partial			Partial			Partial			Partial			Partial		For Loan
		Balance			Charge-offs			Charge-offs			Charge-offs			Charge-offs			Charge-offs		Losses
	WITH NO RELATED ALLOWANCE RECORDED:
	Residential real estate first mortgage	$	4,817,704		$	1,892,403		$	2,925,301		$	22,621,982		$	25,547,283		$	25,712,587	$	—
	Residential real estate second mortgage	961,909			473,023			488,886			2,648,996			3,137,882			3,154,434		—
	Home equity lines of credit	709,439			290,032			419,407			2,715,868			3,135,275			3,135,274		—
	Total residential real estate	6,489,052			2,655,458			3,833,594			27,986,846			31,820,440			32,002,295		—
	Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
	Real estate construction & development	301,834			259,743			42,091			—			42,091			38,439		—
	Commercial & multi-family real estate	3,827,364			1,159,528			2,667,836			7,628,698			10,296,534			10,343,639		—
	Commercial & industrial	2,239,375			1,434,034			805,341			1,459,460			2,264,801			2,275,433		—
	Total commercial	6,426,096			2,868,184			3,557,912			9,088,158			12,646,070			12,701,217		—
	Consumer and other	121,830			93,842			27,988			111,912			139,900			140,480		—
	Total	13,036,978			5,617,484			7,419,494			37,186,916			44,606,410			44,843,992		—
	WITH AN ALLOWANCE RECORDED:
	Residential real estate first mortgage	286,226			68,947			217,279			3,574,340			3,791,619			3,823,190		1,068,205
	Residential real estate second mortgage	—			—			—			386,847			386,847			388,532		255,196
	Home equity lines of credit	278,663			34,664			243,999			465,885			709,884			709,884		529,300
	Total residential real estate	564,889			103,611			461,278			4,427,072			4,888,350			4,921,606		1,852,701
	Land acquisition and development	—			—			—			—			—			—		—
	Real estate construction & development	—			—			—			—			—			—		—
	Commercial & multi-family real estate	1,251,458			141,660			1,109,798			36,915			1,146,713			1,146,988		351,047
	Commercial & industrial	—			—			—			367,856			367,856			367,605		185,482
	Total commercial	1,251,458			141,660			1,109,798			404,771			1,514,569			1,514,593		536,529
	Consumer and other	—			—			—			16,487			16,487			16,486		16,487
	Total	1,816,347			245,271			1,571,076			4,848,330			6,419,406			6,452,685		2,405,717
	TOTAL:
	Residential real estate first mortgage	5,103,930			1,961,350			3,142,580			26,196,322			29,338,902			29,535,777		1,068,205
	Residential real estate second mortgage	961,909			473,023			488,886			3,035,843			3,524,729			3,542,966		255,196
	Home equity lines of credit	988,102			324,696			663,406			3,181,753			3,845,159			3,845,158		529,300
	Total residential real estate	7,053,941			2,759,069			4,294,872			32,413,918			36,708,790			36,923,901		1,852,701
	Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
	Real estate construction & development	301,834			259,743			42,091			—			42,091			38,439		—
	Commercial & multi-family real estate	5,078,822			1,301,188			3,777,634			7,665,613			11,443,247			11,490,627		351,047
	Commercial & industrial	2,239,375			1,434,034			805,341			1,827,316			2,632,657			2,643,038		185,482
	Total commercial	7,677,554			3,009,844			4,667,710			9,492,929			14,160,639			14,215,810		536,529
	Consumer and other	121,830			93,842			27,988			128,399			156,387			156,966		16,487
	Total	$	14,853,325		$	5,862,755		$	8,990,570		$	42,035,246		$	51,025,816		$	51,296,677	$	2,405,717
		September 30, 2012
		Loans with Partial Charge-offs Recorded									Unpaid			Total
								Unpaid			Principal			Unpaid			Total
								Principal			Balance			Principal			Recorded
					Less			Balance			of Loans			Balance			Investment		Related
		Unpaid			Amount of			Net of			With No			Net of			Net of		Allowance
		Principal			Partial			Partial			Partial			Partial			Partial		For Loan
		Balance			Charge-offs			Charge-offs			Charge-offs			Charge-offs			Charge-offs		Losses
	WITH NO RELATED ALLOWANCE RECORDED:
	Residential real estate first mortgage	$	6,500,049		$	2,503,149		$	3,996,900		$	26,552,991		$	30,549,891		$	30,706,940	$	—
	Residential real estate second mortgage	631,528			343,820			287,708			3,538,534			3,826,242			3,840,089		—
	Home equity lines of credit	1,127,439			512,177			615,262			2,820,956			3,436,218			3,436,217		—
	Total residential real estate	8,259,016			3,359,146			4,899,870			32,912,481			37,812,351			37,983,246		—
	Land acquisition and development	53,858			14,849			39,009			—			39,009			39,009		—
	Real estate construction & development	114,445			49,645			64,800			327,016			391,816			388,767		—
	Commercial & multi-family real estate	9,361,052			3,005,180			6,355,872			9,735,952			16,091,824			16,133,126		—
	Commercial & industrial	5,177,432			908,887			4,268,545			1,437,551			5,706,096			5,710,306		—
	Total commercial	14,706,787			3,978,561			10,728,226			11,500,519			22,228,745			22,271,208		—
	Consumer and other	160,850			113,896			46,954			158,502			205,456			208,620		—
Total	23,126,653			7,451,603			15,675,050			44,571,502			60,246,552			60,463,074		—
WITH AN ALLOWANCE RECORDED:
Residential real estate first mortgage	748,388			226,226			522,162			3,385,622			3,907,784			3,932,673		346,365
Residential real estate second mortgage	—			—			—			392,846			392,846			393,983		191,612
Home equity lines of credit	—			—			—			332,636			332,636			332,637		86,848
Total residential real estate	748,388			226,226			522,162			4,111,104			4,633,266			4,659,293		624,825
Land acquisition and development	—			—			—			—			—			—		—
Real estate construction & development	—			—			—			—			—			—		—
Commercial & multi-family real estate	—			—			—			—			—			—		—
Commercial & industrial	—			—			—			—			—			—		—
Total commercial	—			—			—			—			—			—		—
Consumer and other	—			—			—			—			—			—		—
Total	748,388			226,226			522,162			4,111,104			4,633,266			4,659,293		624,825
TOTAL:
Residential real estate first mortgage	7,248,437			2,729,375			4,519,062			29,938,613			34,457,675			34,639,613		346,365
Residential real estate second mortgage	631,528			343,820			287,708			3,931,380			4,219,088			4,234,072		191,612
Home equity lines of credit	1,127,439			512,177			615,262			3,153,592			3,768,854			3,768,854		86,848
Total residential real estate	9,007,404			3,585,372			5,422,032			37,023,585			42,445,617			42,642,539		624,825
Land acquisition and development	53,858			14,849			39,009			—			39,009			39,009		—
Real estate construction & development	114,445			49,645			64,800			327,016			391,816			388,767		—
Commercial & multi-family real estate	9,361,052			3,005,180			6,355,872			9,735,952			16,091,824			16,133,126		—
Commercial & industrial	5,177,432			908,887			4,268,545			1,437,551			5,706,096			5,710,306		—
Total commercial	14,706,787			3,978,561			10,728,226			11,500,519			22,228,745			22,271,208		—
Consumer and other	160,850			113,896			46,954			158,502			205,456			208,620		—
Total	$	23,875,041		$	7,677,829		$	16,197,212		$	48,682,606		$	64,879,818		$	65,122,367	$	624,825
	Year Ended
	September 30, 2013						September 30, 2012
	Average			Interest			Average			Interest
	Recorded			Income			Recorded			Income
	Investment			Recognized			Investment			Recognized
With no related allowance recorded:
Residential real estate first mortgage	$	28,661,473		$	1,005,357		$	29,553,434		$	1,026,328
Residential real estate second mortgage	3,373,188			131,655			3,426,107			148,162
Home equity lines of credit	3,697,746			38,282			3,492,655			71,781
Land acquisition and development	55,181			—			29,816			—
Real estate construction & development	118,666			—			936,763			4,986
Commercial & multi-family real estate	12,768,153			179,395			12,599,341			883,784
Commercial & industrial	4,606,779			44,508			4,242,100			261,714
Consumer and other	149,888			297			196,759			2,787
Total				1,399,494						2,399,542
With an allowance recorded:
Residential real estate first mortgage	3,386,052			—			8,404,107			78,724
Residential real estate second mortgage	402,864			—			827,732			5,334
Home equity lines of credit	439,541			—			887,651			11,614
Land acquisition and development	—			—			222,104			—
Real estate construction & development	—			—			107,306			—
Commercial & multi-family real estate	745,145			—			1,054,726			—
Commercial & industrial	227,982			—			286,417			—
Consumer and other	4,042			—			87,439			—
Total				—						95,672
Total:
Residential real estate first mortgage	32,047,525			1,005,357			37,957,541			1,105,052
Residential real estate second mortgage	3,776,052			131,655			4,253,839			153,496
Home equity lines of credit	4,137,287			38,282			4,380,306			83,395
Land acquisition and development	55,181			—			251,920			—
Real estate construction & development	118,666			—			1,044,069			4,986
Commercial & multi-family real estate	13,513,298			179,395			13,654,067			883,784
Commercial & industrial	4,834,761			44,508			4,528,517			261,714
Consumer and other	153,930			297			284,198			2,787
Total				$	1,399,494					$	2,495,214
Summary of the recorded investment in loans receivable by class that were 30 days or more past due	'
		September 30, 2013
																			90 Days
								90 Days									Total		or More
		30 to 59 Days			60 to 89 Days			or More			Total						Loans		And Still
		Past Due			Past Due			Past Due			Past Due			Current			Receivable		Accruing		Nonaccrual
	Residential real estate:
	Residential real estate first mortgage	$	2,661,510		$	1,033,315		$	4,618,113		$	8,312,938		$	204,993,105		$	213,306,043	$	—	$	14,593,039
	Residential real estate second mortgage	172,686			44,601			366,645			583,932			42,743,577			43,327,509		—		1,510,637
	Home equity lines of credit	1,301,620			706,112			1,210,541			3,218,273			108,221,383			111,439,656		—		2,799,067
	Total residential real estate	4,135,816			1,784,028			6,195,299			12,115,143			355,958,065			368,073,208		—		18,902,743
	Commercial:
	Land acquisition and development	—			—			4,278,495			4,278,495			36,234,753			40,513,248		4,278,495		43,706
	Real estate construction & development	18,957			—			—			18,957			20,506,816			20,525,773		—		38,439
	Commercial & multi-family real estate	—			278,163			3,108,453			3,386,616			344,732,193			348,118,809		—		6,039,604
	Commercial & industrial	24,175			3,509			450,925			478,609			226,501,726			226,980,335		—		2,636,932
	Total commercial	43,132			281,672			7,837,873			8,162,677			627,975,488			636,138,165		4,278,495		8,758,681
	Consumer and other	555			3,163			16,987			20,705			2,742,304			2,763,009		—		106,725
	Total	$	4,179,503		$	2,068,863		$	14,050,159		$	20,298,525		$	986,675,857		$	1,006,974,382	$	4,278,495	$	27,768,149
		September 30, 2012
																			90 Days
								90 Days									Total		or More
		30 to 59 Days			60 to 89 Days			or More			Total						Loans		And Still
		Past Due			Past Due			Past Due			Past Due			Current			Receivable		Accruing		Nonaccrual
	Residential real estate:
	Residential real estate first mortgage	$	2,567,694		$	3,229,337		$	5,792,387		$	11,589,418		$	200,183,277		$	211,772,695	$	—	$	21,635,255
	Residential real estate second mortgage	264,540			273,642			433,195			971,377			41,277,730			42,249,107		—		2,257,475
	Home equity lines of credit	1,940,740			902,941			1,182,495			4,026,176			140,684,929			144,711,105		—		3,420,409
	Total residential real estate	4,772,974			4,405,920			7,408,077			16,586,971			382,145,936			398,732,907		—		27,313,139
	Commercial:
	Land acquisition and development	110,308			—			39,009			149,317			47,186,229			47,335,546		—		39,009
	Real estate construction & development	—			—			357,643			357,643			21,535,974			21,893,617		—		388,767
	Commercial & multi-family real estate	290,776			69,756			8,230,195			8,590,727			315,502,338			324,093,065		—		14,155,739
	Commercial & industrial	23,421			—			266,042			289,463			197,819,573			198,109,036		—		5,601,512
	Total commercial	424,505			69,756			8,892,889			9,387,150			582,044,114			591,431,264		—		20,185,027
	Consumer and other	5,467			4,152			149,861			159,480			2,520,585			2,680,065		—		144,935
	Total	$	5,202,946		$	4,479,828		$	16,450,827		$	26,133,601		$	966,710,635		$	992,844,236	$	—	$	47,643,101
Summary of the recorded investment of loan risk ratings by class	'
		September 30, 2013
					Special
		Pass			Mention			Substandard			Doubtful			Loss
	Residential real estate first mortgage	$	197,061,832		$	269,891		$	10,833,561		$	5,140,759		$	—
	Residential real estate second mortgage	41,767,041			49,831			1,101,032			409,605			—
	Home equity lines of credit	108,494,113			—			1,371,395			1,574,148			—
	Total residential real estate	347,322,986			319,722			13,305,988			7,124,512			—
	Land acquisition and development	27,675,231			6,954,392			5,883,625			—			—
	Real estate construction & development	20,487,334			—			38,439			—			—
	Commercial & multi-family real estate	324,959,886			6,939,560			16,159,063			60,300			—
	Commercial & industrial	218,776,888			4,936,156			3,267,291			—			—
	Total commercial	591,899,339			18,830,108			25,348,418			60,300			—
	Consumer and other	2,656,284			—			—			106,725			—
	Total	941,878,609			19,149,830			38,654,406			7,291,537			—
	Less related specific allowance	—			—			(1,058,007		)	(1,347,710		)	—
	Total net of allowance	$	941,878,609		$	19,149,830		$	37,596,399		$	5,943,827		$	—
		September 30, 2012
					Special
		Pass			Mention			Substandard			Doubtful			Loss
	Residential real estate first mortgage	$	185,061,008		$	462,421		$	23,039,578		$	3,209,688		$	—
	Residential real estate second mortgage	39,698,676			181,825			1,779,092			589,514			—
	Home equity lines of credit	139,910,992			146,631			3,511,016			1,142,466			—
	Total residential real estate	364,670,676			790,877			28,329,686			4,941,668			—
	Land acquisition and development	34,632,857			4,549,053			8,153,636			—			—
	Real estate construction & development	21,504,850			—			34,173			354,594			—
	Commercial & multi-family real estate	297,366,661			1,189,914			22,729,017			2,807,473			—
	Commercial & industrial	184,570,394			575,990			12,962,652			—			—
	Total commercial	538,074,762			6,314,957			43,879,478			3,162,067			—
	Consumer and other	2,535,130			—			—			144,935			—
	Total	905,280,568			7,105,834			72,209,164			8,248,670			—
	Less related specific allowance	—			—			(624,825		)	—			—
	Total net of allowance	$	905,280,568		$	7,105,834		$	71,584,339		$	8,248,670		$	—
Summary of unpaid principal balance and recorded investment of troubled debt restructurings	'
		September 30, 2013						September 30, 2012
		Unpaid						Unpaid
		Principal						Principal
		Balance						Balance
		Net of			Recorded			Net of			Recorded
		Charge-offs			Investment			Charge-offs			Investment
	Classified as non-performing loans (1):
	Current under restructured terms	$	11,305,093		$	11,371,198		$	22,198,364		$	22,284,401
	Past due under restructured terms	6,549,904			6,584,907			7,816,737			7,855,686
	Total non-performing	17,854,997			17,956,105			30,015,101			30,140,087
	Returned to accrual status	23,418,016			23,528,528			17,402,455			17,479,266
	Total troubled debt restructurings	$	41,273,013		$	41,484,633		$	47,417,556		$	47,619,353
	(1) All non-performing loans at September 30, 2013 and 2012 were classified as non-accrual.
Schedule of restructured accruing loans and defaulted during the period	'
											Restructured During Preceding
		Total Restructured During									Twelve Months and Defaulted During
		Year Ended September 30,									Year Ended September 30,
		2013			2012			2011			2013			2012			2011
	Residential mortgage loans	$	3,950,779		$	7,667,713		$	11,916,113		$	3,611,561		$	17,826,288		$	12,931,213
	Commercial loans	5,086,481			7,689,631			7,806,257			89,296			1,607,578			650,959
	Consumer loans	1,341			41,954			—			—			312,165			—
	Total	$	9,038,601		$	15,399,298		$	19,722,370		$	3,700,857		$	19,746,031		$	13,582,172

