Pulaski Financial (PULB) 10-Q 9 May 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Mar. 31, 2014	8-May-14
Document and Entity Information	'	'
Entity Registrant Name	'PULASKI FINANCIAL CORP	'
Entity Central Index Key	'0001062438	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--09-30	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	11,399,074
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q2	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2014	Sep. 30, 2013
ASSETS	'	'
Cash and amounts due from depository institutions	$17,100,114	$16,829,435
Federal funds sold and overnight interest-bearing deposits	108,421,729	69,479,143
Total cash and cash equivalents	125,521,843	86,308,578
Debt and mortgage-backed securities available for sale, at fair value	10,064,981	38,916,833
Debt and mortgage-backed securities held to maturity, at amortized cost (fair value of $48,758,137 and $4,537,359 at March 31, 2014 and September 30, 2013, respectively)	48,643,735	4,294,096
Capital stock of Federal Home Loan Bank, at cost	6,231,800	4,777,400
Mortgage loans held for sale, at lower of cost or market	37,724,206	70,473,361
Loans receivable (net of allowance for loan losses of $16,829,103 and $18,306,114 at March 31, 2014 and September 30, 2013, respectively)	1,028,784,621	988,668,268
Real estate acquired in settlement of loans (net of allowance for losses of $1,402,941 and $1,837,800 at March 31, 2014 and September 30, 2013, respectively)	6,559,972	6,394,712
Premises and equipment, net	17,462,646	17,859,113
Goodwill	3,938,524	3,938,524
Accrued interest receivable	3,043,313	3,151,197
Bank-owned life insurance	33,203,182	32,747,251
Deferred tax assets	9,415,352	10,570,235
Prepaid expenses, accounts receivable and other assets	6,897,878	7,844,852
Total assets	1,337,492,053	1,275,944,420
LIABILITIES:	'	'
Deposits	1,031,965,154	1,010,811,599
Borrowed money	165,632,096	113,482,909
Subordinated debentures	19,589,000	19,589,000
Advance payments by borrowers for taxes and insurance	1,819,370	3,864,859
Accrued interest payable	401,808	469,909
Other liabilities	10,072,874	11,668,078
Total liabilities	1,229,480,302	1,159,886,354
STOCKHOLDERS' EQUITY :	'	'
Preferred stock - $0.01 par value per share, 1,000,000 shares authorized; 7,388 and 17,388 shares issued at March 31, 2014 and September 30, 2013, respectively; $1,000 per share liquidation value, net of discount	7,388,000	17,310,083
Common stock - $0.01 par value per share, 18,000,000 shares authorized; 13,082,271 shares issued at March 31, 2014 and September 30, 2013	130,823	130,823
Treasury stock - at cost (2,039,537 and 2,017,782 shares at March 31, 2014 and September 30, 2013, respectively)	-16,134,735	-15,851,041
Additional paid-in capital	58,590,889	58,402,572
Accumulated other comprehensive loss, net	-34,489	-25,540
Retained earnings	58,071,263	56,091,169
Total stockholders' equity	108,011,751	116,058,066
Total liabilities and stockholders' equity	$1,337,492,053	$1,275,944,420

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2014	Sep. 30, 2013
CONSOLIDATED BALANCE SHEETS	'	'
Mortgage-backed securities held to maturity, fair value (in dollars)	$48,758,137	$4,537,359
Loans receivable, allowance for loan losses (in dollars)	16,829,103	18,306,114
Real estate acquired in settlement of loans, allowance for losses (in dollars)	$1,402,941	$1,837,800
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	7,388	17,388
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	13,082,271
Treasury stock, shares	2,039,537	2,017,782

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
Interest and Dividend Income:	'	'	'	'
Loans receivable	$10,898,688	$11,644,480	$21,734,380	$23,583,029
Mortgage loans held for sale	364,561	1,413,160	931,612	2,981,774
Securities and other	111,396	118,616	206,734	224,243
Total interest and dividend income	11,374,645	13,176,256	22,872,726	26,789,046
Interest Expense:	'	'	'	'
Deposits	906,578	1,326,738	1,864,428	2,761,345
Borrowed money	284,180	235,367	523,492	474,377
Subordinated debentures	122,410	125,422	248,073	257,256
Total interest expense	1,313,168	1,687,527	2,635,993	3,492,978
Net interest income	10,061,477	11,488,729	20,236,733	23,296,068
Provision for loan losses	500,000	1,375,000	700,000	3,440,000
Net interest income after provision for loan losses	9,561,477	10,113,729	19,536,733	19,856,068
Non-Interest Income:	'	'	'	'
Mortgage revenues	506,464	3,148,369	1,539,849	6,136,143
Retail banking fees	987,875	993,711	2,033,795	2,147,192
Investment brokerage revenues	63,266	263,639	162,161	557,129
Bank-owned life insurance	230,453	221,436	455,932	453,304
Other	65,692	8,737	134,175	58,252
Total non-interest income	1,853,750	4,635,892	4,325,912	9,352,020
Non-Interest Expense:	'	'	'	'
Salaries and employee benefits	4,573,844	4,412,598	8,764,825	8,978,995
Occupancy, equipment and data processing expense	2,732,488	2,544,869	5,359,688	4,905,194
Advertising	126,428	111,406	305,797	230,600
Professional services	502,911	800,834	1,324,750	1,355,284
FDIC deposit insurance premium expense	263,493	276,078	524,459	710,170
Real estate foreclosure (recoveries) losses and expense, net	-412,176	239,874	-285,207	1,454,156
Postage, document delivery and office supplies expense	157,808	176,206	303,576	366,761
Other	292,836	543,852	640,136	962,750
Total non-interest expense	8,237,632	9,105,717	16,938,024	18,963,910
Income before income taxes	3,177,595	5,643,904	6,924,621	10,244,178
Income tax expense	1,074,428	1,991,730	2,318,638	3,464,275
Net income	2,103,167	3,652,174	4,605,983	6,779,903
Other comprehensive income:	'	'	'	'
Unrealized gain (loss) on debt and mortgage-backed securities available for sale	7,628	-35,652	-14,433	-30,789
Income tax (benefit) expense	-2,899	13,548	5,484	11,700
Net unrealized gain (loss)	4,729	-22,104	-8,949	-19,089
Comprehensive income	2,107,896	3,630,070	4,597,034	6,760,814
Income available to common shares	$1,914,984	$3,246,407	$4,122,533	$5,968,678
Per Common Share Amounts:	'	'	'	'
Basic earnings per common share (in dollars per share)	$0.17	$0.30	$0.38	$0.55
Weighted average common shares outstanding - basic (in shares)	10,969,484	10,916,522	10,959,019	10,865,523
Diluted earnings per common share (in dollars per share)	$0.17	$0.29	$0.36	$0.54
Weighted average common shares outstanding - diluted (in shares)	11,357,212	11,136,801	11,349,010	11,101,194

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 Loss

Retained Earnings

Equity Trust Plan

Stock options and awards, stock-based compensation plans

Equity Trust Plan

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

6,779,903

'

'

'

'

'

'

'

'

'

'

6,779,903

Other comprehensive loss

-19,089

'

'

'

'

'

'

'

'

'

-19,089

'

Common stock dividends ($0.19 per share and $0.19 per share for Six month ended March 31, 2014 and 2013)

-2,160,986

'

'

'

'

'

'

'

'

'

'

-2,160,986

Commission on shares purchased for dividend reinvestment plan

-11,710

'

'

'

'

'

'

-11,710

'

'

'

'

Preferred stock dividends

-635,450

'

'

'

'

'

'

'

'

'

'

-635,450

Accretion of discount on preferred stock

'

'

'

175,776

'

'

'

'

'

'

'

-175,776

Stock options exercised (8,400 shares)

63,958

'

'

'

'

29,568

'

34,390

'

'

'

'

Stock option and award expense

'

754,613

'

'

'

'

'

'

754,613

'

'

'

Common stock issued under employee compensation plans (34,345 shares and 4,493 shares for six month ended March 31, 2014 and 2013)

41,999

'

'

'

'

81,942

'

-39,943

'

'

'

'

Common stock surrendered to satisfy tax withholding obligations of stock-based compensation (12,648 shares and 20,498 shares for six month ended March 31, 2014 and 2013)

-397,865

'

'

'

'

-397,865

'

'

'

'

'

'

Distribution of equity trust shares, net (30,005 shares)

'

'

'

'

'

'

-265,379

'

'

-265,379

'

'

Equity trust expense, net of forfeitures

'

'

306,343

'

'

'

'

'

'

306,343

'

'

Tax cost from release of equity trust shares

12,045

'

'

'

'

'

'

12,045

'

'

'

'

BALANCE at Mar. 31, 2013

122,900,933

'

'

25,152,015

130,687

-15,960,354

'

57,639,834

'

'

2,386

55,936,365

BALANCE at Sep. 30, 2013

116,058,066

'

'

17,310,083

130,823

-15,851,041

'

58,402,572

'

'

-25,540

56,091,168

Increase (Decrease) in Stockholders' Equity

'

'

'

'

'

'

'

'

'

'

'

'

Net income

4,605,983

'

'

'

'

'

'

'

'

'

'

4,605,983

Other comprehensive loss

-8,949

'

'

'

'

'

'

'

'

'

-8,949

'

Common stock dividends ($0.19 per share and $0.19 per share for Six month ended March 31, 2014 and 2013)

-2,142,438

'

'

'

'

'

'

'

'

'

'

-2,142,438

Commission on shares purchased for dividend reinvestment plan

-10,320

'

'

'

'

'

'

-10,320

'

'

'

'

Preferred stock dividends

-405,533

'

'

'

'

'

'

'

'

'

'

-405,533

Accretion of discount on preferred stock

'

'

'

77,917

'

'

'

'

'

'

'

-77,917

Repurchase of preferred shares (10,000 shares)

-10,000,000

'

'

-10,000,000

'

'

'

'

'

'

'

'

Stock option and award expense

'

125,021

'

'

'

'

'

'

125,021

'

'

'

Common stock issued under employee compensation plans (34,345 shares and 4,493 shares for six month ended March 31, 2014 and 2013)

40,303

'

'

'

'

169,939

'

-129,636

'

'

'

'

Forfeiture of restricted common stock (43,452 shares)

'

'

'

'

'

-316,331

'

316,331

'

'

'

'

Common stock surrendered to satisfy tax withholding obligations of stock-based compensation (12,648 shares and 20,498 shares for six month ended March 31, 2014 and 2013)

-137,302

'

'

'

'

-137,302

'

'

'

'

'

'

Equity trust expense, net of forfeitures

'

'

-108,174

'

'

'

'

'

'

-108,174

'

'

Excess tax expense from stock-based compensation

-4,905

'

'

'

'

'

'

-4,905

'

'

'

'

BALANCE at Mar. 31, 2014

$108,011,751

'

'

$7,388,000

$130,823

($16,134,735)

'

$58,590,889

'

'

($34,489)

$58,071,263

CONSOLIDATED_STATEMENTS_OF_STO1

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY	'	'
Common stock dividends (in dollars per share)	$0.19	$0.19
Repurchase of preferred shares (in shares)	10,000	'
Stock options exercised (in shares)	'	8,400
Common stock issued under employee compensation plans from Treasury (in shares)	34,345	4,493
Restricted common stock forfeited (in shares)	43,452	'
Common stock surrendered to satisfy tax withholding obligations of stock-based compensation (in shares)	12,648	20,498
Equity Trust Plan	'	'
Statement	'	'
Distribution of equity trust shares, net (in shares)	'	30,005

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Cash Flows From Operating Activities:	'	'
Net income	$4,605,983	$6,779,903
Depreciation, amortization and accretion:	'	'
Premises and equipment	1,020,387	1,000,312
Net deferred loan costs	897,888	746,630
Debt and mortgage-backed securities premiums and discounts, net	73,475	206,689
Equity trust (benefit) expense	-108,174	306,343
Stock option and award expense	125,021	754,613
Provision for loan losses	700,000	3,440,000
(Recovery of) provision for losses on real estate acquired in settlement of loans	-279,359	1,203,626
Gains on sales of real estate acquired in settlement of loans	-51,754	-301,464
Originations of mortgage loans held for sale	-287,026,250	-690,305,100
Proceeds from sales of mortgage loans held for sale	317,689,849	723,548,814
Gain on sales of loans held for sale	-1,539,849	-6,290,814
Increase in cash value of bank-owned life insurance	-455,932	-453,304
Decrease in deferred tax asset	1,154,883	1,170,528
Common stock issued under employee compensation plan	40,303	41,999
Excess tax expense from stock-based compensation	4,905	'
Tax benefit for release of equity trust shares	'	-12,045
(Decrease) increase in accrued expenses	-1,133,260	129,871
Increase (decrease) in current income taxes payable	477,175	-1,934,998
Changes in other assets and liabilities	48,218	2,986,721
Net adjustments	31,637,526	36,238,421
Net cash provided by operating activities	36,243,509	43,018,324
Proceeds from:	'	'
Maturities of debt securities available for sale	51,255,000	37,900,000
Principal payments on mortgage-backed securities	779,715	427,479
Redemption of Federal Home Loan Bank stock	5,065,600	8,139,000
Sales of real estate acquired in settlement of loans receivable	1,453,114	9,187,377
Purchases of:	'	'
Debt securities available for sale	-22,496,540	-50,551,398
Debt securities held to maturity	-45,123,871	'
Federal Home Loan Bank stock	-6,520,000	-7,115,500
Premises and equipment	-623,920	-539,907
Net increase in loans receivable	-39,376,097	-27,186,465
Net cash used in investing activities	-55,586,999	-29,739,414
Cash Flows From Financing Activities:	'	'
Net increase in deposits	21,153,555	12,553,137
Net increase in overnight retail repurchase agreements	3,399,187	10,961,274
Proceeds from (repayment of) Federal Home Loan Bank advances, net	39,000,000	-23,000,000
Proceeds from term loan	10,000,000	'
Payment on term loan	-250,000	'
Net decrease in advance payments by borrowers for taxes and insurance	-2,045,489	-2,890,759
Proceeds from stock options exercised	'	63,958
Excess tax expense from stock-based compensation	-4,905	'
Tax expense for release of equity trust shares	'	12,045
Repurchase of preferred shares, net	-10,000,000	'
Dividends paid on common stock	-2,142,438	-2,160,986
Dividends paid on preferred stock	-405,533	-635,450
Commission on shares purchased for dividend reinvestment plan	-10,320	-11,710
Common stock surrendered to satisfy tax withholding obligations of stock-based compensation	-137,302	-397,865
Net cash provided by (used in) financing activities	58,556,755	-5,506,356
Net increase in cash and cash equivalents	39,213,265	7,772,554
Cash and cash equivalents at beginning of period	86,308,578	62,334,922
Cash and cash equivalents at end of period	125,521,843	70,107,476
Cash paid during the period for:	'	'
Interest on deposits	1,956,099	2,855,383
Interest on borrowed money	500,331	473,288
Interest on subordinated debentures	247,482	255,631
Cash paid during the period for interest	2,703,912	3,584,302
Income taxes, net	686,000	4,205,000
Noncash Investing Activities:	'	'
Real estate acquired in settlement of loans receivable	1,287,261	5,349,554
Loans to facilitate the sale of real estate acquired in settlement of loans receivable	'	$394,050

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION	'
BASIS OF PRESENTATION	'
	1.                      BASIS OF PRESENTATION
	The unaudited consolidated financial statements include the accounts of Pulaski Financial Corp. (the “Company”) and its wholly owned subsidiary, Pulaski Bank (the “Bank”), and the Bank’s wholly owned subsidiaries, Pulaski Service Corporation and Priority Property Holdings, LLC.  All significant intercompany accounts and transactions have been eliminated.  The assets of the Company consist primarily of the investment in the outstanding shares of the Bank and its liabilities consist principally of obligations on its subordinated debentures.  Accordingly, the information set forth in this report, including the consolidated financial statements and related financial data, relates primarily to the Bank.  The Company, through the Bank, operates as a single business segment, providing traditional community banking services through its full-service branch network and mortgage loan production offices.
	The accompanying unaudited consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X.  Accordingly, the unaudited consolidated financial statements do not contain all of the information and disclosures required by U.S. GAAP as applied to annual reports on Form 10-K.  Therefore, these unaudited consolidated financial statements should be read in conjunction with the Company’s audited consolidated financial statements for the year ended September 30, 2013 contained in the Company’s 2013 Annual Report to Stockholders, which was filed as an exhibit to the Company’s Annual Report on Form 10-K for the year ended September 30, 2013.
	In the opinion of management, the unaudited consolidated financial statements contain all adjustments (consisting of normal recurring accruals) necessary for a fair presentation of the financial condition of the Company as of March 31, 2014 and September 30, 2013 and its results of operations for the three- and six-month periods ended March 31, 2014 and 2013.  The results of operations for the three- and six-month periods ended March 31, 2014 are not necessarily indicative of the operating results that may be expected for the entire fiscal year or for any other period.
	The preparation of these consolidated financial statements 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 that affect the reported amounts of revenues and expenses during the reported 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 assets are significant estimates reported within the consolidated financial statements.
	Certain reclassifications have been made to the 2013 amounts to conform to the 2014 presentation.
	The Company has evaluated all subsequent events to ensure that the accompanying financial statements include the effects of any subsequent events that should be recognized in such financial statements as of March 31, 2014, and the appropriate disclosure of any subsequent events that were not recognized in the financial statements.

PREFERRED_STOCK

PREFERRED STOCK	6 Months Ended
	Mar. 31, 2014
PREFERRED STOCK	'
PREFERRED STOCK	'
	2.                      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 fair 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 was considered a discount on the Preferred Stock and was amortized using the level yield method over a five-year period ending December 31, 2013 through a charge to retained earnings.  Such amortization did not reduce net income, but reduced income available for common shares.
	The Preferred Stock paid cumulative dividends of 5% per year for the first five years and 9% per year subsequent to the first payment date after January 16, 2014.  Accordingly, the dividend rate increased to 9% on February 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 Department sold all of the Preferred Stock to private investors in a dutch auction that was completed in July 2012.  On several dates subsequent to the Treasury’s auction, the Company repurchased from private investors an aggregate of $15.2 million in liquidation value of the Preferred Stock in exchange for $14.6 million in cash and repurchased the Warrant from the Treasury in exchange for $1.1 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.
	In addition, on January 24, 2014, the Company repurchased from a private investor $10.0 million in liquidation value of the Preferred Stock using the proceeds from a term loan obtained from a commercial bank.  Following this repurchase, $7.3 million of the Preferred Stock remained outstanding.  Refer to Note 9, Borrowed Money, for a summary of the loan terms.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	6 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE	'
EARNINGS PER SHARE	'
	3.                      EARNINGS PER SHARE
	Basic earnings per share is computed using the weighted average number of common shares outstanding.  The effect of potential dilutive securities is included in diluted earnings per share.  The computations of basic and diluted earnings per share are presented in the following table.
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Net income	$	2,103,167		$	3,652,174		$	4,605,983		$	6,779,903
	Less:
	Preferred stock dividends	(188,183		)	(317,725		)	(405,533		)	(635,450		)
	Accretion of discount on preferred stock	—			(88,042		)	(77,917		)	(175,775		)
	Income available for common shares	$	1,914,984		$	3,246,407		$	4,122,533		$	5,968,678
	Weighted average common shares outstanding - basic	10,969,484			10,916,522			10,959,019			10,865,523
	Effect of dilutive securities:
	Treasury stock held in equity trust - unvested shares	208,109			179,027			210,952			194,740
	Equivalent shares - employee stock options and awards	179,619			41,252			179,039			40,931
	Weighted average common shares outstanding - diluted	11,357,212			11,136,801			11,349,010			11,101,194
	Earnings per share:
	Basic	$	0.17		$	0.3		$	0.38		$	0.55
	Diluted	$	0.17		$	0.29		$	0.36		$	0.54
	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.
	Options to purchase common shares totaling 397,215 and 436,311 were excluded from the computations of diluted earnings per share for the three months ended March 31, 2014 and 2013, respectively, and 403,465 and 457,811 for the six months ended March 31, 2014 and 2013, 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.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	6 Months Ended
	Mar. 31, 2014
STOCK-BASED COMPENSATION	'
STOCK-BASED COMPENSATION	'
	4.                      STOCK-BASED COMPENSATION
	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 the 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.  Restricted stock awards generally vest over a period of two to five years. 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 March 31, 2014, the Company had 576,911 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 six- month period ended March 31, 2014 is as follows:
				Weighted
				Average
		Number		Grant-Date
		Of Shares		Fair Value
	Nonvested at September 30, 2013	269,530		$	7.31
	Granted	30,596		10.23
	Vested	(39,184	)	7.57
	Forfeited	(43,452	)	7.28
	Nonvested at March 31, 2014	217,490		$	7.69
	Stock Option Awards - A summary of activity in the Company’s stock option program as of and for the six-month period ended March 31, 2014 is as follows:
				Weighted				Average
				Average		Aggregate		Remaining
		Number		Exercise		Intrinsic		Contractual
		Of Shares		Price		Value		Life (years)
	Outstanding at September 30, 2013	604,586		$	11.26
	Granted	—		—
	Exercised	—		—
	Expired	(1,875	)	13
	Forfeited	(19,751	)	12.75
	Outstanding at March 31, 2014	582,960		$	11.2	$	558,893	3.6
	Exercisable at March 31, 2014	570,594		$	11.27	$	530,613	3.5
	As of March 31, 2014, the total unrecognized compensation expense related to nonvested stock options and restricted stock awards was approximately $18,000 and $575,000, respectively, and the related weighted average periods over which it is expected to be recognized are approximately 1.5 and 2.2 years, respectively.
	There were no stock options granted during the six months ended March 31, 2014. The Company granted options to acquire 17,500 shares of its common stock during the six months ended March 31, 2013 at an average exercise price of $8.39.  The fair value of stock options granted during the six months ended March 31, 2013 was estimated on the dates 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.  Excess shares held by the trust were used to fund participant contributions during the six months ended March 31, 2014.  As a result, the plan purchased no shares on behalf of the participants during the six months ended March 31, 2014. The plan purchased 10,100 shares on behalf of the participants at an average price of $9.90 during the six months ended March 31, 2013.  There were no vested shares distributed to participants during the six months ended March 31, 2014.  There were 30,005 vested shares distributed to participants during the six months ended March 31, 2013 with an aggregate market value at the time of distribution of $297,000.  At March 31, 2014, 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 205,547 shares that were not yet vested.

