CF Bankshares (CFBK) 10-K 23 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Mar. 15, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Entity Registrant Name	CENTRAL FEDERAL CORP
Entity Central Index Key	1,070,680
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 20.7
Entity Common Stock, Shares Outstanding		16,024,210

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 25,895	$ 28,207
Interest-bearing deposits in other financial institutions		494
Securities available for sale	9,368	10,445
Loans held for sale, at fair value	889	3,505
Loans, net of allowance of $6,620 and $6,316	297,064	257,085
FHLB stock	1,942	1,942
Foreclosed assets, net	1,636	1,636
Premises and equipment, net	3,609	3,775
Bank owned life insurance	4,797	4,665
Accrued interest receivable and other assets	6,093	3,834
Total assets	351,293	315,588
Deposits
Noninterest bearing	42,926	37,035
Interest bearing	247,541	221,280
Total deposits	290,467	258,315
FHLB advances	14,500	14,500
Advances by borrowers for taxes and insurance	656	401
Accrued interest payable and other liabilities	2,203	2,708
Subordinated debentures	5,155	5,155
Total liabilities	$ 312,981	$ 281,079
Commitments and Contingent Liabilities
Stockholders' equity
Common stock, $.01 par value; shares authorized: 50,000,000; shares issued: 16,135,917 in 2015 and 15,935,417 in 2014	$ 161	$ 159
Series B Preferred stock, $0.01 par value; 480,000 shares authorized; 480,000 issued at December 31, 2015 and December 31, 2014	5	5
Additional paid-in capital	59,937	59,696
Accumulated deficit	(18,537)	(22,157)
Accumulated other comprehensive income	(9)	51
Treasury stock, at cost; 111,707 shares of common stock	(3,245)	(3,245)
Total stockholders' equity	38,312	34,509
Total liabilities and stockholder's equity	$ 351,293	$ 315,588

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loans, allowance	$ 6,620	$ 6,316
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	16,135,917	15,935,417
Treasury stock, shares	111,707	111,707
Series B Preferred Stock [Member]
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, share authorized	480,000	480,000
Preferred stock, share issued	480,000	480,000

Consolidated Statements Of Oper

Consolidated Statements Of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income
Loans, including fees	$ 12,126	$ 10,310
Securities	131	157
FHLB stock dividends	78	78
Federal funds sold and other	70	66
Total interest and dividend income	12,405	10,611
Interest expense
Deposits	2,212	1,562
FHLB advances and other debt	232	162
Subordinated debentures	164	165
Total interest expense	2,608	1,889
Net interest income	9,797	8,722
Provision for loan losses	250	278
Net interest income after provision for loan losses	9,547	8,444
Noninterest income
Service charges on deposit accounts	491	412
Net gains on sales of loans	325	536
Net gain (loss) on sales of securitites	(12)
Earnings on bank owned life insurance	132	130
Other	412	414
Total noninterest income	1,348	1,492
Noninterest expense
Salaries and employee benefits	4,753	4,445
Occupancy and equipment	533	571
Data processing	1,054	897
Franchise and other taxes	318	214
Professional fees	956	1,217
Director fees	150	122
Postage, printing and supplies	198	233
Advertising and promotion	145	110
Telephone	119	112
Loan expenses	207	82
Foreclosed assets, net	137	328
Depreciation	211	232
FDIC premiums	421	384
Regulatory assessment	131	167
Other insurance	121	130
Other	157	213
Total noninterest expense	9,611	9,457
Income before income taxes	1,284	$ 479
Income tax expense (benefit)	(3,193)
Net income	4,477	$ 479
Dividends on Series B preferred stock and accretion of discount	(857)	(421)
Earnings attributable to common stockholders	$ 3,620	$ 58
Earnings per common share:
Basic	$ 0.23	$ 0
Diluted	$ 0.20	$ 0

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 4,477	$ 479
Other comprehensive income:
Unrealized net gains (losses), net of taxes	(72)	(47)
Realized net losses, net of tax	12
Other comprehensive income (loss), net of tax	(60)	(47)
Comprehensive income	$ 4,417	$ 432

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital	Accumulated Deficit	Accumulated Other Comprehensive Income	Treasury Stock	Series B Preferred Stock [Member]	Total
Balance at Dec. 31, 2013	$ 159	$ 48,067	$ (22,215)	$ 98	$ (3,245)		$ 22,864
Net income			479				479
Other comprehensive income (loss)				(47)			(47)
Stock option expense, net of forfeitures		265					265
Cash dividends declared on Series B preferred stock and accretion of discount			(421)				(421)
Issuance of 480,000 shares Series B preferred stock at $.01 par value, net of $631 in offering expenses		11,364				$ 5	11,369
Balance at Dec. 31, 2014	159	59,696	(22,157)	51	(3,245)	5	34,509
Net income			4,477				4,477
Other comprehensive income (loss)				(60)			(60)
Issuance of 200,500 stock based incentive plan shares, net of forfeitures	2						2
Restricted stock expense, net of forfeitures		15					15
Stock option expense, net of forfeitures		119					119
Cash dividends declared on Series B preferred stock and accretion of discount		107	(857)				(750)
Balance at Dec. 31, 2015	$ 161	$ 59,937	$ (18,537)	$ (9)	$ (3,245)	$ 5	$ 38,312