REAL_ESTATE_ACQUIRED_IN_SETTLE1

REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS (Tables)	12 Months Ended
	Sep. 30, 2013
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'
Schedule of real estate acquired in settlement of loans	'
		2013			2012
	Residential real estate	$	5,162,875		$	2,798,934
	Commercial real estate	3,069,637			15,860,009
		8,232,512			18,658,943
	Less allowance for losses	(1,837,800		)	(4,706,775		)
	Total	$	6,394,712		$	13,952,168
Schedule of allowance for losses on real estate acquired in settlement of loans	'
		2013			2012			2011
	Balance, beginning of year	$	4,706,775		$	2,515,800		$	1,651,100
	Provision charged to non-interest expense	1,770,126			3,175,919			2,118,500
	Charge-offs	(4,639,101		)	(984,944		)	(1,253,800		)
	Balance, end of year	$	1,837,800		$	4,706,775		$	2,515,800

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2013
PREMISES AND EQUIPMENT	'
Schedule of premises and equipment	'
		2013			2012
	Land	$	5,578,914		$	5,578,914
	Office buildings and improvements	16,194,896			16,120,660
	Furniture and equipment	13,177,233			12,742,901
		34,951,043			34,442,475
	Less accumulated depreciation	(17,091,930		)	(16,026,498		)
	Total	$	17,859,113		$	18,415,977
Schedule of future minimum rental commitments under non-cancelable leases	'
	Due in years ending September 30,
	2014	$	1,342,719
	2015	1,390,844
	2016	1,099,365
	2017	963,265
	2018	625,569
	Thereafter	1,049,717
	Total	$	6,471,479

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2013
DEPOSITS	'
Summary of deposits	'
		September 30, 2013				September 30, 2012
				Weighted					Weighted
				Average					Average
				Interest					Interest
		Amount		Rate		Amount			Rate
	Demand deposits:
	Non-interest-bearing checking	$	168,031,839	—		$	173,374,357		—
	Interest-bearing checking	237,362,430		0.1	%	276,541,695			0.14	%
	Savings accounts	39,845,424		0.13	%	37,257,869			0.14	%
	Money market	206,926,830		0.26	%	149,193,821			0.26	%
	Total demand deposits	652,166,523		0.13	%	636,367,742			0.13	%
	Certificates of deposit:
	Traditional	313,216,661		0.84	%	365,847,877			1.17	%
	CDARS	45,428,415		0.28	%	79,482,699			0.34	%
	Total certificates of deposit	358,645,076		0.77	%	445,330,576			1.02	%
	Total deposits	$	1,010,811,599	0.35	%	$	1,081,698,318		0.5	%
Schedule of maturities of certificates of deposit	'
	Maturing within:
	Three months ending:
	December 31, 2013	$	78,663,900
	March 31, 2014	74,277,255
	June 30, 2014	59,659,114
	September 30, 2014	40,360,758
	Year ending September 30:
	2015	84,319,971
	2016	16,327,061
	2017	2,805,819
	2018	2,231,198
	Total	$	358,645,076
Summary of interest expense on deposits	'
		2013		2012			2011
	Interest-bearing checking	$	476,217	$	1,179,971		$	2,563,968
	Savings	69,725		81,415			58,269
	Money market	516,768		821,901			1,295,459
	Certificates of deposit	3,902,473		5,109,586			7,409,683
	Total	$	4,965,183	$	7,192,873		$	11,327,379

BORROWED_MONEY_Tables

BORROWED MONEY (Tables)	12 Months Ended
	Sep. 30, 2013
BORROWED MONEY	'
Schedule of borrowed money	'
		2013				2012
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	Retail repurchase agreements	$	35,482,909	0.1	%	$	20,981,455	0.1	%
	FHLB advances maturing within the year ending September 30:
	2012	—		—	%	60,000,000		0.25	%
	2013	49,000,000		0.24	%	—		—
	2015	25,000,000		2.7	%	25,000,000		2.7	%
	Thereafter	4,000,000		5.48	%	4,000,000		5.48	%
	Total FHLB advances	78,000,000		1.3	%	89,000,000		1.18	%
	Total borrowed money	$	113,482,909	0.93	%	$	109,981,455	0.97	%

LIABILITY_FOR_LOANS_SOLD_Table

LIABILITY FOR LOANS SOLD (Tables)	12 Months Ended
	Sep. 30, 2013
LIABILITY FOR LOANS SOLD	'
Summary of principal balance of mortgage loan repurchase demands on loans previously sold	'
		2013			2012
	Received during period	$	8,720,000		$	16,639,000
	Resolved during period	8,148,000			20,228,000
	Unresolved at end of period	5,638,000			5,066,000
Summary of the changes in the mortgage loan repurchase reserve	'
		2013			2012
	Balance at beginning of period	$	977,134		$	1,257,146
	Provisions charged to expense	951,065			2,005,865
	Amounts paid to resolve demands	(575,104		)	(2,285,877		)
	Balance at end of period	$	1,353,095		$	977,134
Summary of the manner in which the Company resolved mortgage loan repurchase demands received from its investors	'
		2013						2012
		Principal Balance			Payments			Principal Balance		Payments
		of Loans			Charged to			of Loans		Charged to
		Involved in			Liability for			Involved in		Liability for
		Existing Claims			Loans Sold			Existing Claims		Loans Sold
		That Were						That Were
		Resolved						Resolved
	Resolved by providing additional documentation with no further action required	$	6,517,000		$	—		$	9,375,000	$	—
	Resolved by make whole and early payment default payments to reimburse investors for losses incurred	195,000			51,078			776,000		147,777
	Resolved by repurchasing loans previously sold to investors	1,436,000			328,844			889,000		116,324
	Payments due upon early payoff of loans previously sold	—			195,182			—		71,776
	Resolved under global settlement agreements	—			—			9,188,000		1,950,000
	Total	$	8,148,000		$	575,104		$	20,228,000	$	2,285,877

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2013
INCOME TAXES	'
Summary of Income tax expense	'
		2013			2012			2011
	Current expense:
	Federal	$	3,075,524		$	2,614,954		$	2,387,642
	State	624,000			527,100			377,500
	Deferred expense	1,097,072			1,121,173			384,665
	Total	$	4,796,596		$	4,263,227		$	3,149,807
Schedule of income tax expense differs from that computed at the federal statutory rate	'
		2013					2012				2011
		Amount			%		Amount			%	Amount		%
	Tax at statutory federal income tax rate	$	5,111,979		35.00%		$	4,932,520		35.00%	$	3,812,959	34.00%
	Non-taxable income from bank-owned life insurance	-316,112			-2.20%		-350,563			-2.50%	-364,357		-3.30%
	Non-taxable interest and dividends	-454,939			-3.10%		-517,512			-3.70%	-487,417		-4.30%
	State taxes, net of federal benefit	405,600			2.80%		342,615			2.40%	249,150		2.20%
	Other, net	50,068			0.30%		-143,833			-0.90%	-60,528		-0.50%
	Total	$	4,796,596		32.80%		$	4,263,227		30.30%	$	3,149,807	28.10%
Schedule of components of deferred tax assets and liabilities	'
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	8,112,015		$	8,378,598
	Stock-based compensation	886,437			625,609
	Non-accrual interest	290,729			733,418
	Deferred compensation	1,580,622			2,013,960
	Equity investments	126,614			117,870
	Unrealized losses on securities available for sale	15,654			—
	Other	411,189			739,580
	Total deferred tax assets	11,423,260			12,609,035
	Deferred tax liabilities:
	FHLB stock dividends	152,311			152,311
	Core deposit intangible	8,441			15,559
	Premises and equipment	673,568			768,039
	Unrealized gains on securities available for sale	—			13,161
	Other	18,705			21,473
	Total deferred tax liabilities	853,025			970,543
	Net deferred tax assets	$	10,570,235		$	11,638,492
Schedule of aggregate changes in the balance of gross unrecognized tax benefits	'
	Balance at September 30, 2012	$	129,000
	Increases related to tax positions taken during a prior period	—
	Decreases related to tax positions taken during a prior period	—
	Increases related to tax positions taken during the current period	32,000
	Decreases related to tax positions taken during the current period	—
	Decreases related to settlements with taxing authorities	—
	Decreases related to the expiration of the statute of limitations	(32,000		)
	Balance at September 30, 2013	$	129,000

REGULATORY_CAPITAL_REQUIREMENT1

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Sep. 30, 2013
REGULATORY CAPITAL REQUIREMENTS	'
Schedule of minimum total risk-based, Tier I risk-based and Tier I leverage ratios to be maintained for bank to be categorized as "well capitalized"	'
											To be Categorized as
											“Well Capitalized”
											under Prompt
							For Capital				Corrective Action
		Actual					Adequacy Purposes				Provisions
		Amount			Ratio		Amount		Ratio		Amount		Ratio
		(Dollars in thousands)
	As of September 30, 2013:
	Tangible capital (to total assets)	$	127,757		10.05	%	$	19,064	1.5	%	N/A		N/A
	Total risk-based capital (to risk- weighted assets)	140,336			14.03	%	80,016		8	%	$	100,020	10	%
	Tier I risk-based capital (to risk- weighted assets)	127,757			12.77	%	N/A		N/A		60,012		6	%
	Tier I leverage capital (to average assets)	127,757			10.05	%	50,838		4	%	63,547		5	%
	As of September 30, 2012:
	Tangible capital (to total assets)	$	129,223		9.63	%	$	20,134	1.5	%	N/A		N/A
	Total risk-based capital (to risk- weighted assets)	142,378			13.58	%	83,873		8	%	$	104,841	10	%
	Tier I risk-based capital (to risk- weighted assets)	129,223			12.33	%	N/A		N/A		62,905		6	%
	Tier I leverage capital (to average assets)	129,223			9.63	%	53,690		4	%	67,113		5	%
Schedule of reconciliation of Tier I stockholders' equity and regulatory risk-based capital	'
	A reconciliation of the Bank’s Tier I stockholders’ equity and regulatory risk-based capital at September 30, 2013 follows:
		(In thousands)
	Tier I stockholders’ equity	$	131,697
	Deduct:
	Intangible assets	(3,961		)
	Disallowed servicing rights	(5		)
	Add:
	Unrealized losses on available-for-sale securities	26
	Tangible capital	127,757
	Add:
	General valuation allowances	12,579
	Total risk-based capital	$	140,336

EMPLOYEE_BENEFITS_Tables

EMPLOYEE BENEFITS (Tables)	12 Months Ended
	Sep. 30, 2013
EMPLOYEE BENEFITS	'
Summary of activity in the Company's restricted stock awards	'
		2013					2012				2011
				Weighted					Weighted				Weighted
				Average					Average				Average
				Grant-Date					Grant-Date				Grant-Date
		Number		Fair Value			Number		Fair Value		Number		Fair Value
	Nonvested at beginning of year	365,170		$	7.13		115,078		$	6.89	67,219		$	6.45
	Granted	42,221		8.72			298,727		7.05		67,248		7.49
	Vested	(137,861	)	7.27			(47,877	)	6.02		(12,996	)	7.43
	Forfeited	—		—			(758	)	6.59		(6,393	)	7.43
	Nonvested at end of year	269,530		$	7.31		365,170		$	7.13	115,078		$	6.89
Summary of activity in the Company's stock option program	'
		2013									2012				2011
										Weighted
				Weighted						Average			Weighted				Weighted
				Average			Aggregate			Remaining			Average				Average
				Exercise			Intrinsic			Contractual			Exercise				Exercise
		Number		Price			Value			Life (years)	Number		Price		Number		Price
	Outstanding at beginning of year	629,936		$	11.2						759,684		$	10.56	849,840		$	10.4
	Granted	17,500		8.39							—		—		—		—
	Exercised	(23,400	)	8.99							(84,456	)	5.96		(33,397	)	5.81
	Forfeited	(19,450	)	9.53							(45,292	)	10.18		(56,759	)	10.96
	Outstanding at end of year	604,586		$	11.26		$	512,296		4	629,936		$	11.2	759,684		$	10.56
	Exercisable at end of year	586,386		$	11.35		$	475,784		3.9	578,387		$	11.19	604,387		$	10.65
Summary of total stock-based compensation expense	'
		2013			2012			2011
	Total expense	$	1,222,419		$	1,179,683		$	590,457
	Earnings per share:
	Basic	$	0.07		$	0.07		$	0.03
	Diluted	0.07			0.07			0.03
Schedule of average assumptions used for estimated fair value of stock options using Black-Scholes option pricing model	'
	Risk-free interest rate	0.85	%
	Expected volatility	44.36	%
	Expected life in years	6
	Dividend yield	5.02	%
	Expected forfeiture rate	5.3	%

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Sep. 30, 2013
COMMITMENTS AND CONTINGENCIES	'
Summary of notional amount of commitments representing off-balance sheet financial instruments	'
		2013		2012
		(In thousands)
	Commitments to originate residential first and second mortgage loans	$	65,936	$	121,096
	Commitments to originate commercial mortgage loans	62,626		46,058
	Commitments to originate non-mortgage loans	15,778		12,458
	Unused lines of credit - residential	67,265		92,692
	Unused lines of credit - commercial	148,411		102,311

DERIVATIVES_Tables

DERIVATIVES (Tables)	12 Months Ended
	Sep. 30, 2013
DERIVATIVES	'
Summary of fair values of contracts recorded in consolidated balance sheets	'
		2013			2012
	Fair value recorded in other assets	$	843,000		$	1,360,000
	Fair value recorded in other liabilities	843,000			1,360,000
Summary of gross gains and losses on contracts recorded in non-interest expense in consolidated statement of income and comprehensive income	'
		2013			2012
	Gross losses on derivative financial assets	$	517,000		$	316,000
	Gross gains on derivative financial liabilities	(517,000		)	(316,000		)
	Net gain or loss	$	—		$	—

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
Schedule of assets and liabilities recorded at fair value on recurring basis	'
		Carrying Value at September 30, 2013
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	38,917	$	—	$	38,917	$	—
	Interest-rate swap	843		—		843		—
	Total assets	$	39,760	$	—	$	39,760	$	—
	Liabilities:
	Interest-rate swap	$	843	$	—	$	843	$	—
	Total liabilities	$	843	$	—	$	843	$	—
		Carrying Value at September 30, 2012
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	21,921	$	—	$	21,921	$	—
	Interest-rate swap	1,360		—		1,360		—
	Total assets	$	23,281	$	—	$	23,281	$	—
	Liabilities:
	Interest-rate swap	$	1,360	$	—	$	1,360	$	—
	Total liabilities	$	1,360	$	—	$	1,360	$	—
Schedule of assets recorded at fair value on a non-recurring basis	'
										Total Losses
										Recognized in
		Carrying Value at September 30, 2013								the Year Ended
				Fair Value Measurements Using						September 30,
		Total		Level 1		Level 2		Level 3		2013
		(In thousands)
	Assets:
	Impaired loans, net	$	4,014	$	—	$	—	$	4,014	$	8,740
	Real estate acquired in settlement of loans	6,395		—		—		6,395		3,742
	Total assets	$	10,409	$	—	$	—	$	10,409	$	12,482
										Total Losses
										Recognized in
		Carrying Value at September 30, 2012								the Year Ended
				Fair Value Measurements Using						September 30,
		Total		Level 1		Level 2		Level 3		2012
		(In thousands)
	Assets:
	Impaired loans, net	$	4,008	$	—	$	—	$	4,008	$	6,083
	Real estate acquired in settlement of loans	13,952		—		—		13,952		5,790
	Total assets	$	17,960	$	—	$	—	$	17,960	$	11,873

DISCLOSURES_ABOUT_FAIR_VALUES_1

DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Sep. 30, 2013
DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS	'
Summary of carrying values and estimated fair values	'
		Level in	2013				2012
		Fair Value			Estimated				Estimated
		Measurement	Carrying		Fair		Carrying		Fair
		Hierarchy	Value		Value		Value		Value
			(In thousands)
	ASSETS:
	Cash and cash equivalents	Level 1	$	86,309	$	86,309	$	62,335	$	62,335
	Debt and mortgage-backed securities - AFS	Level 2	38,917		38,917		21,921		21,921
	Capital stock of FHLB	Level 2	4,777		4,777		5,559		5,559
	Mortgage-backed securities - HTM	Level 2	4,294		4,537		5,657		6,096
	Mortgage loans held for sale	Level 2	70,473		72,481		180,575		185,641
	Loans receivable	Level 3	988,668		1,001,898		975,728		1,024,992
	Accrued interest receivable	Level 1	3,151		3,151		3,889		3,889
	Interest-rate swap assets	Level 2	843		843		1,360		1,360
	LIABILITIES:
	Deposit transaction accounts	Level 2	652,167		652,167		636,368		636,368
	Certificates of deposit	Level 2	358,645		359,917		445,331		446,529
	Borrowed money	Level 2	113,483		115,254		109,981		112,845
	Subordinated debentures	Level 2	19,589		19,583		19,589		19,583
	Accrued interest payable	Level 2	470		470		695		695
	Interest-rate swap liabilities	Level 2	843		843		1,360		1,360