INCOME_TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2014
INCOME TAXES	'
INCOME TAXES	'
	5.                      INCOME TAXES
	Deferred tax assets totaled $9.4 million and $10.6 million at March 31, 2014 and September 30, 2013, respectively, and resulted primarily from the temporary differences related to the allowance for loan losses.  Deferred tax assets are recognized only to the extent that they are expected to be used to reduce amounts that have been paid or will be paid to tax authorities.  Management believes, based on all positive and negative evidence, that the realization of the deferred tax assets at March 31, 2014 is more likely than not, and accordingly, no valuation allowance has been recorded.  The ultimate outcome of future facts and circumstances could require a valuation allowance and any charges to establish such valuation allowance could have a material adverse effect on the Company’s results of operations and financial position.
	At March 31, 2014, 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 March 31, 2014, 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.

DEBT_AND_MORTGAGEBACKED_SECURI

DEBT AND MORTGAGE-BACKED SECURITIES	6 Months Ended
	Mar. 31, 2014
DEBT AND MORTGAGE-BACKED SECURITIES	'
DEBT AND MORTGAGE-BACKED SECURITIES	'
	6.                      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 March 31, 2014 and September 30, 2013 are summarized as follows:
		March 31, 2014
					Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
		Cost			Gains			Losses			Value
	HELD TO MATURITY:
	Debt obligations of U.S. Treasury	$	5,009,985		$	953		$	—		$	5,010,938
	Debt obligations of government-sponsored entities	40,106,420			—			(23,604		)	40,082,816
	Mortgage-backed securities:
	Ginnie Mae	53,993			1,718			—			55,711
	Fannie Mae	3,469,406			135,299			—			3,604,705
	Total	48,639,804			137,970			(23,604		)	48,754,170
	Collateralized mortgage obligations:
	Freddie Mac	3,931			36			—			3,967
	Total held to maturity	$	48,643,735		$	138,006		$	(23,604	)	$	48,758,137
	Weighted average yield at end of period	0.4		%
	AVAILABLE FOR SALE:
	Debt obligations of government-sponsored entities	$	9,924,711		$	—		$	(60,412	)	$	9,864,299
	Mortgage-backed securities:
	Ginnie Mae	195,897			4,785			—			200,682
	Total available for sale	$	10,120,608		$	4,785		$	(60,412	)	$	10,064,981
	Weighted average yield at end of period	0.53		%
		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 period	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 period	0.32		%
	As of March 31, 2014, the Company had no mortgage-backed securities available for sale or held to maturity and no debt securities held to maturity that were in a continuous loss position for twelve months or more.  The following summary displays the length of time debt securities available for sale were in a continuous unrealized loss position as of March 31, 2014.  Based on the existing facts and circumstances, the Company determined that no other-than-temporary impairment exists.  In addition, the Company has no intent to sell any securities in unrealized loss positions prior to their recovery and it is not more-likely-than-not that the Company would be required to sell such securities.  Further, the Company believes the deterioration in value is attributable to changes in market interest rates and not the credit quality of the issuer.
		Length of Time in Continuous Unrealized Loss Position at March 31, 2014
		Less than 12 months						12 months or more						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
		Value			Losses			Value			Losses			Value			Losses
	Available for Sale:
	Debt obligations of government-sponsored entities	$	9,766,840		$	57,871		$	97,459		$	2,541		$	9,864,299		$	60,412
	Percent of total	99		%	95.8		%	1		%	4.2		%	100		%	100		%
	As of September 30, 2013, the Company had no debt or mortgage-backed securities held to maturity or available for sale that were in a continuous loss position for 12 months or more.
	Certain debt and mortgage-backed securities available for sale and held to maturity with aggregate carrying values totaling approximately $39.0 million and $42.7 million at March 31, 2014 and September 30, 2013, respectively, were pledged to secure deposits of public entities, trust funds, retail repurchase agreements and for other purposes as required by law.

LOANS_RECEIVABLE_AND_ALLOWANCE

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Mar. 31, 2014
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
	7.                      LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
	Loans receivable at March 31, 2014 and September 30, 2013 are summarized as follows:
		March 31,			September 30,
		2014			2013
	Single-family residential real estate:
	First mortgage	$	218,977,700		$	212,357,311
	Second mortgage	41,695,861			43,208,366
	Home equity lines of credit	101,276,197			110,905,455
	Total single-family residential real estate	361,949,758			366,471,132
	Commercial:
	Commercial and multi-family real estate	377,991,896			348,002,617
	Land acquisition and development	41,041,502			40,430,063
	Real estate construction and development	44,327,346			20,548,621
	Commercial and industrial	215,928,138			226,828,695
	Total commercial	679,288,882			635,809,996
	Consumer and installment	2,553,862			2,761,104
		1,043,792,502			1,005,042,232
	Add (less):
	Deferred loan costs	3,364,142			3,188,386
	Loans in process	(1,542,920		)	(1,256,236		)
	Allowance for loan losses	(16,829,103		)	(18,306,114		)
	Total	$	1,028,784,621		$	988,668,268
	Weighted average interest rate at end of period	4.32		%	4.45		%
	Ratio of allowance to total outstanding loans	1.61		%	1.82		%
	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 entire 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.
	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 adverse economic environment that existed over the past several years.  Since substantially all 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 March 31, 2014, 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 March 31, 2014 are scheduled to convert to a fully-amortizing basis:
		Principal Balance
		At March 31,
		2014
		(In thousands)
	Period ended March 31,
	2014	$	9,211
	2015	12,198
	2016	18,483
	2017	23,441
	2018	30,950
	2019	6,287
	Thereafter	706
	Total	$	101,276
	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 to fund 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 the 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, conversion of home equity lines of credit to a fully amortizing basis, 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 three and six months ended March 31, 2014 and 2013:
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Balance, beginning of period	$	17,669,567		$	17,956,832		$	18,306,114		$	17,116,595
	Provision charged to expense	500,000			1,375,000			700,000			3,440,000
	Charge-offs:
	Single-family residential real estate:
	First mortgage	257,631			366,231			974,756			1,602,051
	Second mortgage	172,698			516,860			368,873			867,706
	Home equity lines of credit	658,298			635,491			1,012,364			1,349,249
	Total single-family residential real estate	1,088,627			1,518,582			2,355,993			3,819,006
	Commercial loans:
	Commercial and multi-family real estate	—			41,600			—			564,315
Land acquisition and development	562,207			—			1,027,207			23,044
Real estate construction and development	—			—			—			259,743
Commercial and industrial	995			—			995			483,620
Total commercial	563,202			41,600			1,028,202			1,330,722
Consumer and installment	32,733			24,912			53,788			59,110
Total charge-offs	1,684,562			1,585,094			3,437,983			5,208,838
Recoveries:
Single-family residential real estate:
First mortgage	133,517			3,850			192,086			28,484
Second mortgage	10,836			74,844			58,010			109,182
Home equity lines of credit	70,828			71,262			230,030			157,138
Total single-family residential real estate	215,181			149,956			480,126			294,804
Commercial loans:
Commercial and multi-family real estate	106,909			67,177			292,845			1,108,769
Land acquisition and development	200			—			600			16,660
Real estate construction and development	—			627,592			60			1,797,077
Commercial and industrial	13,400			10,147			470,900			25,147
Total commercial	120,509			704,916			764,405			2,947,653
Consumer and installment	8,408			6,158			16,441			17,554
Total recoveries	344,098			861,030			1,260,972			3,260,011
Net charge-offs	1,340,464			724,064			2,177,011			1,948,827
Balance, end of period	$	16,829,103		$	18,607,768		$	16,829,103		$	18,607,768
The following table summarizes, by loan portfolio segment, the changes in the allowance for loan losses for the three and six months ended March 31, 2014 and 2013, respectively.
	Three Months Ended March 31, 2014
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of period	$	8,972,696		$	8,529,655		$	23,518		$	143,698		$	17,669,567
Provision charged (credited) to expense	182,929			267,288			19,555			30,228			500,000
Charge-offs	(1,088,627		)	(563,202		)	(32,733		)	—			(1,684,562		)
Recoveries	215,181			120,509			8,408			—			344,098
Balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
	Three Months Ended March 31, 2013
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of period	$	9,322,240		$	8,468,320		$	26,082		$	140,190		$	17,956,832
Provision charged (credited) to expense	1,467,043			(111,142		)	16,736			2,363			1,375,000
Charge-offs	(1,518,583		)	(41,601		)	(24,911		)	—			(1,585,095		)
Recoveries	149,955			704,916			6,160			—			861,031
Balance, end of period	$	9,420,655		$	9,020,493		$	24,067		$	142,553		$	18,607,768
	Six Months Ended March 31, 2014
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of period	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
Provision charged (credited) to expense	184,333			507,121			31,148			(22,602		)	700,000
Charge-offs	(2,355,993		)	(1,028,202		)	(53,788		)	—			(3,437,983		)
Recoveries	480,126			764,405			16,441			—			1,260,972
Balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
	Six Months Ended March 31, 2013
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Activity in allowance for loan losses:
Balance, beginning of period	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
Provision charged (credited) to expense	3,596,746			(229,741		)	37,351			35,644			3,440,000
Charge-offs	(3,819,006		)	(1,330,722		)	(59,110		)	—			(5,208,838		)
Recoveries	294,804			2,947,653			17,554			—			3,260,011
Balance, end of period	$	9,420,655		$	9,020,493		$	24,067		$	142,553		$	18,607,768
The following table summarizes the information regarding the balance in the allowance and the recorded investment in loans by impairment method as of March 31, 2014 and September 30, 2013, respectively.
	March 31, 2014
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Allowance balance at end of period based on:
Loans individually evaluated for impairment	$	1,384,163		$	448,222		$	—		$	—		$	1,832,385
Loans collectively evaluated for impairment	6,898,016			7,906,028			18,748			173,926			14,996,718
Loans acquired with deteriorated credit quality	—			—			—			—			—
Total balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
Recorded investment in loans receivable at end of period:
Total loans receivable	$	363,311,775		$	679,746,441		$	2,555,508					$	1,045,613,724
Loans receivable individually evaluated for impairment	18,613,761			11,660,038			113,799						30,387,598
Loans receivable collectively evaluated for impairment	344,698,014			668,086,403			2,441,709						1,015,226,126
Loans receivable acquired with deteriorated credit quality	—			—			—						—
	September 30, 2013
	Residential
	Real Estate			Commercial			Consumer			Unallocated			Total
Allowance balance at end of period 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 period	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
Recorded investment in loans receivable at end of period:
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	—			—			—						—
Impaired Loans
The following is a summary of the unpaid principal balance and recorded investment of impaired loans as of March 31, 2014 and September 30, 2013.  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”) Topic 310-20-30.
	March 31, 2014						September 30, 2013
	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	$	11,669,746		$	11,709,765		$	9,752,803		$	9,812,044
Troubled debt restructurings current under restructured terms	10,945,504			11,006,455			11,305,093			11,371,198
Troubled debt restructurings past due under restructured terms	7,627,650			7,671,378			6,549,904			6,584,907
Total non-performing loans	30,242,900			30,387,598			27,607,800			27,768,149
Troubled debt restructurings returned to accrual status	18,494,858			18,573,437			23,418,016			23,528,528
Total impaired loans	$	48,737,758		$	48,961,035		$	51,025,816		$	51,296,677
(1) All non-performing loans at March 31, 2014 and September 30, 2013 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 10, 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 March 31, 2014 and September 30, 2013 by the impairment method used.
	March 31,			September 30,
	2014			2013
	(In thousands)
Fair value of collateral method	$	36,691		$	39,691
Present value of cash flows method	12,047			11,335
Total impaired loans	$	48,738		$	51,026
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 and consumer 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 summaries 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 March 31, 2014 and September 30, 2013.  The recorded investments have been reduced by all partial charge-offs.
	March  31, 2014
	Loans with Partial Charges-off 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:
Single-family residential real estate:
First mortgage	$	5,231,062		$	2,015,402		$	3,215,660		$	17,941,674		$	21,157,334		$	21,302,943	$	—
Second mortgage	1,010,811			572,124			438,687			2,375,116			2,813,803			2,828,814		—
Home equity lines of credit	940,545			434,402			506,143			2,491,827			2,997,970			2,997,970		—
Total single-family residential real estate	7,182,418			3,021,928			4,160,490			22,808,617			26,969,107			27,129,727		—
Commercial:
Commercial and multi-family real estate	3,563,114			947,668			2,615,446			7,425,132			10,040,578			10,061,354		—
Land acquisition and development	4,011,041			1,042,085			2,968,956			—			2,968,956			2,969,961		—
Real estate construction and development	302,682			259,743			42,939			—			42,939			39,286		—
Commercial and industrial	1,864,780			1,434,034			430,746			2,058,105			2,488,851			2,498,986		—
Total commercial	9,741,617			3,683,530			6,058,087			9,483,237			15,541,324			15,569,587		—
Consumer and installment	114,897			93,842			21,055			140,830			161,885			162,419		—
Total	17,038,932			6,799,300			10,239,632			32,432,684			42,672,316			42,861,733		—
With an allowance recorded:
Single-family residential real estate:
First mortgage	44,559			4,667			39,892			3,479,630			3,519,522			3,548,857		770,069
Second mortgage	—			—			—			641,080			641,080			645,261		223,067
Home equity lines of credit	—			—			—			476,377			476,377			476,377		391,027
Total single-family residential real estate	44,559			4,667			39,892			4,597,087			4,636,979			4,670,495		1,384,163
Commercial:
Commercial and multi-family real estate	1,269,974			141,660			1,128,314			30,680			1,158,994			1,159,270		339,994
Commercial and industrial	—			—			—			269,469			269,469			269,537		108,228
Total commercial	1,269,974			141,660			1,128,314			300,149			1,428,463			1,428,807		448,222
Total	1,314,533			146,327			1,168,206			4,897,236			6,065,442			6,099,302		1,832,385
Total:
Single-family residential real estate:
First mortgage	5,275,621			2,020,069			3,255,552			21,421,304			24,676,856			24,851,800		770,069
Second mortgage	1,010,811			572,124			438,687			3,016,196			3,454,883			3,474,075		223,067
Home equity lines of credit	940,545			434,402			506,143			2,968,204			3,474,347			3,474,347		391,027
Total single-family residential real estate	7,226,977			3,026,595			4,200,382			27,405,704			31,606,086			31,800,222		1,384,163
Commercial:
Commercial and multi-family real estate	4,833,088			1,089,328			3,743,760			7,455,812			11,199,572			11,220,624		339,994
Land acquisition and development	4,011,041			1,042,085			2,968,956			—			2,968,956			2,969,961		—
Real estate construction and development	302,682			259,743			42,939			—			42,939			39,286		—
Commercial and industrial	1,864,780			1,434,034			430,746			2,327,574			2,758,320			2,768,523		108,228
Total commercial	11,011,591			3,825,190			7,186,401			9,783,386			16,969,787			16,998,394		448,222
Consumer and installment	114,897			93,842			21,055			140,830			161,885			162,419		—
Total	$	18,353,465		$	6,945,627		$	11,407,838		$	37,329,920		$	48,737,758		$	48,961,035	$	1,832,385
	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:
Single-family residential real estate:
First mortgage	$	4,817,704		$	1,892,403		$	2,925,301		$	22,621,982		$	25,547,283		$	25,712,587	$	—
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 single-family residential real estate	6,489,052			2,655,458			3,833,594			27,986,846			31,820,440			32,002,295		—
Commercial:
Commercial and multi-family real estate	3,827,364			1,159,528			2,667,836			7,628,698			10,296,534			10,343,639		—
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction and development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial and 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 installment	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:
Single-family residential real estate:
First mortgage	286,226			68,947			217,279			3,574,340			3,791,619			3,823,190		1,068,205
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 single-family residential real estate	564,889			103,611			461,278			4,427,072			4,888,350			4,921,606		1,852,701
Commercial:
Commercial and multi-family real estate	1,251,458			141,660			1,109,798			36,915			1,146,713			1,146,988		351,047
Land acquisition and development	—			—			—			—			—			—		—
Real estate construction and development	—			—			—			—			—			—		—
Commercial and 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 installment	—			—			—			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:
Single-family 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
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 single-family residential real estate	7,053,941			2,759,069			4,294,872			32,413,918			36,708,790			36,923,901		1,852,701
Commercial:
Commercial and multi-family real estate	5,078,822			1,301,188			3,777,634			7,665,613			11,443,247			11,490,627		351,047
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction and development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial and 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 installment	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
During the three months ended March 31, 2014 and 2013, charge-offs of non-performing and impaired loans totaled $1.7 million and $1.6 million, respectively, including partial charge-offs of $942,000 and $269,000, respectively.  During the six months ended March 31, 2014 and 2013, charge-offs of impaired loans totaled $3.4 million and $5.2 million, respectively, including partial charge-offs of $2.1 million and $2.7 million, respectively.  At March 31, 2014 and September 30, 2013, the remaining principal balance of non-performing and impaired loans for which the Company previously recorded partial charge-offs totaled $11.4 million and $9.0 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 three and six months ended March 31, 2014 and 2013.  The recorded investments have been reduced by all partial charge-offs.
	Three Months Ended												Six Months Ended
	March 31, 2014						March 31, 2013						March 31, 2014					March 31, 2013
	Average			Interest			Average			Interest			Average			Interest		Average		Interest
	Recorded			Income			Recorded			Income			Recorded			Income		Recorded		Income
	Investment			Recognized			Investment			Recognized			Investment			Recognized		Investment		Recognized
With no related allowance recorded:
Single-family residential real estate:
First mortgage	$	21,690,365		$	132,575		$	30,988,757		$	385,724		$	23,031,106		$	215,288	$	30,894,818	$	609,120
Second mortgage	2,973,580			22,891			3,522,749			53,832			3,033,865			41,591		3,628,529		81,642
Home equity lines of credit	3,045,133			4,544			4,130,603			18,012			3,075,180			30,335		3,899,141		18,012
Total single-family residential real estate	27,709,078			160,010			38,642,109			457,568			29,140,151			287,214		38,422,488		708,774
Commercial:
Commercial and multi-family real estate	10,113,876			79,967			12,845,241			—			10,190,464			146,853		13,941,202		96,378
Land acquisition and development	1,506,604			—			73,898			—			1,018,971			—		62,268		—
Real estate construction and development	34,819			—			62,700			—			36,026			—		171,389		—
Commercial and industrial	2,409,416			—			4,856,996			41,020			2,364,755			878		5,141,433		43,535
Total commercial	14,064,715			79,967			17,838,835			41,020			13,610,216			147,731		19,316,292		139,913
Consumer and installment	148,181			—			159,241			263			145,613			—		175,700		297
Total	41,921,974			239,977			56,640,185			498,851			42,895,980			434,945		57,914,480		848,984
With an allowance recorded:
Single-family residential real estate:
First mortgage	3,535,589			—			2,860,839			—			3,631,456			528		3,218,117		—
Second mortgage	629,240			—			175,771			—			549,004			—		248,508		—
Home equity lines of credit	411,245			—			188,089			—			510,791			—		236,271		—
Total single-family residential real estate	4,576,074			—			3,224,699			—			4,691,251			528		3,702,896		—
Commercial:
Commercial and multi-family real estate	1,165,979			—			605,747			—			1,159,648			—		403,831		—
Land acquisition and development	1,714,748			—			—			—			1,143,165			—		—		—
Real estate construction and development	4,044			—			—			—			2,696			—		—		—
Commercial and industrial	368,853			—			259,504			—			368,439			—		173,002		—
Total commercial	3,253,624			—			865,251			—			2,673,948			—		576,833		—
Consumer and installment	—			—			1,702			—			5,495			—		1,134		—
Total	7,829,698			—			4,091,652			—			7,370,694			528		4,280,863		—
Total:
Single-family residential real estate:
First mortgage	25,225,954			132,575			33,849,596			385,724			26,662,562			215,816		34,112,935		609,120
Second mortgage	3,602,820			22,891			3,698,520			53,832			3,582,869			41,591		3,877,037		81,642
Home equity lines of credit	3,456,378			4,544			4,318,692			18,012			3,585,971			30,335		4,135,412		18,012
Total single-family residential real estate	32,285,152			160,010			41,866,808			457,568			33,831,402			287,742		42,125,384		708,774
Commercial:
Commercial and multi-family real estate	11,279,855			79,967			13,450,988			—			11,350,112			146,853		14,345,033		96,378
Land acquisition and development	3,221,352			—			73,898			—			2,162,136			—		62,268		—
Real estate construction and development	38,863			—			62,700			—			38,722			—		171,389		—
Commercial and industrial	2,778,269			—			5,116,500			41,020			2,733,194			878		5,314,435		43,535
Total commercial	17,318,339			79,967			18,704,086			41,020			16,284,164			147,731		19,893,125		139,913
Consumer and installment	148,181			—			160,943			263			151,108			—		176,834		297
Total	49,751,672			239,977			60,731,837			498,851			50,266,674			435,473		62,195,343		848,984
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 March 31, 2014 and September 30, 2013.  The summary does not include $13.4 million of commercial loans at March 31, 2014 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.
	March 31, 2014
																		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
Single-family residential real estate:
First mortgage	$	2,718,499		$	598,330		$	3,012,963		$	6,329,792		$	213,407,316		$	219,737,108	$	—	$	13,885,361
Second mortgage	175,486			136,456			1,374,514			1,686,456			40,137,691			41,824,147		1,142,980		1,789,292
Home equity lines of credit	1,856,895			364,693			657,859			2,879,447			98,871,073			101,750,520		—		2,939,108
Total single-family residential real estate	4,750,880			1,099,479			5,045,336			10,895,695			352,416,080			363,311,775		1,142,980		18,613,761
Commercial:
Commercial and multi-family real estate	325,493			1,128,315			3,116,154			4,569,962			373,502,138			378,072,100		—		5,882,267
Land acquisition and development	40,956			—			2,927,999			2,968,955			38,136,501			41,105,456		—		2,969,962
Real estate construction and development	—			—			—			—			44,264,678			44,264,678		—		39,287
Commercial and industrial	—			—			769,093			769,093			215,535,114			216,304,207		—		2,768,522
Total commercial	366,449			1,128,315			6,813,246			8,308,010			671,438,431			679,746,441		—		11,660,038
Consumer and installment	348			89,686			34,836			124,870			2,430,638			2,555,508		—		113,799
Total	$	5,117,677		$	2,317,480		$	11,893,418		$	19,328,575		$	1,026,285,149		$	1,045,613,724	$	1,142,980	$	30,387,598
	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
Single-family 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
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 single-family 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:
Commercial and multi-family real estate	—			278,163			3,108,453			3,386,616			344,732,193			348,118,809		—		6,039,604
Land acquisition and development	—			—			4,278,495			4,278,495			36,234,753			40,513,248		4,278,495		43,706
Real estate construction and development	18,957			—			—			18,957			20,506,816			20,525,773		—		38,439
Commercial and 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 installment	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
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 that impact the valuation are changing.
The following is a summary of the recorded investment of loan risk ratings by class at March 31, 2014 and September 30, 2013:
	March 31, 2014
				Special
	Pass			Mention			Substandard			Doubtful			Loss
Single-family residential real estate:
First mortgage	$	204,492,750		$	133,122		$	9,538,398		$	5,572,838		$	—
Second mortgage	39,974,967			59,888			1,358,316			430,976			—
Home equity lines of credit	98,778,265			—			1,611,944			1,360,311			—
Total single-family residential real estate	343,245,982			193,010			12,508,658			7,364,125			—
Commercial:
Commercial and multi-family real estate	362,296,102			6,268,333			9,507,665			—			—
Land acquisition and development	25,423,986			6,782,371			8,899,099			—			—
Real estate construction and development	43,919,887			—			305,504			39,287			—
Commercial and industrial	211,044,967			2,403,510			2,855,730			—			—
Total commercial	642,684,942			15,454,214			21,567,998			39,287			—
Consumer and installment	2,441,709			—			—			113,799			—
Total	988,372,633			15,647,224			34,076,656			7,517,211			—
Less related specific allowance	—			—			(848,016		)	(984,369		)	—
Total net of allowance	$	988,372,633		$	15,647,224		$	33,228,640		$	6,532,842		$	—
	September 30, 2013
				Special
	Pass			Mention			Substandard			Doubtful			Loss
Single-family resdential real estate:
First mortgage	$	197,061,832		$	269,891		$	10,833,561		$	5,140,759		$	—
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 single-family residential real estate	347,322,986			319,722			13,305,988			7,124,512			—
Commercial:
Commercial and multi-family real estate	324,959,886			6,939,560			16,159,063			60,300			—
Land acquisition and development	27,675,231			6,954,392			5,883,625			—			—
Real estate construction and development	20,487,334			—			38,439			—			—
Commercial and 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 installment	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		$	—
Troubled Debt Restructurings
The following is a summary of the unpaid principal balance and recorded investment of troubled debt restructurings as of March 31, 2014 and September 30, 2013.  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.
	March 31, 2014						September 30, 2013
	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	$	10,945,504		$	11,006,455		$	11,305,093		$	11,371,198
Past due under restructured terms	7,627,650			7,671,378			6,549,904			6,584,907
Total non-performing	18,573,154			18,677,833			17,854,997			17,956,105
Returned to accrual status	18,494,858			18,573,437			23,418,016			23,528,528
Total troubled debt restructurings	$	37,068,012		$	37,251,270		$	41,273,013		$	41,484,633
(1) All non-performing loans at March 31, 2014 and September 30, 2013 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 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 three and six months ended March 31, 2014 and 2013, and loans that were restructured during the preceding twelve months and defaulted during the three and six months ended March 31, 2014 and 2013 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
							Twelve Months and
	Total Restructured During						Defaulted During
	Three Months Ended March 31,						Three Months Ended March 31,
	2014			2013			2014			2013
Residential mortgage loans	$	862,454		$	319,164		$	585,084		$	164,362
Commercial loans	488,186			2,076,780			—			—
Consumer loans	—			—			—			—
Total	$	1,350,640		$	2,395,944		$	585,084		$	164,362
							Restructured During Preceding
							Twelve Months and
	Total Restructured During						Defaulted During
	Six Months Ended March 31,						Six Months Ended March 31,
	2014			2013			2014			2013
Residential mortgage loans	$	1,997,959		$	942,711		$	881,422		$	2,270,873
Commercial loans	761,405			3,087,101			—			89,296
Consumer loans	—			1,341			—			—
Total	$	2,759,364		$	4,031,153		$	881,422		$	2,360,169
The amount of additional undisbursed funds that were committed to borrowers who were included in troubled debt restructured status at March 31, 2014 and September 30, 2013 was $2,000 and $175,000, 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 $1.2 million for the six months ended March 31, 2014 compared with $1.5 million for the six months ended March 31, 2013.  The actual amount of interest income recognized under the restructured terms totaled $497,000 for the six months ended March 31, 2014 compared with $543,000 for the six months ended March 31, 2013.  Provisions for losses related to restructured loans totaled $165,000 and $285,000 during the three and six months ended March 31, 2014 compared with $498,000 and $1.3 million during the same periods last year. Specific loan loss allowances related to troubled debt restructurings at March 31, 2014 and September 30, 2013 were $1.2 million and $1.3 million, respectively.