Consolidated Statements Of Cha7

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock based incentive plan, shares issued	200,500
Series B Preferred Stock [Member]
Preferred stock, share issued	480,000	480,000
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, offering expenses		$ 631

Consolidated Statements Of Cha8

Consolidated Statements Of Changes Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Changes Of Cash Flows [Abstract]
Net income	$ 4,477	$ 479
Adjustments to reconcile net loss to net cash from operating activities:
Provision for loan losses	250	278
Depreciation	211	232
Amortization, net	25	189
Deferred income tax (benefit)	(3,251)
Net loss on sales of securitites	12
Originations of loans held for sale	(41,617)	(50,140)
Proceeds from sale of loans held for sale	44,830	50,456
Net gains on sales of loans	(325)	(536)
Earnings on bank owned life insurance	(132)	(130)
Stock-based compensation expense	134	265
Net change in:
Accrued interest receivable and other assets	993	(240)
Accrued interest payable and other liabilities	(505)	202
Net cash from (used by) operating activities	5,102	1,055
Cash flows from investing activities
Net decrease in interest-bearing deposits in other financial institutions	494	1,488
Available-for-sale securities:
Maturities, prepayments and calls	5,509	4,073
Purchases	(4,573)	(5,019)
Loan originations and payments, net	(44,531)	(50,998)
Proceeds from the sale of loans	4,099
Additions to premises and equipment	(45)	(461)
Net cash used by investing activities	(39,047)	(50,917)
Cash flows from financing activities
Net change in deposits	32,128	49,973
Net change in other debt		(6,526)
Proceeds from FHLB advances	2,500	22,500
Repayments on FHLB advances	(2,500)	(18,000)
Net change in advances by borrowers for taxes and insurance	255	(174)
Cash dividends paid on Series B preferred stock	(750)	(233)
Net proceeds from issuance of Series B preferred stock		11,369
Net cash from (used by) financing activities	31,633	58,909
Net change in cash and cash equivalents	(2,312)	9,047
Beginning cash and cash equivalents	28,207	19,160
Ending cash and cash equivalents	25,895	28,207
Supplemental cash flow information:
Interest paid	2,612	2,097
Supplemental noncash disclosures:
Loans transferred from held for sale to portfolio	1,833
Loans transferred from portfolio to held for sale	1,561
Dividends payable on Series B preferred stock	$ 187	$ 187