SELECTED_QUARTERLY_FINANCIAL_D1

SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Sep. 30, 2013
SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)	'
Schedule of results of operations by quarter	'
		First		Second		Third		Fourth
	Year Ended September 30, 2013	Quarter		Quarter		Quarter		Quarter
	Interest income	$	13,612,790	$	13,176,256	$	12,707,194	$	12,117,382
	Interest expense	1,805,452		1,687,527		1,545,575		1,406,250
	Net interest income	11,807,338		11,488,729		11,161,619		10,711,132
	Provision for loan losses	2,065,000		1,375,000		1,800,000		6,850,000
	Net interest income after loan loss provision	9,742,338		10,113,729		9,361,619		3,861,132
	Non-interest income	4,716,128		4,635,892		4,913,580		4,504,483
	Non-interest expense	9,858,192		9,105,717		8,797,381		9,481,956
	Income (loss) before taxes	4,600,274		5,643,904		5,477,818		(1,116,341		)
	Income tax expense (benefit)	1,472,545		1,991,730		1,869,647		(537,326		)
	Net income (loss)	$	3,127,729	$	3,652,174	$	3,608,171	$	(579,015	)
	Income (loss) available to common shares	$	2,722,270	$	3,246,407	$	3,262,705	$	(941,895	)
	Earnings (loss) per common share - basic	$	0.25	$	0.3	$	0.3	$	(0.09	)
	Earnings (loss) per common share - diluted	$	0.25	$	0.29	$	0.29	$	(0.08	)
	Weighted average common shares outstanding - basic	10,815,633		10,916,522		10,914,913		10,922,253
	Weighted average common shares outstanding - diluted	11,066,355		11,136,801		11,147,049		11,124,759
		First		Second		Third		Fourth
	Year Ended September 30, 2012	Quarter		Quarter		Quarter		Quarter
	Interest income	$	14,623,636	$	14,010,747	$	13,663,082	$	13,410,827
	Interest expense	2,509,051		2,189,946		2,015,743		1,963,062
	Net interest income	12,114,585		11,820,801		11,647,339		11,447,765
	Provision for loan losses	3,000,000		5,500,000		3,000,000		2,950,000
	Net interest income after loan loss provision	9,114,585		6,320,801		8,647,339		8,497,765
	Non-interest income	3,415,425		3,554,725		4,102,096		4,631,462
	Non-interest expense	8,131,427		7,941,739		8,790,391		9,327,727
	Income before taxes	4,398,583		1,933,787		3,959,044		3,801,500
	Income tax expense	1,356,507		564,780		1,212,795		1,129,145
	Net income	$	3,042,076	$	1,369,007	$	2,746,249	$	2,672,355
	Income available to common shares	$	2,524,606	$	851,149	$	2,228,000	$	2,541,903
	Earnings per common share - basic	$	0.24	$	0.08	$	0.21	$	0.24
	Earnings per common share - diluted	$	0.23	$	0.08	$	0.2	$	0.23
	Weighted average common shares outstanding - basic	10,605,620		10,659,123		10,709,072		10,742,660
	Weighted average common shares outstanding - diluted	11,004,706		11,132,612		11,121,025		11,019,007

CONDENSED_PARENTCOMPANYONLY_FI1

CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS. (Tables) (Parent-company-only)	12 Months Ended
	Sep. 30, 2013
Parent-company-only	'
Condensed Financial Statements	'
Schedule of condensed parent-company-only balance sheets	'
	Condensed Balance Sheets	2013			2012
	ASSETS:
	Cash and cash equivalents	$	511,436		$	82,678
	Investment in Bank	131,697,972			133,230,503
	Intercompany loan to Bank	3,510,000			4,360,000
	Other assets	1,687,394			2,051,521
	Total assets	$	137,406,802		$	139,724,702
	LIABILITIES:
	Subordinated debentures	$	19,589,000		$	19,589,000
	Dividends payable	1,084,768			1,078,292
	Other liabilities	674,968			890,238
	Total liabilities	21,348,736			21,557,530
	STOCKHOLDER’S EQUITY	116,058,066			118,167,172
	Total liabilities and stockholder’s equity	$	137,406,802		$	139,724,702
Schedule of condensed parent-company-only statements of income	'
	Condensed Statements of Income	2013			2012			2011
	Interest income	$	126,633		$	131,051		$	69,129
	Interest expense	509,437			541,727			505,889
	Net interest expense	(382,804		)	(410,676		)	(436,760		)
	Non-interest income	169,122			1,041,468			1,112,099
	Non-interest expense	829,460			746,278			688,955
	Loss before income taxes and equity in earnings of Bank	(1,043,142		)	(115,486		)	(13,616		)
	Income tax benefit	(337,717		)	(34,936		)	(3,824		)
	Net loss before equity in earnings of Bank	(705,425		)	(80,550		)	(9,792		)
	Equity in earnings of Bank	10,514,484			9,910,238			8,074,569
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Income available to common shares	$	8,289,487		$	8,145,658		$	5,998,761
Schedule of condensed parent-company-only statements of cash flows	'
	Condensed Statements of Cash Flows	2013			2012			2011
	CASH FLOWS FROM OPERATING ACTIVITIES:
	Net income	$	9,809,059		$	9,829,688		$	8,064,777
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in earnings of Bank	(10,514,484		)	(9,910,238		)	(8,074,569		)
	Net change in other assets and liabilities	95,332			(592,088		)	(319,761		)
	Net cash used in operating activities	(610,093		)	(672,638		)	(329,553		)
	CASH FLOWS FROM INVESTING ACTIVITIES:
	Cash received for investment in joint venture	60,000			—			—
	Dividends received from Bank	12,000,000			13,500,000			6,000,000
	Decrease (increase) in intercompany loan	850,000			(1,010,000		)	(1,450,000		)
	Net cash provided by investing activities	12,910,000			12,490,000			4,550,000
	CASH FLOWS FROM FINANCING ACTIVITIES:
	Purchase of equity trust shares from Treasury, net	566,527			339,517			446,684
	Proceeds from stock options exercised	210,361			503,422			193,955
	Proceeds received from Bank for stock-based compensation	1,424,085			1,357,604			1,009,710
	Commission on shares purchased for dividend reinvestment plan	(24,027		)	(22,013		)	(27,399		)
	Repurchase of preferred shares, net	(7,951,199		)	(6,608,067		)	—
	Repurchase of common stock warrant	—			(1,110,000		)	—
	Dividends paid on common stock	(4,326,992		)	(4,301,725		)	(4,177,009		)
	Dividends paid on preferred stock	(1,234,529		)	(1,626,900		)	(1,626,900		)
	Common stock issued under employee compensation plan	99,997			100,000			99,998
	Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	(635,372		)	(485,704		)	(129,387		)
	Net cash used in financing activities	(11,871,149		)	(11,853,866		)	(4,210,348		)
	Net increase (decrease) in cash and cash equivalents	428,758			(36,504		)	10,099
	Cash and cash equivalents at beginning of year	82,678			119,182			109,083
	Cash and cash equivalents at end of year	$	511,436		$	82,678		$	119,182

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended			36 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2013
	item			item
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'	'	'	'
Number of special-purpose subsidiary trusts	2	'	'	2
Number of full-service bank locations	13	'	'	13
Cash and Cash Equivalents	'	'	'	'
Maturity period of federal funds sold	'1 day	'	'	'
Goodwill	'	'	'	'
Impairment losses	$0	$0	$0	$0
Buildings and improvements | Minimum	'	'	'	'
Premises and Equipment	'	'	'	'
Estimated lives	'3 years	'	'	'
Buildings and improvements | Maximum	'	'	'	'
Premises and Equipment	'	'	'	'
Estimated lives	'40 years	'	'	'
Furniture and equipment | Minimum	'	'	'	'
Premises and Equipment	'	'	'	'
Estimated lives	'3 years	'	'	'
Furniture and equipment | Maximum	'	'	'	'
Premises and Equipment	'	'	'	'
Estimated lives	'10 years	'	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended								12 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
EARNINGS PER SHARE	'	'	'	'	'	'	'	'	'	'	'
Net income	($579,015)	$3,608,171	$3,652,174	$3,127,729	$2,672,355	$2,746,249	$1,369,007	$3,042,076	$9,809,059	$9,829,688	$8,064,777
Add (less): Benefit from repurchase of preferred stock, net	'	'	'	'	'	'	'	'	22,604	363,699	'
Add (less): Preferred dividends declared	'	'	'	'	'	'	'	'	-1,234,529	-1,626,900	-1,626,900
Add (less): Accretion of discount on preferred stock	'	'	'	'	'	'	'	'	-307,647	-420,829	-439,116
Income available to common shares	($941,895)	$3,262,705	$3,246,407	$2,722,270	$2,541,903	$2,228,000	$851,149	$2,524,606	$8,289,487	$8,145,658	$5,998,761
Weighted average common shares outstanding - basic (in shares)	10,922,253	10,914,913	10,916,522	10,815,633	10,742,660	10,709,072	10,659,123	10,605,620	10,892,136	10,679,091	10,543,316
Effect of dilutive securities:	'	'	'	'	'	'	'	'	'	'	'
Treasury stock held in equity trust - unvested shares (in shares)	'	'	'	'	'	'	'	'	192,851	271,779	301,544
Equivalent shares - employee stock options and awards (in shares)	'	'	'	'	'	'	'	'	47,954	42,992	41,259
Equivalent shares - common stock warrant (in shares)	'	'	'	'	'	'	'	'	'	'	101,486
Weighted average common shares outstanding - diluted (in shares)	11,124,759	11,147,049	11,136,801	11,066,355	11,019,007	11,121,025	11,132,612	11,004,706	11,132,941	10,993,862	10,987,605
Earnings per share:	'	'	'	'	'	'	'	'	'	'	'
Basic (in dollars per share)	($0.09)	$0.30	$0.30	$0.25	$0.24	$0.21	$0.08	$0.24	$0.76	$0.76	$0.57
Diluted (in dollars per share)	($0.08)	$0.29	$0.29	$0.25	$0.23	$0.20	$0.08	$0.23	$0.74	$0.74	$0.55
Additional disclosures	'	'	'	'	'	'	'	'	'	'	'
Anti-dilutive options to purchase common shares excluded from the computations of diluted earnings per share	'	'	'	'	'	'	'	'	450,758	579,891	666,790

DEBT_AND_MORTGAGEBACKED_SECURI2

DEBT AND MORTGAGE-BACKED SECURITIES (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Held to Maturity:	'	'
Amortized Cost	$4,294,096	$5,656,963
Fair Value	4,537,359	'
Available for Sale:	'	'
Amortized Cost	38,958,027	21,886,780
Gross Unrealized Gains	14,108	38,926
Gross Unrealized Losses	-55,302	-4,289
Fair Value	38,916,833	21,921,417
Continuous loss position for twelve months or more, available for sale securities	0	0
Other-than-temporary impairment, available for sale securities	0	0
Continuous loss position for twelve months or more, held to maturity securities	0	0
Other-than-temporary impairment, held to maturity securities	0	0
Carrying values of debt and mortgage-backed securities	42,700,000	27,300,000
Debt obligations of U.S. Treasury	'	'
Available for Sale:	'	'
Amortized Cost	9,038,947	'
Gross Unrealized Gains	3,240	'
Fair Value	9,042,187	'
Debt obligations of government-sponsored entities	'	'
Available for Sale:	'	'
Amortized Cost	29,698,954	21,594,679
Gross Unrealized Gains	5,059	4,705
Gross Unrealized Losses	-55,302	-4,289
Fair Value	29,648,711	21,595,095
Total mortgage-backed securities	'	'
Held to Maturity:	'	'
Amortized Cost	4,294,096	5,656,963
Gross Unrealized Gains	243,263	439,264
Fair Value	4,537,359	6,096,227
Weighted average yield at end of year (as a percent)	3.72%	3.76%
Available for Sale:	'	'
Weighted average yield at end of year (as a percent)	0.32%	0.46%
Mortgage-backed securities	'	'
Held to Maturity:	'	'
Amortized Cost	4,289,890	5,651,939
Gross Unrealized Gains	243,222	439,210
Fair Value	4,533,112	6,091,149
Mortgage-backed securities | Ginnie Mae	'	'
Held to Maturity:	'	'
Amortized Cost	63,961	89,752
Gross Unrealized Gains	2,250	13,085
Fair Value	66,211	102,837
Available for Sale:	'	'
Amortized Cost	220,126	292,101
Gross Unrealized Gains	5,809	34,221
Fair Value	225,935	326,322
Mortgage-backed securities | Fannie Mae	'	'
Held to Maturity:	'	'
Amortized Cost	4,225,929	5,562,187
Gross Unrealized Gains	240,972	426,125
Fair Value	4,466,901	5,988,312
Collateralized mortgage obligations | Freddie Mac	'	'
Held to Maturity:	'	'
Amortized Cost	4,206	5,024
Gross Unrealized Gains	41	54
Fair Value	$4,247	$5,078

DEBT_AND_MORTGAGEBACKED_SECURI3

DEBT AND MORTGAGE-BACKED SECURITIES (Details 2) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Term to Maturity: Amortized Cost	'	'	'
Over one through five years	$63,961	'	'
Over five through ten years	205,275	'	'
Over ten years	4,024,860	'	'
Total	4,294,096	5,656,963	'
Term to Maturity: Fair Value	'	'	'
Over one through five years	66,211	'	'
Over five through ten years	210,220	'	'
Over ten years	4,260,928	'	'
Fair Value	4,537,359	'	'
Term to Maturity: Amortized Cost	'	'	'
One year or less	25,372,454	'	'
Over one through five years	11,890,447	'	'
Over five through ten years	1,574,683	'	'
Over ten years	120,443	'	'
Total	38,958,027	21,886,780	'
Term to Maturity: Fair Value	'	'	'
One year or less	25,372,477	'	'
Over one through five years	11,873,712	'	'
Over five through ten years	1,550,201	'	'
Over ten years	120,443	'	'
Fair Value	38,916,833	21,921,417	'
Proceeds from sales of available-for-sale securities	$0	$0	$0

LOANS_RECEIVABLE_AND_ALLOWANCE2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Loans receivable	'	'	'	'
Loans receivables, gross	$1,005,042,232	$990,714,916	'	'
Add (less):	'	'	'	'
Deferred loan costs	3,188,386	3,115,384	'	'
Loans in process	-1,256,236	-986,063	'	'
Allowance for loan losses	-18,306,114	-17,116,595	-25,713,622	-26,975,717
Total	988,668,268	975,727,642	'	'
Weighted average rate at end of year (as a percent)	4.45%	4.92%	'	'
Single-family residential	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	366,471,132	397,782,562	'	'
Add (less):	'	'	'	'
Allowance for loan losses	-9,973,713	-9,348,111	-16,842,446	'
Residential first mortgage	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	212,357,311	211,759,949	'	'
Residential second mortgage	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	43,208,366	42,091,046	'	'
Home equity lines of credit	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	110,905,455	143,931,567	'	'
Commercial	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	635,809,996	590,258,429	'	'
Add (less):	'	'	'	'
Allowance for loan losses	-8,110,926	-7,633,303	-8,256,032	'
Commercial and multi-family real estate	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	348,002,617	323,333,936	'	'
Land acquisition and development	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	40,430,063	47,262,727	'	'
Real estate construction and development	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	20,548,621	21,906,992	'	'
Commercial and industrial	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	226,828,695	197,754,774	'	'
Consumer and installment	'	'	'	'
Loans receivable	'	'	'	'
Loans receivables, gross	$2,761,104	$2,673,925	'	'

LOANS_RECEIVABLE_AND_ALLOWANCE3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	3 Months Ended		12 Months Ended
	Sep. 30, 2012	Mar. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
	item
Changes in loans to senior officers and directors	'	'	'	'	'
Servicing loans for others	$10,100,000	'	$6,400,000	$10,100,000	'
Charge-offs	'	5,900,000	15,685,376	23,652,245	16,467,991
Number of consecutive payments to change status of loans from non accrual status to accrual status	6	'	'	'	'
Charge-offs of non-performing and impaired loans	697,000	'	15,700,000	23,700,000	'
Increase in non-accrual loans	'	'	'	713,000	'
Senior officers and directors	'	'	'	'	'
Changes in loans to senior officers and directors	'	'	'	'	'
Balance, at the beginning of the period	'	'	1,077,371	12,708,975	'
Additions	'	'	1,125,408	583,232	'
Repayments and reclassifications	'	'	-669,534	-12,214,836	'
Balance, at the end of the period	1,077,371	'	1,533,245	1,077,371	'
Home equity lines of credit	'	'	'	'	'
Changes in loans to senior officers and directors	'	'	'	'	'
Charge-offs	'	'	2,401,726	6,028,622	3,002,230
Home equity lines of credit | Senior officers and directors	'	'	'	'	'
Changes in loans to senior officers and directors	'	'	'	'	'
Loans, including undisbursed portion	'	'	566,000	'	'
Loans, disbursed portion	'	'	162,000	'	'
Single-family residential	'	'	'	'	'
Changes in loans to senior officers and directors	'	'	'	'	'
Charge-offs recognition period	'	'	'180 days	'	'
Charge-offs	'	'	7,398,939	16,759,274	9,615,863
Consumer loans	'	'	'	'	'
Changes in loans to senior officers and directors	'	'	'	'	'
Charge-offs recognition period	'	'	'120 days	'	'
Charge-offs	'	'	$107,094	$215,456	'