DEPOSITS

DEPOSITS	6 Months Ended
	Mar. 31, 2014
DEPOSITS	'
DEPOSITS	'
	8.                      DEPOSITS
	Deposits at March 31, 2014 and September 30, 2013 are summarized as follows:
		March 31, 2014				September 30, 2013
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	Demand deposits:
	Non-interest-bearing checking	$	182,788,343	—		$	168,031,839	—
	Interest-bearing checking	258,552,811		0.1	%	237,362,430		0.1	%
	Savings accounts	42,253,379		0.13	%	39,845,424		0.13	%
	Money market	211,045,313		0.29	%	206,926,830		0.26	%
	Total demand deposits	694,639,846		0.13	%	652,166,523		0.13	%
	Certificates of deposit:
	Traditional	289,586,697		0.72	%	313,216,661		0.84	%
	CDARS	47,738,611		0.25	%	45,428,415		0.28	%
	Total certificates of deposit	337,325,308		0.66	%	358,645,076		0.77	%
	Total deposits	$	1,031,965,154	0.3	%	$	1,010,811,599	0.35	%
	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 deposit obtained through national brokers at March 31, 2014 or September 30, 2013.

BORROWED_MONEY

BORROWED MONEY	6 Months Ended
	Mar. 31, 2014
BORROWED MONEY	'
BORROWED MONEY	'
	9.                      BORROWED MONEY
	Borrowed money at March 31, 2014 and September 30, 2013 is summarized as follows:
		March 31, 2014				September 30, 2013
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	FHLB advances maturing within the period ending September 30:
	2013	$	—	—		$	49,000,000	0.24	%
	2014	88,000,000		0.26	%	—		—
	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	117,000,000		0.96	%	78,000,000		1.3	%
	Retail repurchase agreements	38,882,096		0.1	%	35,482,909		0.1	%
	Term loan	9,750,000		2.66	%	—		—	%
	Total borrowed money	$	165,632,096	0.86	%	$	113,482,909	0.93	%
	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 between the Bank and its customers.  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 March 31, 2014 and September 30, 2013, the Bank had $39.0 million and $42.7 million, respectively, in U.S. Treasury, debt and mortgage-backed securities pledged to secure retail repurchase agreements.
	During January 2014, the Company entered into a loan agreement with a commercial bank for a $10.0 million term loan.  The proceeds of the term loan were used to finance the repurchase from a private investor of $10.0 million of outstanding shares of the Company’s Preferred Stock during January 2014.  The loan agreement also provides a $2.0 million revolving line of credit to the Company.  There was no balance outstanding under the revolving line of credit during the three months ended March 31, 2014.  The rate of interest on these borrowings equals the Daily LIBOR Rate plus 2.50%.  Payments under the term loan are made monthly and begin on March 31, 2014 and end on January 17, 2021.  Shares of the Bank held by the Company were pledged as collateral to secure the loans.
	The loan agreement requires the Company to adhere to certain convenants while the borrowings are outstanding, including that the Company will:  (1) require the Bank to maintain a minimum ratio of Tier 1 capital to risk-weighted assets of at least 8%; (2) maintain consolidated net income in an amount equal to or greater than the sum of (a) the total amount of principal installments required to be paid under the term loan plus (b) the total amount of cash distributions paid to its common shareholders; and (3) cause the Bank to maintain a ratio of adversely classified assets to Tier 1 capital plus loan loss reserves of not more than 50%.  Failure to comply with these covenants will result in any outstanding principal balances and all accrued and unpaid interest becoming immediately due and payable.
	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 $117.0 million in advances outstanding at March 31, 2014, the Bank had approximately $64.0 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 March 31, 2014, $159.3 million of commercial loans were assigned under this arrangement.  The assets underlying these borrowings are under the Bank’s physical control.  As of March 31, 2014, the Bank had no borrowings outstanding from the Federal Reserve and had approximately $127.5 million in additional borrowing capacity available to it under this arrangement.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Mar. 31, 2014
FAIR VALUE MEASUREMENTS	'
FAIR VALUE MEASUREMENTS	'
	10.               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 six months ended March 31, 2014 and 2013, charge-offs to the allowance for loan losses at the time of foreclosure totaled $360,000 and $327,000, respectively, which represented 22% and 6% of the principal balance of loans that became subject to foreclosure during such periods, respectively.
	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 year ended September 30, 2013 or the six months ended March 31, 2014.
	Assets and liabilities that were recorded at fair value on a recurring basis at March 31, 2014 and September 30, 2013 and the level of inputs used to determine their fair values are summarized below:
		Carrying Value at March 31, 2014
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	10,065	$	—	$	10,065	$	—
	Interest-rate swap	598		—		598		—
	Total assets	$	10,663	$	—	$	10,663	$	—
	Liabilities:
	Interest-rate swap	$	598	$	—	$	598	$	—
	Total liabilities	$	598	$	—	$	598	$	—
		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	$	—
	Assets that were recorded at fair value on a non-recurring basis at March 31, 2014 and September 30, 2013 and the level of inputs used to determine their fair values are summarized below:
										Total Losses (Gains)
										Recognized in
		Carrying Value at March 31, 2014								Six Months
				Fair Value Measurements Using						Ended March
		Total		Level 1		Level 2		Level 3		31, 2014
		(In thousands)
	Assets:
	Impaired loans, net	4,233		—		—		4,233		2,400
	Real estate acquired in settlement of loans	6,560		—		—		6,560		(185		)
	Total assets	$	10,793	$	—	$	—	$	10,793	$	2,215
										Total Losses
										Recognized in
		Carrying Value at September 30, 2013								Six Months
				Fair Value Measurements Using						Ended March
		Total		Level 1		Level 2		Level 3		31, 2013
		(In thousands)
	Assets:
	Impaired loans, net	$	4,014	$	—	$	—	$	4,014	$	5,054
	Real estate acquired in settlement of loans	6,395		—		—		6,395		1,667
	Total assets	$	10,409	$	—	$	—	$	10,409	$	6,721
	There were no transfers of assets or liabilities among the levels of inputs used to determine their fair values during the six months ended March 31, 2014 or 2013.

DISCLOSURES_ABOUT_FAIR_VALUE_O

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
	Mar. 31, 2014
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	'
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	'
	11.            DISCLOSURES ABOUT FAIR VALUE 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 9.  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 March 31, 2014 and September 30, 2013.  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 March 31, 2014 and September 30, 2013 are summarized as follows:
		Level in	March 31, 2014				September 30, 2013
		Fair Value			Estimated				Estimated
		Measurement	Carrying		Fair		Carrying		Fair
		Hierarchy	Value		Value		Value		Value
			(In thousands)
	ASSETS:
	Cash and cash equivalents	Level 1	$	125,522	$	125,522	$	86,309	$	86,309
	Debt and mortgage-backed securities - AFS	Level 2	10,065		10,065		38,917		38,917
	Capital stock of FHLB	Level 2	6,232		6,232		4,777		4,777
	Debt and mortgage-backed securities - HTM	Level 2	48,644		48,758		4,294		4,537
	Mortgage loans held for sale	Level 2	37,724		38,814		70,473		72,481
	Loans receivable	Level 3	1,028,785		1,037,458		988,668		1,001,898
	Accrued interest receivable	Level 1	3,043		3,043		3,151		3,151
	Interest-rate swap assets	Level 2	598		598		843		843
	LIABILITIES:
	Deposit transaction accounts	Level 2	694,640		694,640		652,167		652,167
	Certificates of deposit	Level 2	337,325		338,238		358,645		359,917
	Borrowed money	Level 2	165,632		167,190		113,483		115,254
	Subordinated debentures	Level 2	19,589		19,583		19,589		19,583
	Accrued interest payable	Level 2	402		402		470		470
	Interest-rate swap liabilities	Level 2	598		598		843		843
	In addition to the methods described in Note 9 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.
	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 12, Commitments and Contingencies.

LIABILITY_FOR_LOANS_SOLD

LIABILITY FOR LOANS SOLD	6 Months Ended
	Mar. 31, 2014
LIABILITY FOR LOANS SOLD	'
LIABILITY FOR LOANS SOLD	'
	12.               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 $147 million and $412 million at March 31, 2014 and September 30, 2013, 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 six months ended March 31, 2014 and 2013:
		2014			2013
	Received during period	$	2,752,000		$	4,148,000
	Resolved during period	3,183,000			5,648,000
	Unresolved at end of period	5,951,000			4,704,000
	The following is a summary of the changes in the liability for loans sold during the six months ended March 31, 2014 and 2013:
		2014			2013
	Balance at beginning of period	$	1,353,095		$	977,134
	Provisions charged to expense	147,793			501,208
	Amounts paid to resolve demands	(120,859		)	(88,743		)
	Balance at end of period	$	1,380,029		$	1,389,599
	The following summarizes the manner in which the Company resolved mortgage loan repurchase demands received from its investors during the six months ended March 31, 2014 and 2013:
		March 31, 2014						March 31, 2013
		Principal			Payments			Principal		Payments
		Balance of			Charged to			Balance of		Charged to
		Loans Involved			Liability for			Loans Involved		Liability for
		in Existing			Loans Sold			in Existing		Loans Sold
		Claims That						Claims That
		Were Resolved						Were Resolved
	Resolved by providing additional documentation with no further action required	$	2,458,000		$	—		$	4,207,000	$	—
	Resolved by repurchasing loans previously sold to investors	725,000			11,012			1,441,000		17,564
	Payments due upon early payoff of loans previously sold	—			109,847			—		71,179
	Total	$	3,183,000		$	120,859		$	5,648,000	$	88,743
	The liability for loans sold of $1.4 million at March 31, 2014 represents the Company’s best estimate of the probable losses 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.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Mar. 31, 2014
COMMITMENTS AND CONTINGENCIES	'
COMMITMENTS AND CONTINGENCIES	'
	13.               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 March 31, 2014 and September 30, 2013.
		March 31,		September 30,
		2014		2013
		(In thousands)
	Commitments to originate residential first and second mortgage loans	$	62,491	$	65,936
	Commitments to originate commercial mortgage loans	23,431		62,626
	Commitments to originate non-mortgage loans	23,251		15,778
	Unused lines of credit - residential	59,686		67,265
	Unused lines of credit - commercial	161,157		148,411
	Unused lines of credit - consumer	100		—
	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	6 Months Ended
	Mar. 31, 2014
DERIVATIVES	'
DERIVATIVES	'
	14.               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 March 31, 2014, the Company had issued $64.8 million of unexpired interest rate lock commitments to loan customers compared with $68.6 million of unexpired commitments at September 30, 2013.  The Company typically economically hedges interest rate lock commitments by obtaining a corresponding best-efforts lock commitments with an investor to sell the loans 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 March 31, 2014 and September 30, 2013 are summarized as follows:
		March 31,			September 30,
		2014			2013
	Fair value recorded in other assets	$	598,000		$	843,000
	Fair value recorded in other liabilities	598,000			843,000
	The gross gains and losses on these contracts recorded in non-interest expense in the consolidated statements of income and comprehensive income for the three- and six-months ended March 31, 2014 and 2013 are summarized as follows:
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Gross losses on derivative financial assets	$	116,000		$	131,000		$	245,000		$	264,000
	Gross gains on derivative financial liabilities	(116,000		)	(131,000		)	(245,000		)	(264,000		)
	Net gain or loss	$	—		$	—		$	—		$	—
	At March 31, 2014 and September 30, 2013, the Bank had $1.8 million and $1.8 million, respectively, in cash pledged to secure its obligation under these contracts.