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations and Principles of Consolidation : The consolidated financial statements include Central Federal Corporation (the “Holding Company”) and its wholly-owned subsidiary, CFBank. The Holding Company and CFBank are sometimes collectively referred to herin as the “Company”. Intercompany transactions and balances are eliminated in consolidation. CFBank provides financial services through its four full-service banking offices in Fairlawn, Calcutta, Wellsville and Worthington, Ohio, and through its loan production office in Woodmere, Ohio. Its primary deposit products are commercial and retail checking, savings, money market and term certificate accounts. Its primary lending products are commercial and commercial real estate, residential mortgages and installment loans. There are no significant concentrations of loans to any one industry or customer segment. However, our customers’ ability to repay their loans is dependent on general economic conditions and the real estate values in their geographic areas. Use of Estimates : To prepare financial statements in conformity with U.S. generally accepted accounting principles (GAAP), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses (ALLL), deferred tax assets and fair values of financial instruments are particularly subject to change. Cash Flows : Cash and cash equivalents include cash, deposits with other financial institutions with maturities fewer than 90 days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and borrowings with original maturities under 90 days. Interest-Bearing Deposits in Other Financial Institutions : Interest ‑bearing deposits in other financial institutions matured at various times through November 2015 and were carried at cost. As of December 31, 2015, there were no interest-bearing deposits in other financial institutions. Securities : Debt securities are classified as available for sale when they might be sold before maturity. Equity securities with readily determinable fair values are classified as available for sale. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income. Interest income includes amortization of purchase premium or accretion of discount. Premiums and discounts on securities are amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated based on industry payment trends. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or will more likely than not be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. Loans Held for Sale : Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing rights when mortgage loans held for sale are sold with servicing rights retained. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. Loans : Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, adjusted for purchase premiums and discounts, deferred loan fees and costs and an allowance for loan losses (ALLL). Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level ‑yield method without anticipating prepayments. The accrual of interest income on all classes of loans, except other consumer loans, is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Other consumer loans are typically charged off no later than 90 days past due. Past due status is based on the contractual terms of the loan for all classes of loans. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Commercial, multi-family residential real estate loans and commercial real estate loans placed on nonaccrual status are individually classified as impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income in the period in which it is placed in a nonaccrual status. Interest received on such loans is accounted for on the cash-basis or cost ‑recovery method, until qualifying for return to accrual status. Loans are considered for return to accrual status provided all the principal and interest amounts that are contractually due are brought current, there is a current and well documented credit analysis, there is reasonable assurance of repayment of principal and interest, and the customer has demonstrated sustained, amortizing payment performance of at least six months. Concentration of Credit Risk : Most of the Company’s primary business activity is with customers located within the Ohio counties of Columbiana, Franklin, Summit, Cuyahoga and contiguous counties. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economies within these counties. Although these counties are the Company’s primary market area for loans, the Company originates residential and commercial real estate loans throughout the United States. Allowance for Loan Losses (ALLL) : The ALLL is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that CFBank will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans within any loan class for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired. Factors considered by management in determining impairment for all loan classes include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. All loans within the commercial, multi-family residential and commercial real estate segments, regardless of size, and loans of all other classes with balances over $250 are individually evaluated for impairment when they are 90 days past due, or earlier than 90 days past due if information regarding the payment capacity of the borrower indicates that payment in full according to the loan terms is doubtful. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral, less costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and single-family residential real estate loans, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. TDRs of all classes of loans are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using each loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. If the payment of the loan is dependent on the sale of the collateral, then costs to liquidate the collateral are included when determining the impairment. For TDRs that subsequently default, the amount of reserve is determined in accordance with the accounting policy for the ALLL. Interest income on all classes of impaired loans that are on nonaccrual status is recognized in accordance with the accounting policy for nonaccrual loans. Cash receipts on all classes of impaired loans that are on nonaccrual status are generally applied to the principal balance outstanding. Interest income on all classes of impaired loans that are not on nonaccrual status is recognized on the accrual method. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note. The general reserve component covers non ‑impaired loans of all classes and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by loan class and is based on the actual loss history experienced by the Company over a three-year period. The general component is calculated based on CFBank’s loan balances and actual historical three-year historical loss rates. For loans with little or no actual loss experience, industry estimates are used based on loan segment. This actual loss experience is supplemented with other economic and judgmental factors based on the risks present for each loan class. These economic and judgmental factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: commercial loans, single-family residential real estate loans; multi-family residential real estate loans; commercial real estate loans; construction loans; home equity lines of credit; and other consumer loans. A description of each segment of the loan portfolio, along with the risk characteristics of each segment is included below: Commercial loans: Commercial loans include loans to businesses generally located within our primary market area. Those loans are generally secured by business equipment, inventory, accounts receivable and other business assets. In underwriting commercial loans, we consider the net operating income of the company, the debt service ratio and the financial strength, expertise and credit history of the business owners and/or guarantors. Because payments on commercial loans are dependent on successful operation of the business enterprise, repayment of such loans may be subject to a greater extent to adverse conditions in the economy. We seek to mitigate these risks through underwriting policies which require such loans to be qualified at origination on the basis of the enterprise’s financial performance and the financial strength of the business owners and/or guarantors. Single-family residential real estate loans: Single-family residential real estate loans include permanent conventional mortgage loans secured by single-family residences located within and outside of our primary market area. Credit approval for single-family residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment and an established credit record. Our policy is to originate single-family residential real estate loans for portfolio in amounts up to 85% of the lower of the appraised value or the purchase price of the property securing the loan, without requiring private mortgage insurance. Loans in excess of 85% of the lower of the appraised value or purchase price of the property securing the loan require private mortgage insurance. CFBank has not engaged in subprime lending, used option adjustable-rate mortgage products or made loans with initial teaser rates. Multi-family residential real estate loans: Multi-family residential real estate loans include loans secured by apartment buildings, condominiums and multi-family residential houses generally located within our primary market area. Underwriting policies provide that multi-family residential real estate loans may be made in amounts up to 85% of the lower of the appraised value or purchase price of the property. In underwriting multi-family residential real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed-rate and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by multi-family residential properties are dependent on successful operation or management of the properties, repayment of multi-family residential real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate multi-family residential real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate multi-family residential real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate multi-family residential real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Commercial real estate loans: Commercial real estate loans include loans secured by owner occupied and non-owner occupied properties used for business purposes, such as manufacturing facilities, office buildings or retail facilities generally located within our primary market area. Underwriting policies provide that commercial real estate loans may be made in amounts up to 85% of the lower of the appraised value or purchase price of the property. In underwriting commercial real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by commercial real estate properties are dependent on successful operation or management of the properties, repayment of commercial real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate commercial real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate commercial real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate commercial real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Construction loans: Construction loans include loans to finance the construction of residential and commercial properties generally located within our primary market area. Construction loans are fixed-rate or adjustable-rate loans which may convert to permanent loans with maturities of up to 30 years. Our policies provide that construction loans may be made in amounts up to 80% of the appraised value of the property, and an independent appraisal of the property is required. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction. In underwriting construction loans, we consider the property owner’s and/or guarantor’s financial strength, expertise and credit history. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, we may be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on construction loans through inspections of construction progress on the property and by requiring personal guarantees and reviewing current personal financial statements and tax returns, as well as other projects of the developer. Home equity lines of credit: Home equity lines of credit include both loans we originate for portfolio and purchased loans. We originate home equity lines of credit to customers generally within our primary market area. Home equity lines of credit are variable rate loans and the interest rate adjusts monthly at various margins above the prime rate of interest as disclosed in The Wall Street Journal. The margin is based on certain factors including the loan balance, value of collateral, election of auto-payment, and the borrower’s FICO® score. The amount of the line is based on the borrower’s credit, income and equity in the home. When combined with the balance of the prior mortgage liens, these lines generally may not exceed 89.9% of the appraised value of the property at the time of the loan commitment. The lines are secured by a subordinate lien on the underlying real estate and are, therefore, vulnerable to declines in property values in the geographic areas where the properties are located. Credit approval for home equity lines of credit requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral. Collectability of home equity lines of credit are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. In 2005 and 2006, we purchased home equity lines of credit collateralized by properties located throughout the United States. The purchased home equity lines of credit may present higher risk than the home equity lines of credit we originate for our portfolio as they include properties in geographic areas that have experienced significant declines in housing values, such as California, Florida and Virginia. We continue to monitor collateral values and borrower FICO® scores on both purchased and portfolio loans and, when the situation warrants, have frozen the lines of credit. Other consumer loans: Other consumer loans include closed-end home equity, home improvement, and auto and credit card loans to consumers generally located within our primary market area. Credit approval for other consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. CFBank’s charge-off policy for commercial loans, single-family residential real estate loans, multi-family residential real estate loans, commercial real estate loans, construction loans and home equity lines of credit requires management to record a specific reserve or charge-off as soon as it is apparent that the borrower is troubled and there is, or likely will be a collateral shortfall related to the estimated value of the collateral securing the loan. Other consumer loans are typically charged off no later than 90 days past due. Servicing Rights : When mortgage loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Due to the fact that the servicing assets are not material, no impairment analysis is performed. Servicing fee income, which is reported on the income statement as loan servicing fees, net is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal, or a fixed amount per loan, and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Loan servicing fees, net, totaled $15 and $17 for the years ended December 31, 2015 and 2014, respectively. Late fees and ancillary fees related to loan servicing are not material. Transfers of Financial Assets : Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Foreclosed Assets : Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, an adjustment is recorded through expense. Operating costs after acquisition are expensed. Joint Ventures: The Holding Company contributed funds into a series of joint ventures (equity stake) for the purpose of allocating excess liquidity into higher earning assets while diversifying its revenue sources. The funding for the joint ventures is related to shorter term operating activities and is related to the development of single family real estate in the form of condominiums. Income is recognized based on a rate of return on the outstanding investment balance. As units are sold, the Holding Company receives an additional incentive payment; the incentive payment is recognized as income. The balance outstanding in joint ventures at December 31, 2015 and December 31, 2014 was $1,285 and $2,184 , respectively. Income recognized on the joint ventures was $265 and $223 , respectively, for 2015 and 2014. Premises and Equipment : Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight ‑line method with useful lives ranging from 3 to 40 years. Furniture, fixtures and equipment are depreciated using the straight ‑line method with useful lives ranging from 2 to 25 years. Leasehold improvements are depreciated straight-line over the shorter of the useful life or the lease term. Federal Home Loan Bank (FHLB) stock: CFBank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income. Bank Owned Life Insurance : CFBank purchased life insurance policies on certain directors and employees in 2002. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Loan Commitments and Related Financial Instruments : Financial instruments include off ‑balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, and fees associated with origination are booked to non-interest income at the origination date. Derivatives : Derivative financial instruments are recognized as assets or liabilities at fair value. The Company's derivatives consist mainly of interest rate swap agreements, which are used as part of its asset liability management program to help manage interest rate risk. The Company does not use derivatives for trading purposes. The derivative transactions are considered instruments with no hedging designation, otherwise known as stand-alone derivatives. Changes in the fair value of the derivatives are reported currently in earnings, as other noninterest income. Mortgage Banking Derivatives : Commitments to fund mortgage loans to be sold into the secondary market, otherwise known as interest rate locks, are accounted for as free standing derivatives. Fair values of these mortgage derivatives are based on anticipated gains on the underlying loans. Changes in the fair values of these derivatives are included in net gains on sales of loans. Stock-Based Compensation : Compensation cost is recognized for stock options and restricted stock awards issued to directors and employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the required service period for each separately vesting portion of the award. Income Taxes : Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A full valuation allowance was recorded in 2009 to reduce the carrying amount of the Company’s net deferred tax asset to zero. This valuation allowance was reversed in the fourth quarter of 2015. See Note 14 – Income Taxes. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense. Retirement Plans : Pension expense is the amount of annual contributions by the Company to the multi-employer contributory trusteed pension plan. Employee 401(k) and profit sharing plan expense is the amount of matching contributions. Supplemental retirement plan expense allocates the benefits over years of service. Reverse Stock Split : Reclassifications did not impact prior period net loss or total stockholders' equity. On May 4, 2012, the Company completed a 1 -for-5 reverse stock split, whereby every 5 shares of the Company’s common stock were reclassified into one share of common stock. All share and per share amounts for all periods presented have been adjusted to reflect the reverse split as though it had occurred prior to the earliest period presented. Earnings (Loss) Per Common Share : Basic earnings (loss) per common share is net income (loss) available to common stockholders divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options. Earnings and dividends per share are restated for all reverse stock splits through the date of issuance of the financial st