LOANS_RECEIVABLE_AND_ALLOWANCE4

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

Mar. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Dec. 31, 2007

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Residential real estate

Residential real estate

Residential real estate

Residential real estate

Residential real estate

Residential real estate first mortgage

Residential real estate first mortgage

Residential real estate first mortgage

Residential real estate second mortgage

Residential real estate second mortgage

Residential real estate second mortgage

Residential real estate second mortgage

Residential real estate second mortgage

Home equity lines of credit

Home equity lines of credit

Home equity lines of credit

Commercial loans

Commercial loans

Commercial loans

Commercial and multi-family real estate

Commercial and multi-family real estate

Commercial and multi-family real estate

Commercial and multi-family real estate

Land acquisition and development

Land acquisition and development

Land acquisition and development

Land acquisition and development

Real estate construction and development

Real estate construction and development

Real estate construction and development

Commercial & industrial

Commercial & industrial

Commercial & industrial

Consumer and other

Consumer and other

Consumer and other

class

Minimum

Maximum

Minimum

Maximum

class

Minimum

Maximum

family

family

tenant

family

Allowance for loan losses

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of classes in loans receivable

'

'

'

'

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of families per real estate property securing loans receivable

'

'

'

'

'

'

'

1

4

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4

'

'

'

'

'

'

'

'

'

'

'

'

'

Loan-to-value ratio at the time of origination (as a percent)

'

'

'

'

'

'

'

'

80.00%

'

'

'

'

'

'

'

80.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loan-to-value ratio required at the time of origination for private mortgage insurance (as a percent)

'

'

'

'

'

'

'

80.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Combined loan to value ratio (as a percent)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

80.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Initial maturity period

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Initial period for payment of interest

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Monthly principal payments due prior to maturity

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Maturity period

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'15 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Initial draw period requiring interest-only payments

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'5 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Draw period requiring payment of principal and interest on a fully-amortizing basis

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Principal Balance

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2014

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

17,816,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2015

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

13,123,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2016

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

20,232,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2017

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

24,664,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2018

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

32,267,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Thereafter

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2,803,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total

'

1,005,042,232

990,714,916

'

366,471,132

397,782,562

'

'

'

212,357,311

211,759,949

'

43,208,366

42,091,046

'

'

'

110,905,455

143,931,567

'

635,809,996

590,258,429

'

348,002,617

323,333,936

'

'

40,430,063

47,262,727

'

'

20,548,621

21,906,992

'

226,828,695

197,754,774

'

'

'

'

Number of tenants per real estate property securing loans receivable

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1

'

'

'

'

'

'

'

'

'

'

'

'

'

Period from development completion date to sale

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'12 months

'

'

'

'

'

'

'

'

'

Activity in the allowance for loan losses

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Balance, beginning of year

'

17,116,595

25,713,622

26,975,717

9,348,111

16,842,446

'

'

'

'

'

'

'

'

'

'

'

'

'

'

7,633,303

8,256,032

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Provision charged to expense

'

12,090,000

14,450,000

14,800,000

7,168,043

8,930,212

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4,773,790

5,805,628

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Charge-offs

5,900,000

15,685,376

23,652,245

16,467,991

7,398,939

16,759,274

9,615,863

'

'

3,364,443

8,034,624

4,519,629

1,632,770

2,696,028

2,094,004

'

'

2,401,726

6,028,622

3,002,230

8,179,343

6,677,515

6,751,577

1,012,650

4,050,492

1,545,367

'

73,094

261,725

4,382,462

'

259,743

298,045

49,900

6,833,856

2,067,253

773,848

107,094

215,456

100,551

Recoveries

'

4,784,895

605,218

405,896

856,498

334,727

337,742

'

'

79,968

81,260

66,500

232,353

103,321

117,374

'

'

544,177

150,146

153,868

3,883,176

249,158

59,541

1,638,249

113,837

10,950

'

23,160

7,716

2,415

'

1,800,303

10,200

1,293

421,464

117,405

44,883

45,221

21,333

8,613

Net charge-offs

'

10,900,481

23,047,027

16,062,095

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Balance, end of year

'

$18,306,114

$17,116,595

$25,713,622

$9,973,713

$9,348,111

$16,842,446

'

'

'

'

'

'

'

'

'

'

'

'

'

$8,110,926

$7,633,303

$8,256,032

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

LOANS_RECEIVABLE_AND_ALLOWANCE5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'
Balance, beginning of year	'	$17,116,595	$25,713,622	$26,975,717
Provision charged to expense	'	12,090,000	14,450,000	14,800,000
Charge-offs	-5,900,000	-15,685,376	-23,652,245	-16,467,991
Recoveries	'	4,784,895	605,218	405,896
Balance, end of year	'	18,306,114	17,116,595	25,713,622
Allowance balance at end of year based on:	'	'	'	'
Loans individually evaluated for impairment	'	2,405,717	624,825	'
Loans collectively evaluated for impairment	'	15,900,397	16,491,770	'
Total balance, end of year	'	18,306,114	17,116,595	25,713,622
Recorded investment in loans receivable at end of year:	'	'	'	'
Total Loans Receivable	'	1,006,974,382	992,844,236	'
Loans receivable individually evaluated for impairment	'	27,768,149	65,122,367	'
Loans receivable collectively evaluated for impairment	'	979,206,233	927,721,869	'
Residential Real Estate	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'
Balance, beginning of year	'	9,348,111	16,842,446	'
Provision charged to expense	'	7,168,043	8,930,212	'
Charge-offs	'	-7,398,939	-16,759,274	-9,615,863
Recoveries	'	856,498	334,727	337,742
Balance, end of year	'	9,973,713	9,348,111	16,842,446
Allowance balance at end of year based on:	'	'	'	'
Loans individually evaluated for impairment	'	1,852,701	624,825	'
Loans collectively evaluated for impairment	'	8,121,012	8,723,286	'
Total balance, end of year	'	9,973,713	9,348,111	16,842,446
Recorded investment in loans receivable at end of year:	'	'	'	'
Total Loans Receivable	'	368,073,208	398,732,907	'
Loans receivable individually evaluated for impairment	'	18,902,744	42,642,539	'
Loans receivable collectively evaluated for impairment	'	349,170,464	356,090,368	'
Commercial	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'
Balance, beginning of year	'	7,633,303	8,256,032	'
Provision charged to expense	'	4,773,790	5,805,628	'
Charge-offs	'	-8,179,343	-6,677,515	-6,751,577
Recoveries	'	3,883,176	249,158	59,541
Balance, end of year	'	8,110,926	7,633,303	8,256,032
Allowance balance at end of year based on:	'	'	'	'
Loans individually evaluated for impairment	'	536,529	'	'
Loans collectively evaluated for impairment	'	7,574,397	7,633,303	'
Total balance, end of year	'	8,110,926	7,633,303	8,256,032
Recorded investment in loans receivable at end of year:	'	'	'	'
Total Loans Receivable	'	636,138,165	591,431,264	'
Loans receivable individually evaluated for impairment	'	8,758,681	22,271,208	'
Loans receivable collectively evaluated for impairment	'	627,379,484	569,160,056	'
Consumer	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'
Balance, beginning of year	'	28,272	444,281	'
Provision charged to expense	'	58,548	-221,886	'
Charge-offs	'	-107,094	-215,456	'
Recoveries	'	45,221	21,333	'
Balance, end of year	'	24,947	28,272	'
Allowance balance at end of year based on:	'	'	'	'
Loans individually evaluated for impairment	'	16,487	'	'
Loans collectively evaluated for impairment	'	8,460	28,272	'
Total balance, end of year	'	24,947	28,272	'
Recorded investment in loans receivable at end of year:	'	'	'	'
Total Loans Receivable	'	2,763,009	2,680,065	'
Loans receivable individually evaluated for impairment	'	106,724	208,620	'
Loans receivable collectively evaluated for impairment	'	2,656,285	2,471,445	'
Unallocated	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'
Balance, beginning of year	'	106,909	170,863	'
Provision charged to expense	'	89,619	-63,954	'
Balance, end of year	'	196,528	106,909	'
Allowance balance at end of year based on:	'	'	'	'
Loans collectively evaluated for impairment	'	196,528	106,909	'
Total balance, end of year	'	$196,528	$106,909	'

LOANS_RECEIVABLE_AND_ALLOWANCE6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Impaired Loans	'	'
Total impaired loans	$51,025,816	$64,879,818
Recorded Investment	51,296,677	65,122,367
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3	'	'
Impaired Loans	'	'
Total impaired loans	51,026,000	64,880,000
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3 | Fair value of collateral method	'	'
Impaired Loans	'	'
Total impaired loans	39,691,000	42,405,000
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3 | Present value of cash flows method	'	'
Impaired Loans	'	'
Total impaired loans	11,335,000	22,475,000
Non-performing loans	'	'
Impaired Loans	'	'
Total impaired loans	27,607,800	47,477,363
Recorded Investment	27,768,149	47,643,101
Non-accrual loans	'	'
Impaired Loans	'	'
Total impaired loans	9,752,803	17,462,262
Recorded Investment	9,812,044	17,503,014
Troubled debt restructurings current under restructured terms	'	'
Impaired Loans	'	'
Total impaired loans	11,305,093	22,198,364
Recorded Investment	11,371,198	22,284,401
Troubled debt restructurings past due under restructured terms	'	'
Impaired Loans	'	'
Total impaired loans	6,549,904	7,816,737
Recorded Investment	6,584,907	7,855,686
Troubled debt restructurings returned to accrual status	'	'
Impaired Loans	'	'
Total impaired loans	23,418,016	17,402,455
Recorded Investment	$23,528,528	$17,479,266

LOANS_RECEIVABLE_AND_ALLOWANCE7

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	3 Months Ended	12 Months Ended
	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	$23,126,653	$13,036,978	$23,126,653
WITH AN ALLOWANCE RECORDED	748,388	1,816,347	748,388
TOTAL	23,875,041	14,853,325	23,875,041
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	7,451,603	5,617,484	7,451,603
WITH AN ALLOWANCE RECORDED	226,226	245,271	226,226
TOTAL	7,677,829	5,862,755	7,677,829
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	15,675,050	7,419,494	15,675,050
WITH AN ALLOWANCE RECORDED	522,162	1,571,076	522,162
TOTAL	16,197,212	8,990,570	16,197,212
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	44,571,502	37,186,916	44,571,502
WITH AN ALLOWANCE RECORDED	4,111,104	4,848,330	4,111,104
TOTAL	48,682,606	42,035,246	48,682,606
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	60,246,552	44,606,410	60,246,552
WITH AN ALLOWANCE RECORDED	4,633,266	6,419,406	4,633,266
TOTAL	64,879,818	51,025,816	64,879,818
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	60,463,074	44,843,992	60,463,074
WITH AN ALLOWANCE RECORDED	4,659,293	6,452,685	4,659,293
TOTAL	65,122,367	51,296,677	65,122,367
Related Allowance For Loan Losses	624,825	2,405,717	624,825
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	1,399,494	2,399,542
With an allowance recorded	'	'	95,672
Total	'	1,399,494	2,495,214
Charge-offs of non-performing and impaired loans	697,000	15,700,000	23,700,000
Partial charge-offs of non-performing and impaired loans	'	3,700,000	10,700,000
Remaining principal balance of non-performing and impaired loans for which partial charge-offs were recorded previously	16,200,000	9,000,000	16,200,000
Residential real estate	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	8,259,016	6,489,052	8,259,016
WITH AN ALLOWANCE RECORDED	748,388	564,889	748,388
TOTAL	9,007,404	7,053,941	9,007,404
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,359,146	2,655,458	3,359,146
WITH AN ALLOWANCE RECORDED	226,226	103,611	226,226
TOTAL	3,585,372	2,759,069	3,585,372
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	4,899,870	3,833,594	4,899,870
WITH AN ALLOWANCE RECORDED	522,162	461,278	522,162
TOTAL	5,422,032	4,294,872	5,422,032
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	32,912,481	27,986,846	32,912,481
WITH AN ALLOWANCE RECORDED	4,111,104	4,427,072	4,111,104
TOTAL	37,023,585	32,413,918	37,023,585
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	37,812,351	31,820,440	37,812,351
WITH AN ALLOWANCE RECORDED	4,633,266	4,888,350	4,633,266
TOTAL	42,445,617	36,708,790	42,445,617
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	37,983,246	32,002,295	37,983,246
WITH AN ALLOWANCE RECORDED	4,659,293	4,921,606	4,659,293
TOTAL	42,642,539	36,923,901	42,642,539
Related Allowance For Loan Losses	624,825	1,852,701	624,825
Residential real estate first mortgage	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	6,500,049	4,817,704	6,500,049
WITH AN ALLOWANCE RECORDED	748,388	286,226	748,388
TOTAL	7,248,437	5,103,930	7,248,437
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	2,503,149	1,892,403	2,503,149
WITH AN ALLOWANCE RECORDED	226,226	68,947	226,226
TOTAL	2,729,375	1,961,350	2,729,375
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,996,900	2,925,301	3,996,900
WITH AN ALLOWANCE RECORDED	522,162	217,279	522,162
TOTAL	4,519,062	3,142,580	4,519,062
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	26,552,991	22,621,982	26,552,991
WITH AN ALLOWANCE RECORDED	3,385,622	3,574,340	3,385,622
TOTAL	29,938,613	26,196,322	29,938,613
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	30,549,891	25,547,283	30,549,891
WITH AN ALLOWANCE RECORDED	3,907,784	3,791,619	3,907,784
TOTAL	34,457,675	29,338,902	34,457,675
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	30,706,940	25,712,587	30,706,940
WITH AN ALLOWANCE RECORDED	3,932,673	3,823,190	3,932,673
TOTAL	34,639,613	29,535,777	34,639,613
Related Allowance For Loan Losses	346,365	1,068,205	346,365
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	28,661,473	29,553,434
With an allowance recorded	'	3,386,052	8,404,107
Total	'	32,047,525	37,957,541
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	1,005,357	1,026,328
With an allowance recorded	'	'	78,724
Total	'	1,005,357	1,105,052
Residential real estate second mortgage	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	631,528	961,909	631,528
TOTAL	631,528	961,909	631,528
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	343,820	473,023	343,820
TOTAL	343,820	473,023	343,820
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	287,708	488,886	287,708
TOTAL	287,708	488,886	287,708
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,538,534	2,648,996	3,538,534
WITH AN ALLOWANCE RECORDED	392,846	386,847	392,846
TOTAL	3,931,380	3,035,843	3,931,380
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,826,242	3,137,882	3,826,242
WITH AN ALLOWANCE RECORDED	392,846	386,847	392,846
TOTAL	4,219,088	3,524,729	4,219,088
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,840,089	3,154,434	3,840,089
WITH AN ALLOWANCE RECORDED	393,983	388,532	393,983
TOTAL	4,234,072	3,542,966	4,234,072
Related Allowance For Loan Losses	191,612	255,196	191,612
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	3,373,188	3,426,107
With an allowance recorded	'	402,864	827,732
Total	'	3,776,052	4,253,839
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	131,655	148,162
With an allowance recorded	'	'	5,334
Total	'	131,655	153,496
Home equity lines of credit	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	1,127,439	709,439	1,127,439
WITH AN ALLOWANCE RECORDED	'	278,663	'
TOTAL	1,127,439	988,102	1,127,439
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	512,177	290,032	512,177
WITH AN ALLOWANCE RECORDED	'	34,664	'
TOTAL	512,177	324,696	512,177
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	615,262	419,407	615,262
WITH AN ALLOWANCE RECORDED	'	243,999	'
TOTAL	615,262	663,406	615,262
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	2,820,956	2,715,868	2,820,956
WITH AN ALLOWANCE RECORDED	332,636	465,885	332,636
TOTAL	3,153,592	3,181,753	3,153,592
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,436,218	3,135,275	3,436,218
WITH AN ALLOWANCE RECORDED	332,636	709,884	332,636
TOTAL	3,768,854	3,845,159	3,768,854
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,436,217	3,135,274	3,436,217
WITH AN ALLOWANCE RECORDED	332,637	709,884	332,637
TOTAL	3,768,854	3,845,158	3,768,854
Related Allowance For Loan Losses	86,848	529,300	86,848
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	3,697,746	3,492,655
With an allowance recorded	'	439,541	887,651
Total	'	4,137,287	4,380,306
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	38,282	71,781
With an allowance recorded	'	'	11,614
Total	'	38,282	83,395
Commercial real estate	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	14,706,787	6,426,096	14,706,787
WITH AN ALLOWANCE RECORDED	'	1,251,458	'
TOTAL	14,706,787	7,677,554	14,706,787
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,978,561	2,868,184	3,978,561
WITH AN ALLOWANCE RECORDED	'	141,660	'
TOTAL	3,978,561	3,009,844	3,978,561
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	10,728,226	3,557,912	10,728,226
WITH AN ALLOWANCE RECORDED	'	1,109,798	'
TOTAL	10,728,226	4,667,710	10,728,226
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	11,500,519	9,088,158	11,500,519
WITH AN ALLOWANCE RECORDED	'	404,771	'
TOTAL	11,500,519	9,492,929	11,500,519
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	22,228,745	12,646,070	22,228,745
WITH AN ALLOWANCE RECORDED	'	1,514,569	'
TOTAL	22,228,745	14,160,639	22,228,745
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	22,271,208	12,701,217	22,271,208
WITH AN ALLOWANCE RECORDED	'	1,514,593	'
TOTAL	22,271,208	14,215,810	22,271,208
Related Allowance For Loan Losses	'	536,529	'
Land acquisition and development	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	53,858	57,523	53,858
TOTAL	53,858	57,523	53,858
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	14,849	14,879	14,849
TOTAL	14,849	14,879	14,849
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	39,009	42,644	39,009
TOTAL	39,009	42,644	39,009
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	39,009	42,644	39,009
TOTAL	39,009	42,644	39,009
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	39,009	43,706	39,009
TOTAL	39,009	43,706	39,009
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	55,181	29,816
With an allowance recorded	'	'	222,104
Total	'	55,181	251,920
Real estate construction and development	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	114,445	301,834	114,445
TOTAL	114,445	301,834	114,445
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	49,645	259,743	49,645
TOTAL	49,645	259,743	49,645
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	64,800	42,091	64,800
TOTAL	64,800	42,091	64,800
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	327,016	'	327,016
TOTAL	327,016	'	327,016
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	391,816	42,091	391,816
TOTAL	391,816	42,091	391,816
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	388,767	38,439	388,767
TOTAL	388,767	38,439	388,767
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	118,666	936,763
With an allowance recorded	'	'	107,306
Total	'	118,666	1,044,069
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	'	4,986
Total	'	'	4,986
Commercial & multi-family real estate	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	9,361,052	3,827,364	9,361,052
WITH AN ALLOWANCE RECORDED	'	1,251,458	'
TOTAL	9,361,052	5,078,822	9,361,052
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	3,005,180	1,159,528	3,005,180
WITH AN ALLOWANCE RECORDED	'	141,660	'
TOTAL	3,005,180	1,301,188	3,005,180
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	6,355,872	2,667,836	6,355,872
WITH AN ALLOWANCE RECORDED	'	1,109,798	'
TOTAL	6,355,872	3,777,634	6,355,872
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	9,735,952	7,628,698	9,735,952
WITH AN ALLOWANCE RECORDED	'	36,915	'
TOTAL	9,735,952	7,665,613	9,735,952
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	16,091,824	10,296,534	16,091,824
WITH AN ALLOWANCE RECORDED	'	1,146,713	'
TOTAL	16,091,824	11,443,247	16,091,824
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	16,133,126	10,343,639	16,133,126
WITH AN ALLOWANCE RECORDED	'	1,146,988	'
TOTAL	16,133,126	11,490,627	16,133,126
Related Allowance For Loan Losses	'	351,047	'
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	12,768,153	12,599,341
With an allowance recorded	'	745,145	1,054,726
Total	'	13,513,298	13,654,067
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	179,395	883,784
Total	'	179,395	883,784
Commercial & industrial	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	5,177,432	2,239,375	5,177,432
TOTAL	5,177,432	2,239,375	5,177,432
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	908,887	1,434,034	908,887
TOTAL	908,887	1,434,034	908,887
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	4,268,545	805,341	4,268,545
TOTAL	4,268,545	805,341	4,268,545
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	1,437,551	1,459,460	1,437,551
WITH AN ALLOWANCE RECORDED	'	367,856	'
TOTAL	1,437,551	1,827,316	1,437,551
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	5,706,096	2,264,801	5,706,096
WITH AN ALLOWANCE RECORDED	'	367,856	'
TOTAL	5,706,096	2,632,657	5,706,096
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	5,710,306	2,275,433	5,710,306
WITH AN ALLOWANCE RECORDED	'	367,605	'
TOTAL	5,710,306	2,643,038	5,710,306
Related Allowance For Loan Losses	'	185,482	'
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	4,606,779	4,242,100
With an allowance recorded	'	227,982	286,417
Total	'	4,834,761	4,528,517
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	44,508	261,714
Total	'	44,508	261,714
Consumer and other	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	160,850	121,830	160,850
TOTAL	160,850	121,830	160,850
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	113,896	93,842	113,896
TOTAL	113,896	93,842	113,896
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	46,954	27,988	46,954
TOTAL	46,954	27,988	46,954
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	158,502	111,912	158,502
WITH AN ALLOWANCE RECORDED	'	16,487	'
TOTAL	158,502	128,399	158,502
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	205,456	139,900	205,456
WITH AN ALLOWANCE RECORDED	'	16,487	'
TOTAL	205,456	156,387	205,456
Total Recorded Investment Net of Partial Charge-offs	'	'	'
WITH NO RELATED ALLOWANCE RECORDED	208,620	140,480	208,620
WITH AN ALLOWANCE RECORDED	'	16,486	'
TOTAL	208,620	156,966	208,620
Related Allowance For Loan Losses	'	16,487	'
Average Recorded Investment During Period	'	'	'
With no related allowance recorded	'	149,888	196,759
With an allowance recorded	'	4,042	87,439
Total	'	153,930	284,198
Interest Income Recognized During Period	'	'	'
With no related allowance recorded	'	297	2,787
Total	'	$297	$2,787