GOODWILL

GOODWILL	6 Months Ended
	Mar. 31, 2014
GOODWILL	'
GOODWILL	'
	15.             GOODWILL
	Goodwill totaled $3.9 million at March 31, 2014 and September 30, 2013.  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 the six months ended March 31, 2014 or the year ended September 30, 2013.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	6 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE	'
Schedule of computations of basic and diluted earnings per share	'
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Net income	$	2,103,167		$	3,652,174		$	4,605,983		$	6,779,903
	Less:
	Preferred stock dividends	(188,183		)	(317,725		)	(405,533		)	(635,450		)
	Accretion of discount on preferred stock	—			(88,042		)	(77,917		)	(175,775		)
	Income available for common shares	$	1,914,984		$	3,246,407		$	4,122,533		$	5,968,678
	Weighted average common shares outstanding - basic	10,969,484			10,916,522			10,959,019			10,865,523
	Effect of dilutive securities:
	Treasury stock held in equity trust - unvested shares	208,109			179,027			210,952			194,740
	Equivalent shares - employee stock options and awards	179,619			41,252			179,039			40,931
	Weighted average common shares outstanding - diluted	11,357,212			11,136,801			11,349,010			11,101,194
	Earnings per share:
	Basic	$	0.17		$	0.3		$	0.38		$	0.55
	Diluted	$	0.17		$	0.29		$	0.36		$	0.54

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	6 Months Ended
	Mar. 31, 2014
STOCK-BASED COMPENSATION	'
Summary of activity in the Company's restricted stock awards	'
				Weighted
				Average
		Number		Grant-Date
		Of Shares		Fair Value
	Nonvested at September 30, 2013	269,530		$	7.31
	Granted	30,596		10.23
	Vested	(39,184	)	7.57
	Forfeited	(43,452	)	7.28
	Nonvested at March 31, 2014	217,490		$	7.69
Summary of activity in the Company's stock option program	'
				Weighted				Average
				Average		Aggregate		Remaining
		Number		Exercise		Intrinsic		Contractual
		Of Shares		Price		Value		Life (years)
	Outstanding at September 30, 2013	604,586		$	11.26
	Granted	—		—
	Exercised	—		—
	Expired	(1,875	)	13
	Forfeited	(19,751	)	12.75
	Outstanding at March 31, 2014	582,960		$	11.2	$	558,893	3.6
	Exercisable at March 31, 2014	570,594		$	11.27	$	530,613	3.5
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	%

DEBT_AND_MORTGAGEBACKED_SECURI1

DEBT AND MORTGAGE-BACKED SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2014
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	'
		March 31, 2014
					Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
		Cost			Gains			Losses			Value
	HELD TO MATURITY:
	Debt obligations of U.S. Treasury	$	5,009,985		$	953		$	—		$	5,010,938
	Debt obligations of government-sponsored entities	40,106,420			—			(23,604		)	40,082,816
	Mortgage-backed securities:
	Ginnie Mae	53,993			1,718			—			55,711
	Fannie Mae	3,469,406			135,299			—			3,604,705
	Total	48,639,804			137,970			(23,604		)	48,754,170
	Collateralized mortgage obligations:
	Freddie Mac	3,931			36			—			3,967
	Total held to maturity	$	48,643,735		$	138,006		$	(23,604	)	$	48,758,137
	Weighted average yield at end of period	0.4		%
	AVAILABLE FOR SALE:
	Debt obligations of government-sponsored entities	$	9,924,711		$	—		$	(60,412	)	$	9,864,299
	Mortgage-backed securities:
	Ginnie Mae	195,897			4,785			—			200,682
	Total available for sale	$	10,120,608		$	4,785		$	(60,412	)	$	10,064,981
	Weighted average yield at end of period	0.53		%
		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 period	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 period	0.32		%
Summary displaying the length of time debt securities available for sale were in a continuous unrealized loss position	'
		Length of Time in Continuous Unrealized Loss Position at March 31, 2014
		Less than 12 months						12 months or more						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
		Value			Losses			Value			Losses			Value			Losses
	Available for Sale:
	Debt obligations of government-sponsored entities	$	9,766,840		$	57,871		$	97,459		$	2,541		$	9,864,299		$	60,412
	Percent of total	99		%	95.8		%	1		%	4.2		%	100		%	100		%

LOANS_RECEIVABLE_AND_ALLOWANCE1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Mar. 31, 2014
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
Summary of loans receivable	'
		March 31,			September 30,
		2014			2013
	Single-family residential real estate:
	First mortgage	$	218,977,700		$	212,357,311
	Second mortgage	41,695,861			43,208,366
	Home equity lines of credit	101,276,197			110,905,455
	Total single-family residential real estate	361,949,758			366,471,132
	Commercial:
	Commercial and multi-family real estate	377,991,896			348,002,617
	Land acquisition and development	41,041,502			40,430,063
	Real estate construction and development	44,327,346			20,548,621
	Commercial and industrial	215,928,138			226,828,695
	Total commercial	679,288,882			635,809,996
	Consumer and installment	2,553,862			2,761,104
		1,043,792,502			1,005,042,232
	Add (less):
	Deferred loan costs	3,364,142			3,188,386
	Loans in process	(1,542,920		)	(1,256,236		)
	Allowance for loan losses	(16,829,103		)	(18,306,114		)
	Total	$	1,028,784,621		$	988,668,268
	Weighted average interest rate at end of period	4.32		%	4.45		%
	Ratio of allowance to total outstanding loans	1.61		%	1.82		%
Summary of home equity lines of credit scheduled to convert to a fully-amortizing basis	'
		Principal Balance
		At March 31,
		2014
		(In thousands)
	Period ended March 31,
	2014	$	9,211
	2015	12,198
	2016	18,483
	2017	23,441
	2018	30,950
	2019	6,287
	Thereafter	706
	Total	$	101,276
Summary of the activity in the allowance for loan losses	'
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Balance, beginning of period	$	17,669,567		$	17,956,832		$	18,306,114		$	17,116,595
	Provision charged to expense	500,000			1,375,000			700,000			3,440,000
	Charge-offs:
	Single-family residential real estate:
	First mortgage	257,631			366,231			974,756			1,602,051
	Second mortgage	172,698			516,860			368,873			867,706
	Home equity lines of credit	658,298			635,491			1,012,364			1,349,249
	Total single-family residential real estate	1,088,627			1,518,582			2,355,993			3,819,006
	Commercial loans:
	Commercial and multi-family real estate	—			41,600			—			564,315
	Land acquisition and development	562,207			—			1,027,207			23,044
	Real estate construction and development	—			—			—			259,743
	Commercial and industrial	995			—			995			483,620
	Total commercial	563,202			41,600			1,028,202			1,330,722
	Consumer and installment	32,733			24,912			53,788			59,110
	Total charge-offs	1,684,562			1,585,094			3,437,983			5,208,838
	Recoveries:
	Single-family residential real estate:
	First mortgage	133,517			3,850			192,086			28,484
	Second mortgage	10,836			74,844			58,010			109,182
	Home equity lines of credit	70,828			71,262			230,030			157,138
	Total single-family residential real estate	215,181			149,956			480,126			294,804
	Commercial loans:
	Commercial and multi-family real estate	106,909			67,177			292,845			1,108,769
	Land acquisition and development	200			—			600			16,660
	Real estate construction and development	—			627,592			60			1,797,077
	Commercial and industrial	13,400			10,147			470,900			25,147
	Total commercial	120,509			704,916			764,405			2,947,653
	Consumer and installment	8,408			6,158			16,441			17,554
	Total recoveries	344,098			861,030			1,260,972			3,260,011
	Net charge-offs	1,340,464			724,064			2,177,011			1,948,827
	Balance, end of period	$	16,829,103		$	18,607,768		$	16,829,103		$	18,607,768
Summary of the changes in the allowance for loan losses, by loan portfolio segment	'
		Three Months Ended March 31, 2014
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of period	$	8,972,696		$	8,529,655		$	23,518		$	143,698		$	17,669,567
	Provision charged (credited) to expense	182,929			267,288			19,555			30,228			500,000
	Charge-offs	(1,088,627		)	(563,202		)	(32,733		)	—			(1,684,562		)
	Recoveries	215,181			120,509			8,408			—			344,098
	Balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
		Three Months Ended March 31, 2013
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of period	$	9,322,240		$	8,468,320		$	26,082		$	140,190		$	17,956,832
	Provision charged (credited) to expense	1,467,043			(111,142		)	16,736			2,363			1,375,000
	Charge-offs	(1,518,583		)	(41,601		)	(24,911		)	—			(1,585,095		)
	Recoveries	149,955			704,916			6,160			—			861,031
	Balance, end of period	$	9,420,655		$	9,020,493		$	24,067		$	142,553		$	18,607,768
		Six Months Ended March 31, 2014
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of period	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
	Provision charged (credited) to expense	184,333			507,121			31,148			(22,602		)	700,000
	Charge-offs	(2,355,993		)	(1,028,202		)	(53,788		)	—			(3,437,983		)
	Recoveries	480,126			764,405			16,441			—			1,260,972
	Balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
		Six Months Ended March 31, 2013
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Activity in allowance for loan losses:
	Balance, beginning of period	$	9,348,111		$	7,633,303		$	28,272		$	106,909		$	17,116,595
	Provision charged (credited) to expense	3,596,746			(229,741		)	37,351			35,644			3,440,000
	Charge-offs	(3,819,006		)	(1,330,722		)	(59,110		)	—			(5,208,838		)
	Recoveries	294,804			2,947,653			17,554			—			3,260,011
	Balance, end of period	$	9,420,655		$	9,020,493		$	24,067		$	142,553		$	18,607,768
Summary of information regarding the balance in the allowance and the recorded investment in loans by impairment method	'
		March 31, 2014
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Allowance balance at end of period based on:
	Loans individually evaluated for impairment	$	1,384,163		$	448,222		$	—		$	—		$	1,832,385
	Loans collectively evaluated for impairment	6,898,016			7,906,028			18,748			173,926			14,996,718
	Loans acquired with deteriorated credit quality	—			—			—			—			—
	Total balance, end of period	$	8,282,179		$	8,354,250		$	18,748		$	173,926		$	16,829,103
	Recorded investment in loans receivable at end of period:
	Total loans receivable	$	363,311,775		$	679,746,441		$	2,555,508					$	1,045,613,724
	Loans receivable individually evaluated for impairment	18,613,761			11,660,038			113,799						30,387,598
	Loans receivable collectively evaluated for impairment	344,698,014			668,086,403			2,441,709						1,015,226,126
	Loans receivable acquired with deteriorated credit quality	—			—			—						—
		September 30, 2013
		Residential
		Real Estate			Commercial			Consumer			Unallocated			Total
	Allowance balance at end of period 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 period	$	9,973,713		$	8,110,926		$	24,947		$	196,528		$	18,306,114
	Recorded investment in loans receivable at end of period:
	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	—			—			—						—
Summary of the unpaid principal balance and recorded investment of impaired loans	'
		March 31, 2014						September 30, 2013
		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	$	11,669,746		$	11,709,765		$	9,752,803		$	9,812,044
	Troubled debt restructurings current under restructured terms	10,945,504			11,006,455			11,305,093			11,371,198
	Troubled debt restructurings past due under restructured terms	7,627,650			7,671,378			6,549,904			6,584,907
	Total non-performing loans	30,242,900			30,387,598			27,607,800			27,768,149
	Troubled debt restructurings returned to accrual status	18,494,858			18,573,437			23,418,016			23,528,528
	Total impaired loans	$	48,737,758		$	48,961,035		$	51,025,816		$	51,296,677
	(1) All non-performing loans at March 31, 2014 and September 30, 2013 were classified as non-accrual.
Summary of the principal balance, net of amounts charged off, of impaired loans by the impairment method used	'
		March 31,			September 30,
		2014			2013
		(In thousands)
	Fair value of collateral method	$	36,691		$	39,691
	Present value of cash flows method	12,047			11,335
	Total impaired loans	$	48,738		$	51,026
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	'
		March  31, 2014
		Loans with Partial Charges-off 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:
	Single-family residential real estate:
	First mortgage	$	5,231,062		$	2,015,402		$	3,215,660		$	17,941,674		$	21,157,334		$	21,302,943	$	—
	Second mortgage	1,010,811			572,124			438,687			2,375,116			2,813,803			2,828,814		—
	Home equity lines of credit	940,545			434,402			506,143			2,491,827			2,997,970			2,997,970		—
	Total single-family residential real estate	7,182,418			3,021,928			4,160,490			22,808,617			26,969,107			27,129,727		—
	Commercial:
	Commercial and multi-family real estate	3,563,114			947,668			2,615,446			7,425,132			10,040,578			10,061,354		—
	Land acquisition and development	4,011,041			1,042,085			2,968,956			—			2,968,956			2,969,961		—
	Real estate construction and development	302,682			259,743			42,939			—			42,939			39,286		—
	Commercial and industrial	1,864,780			1,434,034			430,746			2,058,105			2,488,851			2,498,986		—
	Total commercial	9,741,617			3,683,530			6,058,087			9,483,237			15,541,324			15,569,587		—
	Consumer and installment	114,897			93,842			21,055			140,830			161,885			162,419		—
	Total	17,038,932			6,799,300			10,239,632			32,432,684			42,672,316			42,861,733		—
	With an allowance recorded:
	Single-family residential real estate:
	First mortgage	44,559			4,667			39,892			3,479,630			3,519,522			3,548,857		770,069
	Second mortgage	—			—			—			641,080			641,080			645,261		223,067
	Home equity lines of credit	—			—			—			476,377			476,377			476,377		391,027
	Total single-family residential real estate	44,559			4,667			39,892			4,597,087			4,636,979			4,670,495		1,384,163
	Commercial:
	Commercial and multi-family real estate	1,269,974			141,660			1,128,314			30,680			1,158,994			1,159,270		339,994
	Commercial and industrial	—			—			—			269,469			269,469			269,537		108,228
	Total commercial	1,269,974			141,660			1,128,314			300,149			1,428,463			1,428,807		448,222
	Total	1,314,533			146,327			1,168,206			4,897,236			6,065,442			6,099,302		1,832,385
	Total:
	Single-family residential real estate:
	First mortgage	5,275,621			2,020,069			3,255,552			21,421,304			24,676,856			24,851,800		770,069
	Second mortgage	1,010,811			572,124			438,687			3,016,196			3,454,883			3,474,075		223,067
	Home equity lines of credit	940,545			434,402			506,143			2,968,204			3,474,347			3,474,347		391,027
	Total single-family residential real estate	7,226,977			3,026,595			4,200,382			27,405,704			31,606,086			31,800,222		1,384,163
	Commercial:
	Commercial and multi-family real estate	4,833,088			1,089,328			3,743,760			7,455,812			11,199,572			11,220,624		339,994
	Land acquisition and development	4,011,041			1,042,085			2,968,956			—			2,968,956			2,969,961		—
	Real estate construction and development	302,682			259,743			42,939			—			42,939			39,286		—
	Commercial and industrial	1,864,780			1,434,034			430,746			2,327,574			2,758,320			2,768,523		108,228
	Total commercial	11,011,591			3,825,190			7,186,401			9,783,386			16,969,787			16,998,394		448,222
	Consumer and installment	114,897			93,842			21,055			140,830			161,885			162,419		—
	Total	$	18,353,465		$	6,945,627		$	11,407,838		$	37,329,920		$	48,737,758		$	48,961,035	$	1,832,385
		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:
	Single-family residential real estate:
	First mortgage	$	4,817,704		$	1,892,403		$	2,925,301		$	22,621,982		$	25,547,283		$	25,712,587	$	—
	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 single-family residential real estate	6,489,052			2,655,458			3,833,594			27,986,846			31,820,440			32,002,295		—
	Commercial:
	Commercial and multi-family real estate	3,827,364			1,159,528			2,667,836			7,628,698			10,296,534			10,343,639		—
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction and development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial and 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 installment	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:
Single-family residential real estate:
First mortgage	286,226			68,947			217,279			3,574,340			3,791,619			3,823,190		1,068,205
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 single-family residential real estate	564,889			103,611			461,278			4,427,072			4,888,350			4,921,606		1,852,701
Commercial:
Commercial and multi-family real estate	1,251,458			141,660			1,109,798			36,915			1,146,713			1,146,988		351,047
Land acquisition and development	—			—			—			—			—			—		—
Real estate construction and development	—			—			—			—			—			—		—
Commercial and 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 installment	—			—			—			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:
Single-family 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
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 single-family residential real estate	7,053,941			2,759,069			4,294,872			32,413,918			36,708,790			36,923,901		1,852,701
Commercial:
Commercial and multi-family real estate	5,078,822			1,301,188			3,777,634			7,665,613			11,443,247			11,490,627		351,047
Land acquisition and development	57,523			14,879			42,644			—			42,644			43,706		—
Real estate construction and development	301,834			259,743			42,091			—			42,091			38,439		—
Commercial and 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 installment	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
	Three Months Ended												Six Months Ended
	March 31, 2014						March 31, 2013						March 31, 2014					March 31, 2013
	Average			Interest			Average			Interest			Average			Interest		Average		Interest
	Recorded			Income			Recorded			Income			Recorded			Income		Recorded		Income
	Investment			Recognized			Investment			Recognized			Investment			Recognized		Investment		Recognized
With no related allowance recorded:
Single-family residential real estate:
First mortgage	$	21,690,365		$	132,575		$	30,988,757		$	385,724		$	23,031,106		$	215,288	$	30,894,818	$	609,120
Second mortgage	2,973,580			22,891			3,522,749			53,832			3,033,865			41,591		3,628,529		81,642
Home equity lines of credit	3,045,133			4,544			4,130,603			18,012			3,075,180			30,335		3,899,141		18,012
Total single-family residential real estate	27,709,078			160,010			38,642,109			457,568			29,140,151			287,214		38,422,488		708,774
Commercial:
Commercial and multi-family real estate	10,113,876			79,967			12,845,241			—			10,190,464			146,853		13,941,202		96,378
Land acquisition and development	1,506,604			—			73,898			—			1,018,971			—		62,268		—
Real estate construction and development	34,819			—			62,700			—			36,026			—		171,389		—
Commercial and industrial	2,409,416			—			4,856,996			41,020			2,364,755			878		5,141,433		43,535
Total commercial	14,064,715			79,967			17,838,835			41,020			13,610,216			147,731		19,316,292		139,913
Consumer and installment	148,181			—			159,241			263			145,613			—		175,700		297
Total	41,921,974			239,977			56,640,185			498,851			42,895,980			434,945		57,914,480		848,984
With an allowance recorded:
Single-family residential real estate:
First mortgage	3,535,589			—			2,860,839			—			3,631,456			528		3,218,117		—
Second mortgage	629,240			—			175,771			—			549,004			—		248,508		—
Home equity lines of credit	411,245			—			188,089			—			510,791			—		236,271		—
Total single-family residential real estate	4,576,074			—			3,224,699			—			4,691,251			528		3,702,896		—
Commercial:
Commercial and multi-family real estate	1,165,979			—			605,747			—			1,159,648			—		403,831		—
Land acquisition and development	1,714,748			—			—			—			1,143,165			—		—		—
Real estate construction and development	4,044			—			—			—			2,696			—		—		—
Commercial and industrial	368,853			—			259,504			—			368,439			—		173,002		—
Total commercial	3,253,624			—			865,251			—			2,673,948			—		576,833		—
Consumer and installment	—			—			1,702			—			5,495			—		1,134		—
Total	7,829,698			—			4,091,652			—			7,370,694			528		4,280,863		—
Total:
Single-family residential real estate:
First mortgage	25,225,954			132,575			33,849,596			385,724			26,662,562			215,816		34,112,935		609,120
Second mortgage	3,602,820			22,891			3,698,520			53,832			3,582,869			41,591		3,877,037		81,642
Home equity lines of credit	3,456,378			4,544			4,318,692			18,012			3,585,971			30,335		4,135,412		18,012
Total single-family residential real estate	32,285,152			160,010			41,866,808			457,568			33,831,402			287,742		42,125,384		708,774
Commercial:
Commercial and multi-family real estate	11,279,855			79,967			13,450,988			—			11,350,112			146,853		14,345,033		96,378
Land acquisition and development	3,221,352			—			73,898			—			2,162,136			—		62,268		—
Real estate construction and development	38,863			—			62,700			—			38,722			—		171,389		—
Commercial and industrial	2,778,269			—			5,116,500			41,020			2,733,194			878		5,314,435		43,535
Total commercial	17,318,339			79,967			18,704,086			41,020			16,284,164			147,731		19,893,125		139,913
Consumer and installment	148,181			—			160,943			263			151,108			—		176,834		297
Total	49,751,672			239,977			60,731,837			498,851			50,266,674			435,473		62,195,343		848,984
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	'
		March 31, 2014
																			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
	Single-family residential real estate:
	First mortgage	$	2,718,499		$	598,330		$	3,012,963		$	6,329,792		$	213,407,316		$	219,737,108	$	—	$	13,885,361
	Second mortgage	175,486			136,456			1,374,514			1,686,456			40,137,691			41,824,147		1,142,980		1,789,292
	Home equity lines of credit	1,856,895			364,693			657,859			2,879,447			98,871,073			101,750,520		—		2,939,108
	Total single-family residential real estate	4,750,880			1,099,479			5,045,336			10,895,695			352,416,080			363,311,775		1,142,980		18,613,761
	Commercial:
	Commercial and multi-family real estate	325,493			1,128,315			3,116,154			4,569,962			373,502,138			378,072,100		—		5,882,267
	Land acquisition and development	40,956			—			2,927,999			2,968,955			38,136,501			41,105,456		—		2,969,962
	Real estate construction and development	—			—			—			—			44,264,678			44,264,678		—		39,287
	Commercial and industrial	—			—			769,093			769,093			215,535,114			216,304,207		—		2,768,522
	Total commercial	366,449			1,128,315			6,813,246			8,308,010			671,438,431			679,746,441		—		11,660,038
	Consumer and installment	348			89,686			34,836			124,870			2,430,638			2,555,508		—		113,799
	Total	$	5,117,677		$	2,317,480		$	11,893,418		$	19,328,575		$	1,026,285,149		$	1,045,613,724	$	1,142,980	$	30,387,598
		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
	Single-family 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
	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 single-family 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:
	Commercial and multi-family real estate	—			278,163			3,108,453			3,386,616			344,732,193			348,118,809		—		6,039,604
	Land acquisition and development	—			—			4,278,495			4,278,495			36,234,753			40,513,248		4,278,495		43,706
	Real estate construction and development	18,957			—			—			18,957			20,506,816			20,525,773		—		38,439
	Commercial and 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 installment	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
Summary of the recorded investment of loan risk ratings by class	'
		March 31, 2014
					Special
		Pass			Mention			Substandard			Doubtful			Loss
	Single-family residential real estate:
	First mortgage	$	204,492,750		$	133,122		$	9,538,398		$	5,572,838		$	—
	Second mortgage	39,974,967			59,888			1,358,316			430,976			—
	Home equity lines of credit	98,778,265			—			1,611,944			1,360,311			—
	Total single-family residential real estate	343,245,982			193,010			12,508,658			7,364,125			—
	Commercial:
	Commercial and multi-family real estate	362,296,102			6,268,333			9,507,665			—			—
	Land acquisition and development	25,423,986			6,782,371			8,899,099			—			—
	Real estate construction and development	43,919,887			—			305,504			39,287			—
	Commercial and industrial	211,044,967			2,403,510			2,855,730			—			—
	Total commercial	642,684,942			15,454,214			21,567,998			39,287			—
	Consumer and installment	2,441,709			—			—			113,799			—
	Total	988,372,633			15,647,224			34,076,656			7,517,211			—
	Less related specific allowance	—			—			(848,016		)	(984,369		)	—
	Total net of allowance	$	988,372,633		$	15,647,224		$	33,228,640		$	6,532,842		$	—
		September 30, 2013
					Special
		Pass			Mention			Substandard			Doubtful			Loss
	Single-family resdential real estate:
	First mortgage	$	197,061,832		$	269,891		$	10,833,561		$	5,140,759		$	—
	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 single-family residential real estate	347,322,986			319,722			13,305,988			7,124,512			—
	Commercial:
	Commercial and multi-family real estate	324,959,886			6,939,560			16,159,063			60,300			—
	Land acquisition and development	27,675,231			6,954,392			5,883,625			—			—
	Real estate construction and development	20,487,334			—			38,439			—			—
	Commercial and 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 installment	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		$	—
Summary of unpaid principal balance and recorded investment of troubled debt restructurings	'
		March 31, 2014						September 30, 2013
		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	$	10,945,504		$	11,006,455		$	11,305,093		$	11,371,198
	Past due under restructured terms	7,627,650			7,671,378			6,549,904			6,584,907
	Total non-performing	18,573,154			18,677,833			17,854,997			17,956,105
	Returned to accrual status	18,494,858			18,573,437			23,418,016			23,528,528
	Total troubled debt restructurings	$	37,068,012		$	37,251,270		$	41,273,013		$	41,484,633
	(1) All non-performing loans at March 31, 2014 and September 30, 2013 were classified as non-accrual.
Schedule of restructured accruing loans and defaulted during the period	'
								Restructured During Preceding
								Twelve Months and
		Total Restructured During						Defaulted During
		Three Months Ended March 31,						Three Months Ended March 31,
		2014			2013			2014			2013
	Residential mortgage loans	$	862,454		$	319,164		$	585,084		$	164,362
	Commercial loans	488,186			2,076,780			—			—
	Consumer loans	—			—			—			—
	Total	$	1,350,640		$	2,395,944		$	585,084		$	164,362
								Restructured During Preceding
								Twelve Months and
		Total Restructured During						Defaulted During
		Six Months Ended March 31,						Six Months Ended March 31,
		2014			2013			2014			2013
	Residential mortgage loans	$	1,997,959		$	942,711		$	881,422		$	2,270,873
	Commercial loans	761,405			3,087,101			—			89,296
	Consumer loans	—			1,341			—			—
	Total	$	2,759,364		$	4,031,153		$	881,422		$	2,360,169