Regulatory Order Considerations

Regulatory Order Considerations	12 Months Ended
	Dec. 31, 2015
Regulatory Order Considerations [Abstract]
Regulatory Order Considerations	NOTE 2- REGULATORY ORDER CONSIDERATIONS Regulatory Order Considerations: On May 25, 2011, the Holding Company and CFBank each consented to the issuance of an Order to Cease and Desist (the “Holding Company Order” and the “CFBank Order”, respectively, and collectively, the “Orders”) by the Office of Thrift Supervision (the “OTS”), the primary regulator of the Holding Company and CFBank at the time the Orders were issued. In July 2011, in accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), the Federal Reserve Board (the “FRB”) replaced the OTS as the primary regulator of the Holding Company and the Office of the Comptroller of the Currency (the “OCC”) replaced the OTS as the primary regulator of CFBank . The Orders imposed significant directives applicable to the Holding Company and CFBank, including requirements that we reduce the level of our classified and criticized assets, achieve growth and operating metrics in line with an approved business plan, and comply with restrictions on brokered deposits and on certain types of lending and prohibitions on dividends and repurchases of our capital stock. The CFBank Order required CFBank to have 8% core capital and 12% total risk-based capital, and CFBank could not be considered well-capitalized under the prompt corrective action regulations so long as the CFBank Order remained in place, even if it met or exceeded these capital levels. At December 31, 2013, as a result of the CFBank Order, CFBank was considered “adequately capitalized” for regulatory purposes. In addition, the regulators were required to approve any deviation from our business plan and certain compensation arrangements with directors and executive officers. Effective as of January 23, 2014, the OCC released and terminated the CFBank Order based upon the improved capital position of CFBank, among other factors. Notwithstanding the release of the CFBank Order, CFBank was required to continue to maintain a minimum Tier 1 Leverage Capital Ratio of 8% and a Total Risk-based Capital to Risk-Weighted Assets ratio of 12% until December 23, 2015 . In addition, in connection with the release and termination of the CFBank Order, CFBank made certain commitments to the OCC to continue to adhere to certain prudent practices, including, without limitation, maintaining a written program to continue to improve CFBank’s credit underwriting and administrative process; take actions to protect its interest in criticized assets as identified by CFBank, the OCC examiners or its external loan review process; implement its written program to effectively identify, monitor, control and continue to reduce the level of credit risk to CFBank; review and monitor progress against such plan with the Board of Directors; and continue CFBank’s aggressive workout efforts and individualized workout plans on all criticized assets greater than $250,000 . The foregoing commitments remained in place until December 23, 2015. On May 15, 2014, the FRB announced the termination of the Holding Company Order, effective as of May 9, 2014. Notwithstanding the termination of the Holding Company Order, the Holding Company was required to continue to adhere to certain requirements and restrictions based on commitments made to the FRB in connection with the termination of the Holding Company Order. These commitments required the Holding Company, among other things, to continue to implement certain actions in accordance with the capital plan previously submitted to the FRB; not declare or pay dividends on its stock, purchase or redeem its stock, or accept dividends or other capital distributions from CFBank without the prior written approval of the FRB; not incur, increase or guarantee any debt without the prior written consent of the FRB; and provide prior written notice to the FRB with respect to certain changes in directors and senior executive officers. The foregoing commitments remained in place until January 8, 2016. The significant directives contained in the Orders and the commitments made by CFBank and the Holding Company in connection with the release and termination of the Orders provided challenges for the operation of our business and our ability to effectively compete in our markets over the past several years. In addition, the Orders and our subsequent commitments to the regulators required that we obtain approval from our regulators for any deviations from our business plan, which limited our flexibility to make changes to the scope of our business activities. Under the terms of the Holding Company Order, the Holding Company was prohibited from declaring or paying any dividends on its stock, repurchasing any of its stock, or making any capital contributions to CFBank except with the prior approval of the FRB. In accordance with the commitments made by the Holding Company in connection with the release and termination of the Holding Company Order, the Holding Company remain ed subject to such restrictions until January 8, 2016 . The Holding Company received prior approval from the FRB for the payment of a quarterly cash dividend on its Series B Pref erred Stock in the amount of $187.5 for the quarters ended March 31, 2015, June 30, 2015, September 30, 2015 and December 31, 2015 (paid in January 2016). The Holding Company also received prior approval from the FRB for the payment of quarterly cash dividends on its Series B Preferred Stock in each of the previous quarters commencing with the first dividend payment on July 15, 2014. The ability of the Holding Company to pay dividends on its common stock and Series B Preferred Stock is generally dependent upon the receipt of dividends and other distributions from CFBank. The Holding Company is a legal entity that is separate and distinct from CFBank, which has no obligation to make any dividends or other funds available for the payment of dividends by the Holding Company. The Holding Company also is subject to various legal and regulatory policies and guidelines impacting the Holding Company’s ability to pay dividends on its stock. In addition, the Holding Company’s ability to pay dividends on its stock is conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities. Finally, so long as the Company’s Series B Preferred Stock remains outstanding, the Holding Company will be prohibited from paying dividends on (other than dividends payable solely in shares) the Company’s common stock, for the then-current dividend period, unless full dividends on the Series B Preferred Stock have been paid or set aside for payment. Dividends on the Series B Preferred Stock are non-cumulative, which means that if for any reason we do not declare cash dividends on the Series B Preferred Stock for a quarterly dividend period we will have no obligation to pay any dividends for that period (i.e., the dividends will not accrue or cumulate), whether or not we declare dividends on the Series B Preferred Stock for any subsequent dividend period. We have taken such actions as we believe are necessary to comply with all requirements of the Orders and the other regulatory requirements and commitments to which we are subject, and we continue to work toward ensuring compliance with those regulatory requirements and commitments to which we continue to be subject .