LOANS_RECEIVABLE_AND_ALLOWANCE8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Delinquent and Non-Accrual Loans	'	'
Delinquent borrowers' classification, period past due	'30 days	'
Threshold for loans placed on non-accrual of interest income	'90 days	'
Period of repayment performance for non-accrual loans to return to an accrual status	'6 months	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	$4,179,503	$5,202,946
60 to 89 Days Due	2,068,863	4,479,828
90 Days or More Past Due	14,050,159	16,450,827
Total Past Due	20,298,525	26,133,601
Current	986,675,857	966,710,635
Total Loans Receivable	1,006,974,382	992,844,236
90 Days or More And Still Accruing	4,278,495	'
Nonaccrual	27,768,149	47,643,101
Residential real estate	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	4,135,816	4,772,974
60 to 89 Days Due	1,784,028	4,405,920
90 Days or More Past Due	6,195,299	7,408,077
Total Past Due	12,115,143	16,586,971
Current	355,958,065	382,145,936
Total Loans Receivable	368,073,208	398,732,907
Nonaccrual	18,902,743	27,313,139
Residential real estate first mortgage	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	2,661,510	2,567,694
60 to 89 Days Due	1,033,315	3,229,337
90 Days or More Past Due	4,618,113	5,792,387
Total Past Due	8,312,938	11,589,418
Current	204,993,105	200,183,277
Total Loans Receivable	213,306,043	211,772,695
Nonaccrual	14,593,039	21,635,255
Residential real estate second mortgage	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	172,686	264,540
60 to 89 Days Due	44,601	273,642
90 Days or More Past Due	366,645	433,195
Total Past Due	583,932	971,377
Current	42,743,577	41,277,730
Total Loans Receivable	43,327,509	42,249,107
Nonaccrual	1,510,637	2,257,475
Home equity lines of credit	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	1,301,620	1,940,740
60 to 89 Days Due	706,112	902,941
90 Days or More Past Due	1,210,541	1,182,495
Total Past Due	3,218,273	4,026,176
Current	108,221,383	140,684,929
Total Loans Receivable	111,439,656	144,711,105
Nonaccrual	2,799,067	3,420,409
Commercial real estate	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	43,132	424,505
60 to 89 Days Due	281,672	69,756
90 Days or More Past Due	7,837,873	8,892,889
Total Past Due	8,162,677	9,387,150
Current	627,975,488	582,044,114
Total Loans Receivable	636,138,165	591,431,264
90 Days or More And Still Accruing	4,278,495	'
Nonaccrual	8,758,681	20,185,027
Land acquisition and development	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	'	110,308
90 Days or More Past Due	4,278,495	39,009
Total Past Due	4,278,495	149,317
Current	36,234,753	47,186,229
Total Loans Receivable	40,513,248	47,335,546
90 Days or More And Still Accruing	4,278,495	'
Nonaccrual	43,706	39,009
Real estate construction and development	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	18,957	'
90 Days or More Past Due	'	357,643
Total Past Due	18,957	357,643
Current	20,506,816	21,535,974
Total Loans Receivable	20,525,773	21,893,617
Nonaccrual	38,439	388,767
Commercial & multi-family real estate	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	'	290,776
60 to 89 Days Due	278,163	69,756
90 Days or More Past Due	3,108,453	8,230,195
Total Past Due	3,386,616	8,590,727
Current	344,732,193	315,502,338
Total Loans Receivable	348,118,809	324,093,065
Nonaccrual	6,039,604	14,155,739
Commercial & industrial	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	24,175	23,421
60 to 89 Days Due	3,509	'
90 Days or More Past Due	450,925	266,042
Total Past Due	478,609	289,463
Current	226,501,726	197,819,573
Total Loans Receivable	226,980,335	198,109,036
Nonaccrual	2,636,932	5,601,512
Consumer and other	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	555	5,467
60 to 89 Days Due	3,163	4,152
90 Days or More Past Due	16,987	149,861
Total Past Due	20,705	159,480
Current	2,742,304	2,520,585
Total Loans Receivable	2,763,009	2,680,065
Nonaccrual	$106,725	$144,935

LOANS_RECEIVABLE_AND_ALLOWANCE9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 8) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
	grading
Recorded investment of loan risk ratings by class	'	'
Number of risk gradings internal rating system	5	'
Number of risk gradings in internal rating system of financing receivables assigned to a loan	1	'
Total loans receivables	$1,006,974,382	$992,844,236
Less related specific allowance	-2,405,717	-624,825
Total	988,668,268	975,727,642
Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	941,878,609	905,280,568
Total	941,878,609	905,280,568
Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	19,149,830	7,105,834
Total	19,149,830	7,105,834
Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	38,654,406	72,209,164
Less related specific allowance	-1,058,007	-624,825
Total	37,596,399	71,584,339
Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	7,291,537	8,248,670
Less related specific allowance	-1,347,710	'
Total	5,943,827	8,248,670
Residential real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	368,073,208	398,732,907
Less related specific allowance	-1,852,701	-624,825
Residential real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	347,322,986	364,670,676
Residential real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	319,722	790,877
Residential real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	13,305,988	28,329,686
Residential real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	7,124,512	4,941,668
First mortgage	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	213,306,043	211,772,695
Less related specific allowance	-1,068,205	-346,365
First mortgage | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	197,061,832	185,061,008
First mortgage | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	269,891	462,421
First mortgage | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	10,833,561	23,039,578
First mortgage | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	5,140,759	3,209,688
Second mortgage	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	43,327,509	42,249,107
Less related specific allowance	-255,196	-191,612
Second mortgage | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	41,767,041	39,698,676
Second mortgage | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	49,831	181,825
Second mortgage | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,101,032	1,779,092
Second mortgage | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	409,605	589,514
Home equity lines of credit	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	111,439,656	144,711,105
Less related specific allowance	-529,300	-86,848
Home equity lines of credit | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	108,494,113	139,910,992
Home equity lines of credit | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	'	146,631
Home equity lines of credit | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,371,395	3,511,016
Home equity lines of credit | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,574,148	1,142,466
Commercial real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	636,138,165	591,431,264
Less related specific allowance	-536,529	'
Commercial real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	591,899,339	538,074,762
Commercial real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	18,830,108	6,314,957
Commercial real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	25,348,418	43,879,478
Commercial real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	60,300	3,162,067
Land acquisition and development	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	40,513,248	47,335,546
Land acquisition and development | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	27,675,231	34,632,857
Land acquisition and development | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	6,954,392	4,549,053
Land acquisition and development | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	5,883,625	8,153,636
Real estate construction and development	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	20,525,773	21,893,617
Real estate construction and development | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	20,487,334	21,504,850
Real estate construction and development | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	38,439	34,173
Real estate construction and development | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	'	354,594
Commercial and multi-family real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	348,118,809	324,093,065
Less related specific allowance	-351,047	'
Commercial and multi-family real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	324,959,886	297,366,661
Commercial and multi-family real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	6,939,560	1,189,914
Commercial and multi-family real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	16,159,063	22,729,017
Commercial and multi-family real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	60,300	2,807,473
Commercial and industrial	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	226,980,335	198,109,036
Less related specific allowance	-185,482	'
Commercial and industrial | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	218,776,888	184,570,394
Commercial and industrial | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	4,936,156	575,990
Commercial and industrial | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	3,267,291	12,962,652
Consumer and other	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,763,009	2,680,065
Less related specific allowance	-16,487	'
Consumer and other | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,656,284	2,535,130
Consumer and other | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	$106,725	$144,935

Recovered_Sheet1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 9) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'	'	'
Period of repayment performance for restructured loan to be removed from the troubled debt restructuring classification	'1 year	'	'
Period of repayment performance for restructured loan to return to performing status	'6 months	'	'
Delinquent period for classification to defaulted loans	'90 days	'	'
Troubled Debt Restructurings	'	'	'
Unpaid Principal Balance Net of Charge-offs	$41,273,013	$47,417,556	'
Recorded Investment	41,484,633	47,619,353	'
Total Restructured During The Period	9,038,601	15,399,298	19,722,370
Restructured During Preceding Twelve Months and Defaulted During The Period	3,700,857	19,746,031	13,582,172
Amount of additional funds (undisbursed) committed to borrowers who were included in troubled debt restructured status	175,000	5,000	'
Gross amount of interest that would have been recognized under the original terms of renegotiated loans	3,000,000	3,400,000	'
Actual amount of interest income recognized under the restructured terms	1,100,000	2,100,000	'
Provisions for losses related to restructured loans	2,500,000	3,600,000	'
Specific reserves related to troubled debt restructurings	1,300,000	625,000	'
Residential mortgage loans	'	'	'
Troubled Debt Restructurings	'	'	'
Total Restructured During The Period	3,950,779	7,667,713	11,916,113
Restructured During Preceding Twelve Months and Defaulted During The Period	3,611,561	17,826,288	12,931,213
Commercial loans	'	'	'
Troubled Debt Restructurings	'	'	'
Total Restructured During The Period	5,086,481	7,689,631	7,806,257
Restructured During Preceding Twelve Months and Defaulted During The Period	89,296	1,607,578	650,959
Consumer loans	'	'	'
Troubled Debt Restructurings	'	'	'
Total Restructured During The Period	1,341	41,954	'
Restructured During Preceding Twelve Months and Defaulted During The Period	'	312,165	'
Non-performing loans	'	'	'
Troubled Debt Restructurings	'	'	'
Unpaid Principal Balance Net of Charge-offs	17,854,997	30,015,101	'
Recorded Investment	17,956,105	30,140,087	'
Troubled debt restructurings current under restructured terms	'	'	'
Troubled Debt Restructurings	'	'	'
Unpaid Principal Balance Net of Charge-offs	11,305,093	22,198,364	'
Recorded Investment	11,371,198	22,284,401	'
Troubled debt restructurings past due under restructured terms	'	'	'
Troubled Debt Restructurings	'	'	'
Unpaid Principal Balance Net of Charge-offs	6,549,904	7,816,737	'
Recorded Investment	6,584,907	7,855,686	'
Troubled debt restructurings returned to accrual status	'	'	'
Troubled Debt Restructurings	'	'	'
Unpaid Principal Balance Net of Charge-offs	23,418,016	17,402,455	'
Recorded Investment	$23,528,528	$17,479,266	'

REAL_ESTATE_ACQUIRED_IN_SETTLE2

REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'	'	'
Real estate acquired in settlement of loans, gross	$8,232,512	$18,658,943	'
Less allowance for losses	-1,837,800	-4,706,775	'
Total	6,394,712	13,952,168	'
Activity in the allowance for losses on real estate acquired in settlement of loans	'	'	'
Balance, beginning of year	4,706,775	2,515,800	1,651,100
Provision charged to non-interest expense	1,770,126	3,175,919	2,118,500
Charge-offs	-4,639,101	-984,944	-1,253,800
Balance, end of year	1,837,800	4,706,775	2,515,800
Residential real estate	'	'	'
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'	'	'
Real estate acquired in settlement of loans, gross	5,162,875	2,798,934	'
Commercial real estate	'	'	'
REAL ESTATE ACQUIRED IN SETTLEMENT OF LOANS	'	'	'
Real estate acquired in settlement of loans, gross	$3,069,637	$15,860,009	'