DEPOSITS_Tables

DEPOSITS (Tables)	6 Months Ended
	Mar. 31, 2014
DEPOSITS	'
Summary of deposits	'
		March 31, 2014				September 30, 2013
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	Demand deposits:
	Non-interest-bearing checking	$	182,788,343	—		$	168,031,839	—
	Interest-bearing checking	258,552,811		0.1	%	237,362,430		0.1	%
	Savings accounts	42,253,379		0.13	%	39,845,424		0.13	%
	Money market	211,045,313		0.29	%	206,926,830		0.26	%
	Total demand deposits	694,639,846		0.13	%	652,166,523		0.13	%
	Certificates of deposit:
	Traditional	289,586,697		0.72	%	313,216,661		0.84	%
	CDARS	47,738,611		0.25	%	45,428,415		0.28	%
	Total certificates of deposit	337,325,308		0.66	%	358,645,076		0.77	%
	Total deposits	$	1,031,965,154	0.3	%	$	1,010,811,599	0.35	%

BORROWED_MONEY_Tables

BORROWED MONEY (Tables)	6 Months Ended
	Mar. 31, 2014
BORROWED MONEY	'
Schedule of borrowed money	'
		March 31, 2014				September 30, 2013
				Weighted				Weighted
				Average				Average
				Interest				Interest
		Amount		Rate		Amount		Rate
	FHLB advances maturing within the period ending September 30:
	2013	$	—	—		$	49,000,000	0.24	%
	2014	88,000,000		0.26	%	—		—
	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	117,000,000		0.96	%	78,000,000		1.3	%
	Retail repurchase agreements	38,882,096		0.1	%	35,482,909		0.1	%
	Term loan	9,750,000		2.66	%	—		—	%
	Total borrowed money	$	165,632,096	0.86	%	$	113,482,909	0.93	%

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Mar. 31, 2014
FAIR VALUE MEASUREMENTS	'
Schedule of assets and liabilities recorded at fair value on recurring basis	'
		Carrying Value at March 31, 2014
				Fair Value Measurements Using
		Total		Level 1		Level 2		Level 3
		(In thousands)
	Assets:
	Debt and mortgage-backed securities available for sale	$	10,065	$	—	$	10,065	$	—
	Interest-rate swap	598		—		598		—
	Total assets	$	10,663	$	—	$	10,663	$	—
	Liabilities:
	Interest-rate swap	$	598	$	—	$	598	$	—
	Total liabilities	$	598	$	—	$	598	$	—
		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	$	—
Schedule of assets recorded at fair value on a non-recurring basis	'
										Total Losses (Gains)
										Recognized in
		Carrying Value at March 31, 2014								Six Months
				Fair Value Measurements Using						Ended March
		Total		Level 1		Level 2		Level 3		31, 2014
		(In thousands)
	Assets:
	Impaired loans, net	4,233		—		—		4,233		2,400
	Real estate acquired in settlement of loans	6,560		—		—		6,560		(185		)
	Total assets	$	10,793	$	—	$	—	$	10,793	$	2,215
										Total Losses
										Recognized in
		Carrying Value at September 30, 2013								Six Months
				Fair Value Measurements Using						Ended March
		Total		Level 1		Level 2		Level 3		31, 2013
		(In thousands)
	Assets:
	Impaired loans, net	$	4,014	$	—	$	—	$	4,014	$	5,054
	Real estate acquired in settlement of loans	6,395		—		—		6,395		1,667
	Total assets	$	10,409	$	—	$	—	$	10,409	$	6,721

DISCLOSURES_ABOUT_FAIR_VALUE_O1

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Mar. 31, 2014
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	'
Summary of carrying values and estimated fair values	'
		Level in	March 31, 2014				September 30, 2013
		Fair Value			Estimated				Estimated
		Measurement	Carrying		Fair		Carrying		Fair
		Hierarchy	Value		Value		Value		Value
			(In thousands)
	ASSETS:
	Cash and cash equivalents	Level 1	$	125,522	$	125,522	$	86,309	$	86,309
	Debt and mortgage-backed securities - AFS	Level 2	10,065		10,065		38,917		38,917
	Capital stock of FHLB	Level 2	6,232		6,232		4,777		4,777
	Debt and mortgage-backed securities - HTM	Level 2	48,644		48,758		4,294		4,537
	Mortgage loans held for sale	Level 2	37,724		38,814		70,473		72,481
	Loans receivable	Level 3	1,028,785		1,037,458		988,668		1,001,898
	Accrued interest receivable	Level 1	3,043		3,043		3,151		3,151
	Interest-rate swap assets	Level 2	598		598		843		843
	LIABILITIES:
	Deposit transaction accounts	Level 2	694,640		694,640		652,167		652,167
	Certificates of deposit	Level 2	337,325		338,238		358,645		359,917
	Borrowed money	Level 2	165,632		167,190		113,483		115,254
	Subordinated debentures	Level 2	19,589		19,583		19,589		19,583
	Accrued interest payable	Level 2	402		402		470		470
	Interest-rate swap liabilities	Level 2	598		598		843		843

LIABILITY_FOR_LOANS_SOLD_Table

LIABILITY FOR LOANS SOLD (Tables)	6 Months Ended
	Mar. 31, 2014
LIABILITY FOR LOANS SOLD	'
Summary of principal balance of mortgage loan repurchase demands on loans previously sold	'
		2014			2013
	Received during period	$	2,752,000		$	4,148,000
	Resolved during period	3,183,000			5,648,000
	Unresolved at end of period	5,951,000			4,704,000
Summary of the changes in the mortgage loan repurchase reserve	'
		2014			2013
	Balance at beginning of period	$	1,353,095		$	977,134
	Provisions charged to expense	147,793			501,208
	Amounts paid to resolve demands	(120,859		)	(88,743		)
	Balance at end of period	$	1,380,029		$	1,389,599
Summary of the manner in which the Company resolved mortgage loan repurchase demands received from its investors	'
		March 31, 2014						March 31, 2013
		Principal			Payments			Principal		Payments
		Balance of			Charged to			Balance of		Charged to
		Loans Involved			Liability for			Loans Involved		Liability for
		in Existing			Loans Sold			in Existing		Loans Sold
		Claims That						Claims That
		Were Resolved						Were Resolved
	Resolved by providing additional documentation with no further action required	$	2,458,000		$	—		$	4,207,000	$	—
	Resolved by repurchasing loans previously sold to investors	725,000			11,012			1,441,000		17,564
	Payments due upon early payoff of loans previously sold	—			109,847			—		71,179
	Total	$	3,183,000		$	120,859		$	5,648,000	$	88,743

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Mar. 31, 2014
COMMITMENTS AND CONTINGENCIES	'
Summary of notional amount of commitments representing off-balance sheet financial instruments	'
		March 31,		September 30,
		2014		2013
		(In thousands)
	Commitments to originate residential first and second mortgage loans	$	62,491	$	65,936
	Commitments to originate commercial mortgage loans	23,431		62,626
	Commitments to originate non-mortgage loans	23,251		15,778
	Unused lines of credit - residential	59,686		67,265
	Unused lines of credit - commercial	161,157		148,411
	Unused lines of credit - consumer	100		—

DERIVATIVES_Tables

DERIVATIVES (Tables)	6 Months Ended
	Mar. 31, 2014
DERIVATIVES	'
Summary of fair values of contracts recorded in consolidated balance sheets	'
		March 31,			September 30,
		2014			2013
	Fair value recorded in other assets	$	598,000		$	843,000
	Fair value recorded in other liabilities	598,000			843,000
Summary of gross gains and losses on contracts recorded in non-interest expense in consolidated statement of income and comprehensive income	'
		Three Months Ended						Six Months Ended
		March 31,						March 31,
		2014			2013			2014			2013
	Gross losses on derivative financial assets	$	116,000		$	131,000		$	245,000		$	264,000
	Gross gains on derivative financial liabilities	(116,000		)	(131,000		)	(245,000		)	(264,000		)
	Net gain or loss	$	—		$	—		$	—		$	—

PREFERRED_STOCK_Details

PREFERRED STOCK (Details) (USD $)	0 Months Ended		1 Months Ended	6 Months Ended			0 Months Ended		6 Months Ended		0 Months Ended
	Jan. 24, 2014	Jan. 16, 2009	Jul. 31, 2012	Mar. 31, 2014	Sep. 30, 2013	Jan. 16, 2009	Jan. 16, 2009	Jan. 16, 2009	Mar. 31, 2014	Mar. 31, 2014	Feb. 16, 2014
						Maximum	Warrant	Series A Preferred Stock	Series A Preferred Stock	Series A Preferred Stock	Series A Preferred Stock
									First five years (January 16, 2009 to January 16, 2014)	Thereafter (beginning January 16, 2014)	Thereafter (beginning January 16, 2014)
											Subsequent event
Stockholders' equity	'	'	'	'	'	'	'	'	'	'	'
Issuance of fixed rate cumulative perpetual preferred stock (in shares)	'	'	'	'	'	'	'	32,538	'	'	'
Preferred stock, liquidation preference (in dollars per share)	'	'	'	$1,000	$1,000	'	'	$1,000	'	'	'
Annual preferred stock dividend rate (as a percent)	'	'	'	'	'	'	'	'	5.00%	9.00%	9.00%
Period over which cumulative Preferred Stock dividends are paid at 5% per year	'	'	'	'	'	'	'	'	'5 years	'	'
Risk-adjusted rate of return (as a percent)	'	'	'	'	'	'	'	12.00%	'	'	'
Risk-free interest rate (as a percent)	'	'	'	'	'	'	4.30%	'	'	'	'
Expected volatility (as a percent)	'	'	'	'	'	'	35.53%	'	'	'	'
Dividend yield (as a percent)	'	'	'	'	'	'	4.27%	'	'	'	'
Preferred stock discount amortization period	'	'	'	'	'	'	'	'5 years	'	'	'
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	'	'	'	'	'	'	'	'	'
Repurchased from private investors in liquidation value	'	'	15,200,000	'	'	'	'	'	'	'	'
Repurchased of preferred shares, net	10,000,000	'	14,600,000	10,000,000	'	'	'	'	'	'	'
Repurchased of common stock warrant	'	'	'	1,100,000	'	'	'	'	'	'	'
Equity Stake held by U.S. Treasury	'	'	'	0	'	'	'	'	'	'	'
Outstanding preferred stock	$7,300,000	'	'	$7,388,000	$17,310,083	'	'	'	'	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
EARNINGS PER SHARE	'	'	'	'
Net income	$2,103,167	$3,652,174	$4,605,983	$6,779,903
Less: Preferred stock dividends	-188,183	-317,725	-405,533	-635,450
Less: Accretion of discount on preferred stock	'	-88,042	-77,917	-175,775
Income available to common shares	$1,914,984	$3,246,407	$4,122,533	$5,968,678
Weighted average common shares outstanding - basic (in shares)	10,969,484	10,916,522	10,959,019	10,865,523
Effect of dilutive securities:	'	'	'	'
Treasury stock held in equity trust - unvested shares (in shares)	208,109	179,027	210,952	194,740
Equivalent shares - employee stock options and awards (in shares)	179,619	41,252	179,039	40,931
Weighted average common shares outstanding - diluted (in shares)	11,357,212	11,136,801	11,349,010	11,101,194
Earnings per share:	'	'	'	'
Basic (in dollars per share)	$0.17	$0.30	$0.38	$0.55
Diluted (in dollars per share)	$0.17	$0.29	$0.36	$0.54
Additional disclosures	'	'	'	'
Anti-dilutive options to purchase common shares excluded from the computations of diluted earnings per share	397,215	436,311	403,465	457,811