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at December 31, 201 5 and December 31, 201 4 and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive income (loss): Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2015 Corporate debt $ - $ - $ - $ - State and municipal - - - - Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 8,575 4 43 8,536 Mortgage-backed securities - residential 463 18 - 481 Collateralized mortgage obligations 339 12 - 351 Total $ 9,377 $ 34 $ 43 $ 9,368 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2014 Corporate debt $ 2,932 $ 5 $ 1 $ 2,936 State and municipal 897 - 11 886 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,018 - 7 5,011 Mortgage-backed securities - residential 687 40 - 727 Collateralized mortgage obligations 860 25 - 885 Total $ 10,394 $ 70 $ 19 $ 10,445 There was no other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale at December 31, 201 5 or December 31, 201 4 . The re were no sales of securities for the years ended December 31, 2015 or December 31, 2014; however, there was an early redemption of a municipal security during the first quarter of 2015 which is reflected in net loss on sales of securities. The amortized cost and fair value of debt securities at December 31, 201 5 and December 31, 2014 are shown by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. December 31, 2015 December 31, 2014 Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 1,002 $ 1,000 $ 4,829 $ 4,821 Due from one to five years 7,573 7,536 4,018 4,012 Mortgage-backed securities 463 481 687 727 Collateralized mortgage obligations 339 351 860 885 Total $ 9,377 $ 9,368 $ 10,394 $ 10,445 Fair value of securities pledged was as follows: 2015 2014 Pledged as collateral for: FHLB advances $ 3,530 $ 4,208 Public deposits 2,055 2,476 Interest-rate swaps 261 353 Total $ 5,846 $ 7,037 At year end 2015 and 2014, there were no holdings of securities of any one issuer, other than U.S government-sponsored entities and agencies, in an amount greater than 10% of stockholders’ equity. The following table summarizes securities with unrealized losses at December 31, 201 5 and December 31, 201 4 aggregated by major security type and length of time in a continuous unrealized loss position. December 31, 2015 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ - $ - $ - $ - State and municipal - - - - - - Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,541 43 - - 6,541 43 Mortgage-backed securities - residential - - - - - - Collateralized mortgage obligations - - - - - - Total temporarily impaired $ 6,541 $ 43 $ - $ - $ 6,541 $ 43 December 31, 2014 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ 1,259 $ 1 $ - $ - $ 1,259 $ 1 State and municipal - - 886 11 886 11 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,011 7 - - 5,011 7 Mortgage-backed securities - residential - - - - - - Collateralized mortgage obligations - - - - - - Total temporarily impaired $ 6,270 $ 8 $ 886 $ 11 $ 7,156 $ 19 The unrealized loss es in U.S. Treasuries at December 31, 2015 and c orporate debt , state and municipal and U.S. Treasuries at December 31, 201 4 , are related to multiple securities. Because the decline in fair value is attributable to changes in market conditions, and not credit quality, and because the Company does not have the intent to sell these securities and will unlikely be required to sell these securities before their anticipated recovery, the Company did not consider these securities to be other-than-temporarily impaired at December 31, 201 5 and December 31, 201 4 .