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
PREMISES AND EQUIPMENT	'	'	'
Premises and equipment, gross	$34,951,043	$34,442,475	'
Less accumulated depreciation	-17,091,930	-16,026,498	'
Total	17,859,113	18,415,977	'
Depreciation expense on premises and equipment	1,975,944	1,988,670	2,009,616
Rent expense under operating leases	'	'	'
Rent expense paid	1,400,000	1,000,000	849,000
Future minimum rental commitments under non-cancelable leases	'	'	'
Due in year ending September 30, 2014	1,342,719	'	'
Due in year ending September 30, 2015	1,390,844	'	'
Due in year ending September 30, 2016	1,099,365	'	'
Due in year ending September 30, 2017	963,265	'	'
Due in year ending September 30, 2018	625,569	'	'
Thereafter	1,049,717	'	'
Total	6,471,479	'	'
Land	'	'	'
PREMISES AND EQUIPMENT	'	'	'
Premises and equipment, gross	5,578,914	5,578,914	'
Office buildings and improvements	'	'	'
PREMISES AND EQUIPMENT	'	'	'
Premises and equipment, gross	16,194,896	16,120,660	'
Furniture and equipment	'	'	'
PREMISES AND EQUIPMENT	'	'	'
Premises and equipment, gross	$13,177,233	$12,742,901	'

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Amount, Demand deposits:	'	'
Non-interest-bearing checking	$168,031,839	$173,374,357
Interest-bearing checking	237,362,430	276,541,695
Savings accounts	39,845,424	37,257,869
Money market	206,926,830	149,193,821
Total demand deposits	652,166,523	636,367,742
Amount, certificates of deposit:	'	'
Traditional	313,216,661	365,847,877
CDARS	45,428,415	79,482,699
Total certificates of deposit	358,645,076	445,330,576
Total deposits	1,010,811,599	1,081,698,318
Weighted Average Interest Rate, Demand deposits:	'	'
Interest-bearing checking (as a percent)	0.10%	0.14%
Savings accounts (as a percent)	0.13%	0.14%
Money market (as a percent)	0.26%	0.26%
Total demand deposits (as a percent)	0.13%	0.13%
Weighted Average Interest Rate, certificates of deposit:	'	'
Traditional (as a percent)	0.84%	1.17%
CDARS (as a percent)	0.28%	0.34%
Certificates of deposit (as a percent)	0.77%	1.02%
Total deposits (as a percent)	0.35%	0.50%
Certificates of deposit, additional disclosure	'	'
Certificates of deposit with a minimum principal amount of $100,000	184,700,000	246,500,000
Certificates of deposit, obtained from national brokers	0	0
Maximum	'	'
Certificates of deposit, additional disclosure	'	'
FDIC insurance	$50,000,000	'

DEPOSITS_Details_2

DEPOSITS (Details 2) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Maturing within: three months ending	'	'	'
31-Dec-13	$78,663,900	'	'
31-Mar-14	74,277,255	'	'
30-Jun-14	59,659,114	'	'
30-Sep-14	40,360,758	'	'
Maturing within: year ending September 30:	'	'	'
2015	84,319,971	'	'
2016	16,327,061	'	'
2017	2,805,819	'	'
2018	2,231,198	'	'
Total certificates of deposit	358,645,076	445,330,576	'
Interest expense on deposits	'	'	'
Interest-bearing checking	476,217	1,179,971	2,563,968
Savings	69,725	81,415	58,269
Money market	516,768	821,901	1,295,459
Certificates of deposit	3,902,473	5,109,586	7,409,683
Total	$4,965,183	$7,192,873	$11,327,379

BORROWED_MONEY_Details

BORROWED MONEY (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
BORROWED MONEY	'	'
Retail repurchase agreements (in dollars)	$35,482,909	$20,981,455
Retail repurchase agreements (as a percent)	0.10%	0.10%
Maturing within the year ending September 30, Amount	'	'
2013/2012	49,000,000	60,000,000
2015	25,000,000	'
2015	'	25,000,000
Thereafter	4,000,000	'
Thereafter	'	4,000,000
Total FHLB advances	78,000,000	89,000,000
Total borrowed money	113,482,909	109,981,455
Maturing within the year ending September 30, Weighted Average Interest Rate	'	'
2013/2012 (as a percent)	0.24%	0.25%
2015 (as a percent)	2.70%	'
2015 (as a percent)	'	2.70%
Thereafter (as a percent)	5.48%	'
Thereafter (as a percent)	'	5.48%
Total FHLB advances (as a percent)	1.30%	1.18%
Total amount borrowed (as a percent)	0.93%	0.97%
Additional disclosure of advances from the Federal Home Loan Bank	'	'
Debt and mortgage-backed securities in U.S. Treasury, pledged to secure retail repurchase agreements	40,200,000	25,300,000
Average balances of amount borrowed	72,000,000	51,900,000
Maximum month-end balances	145,900,000	110,000,000
Average rates paid during the years (as a percent)	1.35%	1.82%
Ability to borrow funds equal to percentage of total assets	35.00%	'
Additional borrowing capacity available under the arrangement	$117,800,000	'

BORROWED_MONEY_Details_2

BORROWED MONEY (Details 2) (Borrowings from Federal Reserve Bank, USD $)	Sep. 30, 2013
BORROWINGS FROM THE FEDERAL RESERVE BANK	'
Outstanding borrowings	$0
Additional borrowing capacity available	219,100,000
Commercial loans	'
BORROWINGS FROM THE FEDERAL RESERVE BANK	'
Loans assigned as collateral	$176,900,000

SUBORDINATED_DEBENTURES_Detail

SUBORDINATED DEBENTURES (Details) (Special-purpose subsidiary, USD $)	1 Months Ended	12 Months Ended			1 Months Ended	12 Months Ended
	Mar. 31, 2004	Sep. 30, 2013	Sep. 30, 2013	Mar. 30, 2004	Dec. 31, 2004	Sep. 30, 2013	Sep. 30, 2013	Dec. 15, 2004
	Trust I	Trust I	Trust I	Trust I	Trust II	Trust II	Trust II	Trust II
			Junior subordinated deferrable interest debentures	Junior subordinated deferrable interest debentures			Junior subordinated deferrable interest debentures	Junior subordinated deferrable interest debentures
			Pulaski Financial Corp.	Pulaski Financial Corp.			Pulaski Financial Corp.	Pulaski Financial Corp.
SUBORDINATED DEBENTURES	'	'	'	'	'	'	'	'
Proceeds from issuance of adjustable-rate preferred securities	$9,000,000	'	'	'	$10,000,000	'	'	'
Company's capital contribution for Trust's common securities	279,000	'	'	'	310,000	'	'	'
Aggregate principal amount	'	'	'	$9,300,000	'	'	'	$10,300,000
Interest rate on debentures (as a percent)	'	'	2.95%	'	'	'	2.11%	'
Interest rate on capital securities (as a percent)	'	2.95%	'	'	'	2.11%	'	'
Basis to determine variable interest rate on debentures	'	'	'three-month LIBOR	'	'	'	'three-month LIBOR	'
Basis to determine variable interest rate on capital securities	'	'three-month LIBOR	'	'	'	'three-month LIBOR	'	'
Margin over variable rate basis on debentures (as a percent)	'	'	2.70%	'	'	'	1.86%	'
Margin over variable rate basis on capital securities (as a percent)	'	2.70%	'	'	'	1.86%	'	'

LIABILITY_FOR_LOANS_SOLD_Detai

LIABILITY FOR LOANS SOLD (Details) (Liability for loans sold, USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
	item
Liability for loans sold	'	'
Borrower default period for repurchase mortgage loans sold	'90 days	'
Notice period for breaches of contractual representations or warranties made at the time of sale of loans	'90 days	'
Period within which borrower pays off the loan after origination	'120 days	'
Principal balance of loans sold	$412,000,000	$343,000,000
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'
Received during period	8,720,000	16,639,000
Resolved during period	8,148,000	20,228,000
Unresolved at end of period	5,638,000	5,066,000
Changes in the mortgage loan repurchase reserve	'	'
Balance at beginning of period	977,134	1,257,146
Provisions charged to expense	951,065	2,005,865
Amounts paid to resolve demands	-575,104	-2,285,877
Balance at end of period	1,353,095	977,134
Amount paid to settle all past, present and potential future make-whole and repurchase claims	-1,950,000	'
Number of largest mortgage loan investors to whom amount paid to settle all past, present and potential future make-whole and repurchase claims	2	'
Share of loans settled to total loans sold	0.33	'
Resolved by providing additional documentation with no further action required	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'
Resolved during period	6,517,000	9,375,000
Resolved by make whole and early payment default payments to reimburse investors for losses incurred	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'
Resolved during period	195,000	776,000
Changes in the mortgage loan repurchase reserve	'	'
Amounts paid to resolve demands	51,078	147,777
Resolved by repurchasing loans previously sold to investors	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'
Resolved during period	1,436,000	889,000
Changes in the mortgage loan repurchase reserve	'	'
Amounts paid to resolve demands	328,844	116,324
Payments due upon early payoff of loans previously sold	'	'
Changes in the mortgage loan repurchase reserve	'	'
Amounts paid to resolve demands	195,182	71,776
Resolved under global settlement agreements	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'
Resolved during period	'	9,188,000
Changes in the mortgage loan repurchase reserve	'	'
Amounts paid to resolve demands	'	$1,950,000

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended								12 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Current expense:	'	'	'	'	'	'	'	'	'	'	'
Federal	'	'	'	'	'	'	'	'	$3,075,524	$2,614,954	$2,387,642
State	'	'	'	'	'	'	'	'	624,000	527,100	377,500
Deferred expense	'	'	'	'	'	'	'	'	1,097,072	1,121,173	384,665
Total	-537,326	1,869,647	1,991,730	1,472,545	1,129,145	1,212,795	564,780	1,356,507	4,796,596	4,263,227	3,149,807
Income tax expense differs from that computed at the federal statutory rate, Amount	'	'	'	'	'	'	'	'	'	'	'
Tax at statutory federal income tax rate	'	'	'	'	'	'	'	'	5,111,979	4,932,520	3,812,959
Non-taxable income from bank-owned life insurance	'	'	'	'	'	'	'	'	-316,112	-350,563	-364,357
Non-taxable interest and dividends	'	'	'	'	'	'	'	'	-454,939	-517,512	-487,417
State taxes, net of federal benefit	'	'	'	'	'	'	'	'	405,600	342,615	249,150
Other, net	'	'	'	'	'	'	'	'	50,068	-143,833	-60,528
Total	($537,326)	$1,869,647	$1,991,730	$1,472,545	$1,129,145	$1,212,795	$564,780	$1,356,507	$4,796,596	$4,263,227	$3,149,807
Income tax expense differs from that computed at the federal statutory rate, %	'	'	'	'	'	'	'	'	'	'	'
Tax at statutory federal income tax rate (as a percent)	'	'	'	'	'	'	'	'	35.00%	35.00%	34.00%
Non-taxable income from bank-owned life insurance (as a percent)	'	'	'	'	'	'	'	'	-2.20%	-2.50%	-3.30%
Non-taxable interest and dividends (as a percent)	'	'	'	'	'	'	'	'	-3.10%	-3.70%	-4.30%
State taxes, net of federal benefit (as a percent)	'	'	'	'	'	'	'	'	2.80%	2.40%	2.20%
Other, net (as a percent)	'	'	'	'	'	'	'	'	0.30%	-0.90%	-0.50%
Total (as a percent)	'	'	'	'	'	'	'	'	32.80%	30.30%	28.10%

INCOME_TAXES_Details_2

INCOME TAXES (Details 2) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Deferred tax assets:	'	'
Allowance for loan losses	$8,112,015	$8,378,598
Stock-based compensation	886,437	625,609
Non-accrual interest	290,729	733,418
Deferred compensation	1,580,622	2,013,960
Equity investments	126,614	117,870
Unrealized losses on securities available for sale	15,654	'
Other	411,189	739,580
Total deferred tax assets	11,423,260	12,609,035
Deferred tax liabilities:	'	'
FHLB stock dividends	152,311	152,311
Core deposit intangible	8,441	15,559
Premises and equipment	673,568	768,039
Unrealized gains on securities available for sale	'	13,161
Other	18,705	21,473
Total deferred tax liabilities	853,025	970,543
Net deferred tax assets	$10,570,235	$11,638,492

INCOME_TAXES_Details_3

INCOME TAXES (Details 3) (USD $)	12 Months Ended
	Sep. 30, 2013
INCOME TAXES	'
Unrecognized tax benefits	$138,000
Unrecognized tax benefits affecting effective tax rate if recognized	129,000
Accrued payment of interest and penalties	9,000
Aggregate changes in the balance of gross unrecognized tax benefits, which excludes interest and penalties	'
Balance at beginning of the period	129,000
Increases related to tax positions taken during the current period	32,000
Decreases related to the expiration of the statute of limitations	-32,000
Balance at end of the period	129,000
Tax bad debt deductions, net in retained earnings	'
Deferred tax liability not recognized	'
Tax bad debt deductions, net of actual bad debts and bad debt recoveries	4,100,000
Provision for federal income taxes	$0

PREFERRED_STOCK_Details

PREFERRED STOCK (Details) (USD $)	0 Months Ended	3 Months Ended	12 Months Ended
	Jan. 16, 2009	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Stockholders' equity	'	'	'	'
Issuance of fixed rate cumulative perpetual preferred stock (in shares)	'	'	13,653	'
Preferred stock, liquidation preference (in dollars per share)	'	$1,000	$1,000	$1,000
Warrant to purchase the shares of common stock (in shares)	778,421	'	'	'
Term of warrant	'10 years	'	'	'
Exercise price of warrants (in dollars per share)	$6.27	'	'	'
Proceeds from issuance of preferred stock and of warrants	$32,500,000	'	'	'
Proceeds allocated to the Warrant	2,200,000	'	'	'
Repurchase from private investors in par value	'	7,100,000	8,000,000	'
Repurchase of preferred shares, net	'	6,600,000	7,951,199	6,608,067
Average discount from par value (as a percent)	'	7.20%	'	'
Equity Stake held by U.S. Treasury	'	'	0	'
Repurchase of common stock warrant	'	1,100,000	'	1,110,000
Benefit from repurchase of stock	'	364,000	'	'
Reduction in total stockholders' equity from repurchase	'	$7,700,000	'	$7,700,000
Warrant	'	'	'	'
Stockholders' equity	'	'	'	'
Risk-free interest rate (as a percent)	4.30%	'	'	'
Expected volatility (as a percent)	35.53%	'	'	'
Dividend yield (as a percent)	4.27%	'	'	'
Series A Preferred Stock	'	'	'	'
Stockholders' equity	'	'	'	'
Issuance of fixed rate cumulative perpetual preferred stock (in shares)	32,538	'	'	'
Preferred stock, liquidation preference (in dollars per share)	$1,000	'	'	'
Risk-adjusted rate of return (as a percent)	12.00%	'	'	'
Preferred stock discount amortization period	'5 years	'	'	'
Series A Preferred Stock | First five years (January 16, 2009 to January 16, 2014)	'	'	'	'
Stockholders' equity	'	'	'	'
Annual preferred stock dividend rate (as a percent)	'	'	5.00%	'
Period over which cumulative Preferred Stock dividends are paid at 5% per year	'	'	'5 years	'
Series A Preferred Stock | Thereafter (beginning January 16, 2014)	'	'	'	'
Stockholders' equity	'	'	'	'
Annual preferred stock dividend rate (as a percent)	'	'	9.00%	'