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Restricted stock awards	'	'
Summary of restricted stock award activity	'	'
Nonvested at beginning of year (in shares)	269,530	'
Granted (in shares)	30,596	'
Vested (in shares)	-39,184	'
Forfeited (in shares)	-43,452	'
Nonvested at end of year (in shares)	217,490	'
Restricted Stock Awards, Weighted Average Grant-Date Fair Value	'	'
Nonvested at beginning of year (in dollars per share)	$7.31	'
Granted (in dollars per share)	$10.23	'
Vested (in dollars per share)	$7.57	'
Forfeited (in dollars per share)	$7.28	'
Nonvested at end of year (in dollars per share)	$7.69	'
Restricted stock awards | Minimum	'	'
STOCK-BASED COMPENSATION	'	'
Vesting period	'2 years	'
Restricted stock awards | Maximum	'	'
STOCK-BASED COMPENSATION	'	'
Vesting period	'5 years	'
Stock option awards	'	'
Summary of stock option program activity	'	'
Outstanding at beginning of year (in shares)	604,586	'
Granted (in shares)	0	17,500
Expired (in shares)	-1,875	'
Forfeited (in shares)	-19,751	'
Outstanding at end of year (in shares)	582,960	'
Exercisable at end of year (in shares)	570,594	'
Stock Option Program, Weighted Average Exercise Price	'	'
Outstanding at beginning of year (in dollars per share)	$11.26	'
Granted (in dollars per share)	'	$8.39
Expired (in dollars per share)	$13	'
Forfeited (in dollars per share)	$12.75	'
Outstanding at end of year (in dollars per share)	$11.20	'
Exercisable at end of year (in dollars per share)	$11.27	'
Stock Option Program, Aggregate Intrinsic Value	'	'
Outstanding at end of year (in dollars)	$558,893	'
Exercisable at end of year (in dollars)	$530,613	'
Stock Option Program, Weighted Average Remaining Contractual Life	'	'
Outstanding at end of year	'3 years 7 months 6 days	'
Exercisable at end of year	'3 years 6 months	'
Stock option awards | Minimum	'	'
STOCK-BASED COMPENSATION	'	'
Vesting period	'3 years	'
Stock option awards | Maximum	'	'
STOCK-BASED COMPENSATION	'	'
Vesting period	'5 years	'
Expiration period	'10 years	'
Stock-based incentive plans	'	'
STOCK-BASED COMPENSATION	'	'
Reserved but unissued shares that can be awarded in the form of stock options or restricted share awards	576,911	'

STOCKBASED_COMPENSATION_Detail1

STOCK-BASED COMPENSATION (Details 2) (USD $)

Mar. 31, 2014

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Equity Trust Plan

Equity Trust Plan

Stock option awards

Stock option awards

Stock option awards

Stock option awards

Restricted stock awards

Restricted stock awards

Restricted stock awards

Restricted stock awards

Restricted stock awards

Participant contribution awards

Participant contribution awards

Company contribution awards

Company contribution awards

Key loan officers and sales staff

Key loan officers and sales staff

Minimum

Maximum

Stock options and awards, stock-based compensation plans

Minimum

Maximum

Stock options and awards, stock-based compensation plans

Equity Trust Plan

Equity Trust Plan

Equity Trust Plan

Equity Trust Plan

Equity Trust Plan shares

Equity Trust Plan shares

Key loan officers and sales staff

Key loan officers and sales staff

Key loan officers and sales staff

Key loan officers and sales staff

Equity Trust Plan shares

Equity Trust Plan shares

Equity Trust Plan shares

Equity Trust Plan shares

Minimum

Maximum

Minimum

Maximum

STOCK-BASED COMPENSATION

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized compensation expense, nonvested stock options

'

'

'

'

'

'

'

$18,000

'

'

'

'

'

'

'

'

'

Unrecognized compensation expense, restricted stock awards

'

'

'

'

'

'

'

'

'

'

'

'

575,000

'

'

'

'

Weighted-average period for unrecognized compensation expenses expected to be recognized

'

'

'

'

'

'

'

'1 year 6 months

'

'

'

'

'2 years 2 months 12 days

'

'

'

'

Granted (in shares)

'

'

'

'

'

'

'

'

30,596

'

'

'

'

'

'

'

'

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%

'

'

'

'

'

'

'

'

'

'

'

'

Equity Trust Plan

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Vesting period

'

'

'

'

'

'3 years

'5 years

'

'

'

'2 years

'5 years

'

'2 years

'5 years

'3 years

'5 years

Shares purchased for award

'

'

0

10,100

'

'

'

'

'

'

'

'

'

'

'

'

'

Average price of shares purchased (in dollars per share)

'

'

'

$9.90

'

'

'

'

'

'

'

'

'

'

'

'

'

Distribution of shares to participants

'

'

0

30,005

'

'

'

'

39,184

'

'

'

'

'

'

'

'

Aggregate market value of shares distributed

'

'

297,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Treasury stock, shares

2,039,537

2,017,782

354,123

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Aggregate value of treasury shares

$16,134,735

$15,851,041

$3,200,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Shares not yet vested

'

'

205,547

'

'

'

'

'

217,490

269,530

'

'

'

'

'

'

'

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	Mar. 31, 2014	Sep. 30, 2013
INCOME TAXES	'	'
Deferred tax assets	$9,415,352	$10,570,235
Valuation allowance	0	'
Unrecognized tax benefits	138,000	'
Unrecognized tax benefits affecting effective tax rate if recognized	129,000	'
Accrued payment of interest and penalties	$9,000	'

DEBT_AND_MORTGAGEBACKED_SECURI2

DEBT AND MORTGAGE-BACKED SECURITIES (Details) (USD $)	6 Months Ended
	Mar. 31, 2014	Sep. 30, 2013
Held to Maturity:	'	'
Amortized Cost	$48,643,735	$4,294,096
Available for Sale:	'	'
Amortized Cost	10,120,608	38,958,027
Gross Unrealized Gains	4,785	14,108
Gross Unrealized Losses	-60,412	-55,302
Fair Value	10,064,981	38,916,833
Continuous loss position for twelve months or more, available for sale securities	0	0
Other-than-temporary impairment, available for sale securities	0	'
Continuous loss position for twelve months or more, held to maturity securities	0	0
Other-than-temporary impairment, held to maturity securities	0	'
Debt obligations of U.S. Treasury	'	'
Held to Maturity:	'	'
Amortized Cost	5,009,985	'
Gross Unrealized Gains	953	'
Fair Value	5,010,938	'
Available for Sale:	'	'
Amortized Cost	'	9,038,947
Gross Unrealized Gains	'	3,240
Fair Value	'	9,042,187
Debt obligations of government-sponsored entities	'	'
Held to Maturity:	'	'
Amortized Cost	40,106,420	'
Gross Unrealized Losses	-23,604	'
Fair Value	40,082,816	'
Available for Sale:	'	'
Amortized Cost	9,924,711	29,698,954
Gross Unrealized Gains	'	5,059
Gross Unrealized Losses	-60,412	-55,302
Fair Value	9,864,299	29,648,711
Continuous loss position for twelve months or more, available for sale securities	97,459	'
Total mortgage-backed securities	'	'
Held to Maturity:	'	'
Amortized Cost	48,643,735	4,294,096
Gross Unrealized Gains	138,006	243,263
Gross Unrealized Losses	-23,604	'
Fair Value	48,758,137	4,537,359
Weighted average yield at end of period (as a percent)	0.40%	3.72%
Available for Sale:	'	'
Weighted average yield at end of period (as a percent)	0.53%	0.32%
Mortgage-backed securities	'	'
Held to Maturity:	'	'
Amortized Cost	48,639,804	4,289,890
Gross Unrealized Gains	137,970	243,222
Gross Unrealized Losses	-23,604	'
Fair Value	48,754,170	4,533,112
Mortgage-backed securities | Ginnie Mae	'	'
Held to Maturity:	'	'
Amortized Cost	53,993	63,961
Gross Unrealized Gains	1,718	2,250
Fair Value	55,711	66,211
Available for Sale:	'	'
Amortized Cost	195,897	220,126
Gross Unrealized Gains	4,785	5,809
Fair Value	200,682	225,935
Mortgage-backed securities | Fannie Mae	'	'
Held to Maturity:	'	'
Amortized Cost	3,469,406	4,225,929
Gross Unrealized Gains	135,299	240,972
Fair Value	3,604,705	4,466,901
Collateralized mortgage obligations | Freddie Mac	'	'
Held to Maturity:	'	'
Amortized Cost	3,931	4,206
Gross Unrealized Gains	36	41
Fair Value	$3,967	$4,247

DEBT_AND_MORTGAGEBACKED_SECURI3

DEBT AND MORTGAGE-BACKED SECURITIES (Details 2) (USD $)	Mar. 31, 2014	Sep. 30, 2013
Fair Value	'	'
12 months or more	$0	$0
Unrealized Losses	'	'
Total	60,412	55,302
Unrealized Losses, percent	'	'
Carrying values of debt and mortgage-backed securities available for sale and held to maturity	39,000,000	42,700,000
Debt obligations of government-sponsored entities	'	'
Fair Value	'	'
Less than 12 months	9,766,840	'
12 months or more	97,459	'
Total	9,864,299	'
Unrealized Losses	'	'
Less than 12 months	57,871	'
12 months or more	2,541	'
Total	$60,412	$55,302
Fair Value, percent	'	'
Less than 12 months, percent	99.00%	'
12 months or more, percent	1.00%	'
Total, percent	100.00%	'
Unrealized Losses, percent	'	'
Less than 12 months, percent	95.80%	'
12 months or more, percent	4.20%	'
Total, percent	100.00%	'

LOANS_RECEIVABLE_AND_ALLOWANCE2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	$1,043,792,502	'	$1,005,042,232	'	'	'
Add (less):	'	'	'	'	'	'
Deferred loan costs	3,364,142	'	3,188,386	'	'	'
Loans in process	-1,542,920	'	-1,256,236	'	'	'
Allowance for loan losses	-16,829,103	-17,669,567	-18,306,114	-18,607,768	-17,956,832	-17,116,595
Total	1,028,784,621	'	988,668,268	'	'	'
Weighted average interest rate at end of period (as a percent)	4.32%	'	4.45%	'	'	'
Ratio of allowance to total outstanding loans (as a percent)	1.61%	'	1.82%	'	'	'
Single-family residential real estate	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	361,949,758	'	366,471,132	'	'	'
Add (less):	'	'	'	'	'	'
Allowance for loan losses	-8,282,179	-8,972,696	-9,973,713	-9,420,655	-9,322,240	-9,348,111
First mortgage	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	218,977,700	'	212,357,311	'	'	'
Second mortgage	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	41,695,861	'	43,208,366	'	'	'
Home equity lines of credit	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	101,276,197	'	110,905,455	'	'	'
Commercial	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	679,288,882	'	635,809,996	'	'	'
Add (less):	'	'	'	'	'	'
Allowance for loan losses	-8,354,250	-8,529,655	-8,110,926	-9,020,493	-8,468,320	-7,633,303
Commercial and multi-family real estate	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	377,991,896	'	348,002,617	'	'	'
Land acquisition and development	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	41,041,502	'	40,430,063	'	'	'
Real estate construction and development	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	44,327,346	'	20,548,621	'	'	'
Commercial and industrial	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	215,928,138	'	226,828,695	'	'	'
Consumer and installment	'	'	'	'	'	'
Loans receivable	'	'	'	'	'	'
Loans receivables, gross	$2,553,862	'	$2,761,104	'	'	'

LOANS_RECEIVABLE_AND_ALLOWANCE3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 2)	6 Months Ended
	Mar. 31, 2014
Single-family residential real estate	'
Loans receivable	'
Charge-offs recognition period	'180 days
Consumer loans	'
Loans receivable	'
Charge-offs recognition period	'120 days

LOANS_RECEIVABLE_AND_ALLOWANCE4

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

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

3 Months Ended

6 Months Ended

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Dec. 31, 2007

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Sep. 30, 2013

Single-family residential real estate

Single-family residential real estate

Single-family residential real estate

Single-family residential real estate

Single-family residential real estate

Single-family residential real estate

Single-family residential real estate

First mortgage

First mortgage

First mortgage

First mortgage

First mortgage

Second mortgage

Second mortgage

Second mortgage

Second mortgage

Second mortgage

Second mortgage

Second mortgage

Home equity lines of credit

Home equity lines of credit

Home equity lines of credit

Home equity lines of credit

Home equity lines of credit

Commercial loans

Commercial loans

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

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

Land acquisition and development

Real estate construction and development

Real estate construction and development

Real estate construction and development

Real estate construction and development

Commercial and industrial

Commercial and industrial

Commercial and industrial

Commercial and industrial

Commercial and industrial

Consumer and installment

Consumer and installment

Consumer and installment

Consumer and installment

Consumer and installment

class

Minimum

Maximum

Minimum

Maximum

class

Minimum

Maximum

family

family

tenant

Allowance for loan losses

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of classes in loans receivable

'

'

'

'

'

'

'

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of families per real estate property securing loans receivable

'

'

'

'

'

'

'

'

'

'

1

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

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

9,211,000

'

9,211,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2015

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

12,198,000

'

12,198,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2016

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

18,483,000

'

18,483,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2017

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

23,441,000

'

23,441,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2018

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

30,950,000

'

30,950,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2019

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

6,287,000

'

6,287,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Thereafter

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

706,000

'

706,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total

1,043,792,502

'

1,043,792,502

'

1,005,042,232

361,949,758

'

361,949,758

'

366,471,132

'

'

218,977,700

'

218,977,700

'

212,357,311

41,695,861

'

41,695,861

'

43,208,366

'

'

101,276,197

'

101,276,197

'

110,905,455

679,288,882

'

679,288,882

'

635,809,996

377,991,896

'

377,991,896

'

348,002,617

'

41,041,502

41,041,502

'

40,430,063

'

'

44,327,346

'

20,548,621

215,928,138

'

215,928,138

'

226,828,695

2,553,862

'

2,553,862

'

2,761,104

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 at the beginning of the period

17,669,567

17,956,832

18,306,114

17,116,595

'

8,972,696

9,322,240

9,973,713

9,348,111

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

8,529,655

8,468,320

8,110,926

7,633,303

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Provision charged to expense

500,000

1,375,000

700,000

3,440,000

'

182,929

1,467,043

184,333

3,596,746

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

267,288

-111,142

507,121

-229,741

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Charge-offs

1,684,562

1,585,094

3,437,983

5,208,838

'

1,088,627

1,518,583

2,355,993

3,819,006

'

'

'

257,631

366,231

974,756

1,602,051

'

172,698

516,860

368,873

867,706

'

'

'

658,298

635,491

1,012,364

1,349,249

'

563,202

41,601

1,028,202

1,330,722

'

'

41,600

'

564,315

'

'

562,207

1,027,207

23,044

'

'

'

'

259,743

'

995

'

995

483,620

'

32,733

24,912

53,788

59,110

'

Recoveries

344,098

861,030

1,260,972

3,260,011

'

215,181

149,955

480,126

294,804

'

'

'

133,517

3,850

192,086

28,484

'

10,836

74,844

58,010

109,182

'

'

'

70,828

71,262

230,030

157,138

'

120,509

704,916

764,405

2,947,653

'

106,909

67,177

292,845

1,108,769

'

'

200

600

16,660

'

'

627,592

60

1,797,077

'

13,400

10,147

470,900

25,147

'

8,408

6,158

16,441

17,554

'

Net charge-offs

1,340,464

724,064

2,177,011

1,948,827

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Balance at the end of the period

$16,829,103

$18,607,768

$16,829,103

$18,607,768

'

$8,282,179

$9,420,655

$8,282,179

$9,420,655

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$8,354,250

$9,020,493

$8,354,250

$9,020,493

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

LOANS_RECEIVABLE_AND_ALLOWANCE5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'	'
Balance at the beginning of the period	$17,669,567	$17,956,832	$18,306,114	$17,116,595	'
Provision charged (credited) to expense	500,000	1,375,000	700,000	3,440,000	'
Charge-offs	-1,684,562	-1,585,094	-3,437,983	-5,208,838	'
Recoveries	344,098	861,030	1,260,972	3,260,011	'
Balance at the end of the period	16,829,103	18,607,768	16,829,103	18,607,768	'
Allowance balance at end of period based on:	'	'	'	'	'
Loans individually evaluated for impairment	1,832,385	'	1,832,385	'	2,405,717
Loans collectively evaluated for impairment	14,996,718	'	14,996,718	'	15,900,397
Total balance at the end of the period	16,829,103	18,607,768	16,829,103	18,607,768	'
Recorded investment in loans receivable at end of period:	'	'	'	'	'
Total loans receivable	1,045,613,724	'	1,045,613,724	'	1,006,974,382
Loans receivable individually evaluated for impairment	30,387,598	'	30,387,598	'	27,768,149
Loans receivable collectively evaluated for impairment	1,015,226,126	'	1,015,226,126	'	979,206,233
Residential Real Estate	'	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'	'
Balance at the beginning of the period	8,972,696	9,322,240	9,973,713	9,348,111	'
Provision charged (credited) to expense	182,929	1,467,043	184,333	3,596,746	'
Charge-offs	-1,088,627	-1,518,583	-2,355,993	-3,819,006	'
Recoveries	215,181	149,955	480,126	294,804	'
Balance at the end of the period	8,282,179	9,420,655	8,282,179	9,420,655	'
Allowance balance at end of period based on:	'	'	'	'	'
Loans individually evaluated for impairment	1,384,163	'	1,384,163	'	1,852,701
Loans collectively evaluated for impairment	6,898,016	'	6,898,016	'	8,121,012
Total balance at the end of the period	8,282,179	9,420,655	8,282,179	9,420,655	'
Recorded investment in loans receivable at end of period:	'	'	'	'	'
Total loans receivable	363,311,775	'	363,311,775	'	368,073,208
Loans receivable individually evaluated for impairment	18,613,761	'	18,613,761	'	18,902,744
Loans receivable collectively evaluated for impairment	344,698,014	'	344,698,014	'	349,170,464
Commercial	'	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'	'
Balance at the beginning of the period	8,529,655	8,468,320	8,110,926	7,633,303	'
Provision charged (credited) to expense	267,288	-111,142	507,121	-229,741	'
Charge-offs	-563,202	-41,601	-1,028,202	-1,330,722	'
Recoveries	120,509	704,916	764,405	2,947,653	'
Balance at the end of the period	8,354,250	9,020,493	8,354,250	9,020,493	'
Allowance balance at end of period based on:	'	'	'	'	'
Loans individually evaluated for impairment	448,222	'	448,222	'	536,529
Loans collectively evaluated for impairment	7,906,028	'	7,906,028	'	7,574,397
Total balance at the end of the period	8,354,250	9,020,493	8,354,250	9,020,493	'
Recorded investment in loans receivable at end of period:	'	'	'	'	'
Total loans receivable	679,746,441	'	679,746,441	'	636,138,165
Loans receivable individually evaluated for impairment	11,660,038	'	11,660,038	'	8,758,681
Loans receivable collectively evaluated for impairment	668,086,403	'	668,086,403	'	627,379,484
Consumer	'	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'	'
Balance at the beginning of the period	23,518	26,082	24,947	28,272	'
Provision charged (credited) to expense	19,555	16,736	31,148	37,351	'
Charge-offs	-32,733	-24,911	-53,788	-59,110	'
Recoveries	8,408	6,160	16,441	17,554	'
Balance at the end of the period	18,748	24,067	18,748	24,067	'
Allowance balance at end of period based on:	'	'	'	'	'
Loans individually evaluated for impairment	'	'	'	'	16,487
Loans collectively evaluated for impairment	18,748	'	18,748	'	8,460
Total balance at the end of the period	18,748	24,067	18,748	24,067	'
Recorded investment in loans receivable at end of period:	'	'	'	'	'
Total loans receivable	2,555,508	'	2,555,508	'	2,763,009
Loans receivable individually evaluated for impairment	113,799	'	113,799	'	106,724
Loans receivable collectively evaluated for impairment	2,441,709	'	2,441,709	'	2,656,285
Unallocated	'	'	'	'	'
Changes in the allowance for loan losses by portfolio segment based on impairment method	'	'	'	'	'
Balance at the beginning of the period	143,698	140,190	196,528	106,909	'
Provision charged (credited) to expense	30,228	2,363	-22,602	35,644	'
Balance at the end of the period	173,926	142,553	173,926	142,553	'
Allowance balance at end of period based on:	'	'	'	'	'
Loans collectively evaluated for impairment	173,926	'	173,926	'	196,528
Total balance at the end of the period	$173,926	$142,553	$173,926	$142,553	'