REGULATORY_CAPITAL_REQUIREMENT2

REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)	12 Months Ended		12 Months Ended		0 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Jan. 01, 2015	Jan. 01, 2015
			Bank	Bank	Bank	Bank
			item		Forecast	Forecast
						Maximum
Tangible capital (to total assets)	'	'	'	'	'	'
Actual Amount	'	'	$127,757,000	$129,223,000	'	'
Actual Ratio (as a percent)	'	'	10.05%	9.63%	'	'
Capital Adequacy Purposes Amount	'	'	19,064,000	20,134,000	'	'
Capital Adequacy Purposes Ratio (as a percent)	'	'	1.50%	1.50%	'	'
Total risk-based capital (to risk- weighted assets)	'	'	'	'	'	'
Actual Amount	'	'	140,336,000	142,378,000	'	'
Actual Ratio (as a percent)	'	'	14.03%	13.58%	'	'
Capital Adequacy Purposes Amount	'	'	80,016,000	83,873,000	'	'
Capital Adequacy Purposes Ratio (as a percent)	'	'	8.00%	8.00%	8.00%	'
Well Capitalized Amount	'	'	100,020,000	104,841,000	'	'
Well Capitalized Ratio (as a percent)	'	'	10.00%	10.00%	'	'
Tier I risk-based capital (to risk- weighted assets)	'	'	'	'	'	'
Actual Amount	'	'	127,757,000	129,223,000	'	'
Actual Ratio (as a percent)	'	'	12.77%	12.33%	'	'
Well Capitalized Amount	'	'	60,012,000	62,905,000	'	'
Well Capitalized Ratio (as a percent)	'	'	6.00%	6.00%	'	'
Tier I leverage capital (to average assets)	'	'	'	'	'	'
Actual Amount	'	'	127,757,000	129,223,000	'	'
Actual Ratio (as a percent)	'	'	10.05%	9.63%	'	'
Capital Adequacy Purposes Amount	'	'	50,838,000	53,690,000	'	'
Capital Adequacy Purposes Ratio (as a percent)	'	'	4.00%	4.00%	4.00%	'
Well Capitalized Amount	'	'	63,547,000	67,113,000	'	'
Well Capitalized Ratio (as a percent)	'	'	5.00%	5.00%	'	'
Risk-based capital and leverage ratios	'	'	'	'	'	'
Number of consultative documents released by the Basel Committee on Banking Supervision referred by Base III	'	'	2	'	'	'
New common equity Tier 1 capital ratio (as a percent)	'	'	'	'	4.50%	'
Tier 1 capital ratio (as a percent)	'	'	4.00%	'	6.00%	'
Capital Adequacy Purposes Ratio (as a percent)	'	'	8.00%	8.00%	8.00%	'
Capital Adequacy Purposes Ratio (as a percent)	'	'	4.00%	4.00%	4.00%	'
Trust preferred securities that qualify as Tier 1 regulatory capital	'	'	'	'	'	15,000,000,000
Capital conservation buffer (as a percent)	'	'	'	'	2.50%	'
Risk-weighted assets (as a percent)	'	'	'	'	0.63%	'
Reconciliation of the Tier I stockholders' equity and regulatory risk-based capital	'	'	'	'	'	'
Tier I stockholders' equity	'	'	131,697,000	'	'	'
Deduct: Intangible assets	'	'	-3,961,000	'	'	'
Deduct: Disallowed servicing rights	'	'	-5,000	'	'	'
Add: Unrealized losses on available-for-sale securities	-14,108	-38,926	26,000	'	'	'
Tangible capital	'	'	127,757,000	129,223,000	'	'
Add: General valuation allowances	'	'	12,579,000	'	'	'
Total risk-based capital	'	'	140,336,000	142,378,000	'	'
Additional disclosures	'	'	'	'	'	'
Remaining balance of the liquidation account	'	'	$2,300,000	'	'	'
Number of preceding years, the retained net income of which is considered for capital distribution	'2 years	'	'	'	'	'

AT_THE_MARKET_OFFERING_Details

AT THE MARKET OFFERING (Details) (USD $)	12 Months Ended	2 Months Ended	0 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	7-May-13
		Sales Agency Agreement	Sales Agency Agreement
		Sandler O'Neill & Partners, L.P.	Sandler O'Neill & Partners, L.P.
			Maximum
At the market offering	'	'	'
Aggregate gross sales price of shares of common stock that may be sold under the agreement	'	'	$10,000,000
Aggregate number of shares of common stock (in shares)	13,653	13,653	'
Weighted average price (in dollar per share)	'	$10.60	'
Proceeds from issuance of common stock, net of commissions	'	140,000	'
Commissions	'	$4,000	'

EMPLOYEE_BENEFITS_Details

EMPLOYEE BENEFITS (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Summary of stock option program activity	'	'	'
Exercised (in shares)	-23,400	-84,456	-33,397
Restricted stock awards	'	'	'
Summary of restricted stock award activity	'	'	'
Nonvested at beginning of year (in shares)	365,170	115,078	67,219
Granted (in shares)	42,221	298,727	67,248
Vested (in shares)	-137,861	-47,877	-12,996
Forfeited (in shares)	'	-758	-6,393
Nonvested at end of year (in shares)	269,530	365,170	115,078
Restricted Stock Awards, Weighted Average Grant-Date Fair Value	'	'	'
Nonvested at beginning of year (in dollars per share)	7.13	6.89	6.45
Granted (in dollars per share)	8.72	7.05	7.49
Vested (in dollars per share)	7.27	6.02	7.43
Forfeited (in dollars per share)	'	6.59	7.43
Nonvested at end of year (in dollars per share)	7.31	7.13	6.89
Restricted stock awards | Performance-based | Executive officers	'	'	'
Summary of restricted stock award activity	'	'	'
Granted (in shares)	15,000	250,000	'
Restricted stock awards	'	'	'
Number of executive officers to whom awards are granted	1	6	'
Percentage of shares received required to be held	'	33.33%	'
Period from the date of date of vesting during which awards received are required to be held	'	'5 years	'
Restricted stock awards | Performance-based | Date of the filing of the annual report on Form 10-K for the year ended September 30, 2012 | Executive officers	'	'	'
Restricted stock awards	'	'	'
Percentage of restricted stock which will vest	'	25.00%	'
Restricted stock awards | Performance-based | Date of the filing of the annual report on Form 10-K for the year ended September 30, 2013 | Executive officers	'	'	'
Restricted stock awards	'	'	'
Percentage of restricted stock which will vest	33.33%	25.00%	'
Restricted stock awards | Performance-based | Date of the filing of the annual report on Form 10-K for the year ended September 30, 2014 | Executive officers	'	'	'
Restricted stock awards	'	'	'
Percentage of restricted stock which will vest	66.67%	50.00%	'
Stock option awards	'	'	'
EMPLOYEE BENEFITS	'	'	'
Expiration period	'10 years	'	'
Summary of stock option program activity	'	'	'
Outstanding at beginning of year (in shares)	629,936	759,684	849,840
Granted (in shares)	17,500	0	0
Exercised (in shares)	-23,400	-84,456	-33,397
Forfeited (in shares)	-19,450	-45,292	-56,759
Outstanding at end of year (in shares)	604,586	629,936	759,684
Exercisable at end of year (in shares)	586,386	578,387	604,387
Stock Option Program, Weighted Average Exercise Price	'	'	'
Outstanding at beginning of year (in dollars per share)	11.2	10.56	10.4
Granted (in dollars per share)	8.39	'	'
Exercised (in dollars per share)	8.99	5.96	5.81
Forfeited (in dollars per share)	9.53	10.18	10.96
Outstanding at end of year (in dollars per share)	11.26	11.2	10.56
Exercisable at end of year (in dollars per share)	11.35	11.19	10.65
Stock Option Program, Aggregate Intrinsic Value	'	'	'
Outstanding at end of year (in dollars)	512,296	'	'
Exercisable at end of year (in dollars)	457,784	'	'
Stock Option Program, Weighted Average Remaining Contractual Life	'	'	'
Outstanding at end of year	'4 years	'	'
Exercisable at end of year	'3 years 10 months 24 days	'	'
Stock option program	'	'	'
Weighted-average fair value per share of options granted (in dollars per share)	2.12	'	'
Cash received from stock options exercised	210,000	503,000	194,000
Total intrinsic value of stock options exercised	17,000	110,000	51,000
Stock option awards | Minimum	'	'	'
EMPLOYEE BENEFITS	'	'	'
Vesting period	'3 years	'	'
Stock option awards | Maximum	'	'	'
EMPLOYEE BENEFITS	'	'	'
Vesting period	'5 years	'	'
Stock option awards | Executive officers and directors	'	'	'
Summary of stock option program activity	'	'	'
Exercised (in shares)	-19,000	'	'
Stock-based incentive plans	'	'	'
EMPLOYEE BENEFITS	'	'	'
Reserved but unissued shares that can be awarded in the form of stock options or restricted share awards	563,805	'	'

EMPLOYEE_BENEFITS_Details_2

EMPLOYEE BENEFITS (Details 2) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
EMPLOYEE BENEFITS	'	'	'	'
Total expense	1,222,419	1,179,683	590,457	'
Earnings per share, Basic (in dollars per share)	0.07	0.07	0.03	'
Earnings per share, Diluted (in dollars per share)	0.07	0.07	0.03	'
Equity Trust Plan	'	'	'	'
Treasury stock, shares	2,017,782	2,114,246	'	'
Aggregate value of treasury shares	15,851,041	15,939,378	'	'
Equity Trust Plan | Key loan officers and sales staff | Equity Trust Plan shares	'	'	'	'
Equity Trust Plan	'	'	'	'
Shares purchased for award	50,600	27,211	'	'
Average price of shares purchased (in dollars per share)	10.17	6.67	'	'
Distribution of shares to participants	88,545	141,606	'	'
Aggregate market value of shares distributed	1,000,000	1,100,000	'	'
Treasury stock, shares	354,123	'	'	'
Aggregate value of treasury shares	3,200,000	'	'	'
Shares not yet vested	209,551	'	'	'
Stock option awards	'	'	'	'
Average assumptions used for estimated fair value of stock options using Black-Scholes option pricing model	'	'	'	'
Risk-free interest rate (as a percent)	0.85%	'	'	'
Expected volatility (as a percent)	44.36%	'	'	'
Expected life in years	'6 years	'	'	'
Dividend yield (as a percent)	5.02%	'	'	'
Expected forfeiture rate (as a percent)	5.30%	'	'	'
Stock option awards | Minimum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'3 years	'	'	'
Stock option awards | Maximum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'5 years	'	'	'
Stock option awards | Stock options and awards, stock-based compensation plans	'	'	'	'
EMPLOYEE BENEFITS	'	'	'	'
Unrecognized compensation expense, nonvested stock options	25,000	'	'	'
Weighted-average period for unrecognized compensation expenses expected to be recognized	'2 years	'	'	'
Restricted stock awards	'	'	'	'
Equity Trust Plan	'	'	'	'
Distribution of shares to participants	137,861	47,877	12,996	'
Shares not yet vested	269,530	365,170	115,078	67,219
Restricted stock awards | Stock options and awards, stock-based compensation plans	'	'	'	'
EMPLOYEE BENEFITS	'	'	'	'
Unrecognized compensation expense, restricted stock awards	659,000	'	'	'
Weighted-average period for unrecognized compensation expenses expected to be recognized	'1 year 1 month 6 days	'	'	'
Company contribution awards | Equity Trust Plan | Key loan officers and sales staff | Equity Trust Plan shares | Minimum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'3 years	'	'	'
Company contribution awards | Equity Trust Plan | Key loan officers and sales staff | Equity Trust Plan shares | Maximum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'5 years	'	'	'
Participant contribution awards | Equity Trust Plan | Key loan officers and sales staff | Equity Trust Plan shares | Minimum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'2 years	'	'	'
Participant contribution awards | Equity Trust Plan | Key loan officers and sales staff | Equity Trust Plan shares | Maximum	'	'	'	'
Equity Trust Plan	'	'	'	'
Vesting period	'5 years	'	'	'

EMPLOYEE_BENEFITS_Details_3

EMPLOYEE BENEFITS (Details 3) (Bank, USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
KSOP	'	'	'
Employer's contributions to the plan	$358,000	$302,000	$295,000
Beginning January 1, 2011	'	'	'
KSOP	'	'	'
Employer matching contribution, percentage of employee contribution	50.00%	'	'
Maximum matching contribution as a percentage of participant's salary	5.00%	'	'

EMPLOYEE_BENEFITS_Details_4

EMPLOYEE BENEFITS (Details 4) (Employment Agreement, CEO)	1 Months Ended
	31-May-08
	item
Employment Agreement | CEO	'
Employment Agreement	'
Initial term of agreement	'2 years
Period of continued medical coverage if employment is terminated	'24 months
Multiplier used to determine lump-sum payment in the event of a change in control and subsequent termination of employment	2
Period that soliciting services of any of the Company's employees and from competing with the Company are prohibited	'2 years

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Commitments to originate loans | Residential first and second mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	$65,936	$121,096
Commitments to originate loans | Commercial mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	62,626	46,058
Commitments to originate loans | Non-mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	15,778	12,458
Unused lines of credit | Residential first and second mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	67,265	92,692
Unused lines of credit | Commercial mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	$148,411	$102,311

DERIVATIVES_Details

DERIVATIVES (Details) (USD $)	Sep. 30, 2008	Sep. 30, 2013	Sep. 30, 2008	Sep. 30, 2013	Sep. 30, 2008	Sep. 30, 2013	Sep. 30, 2012
	Interest-rate swap contracts	Interest-rate swap contract, Bank and loan customer	Interest-rate swap contract, Bank and loan customer	Interest-rate swap contract, Major securities broker	Interest-rate swap contract, Major securities broker	Unexpired interest rate lock commitments	Unexpired interest rate lock commitments
	item
DERIVATIVES	'	'	'	'	'	'	'
Notional amount	'	'	'	'	'	$68,600,000	$179,600,000
Number of interest rate swaps contracts entered into by the entity	2	'	'	'	'	'	'
Notional value of interest rate swap contracts	28,000,000	'	14,000,000	'	14,000,000	'	'
Value of variable-rate commercial loan relationship supported by derivative contracts	$14,000,000	'	'	'	'	'	'
Derivative fixed interest rate (as a percent)	'	6.58%	'	6.58%	'	'	'
Derivative variable rate basis	'	'one-month LIBOR	'	'one-month LIBOR	'	'	'
Derivative basis spread on variable rate (as a percent)	'	2.30%	'	2.30%	'	'	'

DERIVATIVES_Details_2

DERIVATIVES (Details 2) (Not designated for hedge treatment, Interest-rate swap, USD $)	Sep. 30, 2013	Sep. 30, 2012
Not designated for hedge treatment | Interest-rate swap	'	'
Fair values of the contracts	'	'
Fair value recorded in other assets	$843,000	$1,360,000
Fair value recorded in other liabilities	$843,000	$1,360,000

DERIVATIVES_Details_3

DERIVATIVES (Details 3) (Interest-rate swap, USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Gross gains and losses on contracts recorded in non-interest expense in consolidated statement of income and comprehensive income	'	'
Cash pledged to secure derivative contract obligations	$1,800,000	$1,800,000
Derivative financial assets	'	'
Gross gains and losses on contracts recorded in non-interest expense in consolidated statement of income and comprehensive income	'	'
Gross (gains) losses on derivatives	517,000	316,000
Derivative financial liabilities	'	'
Gross gains and losses on contracts recorded in non-interest expense in consolidated statement of income and comprehensive income	'	'
Gross (gains) losses on derivatives	($517,000)	($316,000)

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	'	'
Loans receivable held for sale	$70,473,361	$180,574,694
Standby letters of credit	'	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	'	'
Number of letters of credit outstanding	47	51
Letters of credit outstanding	4,000,000	4,600,000
Commitments to originate loans	'	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	'	'
Financial instruments	144,300,000	179,600,000
Loans committed to be sold	133,400,000	118,200,000
Unused lines of credit | Commercial	'	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	'	'
Financial instruments	148,400,000	102,300,000
Unused lines of credit | Equity	'	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	'	'
Financial instruments	$67,300,000	$92,700,000

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	12 Months Ended			36 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2013
Real Estate Acquired in Settlement of Loans	'	'	'	'
Charge-offs to allowance for loan losses at the time of foreclosure	$1	$2.40	'	'
Charge-offs to allowance for loan losses at the time of foreclosure as a percentage of principal balance	11.00%	31.00%	'	'
Impairment losses related to goodwill	$0	$0	$0	$0
Residential real estate | Minimum	'	'	'	'
Real Estate Acquired in Settlement of Loans	'	'	'	'
Period of borrower's delinquency for inspection	'45 days	'	'	'
Residential real estate | Maximum	'	'	'	'
Real Estate Acquired in Settlement of Loans	'	'	'	'
Period of borrower's delinquency for inspection	'60 days	'	'	'
Commercial real estate | Minimum	'	'	'	'
Real Estate Acquired in Settlement of Loans	'	'	'	'
Period for review of listing prices of properties	'30 days	'	'	'

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair Value Measurements Using Level 2	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	$38,917	$21,921
Fair Value Measurements Using Level 2 | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	843	1,360
Liabilities:	'	'
Derivative liabilities	843	1,360
Fair value on recurring basis | Total	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	38,917	21,921
Total assets	39,760	23,281
Liabilities:	'	'
Total liabilities	843	1,360
Fair value on recurring basis | Total | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	843	1,360
Liabilities:	'	'
Derivative liabilities	843	1,360
Fair value on recurring basis | Fair Value Measurements Using Level 2	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	38,917	21,921
Total assets	39,760	23,281
Liabilities:	'	'
Total liabilities	843	1,360
Fair value on recurring basis | Fair Value Measurements Using Level 2 | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	843	1,360
Liabilities:	'	'
Derivative liabilities	$843	$1,360