LOANS_RECEIVABLE_AND_ALLOWANCE6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	Mar. 31, 2014	Sep. 30, 2013
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	$48,737,758	$51,025,816
Recorded Investment	48,961,035	51,296,677
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	48,738,000	51,026,000
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3 | Fair value of collateral method	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	36,691,000	39,691,000
Nonrecurring fair value measurement | Fair Value Measurements Using Level 3 | Present value of cash flows method	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	12,047,000	11,335,000
Non-performing loans	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	30,242,900	27,607,800
Recorded Investment	30,387,598	27,768,149
Non-accrual loans	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	11,669,746	9,752,803
Recorded Investment	11,709,765	9,812,044
Troubled debt restructurings current under restructured terms	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	10,945,504	11,305,093
Recorded Investment	11,006,455	11,371,198
Troubled debt restructurings past due under restructured terms	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	7,627,650	6,549,904
Recorded Investment	7,671,378	6,584,907
Troubled debt restructurings returned to accrual status	'	'
Impaired loans	'	'
Unpaid Principal Balance Net of Charge-offs	18,494,858	23,418,016
Recorded Investment	$18,573,437	$23,528,528

LOANS_RECEIVABLE_AND_ALLOWANCE7

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	$17,038,932	'	$17,038,932	'	$13,036,978
With an allowance recorded	1,314,533	'	1,314,533	'	1,816,347
Total	18,353,465	'	18,353,465	'	14,853,325
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	6,799,300	'	6,799,300	'	5,617,484
With an allowance recorded	146,327	'	146,327	'	245,271
Total	6,945,627	'	6,945,627	'	5,862,755
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	10,239,632	'	10,239,632	'	7,419,494
With an allowance recorded	1,168,206	'	1,168,206	'	1,571,076
Total	11,407,838	'	11,407,838	'	8,990,570
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	32,432,684	'	32,432,684	'	37,186,916
With an allowance recorded	4,897,236	'	4,897,236	'	4,848,330
Total	37,329,920	'	37,329,920	'	42,035,246
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	42,672,316	'	42,672,316	'	44,606,410
With an allowance recorded	6,065,442	'	6,065,442	'	6,419,406
Total	48,737,758	'	48,737,758	'	51,025,816
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	42,861,733	'	42,861,733	'	44,843,992
With an allowance recorded	6,099,302	'	6,099,302	'	6,452,685
Total	48,961,035	'	48,961,035	'	51,296,677
Related Allowance For Loan Losses	1,832,385	'	1,832,385	'	2,405,717
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	41,921,974	56,640,185	42,895,980	57,914,480	'
With an allowance recorded	7,829,698	4,091,652	7,370,694	4,280,863	'
Total	49,751,672	60,731,837	50,266,674	62,195,343	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	239,977	498,851	434,945	848,984	'
With an allowance recorded	'	'	528	'	'
Total	239,977	498,851	435,473	848,984	'
Charge-offs of non-performing and impaired loans	1,700,000	1,600,000	3,400,000	5,200,000	'
Partial charge-offs of non-performing and impaired loans	942,000	269,000	2,100,000	2,700,000	'
Remaining principal balance of non-performing and impaired loans for which partial charge-offs were recorded previously	11,400,000	'	11,400,000	'	9,000,000
Single-family residential real estate	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	7,182,418	'	7,182,418	'	6,489,052
With an allowance recorded	44,559	'	44,559	'	564,889
Total	7,226,977	'	7,226,977	'	7,053,941
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	3,021,928	'	3,021,928	'	2,655,458
With an allowance recorded	4,667	'	4,667	'	103,611
Total	3,026,595	'	3,026,595	'	2,759,069
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	4,160,490	'	4,160,490	'	3,833,594
With an allowance recorded	39,892	'	39,892	'	461,278
Total	4,200,382	'	4,200,382	'	4,294,872
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	22,808,617	'	22,808,617	'	27,986,846
With an allowance recorded	4,597,087	'	4,597,087	'	4,427,072
Total	27,405,704	'	27,405,704	'	32,413,918
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	26,969,107	'	26,969,107	'	31,820,440
With an allowance recorded	4,636,979	'	4,636,979	'	4,888,350
Total	31,606,086	'	31,606,086	'	36,708,790
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	27,129,727	'	27,129,727	'	32,002,295
With an allowance recorded	4,670,495	'	4,670,495	'	4,921,606
Total	31,800,222	'	31,800,222	'	36,923,901
Related Allowance For Loan Losses	1,384,163	'	1,384,163	'	1,852,701
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	27,709,078	38,642,109	29,140,151	38,422,488	'
With an allowance recorded	4,576,074	3,224,699	4,691,251	3,702,896	'
Total	32,285,152	41,866,808	33,831,402	42,125,384	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	160,010	457,568	287,214	708,774	'
With an allowance recorded	'	'	528	'	'
Total	160,010	457,568	287,742	708,774	'
First mortgage	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	5,231,062	'	5,231,062	'	4,817,704
With an allowance recorded	44,559	'	44,559	'	286,226
Total	5,275,621	'	5,275,621	'	5,103,930
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,015,402	'	2,015,402	'	1,892,403
With an allowance recorded	4,667	'	4,667	'	68,947
Total	2,020,069	'	2,020,069	'	1,961,350
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	3,215,660	'	3,215,660	'	2,925,301
With an allowance recorded	39,892	'	39,892	'	217,279
Total	3,255,552	'	3,255,552	'	3,142,580
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	17,941,674	'	17,941,674	'	22,621,982
With an allowance recorded	3,479,630	'	3,479,630	'	3,574,340
Total	21,421,304	'	21,421,304	'	26,196,322
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	21,157,334	'	21,157,334	'	25,547,283
With an allowance recorded	3,519,522	'	3,519,522	'	3,791,619
Total	24,676,856	'	24,676,856	'	29,338,902
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	21,302,943	'	21,302,943	'	25,712,587
With an allowance recorded	3,548,857	'	3,548,857	'	3,823,190
Total	24,851,800	'	24,851,800	'	29,535,777
Related Allowance For Loan Losses	770,069	'	770,069	'	1,068,205
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	21,690,365	30,988,757	23,031,106	30,894,818	'
With an allowance recorded	3,535,589	2,860,839	3,631,456	3,218,117	'
Total	25,225,954	33,849,596	26,662,562	34,112,935	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	132,575	385,724	215,288	609,120	'
With an allowance recorded	'	'	528	'	'
Total	132,575	385,724	215,816	609,120	'
Second mortgage	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	1,010,811	'	1,010,811	'	961,909
Total	1,010,811	'	1,010,811	'	961,909
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	572,124	'	572,124	'	473,023
Total	572,124	'	572,124	'	473,023
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	438,687	'	438,687	'	488,886
Total	438,687	'	438,687	'	488,886
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,375,116	'	2,375,116	'	2,648,996
With an allowance recorded	641,080	'	641,080	'	386,847
Total	3,016,196	'	3,016,196	'	3,035,843
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,813,803	'	2,813,803	'	3,137,882
With an allowance recorded	641,080	'	641,080	'	386,847
Total	3,454,883	'	3,454,883	'	3,524,729
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	2,828,814	'	2,828,814	'	3,154,434
With an allowance recorded	645,261	'	645,261	'	388,532
Total	3,474,075	'	3,474,075	'	3,542,966
Related Allowance For Loan Losses	223,067	'	223,067	'	255,196
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	2,973,580	3,522,749	3,033,865	3,628,529	'
With an allowance recorded	629,240	175,771	549,004	248,508	'
Total	3,602,820	3,698,520	3,582,869	3,877,037	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	22,891	53,832	41,591	81,642	'
Total	22,891	53,832	41,591	81,642	'
Home equity lines of credit	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	940,545	'	940,545	'	709,439
With an allowance recorded	'	'	'	'	278,663
Total	940,545	'	940,545	'	988,102
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	434,402	'	434,402	'	290,032
With an allowance recorded	'	'	'	'	34,664
Total	434,402	'	434,402	'	324,696
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	506,143	'	506,143	'	419,407
With an allowance recorded	'	'	'	'	243,999
Total	506,143	'	506,143	'	663,406
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,491,827	'	2,491,827	'	2,715,868
With an allowance recorded	476,377	'	476,377	'	465,885
Total	2,968,204	'	2,968,204	'	3,181,753
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,997,970	'	2,997,970	'	3,135,275
With an allowance recorded	476,377	'	476,377	'	709,884
Total	3,474,347	'	3,474,347	'	3,845,159
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	2,997,970	'	2,997,970	'	3,135,274
With an allowance recorded	476,377	'	476,377	'	709,884
Total	3,474,347	'	3,474,347	'	3,845,158
Related Allowance For Loan Losses	391,027	'	391,027	'	529,300
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	3,045,133	4,130,603	3,075,180	3,899,141	'
With an allowance recorded	411,245	188,089	510,791	236,271	'
Total	3,456,378	4,318,692	3,585,971	4,135,412	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	4,544	18,012	30,335	18,012	'
Total	4,544	18,012	30,335	18,012	'
Commercial real estate	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	9,741,617	'	9,741,617	'	6,426,096
With an allowance recorded	1,269,974	'	1,269,974	'	1,251,458
Total	11,011,591	'	11,011,591	'	7,677,554
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	3,683,530	'	3,683,530	'	2,868,184
With an allowance recorded	141,660	'	141,660	'	141,660
Total	3,825,190	'	3,825,190	'	3,009,844
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	6,058,087	'	6,058,087	'	3,557,912
With an allowance recorded	1,128,314	'	1,128,314	'	1,109,798
Total	7,186,401	'	7,186,401	'	4,667,710
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	9,483,237	'	9,483,237	'	9,088,158
With an allowance recorded	300,149	'	300,149	'	404,771
Total	9,783,386	'	9,783,386	'	9,492,929
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	15,541,324	'	15,541,324	'	12,646,070
With an allowance recorded	1,428,463	'	1,428,463	'	1,514,569
Total	16,969,787	'	16,969,787	'	14,160,639
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	15,569,587	'	15,569,587	'	12,701,217
With an allowance recorded	1,428,807	'	1,428,807	'	1,514,593
Total	16,998,394	'	16,998,394	'	14,215,810
Related Allowance For Loan Losses	448,222	'	448,222	'	536,529
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	14,064,715	17,838,835	13,610,216	19,316,292	'
With an allowance recorded	3,253,624	865,251	2,673,948	576,833	'
Total	17,318,339	18,704,086	16,284,164	19,893,125	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	79,967	41,020	147,731	139,913	'
Total	79,967	41,020	147,731	139,913	'
Commercial and multi-family real estate	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	3,563,114	'	3,563,114	'	3,827,364
With an allowance recorded	1,269,974	'	1,269,974	'	1,251,458
Total	4,833,088	'	4,833,088	'	5,078,822
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	947,668	'	947,668	'	1,159,528
With an allowance recorded	141,660	'	141,660	'	141,660
Total	1,089,328	'	1,089,328	'	1,301,188
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	2,615,446	'	2,615,446	'	2,667,836
With an allowance recorded	1,128,314	'	1,128,314	'	1,109,798
Total	3,743,760	'	3,743,760	'	3,777,634
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	7,425,132	'	7,425,132	'	7,628,698
With an allowance recorded	30,680	'	30,680	'	36,915
Total	7,455,812	'	7,455,812	'	7,665,613
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	10,040,578	'	10,040,578	'	10,296,534
With an allowance recorded	1,158,994	'	1,158,994	'	1,146,713
Total	11,199,572	'	11,199,572	'	11,443,247
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	10,061,354	'	10,061,354	'	10,343,639
With an allowance recorded	1,159,270	'	1,159,270	'	1,146,988
Total	11,220,624	'	11,220,624	'	11,490,627
Related Allowance For Loan Losses	339,994	'	339,994	'	351,047
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	10,113,876	12,845,241	10,190,464	13,941,202	'
With an allowance recorded	1,165,979	605,747	1,159,648	403,831	'
Total	11,279,855	13,450,988	11,350,112	14,345,033	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	79,967	'	146,853	96,378	'
Total	79,967	'	146,853	96,378	'
Land acquisition and development	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	4,011,041	'	4,011,041	'	57,523
Total	4,011,041	'	4,011,041	'	57,523
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	1,042,085	'	1,042,085	'	14,879
Total	1,042,085	'	1,042,085	'	14,879
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	2,968,956	'	2,968,956	'	42,644
Total	2,968,956	'	2,968,956	'	42,644
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,968,956	'	2,968,956	'	42,644
Total	2,968,956	'	2,968,956	'	42,644
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	2,969,961	'	2,969,961	'	43,706
Total	2,969,961	'	2,969,961	'	43,706
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	1,506,604	73,898	1,018,971	62,268	'
With an allowance recorded	1,714,748	'	1,143,165	'	'
Total	3,221,352	73,898	2,162,136	62,268	'
Real estate construction and development	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	302,682	'	302,682	'	301,834
Total	302,682	'	302,682	'	301,834
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	259,743	'	259,743	'	259,743
Total	259,743	'	259,743	'	259,743
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	42,939	'	42,939	'	42,091
Total	42,939	'	42,939	'	42,091
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	42,939	'	42,939	'	42,091
Total	42,939	'	42,939	'	42,091
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	39,286	'	39,286	'	38,439
Total	39,286	'	39,286	'	38,439
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	34,819	62,700	36,026	171,389	'
With an allowance recorded	4,044	'	2,696	'	'
Total	38,863	62,700	38,722	171,389	'
Commercial and industrial	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	1,864,780	'	1,864,780	'	2,239,375
Total	1,864,780	'	1,864,780	'	2,239,375
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	1,434,034	'	1,434,034	'	1,434,034
Total	1,434,034	'	1,434,034	'	1,434,034
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	430,746	'	430,746	'	805,341
Total	430,746	'	430,746	'	805,341
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,058,105	'	2,058,105	'	1,459,460
With an allowance recorded	269,469	'	269,469	'	367,856
Total	2,327,574	'	2,327,574	'	1,827,316
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	2,488,851	'	2,488,851	'	2,264,801
With an allowance recorded	269,469	'	269,469	'	367,856
Total	2,758,320	'	2,758,320	'	2,632,657
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	2,498,986	'	2,498,986	'	2,275,433
With an allowance recorded	269,537	'	269,537	'	367,605
Total	2,768,523	'	2,768,523	'	2,643,038
Related Allowance For Loan Losses	108,228	'	108,228	'	185,482
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	2,409,416	4,856,996	2,364,755	5,141,433	'
With an allowance recorded	368,853	259,504	368,439	173,002	'
Total	2,778,269	5,116,500	2,733,194	5,314,435	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	'	41,020	878	43,535	'
Total	'	41,020	878	43,535	'
Consumer and installment	'	'	'	'	'
Unpaid Principal Balance, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	114,897	'	114,897	'	121,830
Total	114,897	'	114,897	'	121,830
Amount of Partial Charge-Offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	93,842	'	93,842	'	93,842
Total	93,842	'	93,842	'	93,842
Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge Offs Recorded	'	'	'	'	'
With no related allowance recorded	21,055	'	21,055	'	27,988
Total	21,055	'	21,055	'	27,988
Unpaid Principal Balance, Loans with No Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	140,830	'	140,830	'	111,912
With an allowance recorded	'	'	'	'	16,487
Total	140,830	'	140,830	'	128,399
Total Unpaid Principal Balance Net of Partial Charge-offs, Loans with Partial Charge-offs Recorded	'	'	'	'	'
With no related allowance recorded	161,885	'	161,885	'	139,900
With an allowance recorded	'	'	'	'	16,487
Total	161,885	'	161,885	'	156,387
Total Recorded Investment Net of Partial Charge-offs	'	'	'	'	'
With no related allowance recorded	162,419	'	162,419	'	140,480
With an allowance recorded	'	'	'	'	16,486
Total	162,419	'	162,419	'	156,966
Related Allowance For Loan Losses	'	'	'	'	16,487
Average Recorded Investment During Period	'	'	'	'	'
With no related allowance recorded	148,181	159,241	145,613	175,700	'
With an allowance recorded	'	1,702	5,495	1,134	'
Total	148,181	160,943	151,108	176,834	'
Interest Income Recognized During Period	'	'	'	'	'
With no related allowance recorded	'	263	'	297	'
Total	'	$263	'	$297	'

LOANS_RECEIVABLE_AND_ALLOWANCE8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	6 Months Ended
	Mar. 31, 2014	Sep. 30, 2013
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	$5,117,677	$4,179,503
60 to 89 Days Due	2,317,480	2,068,863
90 Days or More Past Due	11,893,418	14,050,159
Total Past Due	19,328,575	20,298,525
Current	1,026,285,149	986,675,857
Total loans receivable	1,045,613,724	1,006,974,382
90 Days or More And Still Accruing	1,142,980	4,278,495
Nonaccrual	30,387,598	27,768,149
Commercial loans	'	'
Delinquent and Non-Accrual Loans	'	'
Loans that have passed their contractual maturity dates and are in process of renewal	13,400,000	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
Total loans receivable	679,746,441	636,138,165
Single-family residential real estate	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	4,750,880	4,135,816
60 to 89 Days Due	1,099,479	1,784,028
90 Days or More Past Due	5,045,336	6,195,299
Total Past Due	10,895,695	12,115,143
Current	352,416,080	355,958,065
Total loans receivable	363,311,775	368,073,208
90 Days or More And Still Accruing	1,142,980	'
Nonaccrual	18,613,761	18,902,743
First mortgage	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	2,718,499	2,661,510
60 to 89 Days Due	598,330	1,033,315
90 Days or More Past Due	3,012,963	4,618,113
Total Past Due	6,329,792	8,312,938
Current	213,407,316	204,993,105
Total loans receivable	219,737,108	213,306,043
Nonaccrual	13,885,361	14,593,039
Second mortgage	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	175,486	172,686
60 to 89 Days Due	136,456	44,601
90 Days or More Past Due	1,374,514	366,645
Total Past Due	1,686,456	583,932
Current	40,137,691	42,743,577
Total loans receivable	41,824,147	43,327,509
90 Days or More And Still Accruing	1,142,980	'
Nonaccrual	1,789,292	1,510,637
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	1,856,895	1,301,620
60 to 89 Days Due	364,693	706,112
90 Days or More Past Due	657,859	1,210,541
Total Past Due	2,879,447	3,218,273
Current	98,871,073	108,221,383
Total loans receivable	101,750,520	111,439,656
Nonaccrual	2,939,108	2,799,067
Commercial real estate	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	366,449	43,132
60 to 89 Days Due	1,128,315	281,672
90 Days or More Past Due	6,813,246	7,837,873
Total Past Due	8,308,010	8,162,677
Current	671,438,431	627,975,488
Total loans receivable	679,746,441	636,138,165
90 Days or More And Still Accruing	'	4,278,495
Nonaccrual	11,660,038	8,758,681
Commercial and 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	325,493	'
60 to 89 Days Due	1,128,315	278,163
90 Days or More Past Due	3,116,154	3,108,453
Total Past Due	4,569,962	3,386,616
Current	373,502,138	344,732,193
Total loans receivable	378,072,100	348,118,809
Nonaccrual	5,882,267	6,039,604
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	40,956	'
90 Days or More Past Due	2,927,999	4,278,495
Total Past Due	2,968,955	4,278,495
Current	38,136,501	36,234,753
Total loans receivable	41,105,456	40,513,248
90 Days or More And Still Accruing	'	4,278,495
Nonaccrual	2,969,962	43,706
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
Total Past Due	'	18,957
Current	44,264,678	20,506,816
Total loans receivable	44,264,678	20,525,773
Nonaccrual	39,287	38,439
Commercial and industrial	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	'	24,175
60 to 89 Days Due	'	3,509
90 Days or More Past Due	769,093	450,925
Total Past Due	769,093	478,609
Current	215,535,114	226,501,726
Total loans receivable	216,304,207	226,980,335
Nonaccrual	2,768,522	2,636,932
Consumer and installment	'	'
Recorded investment in loans receivable by class that were 30 days or more past due	'	'
30 to 59 Days Past Due	348	555
60 to 89 Days Due	89,686	3,163
90 Days or More Past Due	34,836	16,987
Total Past Due	124,870	20,705
Current	2,430,638	2,742,304
Total loans receivable	2,555,508	2,763,009
Nonaccrual	$113,799	$106,725

LOANS_RECEIVABLE_AND_ALLOWANCE9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 8) (USD $)	6 Months Ended
	Mar. 31, 2014	Sep. 30, 2013
	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	$1,045,613,724	$1,006,974,382
Less related specific allowance	-1,832,385	-2,405,717
Total	1,028,784,621	988,668,268
Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	988,372,633	941,878,609
Total	988,372,633	941,878,609
Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	15,647,224	19,149,830
Total	15,647,224	19,149,830
Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	34,076,656	38,654,406
Less related specific allowance	-848,016	-1,058,007
Total	33,228,640	37,596,399
Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	7,517,211	7,291,537
Less related specific allowance	-984,369	-1,347,710
Total	6,532,842	5,943,827
Single-family residential real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	363,311,775	368,073,208
Less related specific allowance	-1,384,163	-1,852,701
Single-family residential real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	343,245,982	347,322,986
Single-family residential real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	193,010	319,722
Single-family residential real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	12,508,658	13,305,988
Single-family residential real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	7,364,125	7,124,512
First mortgage	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	219,737,108	213,306,043
Less related specific allowance	-770,069	-1,068,205
First mortgage | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	204,492,750	197,061,832
First mortgage | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	133,122	269,891
First mortgage | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	9,538,398	10,833,561
First mortgage | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	5,572,838	5,140,759
Second mortgage	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	41,824,147	43,327,509
Less related specific allowance	-223,067	-255,196
Second mortgage | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	39,974,967	41,767,041
Second mortgage | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	59,888	49,831
Second mortgage | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,358,316	1,101,032
Second mortgage | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	430,976	409,605
Home equity lines of credit	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	101,750,520	111,439,656
Less related specific allowance	-391,027	-529,300
Home equity lines of credit | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	98,778,265	108,494,113
Home equity lines of credit | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,611,944	1,371,395
Home equity lines of credit | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	1,360,311	1,574,148
Commercial real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	679,746,441	636,138,165
Less related specific allowance	-448,222	-536,529
Commercial real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	642,684,942	591,899,339
Commercial real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	15,454,214	18,830,108
Commercial real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	21,567,998	25,348,418
Commercial real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	39,287	60,300
Commercial and multi-family real estate	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	378,072,100	348,118,809
Less related specific allowance	-339,994	-351,047
Commercial and multi-family real estate | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	362,296,102	324,959,886
Commercial and multi-family real estate | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	6,268,333	6,939,560
Commercial and multi-family real estate | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	9,507,665	16,159,063
Commercial and multi-family real estate | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	'	60,300
Land acquisition and development	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	41,105,456	40,513,248
Land acquisition and development | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	25,423,986	27,675,231
Land acquisition and development | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	6,782,371	6,954,392
Land acquisition and development | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	8,899,099	5,883,625
Real estate construction and development	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	44,264,678	20,525,773
Real estate construction and development | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	43,919,887	20,487,334
Real estate construction and development | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	305,504	38,439
Real estate construction and development | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	39,287	'
Commercial and industrial	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	216,304,207	226,980,335
Less related specific allowance	-108,228	-185,482
Commercial and industrial | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	211,044,967	218,776,888
Commercial and industrial | Special Mention	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,403,510	4,936,156
Commercial and industrial | Substandard	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,855,730	3,267,291
Consumer and installment	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,555,508	2,763,009
Less related specific allowance	'	-16,487
Consumer and installment | Pass	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	2,441,709	2,656,284
Consumer and installment | Doubtful	'	'
Recorded investment of loan risk ratings by class	'	'
Total loans receivables	$113,799	$106,725

Recovered_Sheet1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 9) (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
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	$37,068,012	'	$37,068,012	'	$41,273,013
Recorded Investment	37,251,270	'	37,251,270	'	41,484,633
Total Restructured During The Period	1,350,640	2,395,944	2,759,364	4,031,153	'
Restructured During Preceding Twelve Months and Defaulted During The Period	585,084	164,362	881,422	2,360,169	'
Amount of additional funds (undisbursed) committed to borrowers who were included in troubled debt restructured status	2,000	'	2,000	'	175,000
Gross amount of interest that would have been recognized under the original terms of renegotiated loans	'	'	1,200,000	1,500,000	'
Actual amount of interest income recognized under the restructured terms	'	'	497,000	543,000	'
Provisions for losses related to restructured loans	165,000	498,000	285,000	1,300,000	'
Specific reserves related to troubled debt restructurings	1,200,000	'	1,200,000	'	1,300,000
Residential mortgage loans	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Total Restructured During The Period	862,454	319,164	1,997,959	942,711	'
Restructured During Preceding Twelve Months and Defaulted During The Period	585,084	164,362	881,422	2,270,873	'
Commercial loans	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Total Restructured During The Period	488,186	2,076,780	761,405	3,087,101	'
Restructured During Preceding Twelve Months and Defaulted During The Period	'	'	'	89,296	'
Consumer loans	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Total Restructured During The Period	'	'	'	1,341	'
Non-performing loans	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Unpaid Principal Balance Net of Charge-offs	18,573,154	'	18,573,154	'	17,854,997
Recorded Investment	18,677,833	'	18,677,833	'	17,956,105
Troubled debt restructurings current under restructured terms	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Unpaid Principal Balance Net of Charge-offs	10,945,504	'	10,945,504	'	11,305,093
Recorded Investment	11,006,455	'	11,006,455	'	11,371,198
Troubled debt restructurings past due under restructured terms	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Unpaid Principal Balance Net of Charge-offs	7,627,650	'	7,627,650	'	6,549,904
Recorded Investment	7,671,378	'	7,671,378	'	6,584,907
Troubled debt restructurings returned to accrual status	'	'	'	'	'
Troubled Debt Restructurings	'	'	'	'	'
Unpaid Principal Balance Net of Charge-offs	18,494,858	'	18,494,858	'	23,418,016
Recorded Investment	$18,573,437	'	$18,573,437	'	$23,528,528

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Mar. 31, 2014	Sep. 30, 2013
Amount, Demand deposits:	'	'
Non-interest-bearing checking	$182,788,343	$168,031,839
Interest-bearing checking	258,552,811	237,362,430
Savings accounts	42,253,379	39,845,424
Money market	211,045,313	206,926,830
Total demand deposits	694,639,846	652,166,523
Amount, certificates of deposit:	'	'
Traditional	289,586,697	313,216,661
CDARS	47,738,611	45,428,415
Total certificates of deposit	337,325,308	358,645,076
Total deposits	1,031,965,154	1,010,811,599
Weighted Average Interest Rate, Demand deposits:	'	'
Interest-bearing checking (as a percent)	0.10%	0.10%
Savings accounts (as a percent)	0.13%	0.13%
Money market (as a percent)	0.29%	0.26%
Total demand deposits (as a percent)	0.13%	0.13%
Weighted Average Interest Rate, certificates of deposit:	'	'
Traditional (as a percent)	0.72%	0.84%
CDARS (as a percent)	0.25%	0.28%
Certificates of deposit (as a percent)	0.66%	0.77%
Total deposits (as a percent)	0.30%	0.35%
Certificates of deposit, obtained from national brokers	0	0
Maximum	'	'
Weighted Average Interest Rate, certificates of deposit:	'	'
FDIC insurance	$50,000,000	'

BORROWED_MONEY_Details

BORROWED MONEY (Details) (USD $)	Mar. 31, 2014	Sep. 30, 2013	Jan. 31, 2014	Jan. 31, 2014	Jan. 31, 2014	Jan. 31, 2014	Jan. 31, 2014	Mar. 31, 2014	Jan. 31, 2014
			Preferred Stock	Loan agreement with First Bank	Loan agreement with First Bank	Loan agreement with First Bank	Term loan	Revolving line of credit	Revolving line of credit
					Minimum	Maximum	Loan agreement with First Bank	Loan agreement with First Bank	Loan agreement with First Bank
Maturing within the year ending September 30, Amount	'	'	'	'	'	'	'	'	'
2013	'	$49,000,000	'	'	'	'	'	'	'
2014	88,000,000	'	'	'	'	'	'	'	'
2015	25,000,000	'	'	'	'	'	'	'	'
2015	'	25,000,000	'	'	'	'	'	'	'
Thereafter	4,000,000	'	'	'	'	'	'	'	'
Thereafter	'	4,000,000	'	'	'	'	'	'	'
Total FHLB advances	117,000,000	78,000,000	'	'	'	'	'	'	'
Retail repurchase agreements	38,882,096	35,482,909	'	'	'	'	'	'	'
Term loan	9,750,000	'	'	'	'	'	'	'	'
Total borrowed money	165,632,096	113,482,909	'	'	'	'	'	'	'
Maturing within the year ending September 30, Weighted Average Interest Rate	'	'	'	'	'	'	'	'	'
2013 (as a percent)	'	0.24%	'	'	'	'	'	'	'
2014 (as a percent)	0.26%	'	'	'	'	'	'	'	'
2015 (as a percent)	2.70%	'	'	'	'	'	'	'	'
2015 (as a percent)	'	2.70%	'	'	'	'	'	'	'
Thereafter (as a percent)	5.48%	5.48%	'	'	'	'	'	'	'
Term loan (as a percent)	2.66%	'	'	'	'	'	'	'	'
Total FHLB advances (as a percent)	0.96%	1.30%	'	'	'	'	'	'	'
Retail repurchase agreement (as a percent)	0.10%	0.10%	'	'	'	'	'	'	'
Total amount borrowed (as a percent)	0.86%	0.93%	'	'	'	'	'	'	'
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	39,000,000	42,700,000	'	'	'	'	'	'	'
Borrowed money	'	'	'	'	'	'	'	'	'
Maximum borrowing capacity	'	'	'	'	'	'	10,000,000	'	2,000,000
Amount of preferred stock repurchased from private investors	'	'	10,000,000	'	'	'	'	'	'
Amount outstanding under facility	'	'	'	'	'	'	'	$0	'
Variable rate basis	'	'	'	'Daily LIBOR Rate	'	'	'	'	'
Interest rate added to variable rate basis (as a percent)	'	'	'	2.50%	'	'	'	'	'
Tier 1 capital to risk-weighted assets (as a percent)	'	'	'	'	8.00%	'	'	'	'
Adversely classified assets to Tier 1 capital plus loan loss reserves	'	'	'	'	'	0.5	'	'	'

BORROWED_MONEY_Details_2

BORROWED MONEY (Details 2) (USD $)	Mar. 31, 2014	Sep. 30, 2013
BORROWINGS FROM THE FEDERAL RESERVE BANK	'	'
Ability to borrow funds equal to percentage of total assets	35.00%	'
FHLB advances outstanding	$117,000,000	$78,000,000
Additional borrowing capacity available under the arrangement	64,000,000	'
Borrowings from Federal Reserve Bank	'	'
BORROWINGS FROM THE FEDERAL RESERVE BANK	'	'
Outstanding borrowings	0	'
Additional borrowing capacity available	127,500,000	'
Borrowings from Federal Reserve Bank | Commercial loans	'	'
BORROWINGS FROM THE FEDERAL RESERVE BANK	'	'
Loans assigned as collateral	$159,300,000	'

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	6 Months Ended		12 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
Real Estate Acquired in Settlement of Loans	'	'	'
Charge-offs to allowance for loan losses at the time of foreclosure	$360,000	$327,000	'
Charge-offs to allowance for loan losses at the time of foreclosure as a percentage of principal balance	22.00%	6.00%	'
Impairment losses related to goodwill	$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	'	'

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Mar. 31, 2014	Sep. 30, 2013
In Thousands, unless otherwise specified
Fair Value Measurements Using Level 2	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	$10,065	$38,917
Fair Value Measurements Using Level 2 | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	598	843
Liabilities:	'	'
Derivative liabilities	598	843
Fair value on recurring basis | Total	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	10,065	38,917
Total assets	10,663	39,760
Liabilities:	'	'
Total liabilities	598	843
Fair value on recurring basis | Total | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	598	843
Liabilities:	'	'
Derivative liabilities	598	843
Fair value on recurring basis | Fair Value Measurements Using Level 2	'	'
Assets:	'	'
Debt and mortgage-backed securities available for sale	10,065	38,917
Total assets	10,663	39,760
Liabilities:	'	'
Total liabilities	598	843
Fair value on recurring basis | Fair Value Measurements Using Level 2 | Interest-rate swap	'	'
Assets:	'	'
Derivative assets	598	843
Liabilities:	'	'
Derivative liabilities	$598	$843

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 3) (USD $)	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
Assets:	'	'	'
Real estate acquired in settlement of loans	$6,559,972	'	$6,394,712
Amount of transfers between levels within the fair value hierarchy	0	0	'
Fair value on non-recurring basis | Total	'	'	'
Assets:	'	'	'
Impaired loans, net	4,233,000	'	4,014,000
Real estate acquired in settlement of loans	6,560,000	'	6,395,000
Total assets	10,793,000	'	10,409,000
Fair value on non-recurring basis | Fair Value Measurements Using Level 3	'	'	'
Assets:	'	'	'
Impaired loans, net	4,233,000	'	4,014,000
Real estate acquired in settlement of loans	6,560,000	'	6,395,000
Total assets	10,793,000	'	10,409,000
Fair value on non-recurring basis | Total Losses (Gains) Recognized	'	'	'
Assets:	'	'	'
Impaired loans, net	2,400,000	5,054,000	'
Real estate acquired in settlement of loans	-185,000	1,667,000	'
Total assets	$2,215,000	$6,721,000	'

DISCLOSURES_ABOUT_FAIR_VALUE_O2

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Mar. 31, 2014	Sep. 30, 2013	Mar. 31, 2013	Sep. 30, 2012
ASSETS:	'	'	'	'
Cash and cash equivalents	$125,521,843	$86,308,578	$70,107,476	$62,334,922
Debt and mortgage-backed securities - HTM	48,758,137	4,537,359	'	'
Accrued interest receivable	3,043,313	3,151,197	'	'
LIABILITIES:	'	'	'	'
Borrowed money	117,000,000	78,000,000	'	'
Accrued interest payable	401,808	469,909	'	'
Estimated Fair Value, Level 1	'	'	'	'
ASSETS:	'	'	'	'
Cash and cash equivalents	125,522,000	86,309,000	'	'
Accrued interest receivable	3,043,000	3,151,000	'	'
Estimated Fair Value, Level 2	'	'	'	'
ASSETS:	'	'	'	'
Debt and mortgage-backed securities - AFS	10,065,000	38,917,000	'	'
Capital stock of FHLB	6,232,000	4,777,000	'	'
Debt and mortgage-backed securities - HTM	48,758,000	4,537,000	'	'
Mortgage loans held for sale	38,814,000	72,481,000	'	'
LIABILITIES:	'	'	'	'
Borrowed money	167,190,000	115,254,000	'	'
Subordinated debentures	19,583,000	19,583,000	'	'
Accrued interest payable	402,000	470,000	'	'
Estimated Fair Value, Level 2 | Deposit transaction accounts	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	694,640,000	652,167,000	'	'
Estimated Fair Value, Level 2 | Certificate of deposits	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	338,238,000	359,917,000	'	'
Estimated Fair Value, Level 2 | Interest-rate swap	'	'	'	'
ASSETS:	'	'	'	'
Derivative assets	598,000	843,000	'	'
LIABILITIES:	'	'	'	'
Derivative liabilities	598,000	843,000	'	'
Estimated Fair Value, Level 3	'	'	'	'
ASSETS:	'	'	'	'
Loans receivable	1,037,458,000	1,001,898,000	'	'
Carrying Value	'	'	'	'
ASSETS:	'	'	'	'
Cash and cash equivalents	125,522,000	86,309,000	'	'
Debt and mortgage-backed securities - AFS	10,065,000	38,917,000	'	'
Capital stock of FHLB	6,232,000	4,777,000	'	'
Debt and mortgage-backed securities - HTM	48,644,000	4,294,000	'	'
Mortgage loans held for sale	37,724,000	70,473,000	'	'
Loans receivable	1,028,785,000	988,668,000	'	'
Accrued interest receivable	3,043,000	3,151,000	'	'
LIABILITIES:	'	'	'	'
Borrowed money	165,632,000	113,483,000	'	'
Subordinated debentures	19,589,000	19,589,000	'	'
Accrued interest payable	402,000	470,000	'	'
Carrying Value | Deposit transaction accounts	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	694,640,000	652,167,000	'	'
Carrying Value | Certificate of deposits	'	'	'	'
LIABILITIES:	'	'	'	'
Deposits	337,325,000	358,645,000	'	'
Carrying Value | Interest-rate swap	'	'	'	'
ASSETS:	'	'	'	'
Derivative assets	598,000	843,000	'	'
LIABILITIES:	'	'	'	'
Derivative liabilities	$598,000	$843,000	'	'

LIABILITY_FOR_LOANS_SOLD_Detai

LIABILITY FOR LOANS SOLD (Details) (Liability for loans sold, USD $)	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Sep. 30, 2013
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	$147,000,000	'	$412,000,000
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'	'
Received during period	2,752,000	4,148,000	'
Resolved during period	3,183,000	5,648,000	'
Unresolved at end of period	5,951,000	4,704,000	'
Changes in the mortgage loan repurchase reserve	'	'	'
Balance at beginning of period	1,353,095	977,134	'
Provisions charged to expense	147,793	501,208	'
Amounts paid to resolve demands	-120,859	-88,743	'
Balance at end of period	1,380,029	1,389,599	'
Resolved by providing additional documentation with no further action required	'	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'	'
Resolved during period	2,458,000	4,207,000	'
Resolved by repurchasing loans previously sold to investors	'	'	'
Principal balance of mortgage loan repurchase demands on loans previously sold	'	'	'
Resolved during period	725,000	1,441,000	'
Changes in the mortgage loan repurchase reserve	'	'	'
Amounts paid to resolve demands	11,012	17,564	'
Payments due upon early payoff of loans previously sold	'	'	'
Changes in the mortgage loan repurchase reserve	'	'	'
Amounts paid to resolve demands	$109,847	$71,179	'

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Mar. 31, 2014	Sep. 30, 2013
In Thousands, unless otherwise specified
Commitments to originate loans | Residential first and second mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	$62,491	$65,936
Commitments to originate loans | Commercial mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	23,431	62,626
Commitments to originate loans | Non-mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	23,251	15,778
Unused lines of credit | Residential first and second mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	59,686	67,265
Unused lines of credit | Commercial mortgage loans	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	161,157	148,411
Unused lines of credit | Consumer	'	'
COMMITMENTS AND CONTINGENCIES	'	'
Notional amount of commitments	$100	'

DERIVATIVES_Details

DERIVATIVES (Details) (USD $)	Sep. 30, 2008	Mar. 31, 2014	Sep. 30, 2008	Mar. 31, 2014	Sep. 30, 2008	Mar. 31, 2014	Sep. 30, 2013
	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	'	'	'	'	'	$64,800,000	$68,600,000
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 $)	Mar. 31, 2014	Sep. 30, 2013
Not designated for hedge treatment | Interest-rate swap	'	'
Fair values of the contracts	'	'
Fair value recorded in other assets	$598,000	$843,000
Fair value recorded in other liabilities	$598,000	$843,000

DERIVATIVES_Details_3

DERIVATIVES (Details 3) (Interest-rate swap, USD $)	Mar. 31, 2014	Sep. 30, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
			Derivative financial assets	Derivative financial assets	Derivative financial assets	Derivative financial assets	Derivative financial liabilities	Derivative financial liabilities	Derivative financial liabilities	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	'	'	$116,000	$131,000	$245,000	$264,000	($116,000)	($131,000)	($245,000)	($264,000)
Cash pledged to secure derivative contract obligations	$1,800,000	$1,800,000	'	'	'	'	'	'	'	'

GOODWILL_Details

GOODWILL (Details) (USD $)	6 Months Ended	12 Months Ended
	Mar. 31, 2014	Sep. 30, 2013
GOODWILL	'	'
Goodwill	$3,938,524	$3,938,524
Impairment losses related to goodwill	$0	$0