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 3) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Assets:	'	'
Real estate acquired in settlement of loans	$6,394,712	$13,952,168
Amount of transfers between levels within the fair value hierarchy	0	0
Fair value on non-recurring basis | Total	'	'
Assets:	'	'
Impaired loans, net	4,014,000	4,008,000
Real estate acquired in settlement of loans	6,395,000	13,952,000
Total assets	10,409,000	17,960,000
Fair value on non-recurring basis | Fair Value Measurements Using Level 3	'	'
Assets:	'	'
Impaired loans, net	4,014,000	4,008,000
Real estate acquired in settlement of loans	6,395,000	13,952,000
Total assets	10,409,000	17,960,000
Fair value on non-recurring basis | Total Losses Recognized	'	'
Assets:	'	'
Impaired loans, net	8,740,000	6,083,000
Real estate acquired in settlement of loans	3,742,000	5,790,000
Total assets	$12,482,000	$11,873,000

DISCLOSURES_ABOUT_FAIR_VALUES_2

DISCLOSURES ABOUT FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
ASSETS:	'	'	'	'
Cash and cash equivalents	$86,308,578	$62,334,922	$57,071,006	$15,602,804
Mortgage-backed securities - HTM	4,537,359	6,096,227	'	'
Accrued interest receivable	3,151,197	3,888,611	'	'
LIABILITIES:	'	'	'	'
Borrowed money	78,000,000	89,000,000	'	'
Accrued interest payable	469,909	695,111	'	'
Estimated Fair Value, Level 1	'	'	'	'
ASSETS:	'	'	'	'
Cash and cash equivalents	86,309,000	62,335,000	'	'
Accrued interest receivable	3,151,000	3,889,000	'	'
Estimated Fair Value, Level 2	'	'	'	'
ASSETS:	'	'	'	'
Debt and mortgage-backed securities - AFS	38,917,000	21,921,000	'	'
Capital stock of FHLB	4,777,000	5,559,000	'	'
Mortgage-backed securities - HTM	4,537,000	6,096,000	'	'
Mortgage loans held for sale	72,481,000	185,641,000	'	'
LIABILITIES:	'	'	'	'
Borrowed money	115,254,000	112,845,000	'	'
Subordinated debentures	19,583,000	19,583,000	'	'
Accrued interest payable	470,000	695,000	'	'
Estimated Fair Value, Level 2 | Deposit transaction accounts	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	652,167,000	636,368,000	'	'
Estimated Fair Value, Level 2 | Certificate of deposits	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	359,917,000	446,529,000	'	'
Estimated Fair Value, Level 2 | Interest-rate swap	'	'	'	'
ASSETS:	'	'	'	'
Derivative assets	843,000	1,360,000	'	'
LIABILITIES:	'	'	'	'
Derivative liabilities	843,000	1,360,000	'	'
Estimated Fair Value, Level 3	'	'	'	'
ASSETS:	'	'	'	'
Loans receivable	1,001,898,000	1,024,992,000	'	'
Carrying Value	'	'	'	'
ASSETS:	'	'	'	'
Cash and cash equivalents	86,309,000	62,335,000	'	'
Debt and mortgage-backed securities - AFS	38,917,000	21,921,000	'	'
Capital stock of FHLB	4,777,000	5,559,000	'	'
Mortgage-backed securities - HTM	4,294,000	5,657,000	'	'
Mortgage loans held for sale	70,473,000	180,575,000	'	'
Loans receivable	988,668,000	975,728,000	'	'
Accrued interest receivable	3,151,000	3,889,000	'	'
LIABILITIES:	'	'	'	'
Borrowed money	113,483,000	109,981,000	'	'
Subordinated debentures	19,589,000	19,589,000	'	'
Accrued interest payable	470,000	695,000	'	'
Carrying Value | Deposit transaction accounts	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	652,167,000	636,368,000	'	'
Carrying Value | Certificate of deposits	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	358,645,000	445,331,000	'	'
Carrying Value | Interest-rate swap	'	'	'	'
ASSETS:	'	'	'	'
Derivative assets	843,000	1,360,000	'	'
LIABILITIES:	'	'	'	'
Derivative liabilities	$843,000	$1,360,000	'	'

SELECTED_QUARTERLY_FINANCIAL_D2

SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED)	'	'	'	'	'	'	'	'	'	'	'
Interest income	$12,117,382	$12,707,194	$13,176,256	$13,612,790	$13,410,827	$13,663,082	$14,010,747	$14,623,636	$51,613,622	$55,708,292	$60,252,673
Interest expense	1,406,250	1,545,575	1,687,527	1,805,452	1,963,062	2,015,743	2,189,946	2,509,051	6,444,804	8,677,801	12,951,305
Net interest income	10,711,132	11,161,619	11,488,729	11,807,338	11,447,765	11,647,339	11,820,801	12,114,585	45,168,818	47,030,491	47,301,368
Provision for loan losses	6,850,000	1,800,000	1,375,000	2,065,000	2,950,000	3,000,000	5,500,000	3,000,000	12,090,000	14,450,000	14,800,000
Net interest income after provision for loan losses	3,861,132	9,361,619	10,113,729	9,742,338	8,497,765	8,647,339	6,320,801	9,114,585	33,078,818	32,580,491	32,501,368
Non-interest income	4,504,483	4,913,580	4,635,892	4,716,128	4,631,462	4,102,096	3,554,725	3,415,425	18,770,083	15,703,708	12,997,805
Non-interest expense	9,481,956	8,797,381	9,105,717	9,858,192	9,327,727	8,790,391	7,941,739	8,131,427	37,243,246	34,191,284	34,284,589
Income before income taxes	-1,116,341	5,477,818	5,643,904	4,600,274	3,801,500	3,959,044	1,933,787	4,398,583	14,605,655	14,092,915	11,214,584
Income tax expense	-537,326	1,869,647	1,991,730	1,472,545	1,129,145	1,212,795	564,780	1,356,507	4,796,596	4,263,227	3,149,807
Net income	-579,015	3,608,171	3,652,174	3,127,729	2,672,355	2,746,249	1,369,007	3,042,076	9,809,059	9,829,688	8,064,777
Income available to common shares	($941,895)	$3,262,705	$3,246,407	$2,722,270	$2,541,903	$2,228,000	$851,149	$2,524,606	$8,289,487	$8,145,658	$5,998,761
Earnings per common share - basic (in dollars per share)	($0.09)	$0.30	$0.30	$0.25	$0.24	$0.21	$0.08	$0.24	$0.76	$0.76	$0.57
Earnings per common share - diluted (in dollars per share)	($0.08)	$0.29	$0.29	$0.25	$0.23	$0.20	$0.08	$0.23	$0.74	$0.74	$0.55
Weighted average common shares outstanding - basic (in shares)	10,922,253	10,914,913	10,916,522	10,815,633	10,742,660	10,709,072	10,659,123	10,605,620	10,892,136	10,679,091	10,543,316
Weighted average common shares outstanding - diluted (in shares)	11,124,759	11,147,049	11,136,801	11,066,355	11,019,007	11,121,025	11,132,612	11,004,706	11,132,941	10,993,862	10,987,605

CONDENSED_PARENTCOMPANYONLY_FI2

CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS. (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
ASSETS:	'	'	'	'
Total assets	$1,275,944,420	$1,347,517,426	'	'
LIABILITIES:	'	'	'	'
Other liabilities	11,668,078	11,796,985	'	'
Total liabilities	1,159,886,354	1,229,350,254	'	'
Total stockholders' equity	116,058,066	118,167,172	120,170,186	116,353,281
Total liabilities and stockholders' equity	1,275,944,420	1,347,517,426	'	'
Parent-company-only	'	'	'	'
ASSETS:	'	'	'	'
Cash and cash equivalents	511,436	82,678	119,182	109,083
Investment in Bank	131,697,972	133,230,503	'	'
Intercompany loan to Bank	3,510,000	4,360,000	'	'
Other assets	1,687,394	2,051,521	'	'
Total assets	137,406,802	139,724,702	'	'
LIABILITIES:	'	'	'	'
Subordinated debentures	19,589,000	19,589,000	'	'
Dividends payable	1,084,768	1,078,292	'	'
Other liabilities	674,968	890,238	'	'
Total liabilities	21,348,736	21,557,530	'	'
Total stockholders' equity	116,058,066	118,167,172	'	'
Total liabilities and stockholders' equity	$137,406,802	$139,724,702	'	'

CONDENSED_PARENTCOMPANYONLY_FI3

CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS. (Details 2) (USD $)	3 Months Ended								12 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Condensed Statements of Income	'	'	'	'	'	'	'	'	'	'	'
Interest expense	$1,406,250	$1,545,575	$1,687,527	$1,805,452	$1,963,062	$2,015,743	$2,189,946	$2,509,051	$6,444,804	$8,677,801	$12,951,305
Net interest expense	10,711,132	11,161,619	11,488,729	11,807,338	11,447,765	11,647,339	11,820,801	12,114,585	45,168,818	47,030,491	47,301,368
Non-interest income	4,504,483	4,913,580	4,635,892	4,716,128	4,631,462	4,102,096	3,554,725	3,415,425	18,770,083	15,703,708	12,997,805
Non-interest expense	9,481,956	8,797,381	9,105,717	9,858,192	9,327,727	8,790,391	7,941,739	8,131,427	37,243,246	34,191,284	34,284,589
Income before income taxes	-1,116,341	5,477,818	5,643,904	4,600,274	3,801,500	3,959,044	1,933,787	4,398,583	14,605,655	14,092,915	11,214,584
Income tax benefit	-537,326	1,869,647	1,991,730	1,472,545	1,129,145	1,212,795	564,780	1,356,507	4,796,596	4,263,227	3,149,807
Net income	-579,015	3,608,171	3,652,174	3,127,729	2,672,355	2,746,249	1,369,007	3,042,076	9,809,059	9,829,688	8,064,777
Income available to common shares	-941,895	3,262,705	3,246,407	2,722,270	2,541,903	2,228,000	851,149	2,524,606	8,289,487	8,145,658	5,998,761
Parent-company-only	'	'	'	'	'	'	'	'	'	'	'
Condensed Statements of Income	'	'	'	'	'	'	'	'	'	'	'
Interest income	'	'	'	'	'	'	'	'	126,633	131,051	69,129
Interest expense	'	'	'	'	'	'	'	'	509,437	541,727	505,889
Net interest expense	'	'	'	'	'	'	'	'	-382,804	-410,676	-436,760
Non-interest income	'	'	'	'	'	'	'	'	169,122	1,041,468	1,112,099
Non-interest expense	'	'	'	'	'	'	'	'	829,460	746,278	688,955
Income before income taxes	'	'	'	'	'	'	'	'	-1,043,142	-115,486	-13,616
Income tax benefit	'	'	'	'	'	'	'	'	-337,717	-34,936	-3,824
Net (loss) income before equity in earnings of Bank	'	'	'	'	'	'	'	'	-705,425	-80,550	-9,792
Equity in earnings of Bank	'	'	'	'	'	'	'	'	10,514,484	9,910,238	8,074,569
Net income	'	'	'	'	'	'	'	'	9,809,059	9,829,688	8,064,777
Income available to common shares	'	'	'	'	'	'	'	'	$8,289,487	$8,145,658	$5,998,761

CONDENSED_PARENTCOMPANYONLY_FI4

CONDENSED PARENT-COMPANY-ONLY FINANCIAL STATEMENTS. (Details 3) (USD $)	3 Months Ended								12 Months Ended
	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Net income	($579,015)	$3,608,171	$3,652,174	$3,127,729	$2,672,355	$2,746,249	$1,369,007	$3,042,076	$9,809,059	$9,829,688	$8,064,777
Adjustments to reconcile net income to net cash from operating activities:	'	'	'	'	'	'	'	'	'	'	'
Net change in other assets and liabilities	'	'	'	'	'	'	'	'	5,089,942	-11,397	3,069,778
Net cash provided by (used in) operating activities	'	'	'	'	'	'	'	'	124,153,435	-45,347,555	183,890,009
CASH FLOWS FROM INVESTING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Net cash (used in) provided by investing activities	'	'	'	'	'	'	'	'	-17,717,219	23,181,282	9,664,896
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Purchase of equity trust shares from Treasury, net	'	'	'	'	'	'	'	'	566,527	339,517	446,684
Proceeds from stock options exercised	'	'	'	'	'	'	'	'	210,361	503,422	193,955
Commission on shares purchased for dividend reinvestment plan	'	'	'	'	'	'	'	'	-24,027	-22,013	-27,399
Repurchase of preferred shares, net	'	'	'	'	-6,600,000	'	'	'	-7,951,199	-6,608,067	'
Repurchase of common stock warrant	'	'	'	'	-1,100,000	'	'	'	'	-1,110,000	'
Dividends paid on common stock	'	'	'	'	'	'	'	'	-4,326,992	-4,301,725	-4,177,009
Dividends paid on preferred stock	'	'	'	'	'	'	'	'	-1,234,529	-1,626,900	-1,626,900
Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	'	'	'	'	'	'	'	'	-635,372	-485,704	-129,387
Net cash (used in) provided by financing activities	'	'	'	'	'	'	'	'	-82,462,560	27,430,189	-152,086,703
Net increase in cash and cash equivalents	'	'	'	'	'	'	'	'	23,973,656	5,263,916	41,468,202
Parent-company-only	'	'	'	'	'	'	'	'	'	'	'
CASH FLOWS FROM OPERATING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Net income	'	'	'	'	'	'	'	'	9,809,059	9,829,688	8,064,777
Adjustments to reconcile net income to net cash from operating activities:	'	'	'	'	'	'	'	'	'	'	'
Equity in earnings of Bank	'	'	'	'	'	'	'	'	-10,514,484	-9,910,238	-8,074,569
Net change in other assets and liabilities	'	'	'	'	'	'	'	'	95,332	-592,088	-319,761
Net cash provided by (used in) operating activities	'	'	'	'	'	'	'	'	-610,093	-672,638	-329,553
CASH FLOWS FROM INVESTING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Cash received for investment in joint venture	'	'	'	'	'	'	'	'	60,000	'	'
Dividends received from Bank	'	'	'	'	'	'	'	'	12,000,000	13,500,000	6,000,000
Decrease (increase) in intercompany loan	'	'	'	'	'	'	'	'	850,000	-1,010,000	-1,450,000
Net cash (used in) provided by investing activities	'	'	'	'	'	'	'	'	12,910,000	12,490,000	4,550,000
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'	'	'	'	'	'	'	'	'	'
Purchase of equity trust shares from Treasury, net	'	'	'	'	'	'	'	'	566,527	339,517	446,684
Proceeds from stock options exercised	'	'	'	'	'	'	'	'	210,361	503,422	193,955
Proceeds received from Bank for stock-based compensation	'	'	'	'	'	'	'	'	1,424,085	1,357,604	1,009,710
Commission on shares purchased for dividend reinvestment plan	'	'	'	'	'	'	'	'	-24,027	-22,013	-27,399
Repurchase of preferred shares, net	'	'	'	'	'	'	'	'	-7,951,199	-6,608,067	'
Repurchase of common stock warrant	'	'	'	'	'	'	'	'	'	-1,110,000	'
Dividends paid on common stock	'	'	'	'	'	'	'	'	-4,326,992	-4,301,725	-4,177,009
Dividends paid on preferred stock	'	'	'	'	'	'	'	'	-1,234,529	-1,626,900	-1,626,900
Common stock issued under employee compensation plan	'	'	'	'	'	'	'	'	99,997	100,000	99,998
Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	'	'	'	'	'	'	'	'	-635,372	-485,704	-129,387
Net cash (used in) provided by financing activities	'	'	'	'	'	'	'	'	-11,871,149	-11,853,866	-4,210,348
Net increase in cash and cash equivalents	'	'	'	'	'	'	'	'	428,758	-36,504	10,099
Cash and cash equivalents at beginning of year	'	'	'	82,678	'	'	'	119,182	82,678	119,182	109,083
Cash and cash equivalents at end of year	$511,436	'	'	'	$82,678	'	'	'	$511,436	$82,678	$119,182

SUBSEQUENT_EVENT_Details

SUBSEQUENT EVENT (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
SUBSEQUENT EVENT	'	'	'	'
Outstanding loan balance of customer by which fraud perpetrated	'	$988,668,268	$975,727,642	'
Loans charged off of customer by which fraud perpetrated	5,900,000	15,685,376	23,652,245	16,467,991
Commercial loans	'	'	'	'
SUBSEQUENT EVENT	'	'	'	'
Loans charged off of customer by which fraud perpetrated	'	8,179,343	6,677,515	6,751,577
Commercial loans | Customer	'	'	'	'
SUBSEQUENT EVENT	'	'	'	'
Outstanding loan balance of customer by which fraud perpetrated	'	7,000,000	'	'
Amount of loans collateral with bank's possession	'	631,000	'	'
Subsequent event | Commercial loans | Customer	'	'	'	'
SUBSEQUENT EVENT	'	'	'	'
Number of customers by which an elaborate fraud perpetrated against bank is uncovered	'	1	'	'
Loans charged off of customer by which fraud perpetrated	'	$6,400,000	'	'