Loans

Loans	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans	NOTE 4 – LOANS The following table presents the recorded investment in loans by portfolio segment. The recorded investment in loans includes the principal balance outstanding adjusted for purchase premiums and discounts, and deferred loan fees and costs. December 31, December 31, 2015 2014 Commercial $ 43,744 $ 46,532 Real estate: Single-family residential 81,985 51,445 Multi-family residential 28,950 28,790 Commercial 96,488 91,119 Construction 24,662 23,641 Consumer: Home equity lines of credit 21,837 16,898 Other 6,018 4,976 Subtotal 303,684 263,401 Less: ALLL (6,620) (6,316) Loans, net $ 297,064 $ 257,085 Mortgage Purchase Program : CFBank has participated in a Mortgage Purchase Program with Northpointe Bank (Northpointe), a Michigan banking corporation , since December 2012 . Pursuant to the terms of a participation agreement, CFBank purchase s participation interests in loans made by Northpointe related to fully underwritten and pre-sold mortgage loans originated by various prescreened mortgage brokers located throughout the U.S. The underlying loans are individually (MERS ) registered loans which are held until funded by the end investor. The mortgage loan investors include Fannie Mae and Freddie Mac, and other major financial institutions such as Wells Fargo Bank. This process on average takes approximately 14 days. Given the short-term holding period of the underlying loans, common credit risks (such as past due, impairment and TDR, nonperforming, and nonaccrual classification) are substantially reduced. Therefore, no allowance is allocated by CFBank to these loans. These purchased loans are classified as portfolio loans. These loans are 100% risk rated for CFBank capital adequacy purposes . North p ointe maintains an ownership interest in each loan it participates. Effective December 18, 2014, the participation agreement was amended and CFBank agreed to increase the level of interest in loans it purchases from Northpointe from 80% to 95% of the aforementioned loans. As a result, Northpointe now maintains a 5% (reduced from 20% ) ownership interest in each loan it participates. At December 31, 201 5 and 201 4 , CFBank held $43,517 and $24,996 , respectively , of such loans which have been included in single-family residential loan totals above. Allowance for L oan L oss es: The ALLL is a valuation allowance for probable incurred credit losses in the loan portfolio based on management’s evaluation of various factors including past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors. A provision for loan losses is charged to operations based on management’s periodic evaluation of these and other pertinent factors described in Note 1 of the Notes to Consolidated Financial Statements. The following tables present the activity in the ALLL by portfolio segment for the year s ended December 31, 201 5 and 201 4 : December 31, 2015 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316 Addition to (reduction in) provision for loan losses 17 96 (113) 161 119 (39) 9 250 Charge-offs (8) (40) - (25) - (41) (10) (124) Recoveries 25 1 - 33 - 113 6 178 Ending balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620 December 31, 2014 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 1,759 $ 120 $ 1,262 $ 2,325 $ 119 $ 139 $ 5 $ 5,729 Addition to (reduction in) provision for loan losses (374) 510 (444) (128) 323 304 87 278 Charge-offs (44) - - (5) - (26) - (75) Recoveries 5 4 - 349 - 24 2 384 Ending balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316 The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2015: Real Estate Consumer Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total ALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 5 $ 1 $ - $ 14 $ - $ - $ - $ 20 Collectively evaluated for impairment 1,375 690 705 2,696 561 474 99 6,600 Total ending allowance balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620 Loans: Individually evaluated for impairment $ 422 $ 289 $ 1,590 $ 3,449 $ - $ - $ - $ 5,750 Collectively evaluated for impairment 43,322 81,696 27,360 93,039 24,662 21,837 6,018 297,934 Total ending loan balance $ 43,744 $ 81,985 $ 28,950 $ 96,488 $ 24,662 $ 21,837 $ 6,018 $ 303,684 The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014: Real Estate Consumer Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total ALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 29 $ - $ 1 $ 34 $ - $ - $ - $ 64 Collectively evaluated for impairment 1,317 634 817 2,507 442 441 94 6,252 Total ending allowance balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316 Loans: Individually evaluated for impairment 630 $ 296 $ 1,631 $ 3,695 $ - $ - $ - $ 6,252 Collectively evaluated for impairment 45,902 51,149 27,159 87,424 23,641 16,898 4,976 257,149 Total ending loan balance $ 46,532 $ 51,445 $ 28,790 $ 91,119 $ 23,641 $ 16,898 $ 4,976 $ 263,401 The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2015. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial $ 36 $ 28 $ - $ 65 $ 1 Real estate: Single-family residential 322 161 - 166 - Multi-family residential 1,545 1,545 - 1,561 95 Commercial: Non-owner occupied 546 446 - 455 - Owner occupied 688 167 - 174 39 Land - - - - - Total with no allowance recorded 3,137 2,347 - 2,421 135 With an allowance recorded: Commercial 394 394 5 439 12 Real estate: Single-family residential 128 128 1 130 7 Multi-family residential 45 45 - 48 3 Commercial: Non-owner occupied 2,224 2,224 9 2,242 136 Owner occupied 363 363 1 371 20 Land 294 249 4 274 18 Total with an allowance recorded 3,448 3,403 20 3,504 196 Total $ 6,585 $ 5,750 $ 20 $ 5,925 $ 331 The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2014. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial $ 135 $ 121 $ - $ 121 $ - Real estate: Single-family residential 334 173 - 180 - Multi-family residential 1,579 1,579 - 1,631 - Commercial: Non-owner occupied 577 477 - 502 - Owner occupied 704 183 - 208 - Land - - - - - Total with no allowance recorded 3,329 2,533 - 2,642 - With an allowance recorded: Commercial 509 509 29 766 22 Real estate: Single-family residential 123 123 - 125 7 Multi-family residential 52 52 1 56 13 Commercial: Non-owner occupied 2,352 2,352 17 2,123 134 Owner occupied 380 380 2 388 25 Land 348 303 15 327 20 Total with an allowance recorded 3,764 3,719 64 3,785 221 Total $ 7,093 $ 6,252 $ 64 $ 6,427 $ 221 The following table presents the recorded investment in non performing loans by class of loans as of December 31, 201 5 and 201 4 : December 31, December 31, 2015 2014 Loans past due over 90 days still on accrual $ - $ - Nonaccrual loans: Commercial 224 369 Real estate: Single-family residential 640 549 Multi-family residential - - Commercial: Non-owner occupied 446 477 Owner occupied - - Land - - Consumer: Home equity lines of credit: Originated for portfolio 20 51 Purchased for portfolio 95 102 Total nonaccrual 1,425 1,548 Total nonperforming loans $ 1,425 $ 1,548 Nonaccrual loans include both smaller balance single-family mortgage and consumer loans that are collectively evaluated for impairment and individually classified impaired loans. There were no loans 90 days or more past due and still accruing interest at December 31, 201 5 or December 31, 201 4 . The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2015: 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ - $ 9 $ 28 $ 37 $ 43,707 $ 196 Real estate: Single-family residential 598 161 148 907 81,078 492 Multi-family residential - - - - 28,950 - Commercial: Non-owner occupied - 446 - 446 57,573 446 Owner occupied - - - - 30,169 - Land - - - - 8,300 - Construction - - - - 24,662 - Consumer: Home equity lines of credit: Originated for portfolio - - - - 20,789 20 Purchased for portfolio - - - - 1,048 95 Other - - - - 6,018 - Total $ 598 $ 616 $ 176 $ 1,390 $ 302,294 $ 1,249 The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2014: 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ 18 $ - $ 121 $ 139 $ 46,393 $ 248 Real estate: Single-family residential 521 55 68 644 50,801 481 Multi-family residential - - - - 28,790 - Commercial: Non-owner occupied 115 - - 115 48,879 477 Owner occupied - - - - 35,900 - Land - - - - 6,225 - Construction 52 - - 52 23,589 - Consumer: Home equity lines of credit: Originated for portfolio - - 51 51 15,414 - Purchased for portfolio 30 102 - 132 1,301 102 Other 5 10 - 15 4,961 - Total $ 741 $ 167 $ 240 $ 1,148 $ 262,253 $ 1,308 Troubled Debt Restructurings (TDRs) : From time to time , the terms of certain loans are modified as TDRs, where concessions are granted to borrowers experiencing financial difficulties. The modification of the terms of such loans may have included one or a combination of the following: a reduction of the stated interest rate of the loan; an increase in the stated rate of interest lower than the current market rate for new debt with similar risk; an extension of the maturity date; or a change in the payment terms. As of December 31, 201 5 and December 31, 201 4 , TDR’s totaled $5,276 and $5,655 , respectively. The Company allocated $20 and $64 of specific reserves to loans whose terms have been modified in TDRs as of December 31, 201 5 and 201 4 , respectively. The Company had not committed to lend additional amounts as of December 31, 201 5 or 201 4 to customers with outstanding loans that are classified as nonaccrual TDRs. There was one single-family residential loan and one home equity line of credit that were modifi ed as TDRs during the year ended December 31, 2015, where concessions were granted to borrowers experiencing financial difficulties. The home equity line of credit was paid off in June 2015. The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2015: Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Real estate: Single-family residential 1 $ 9 $ 9 Consumer: Home equity lines of credit: Originated for portfolio 1 9 9 2 $ 18 $ 18 The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2014: Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial 1 $ 104 $ 100 1 $ 104 $ 100 The TDRs described above resulted in charge-offs of $0 and $4 during the years ended December 31, 201 5 and 201 4, respectively . There were no loans classified as TDRs for which there was a payment default within twelve months following the modification during the year ending December 31, 2015 and 2014. The terms of certain other loans were modified during the year ended December 31, 201 5 and 201 4 that did not meet the definition of a TDR. These loans had a total recorded investment of $19,097 and $20,719 as of December 31, 201 5 and 201 4 , respectively. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties, a delay in a payment that was considered to be insignificant or there were no concessions granted. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy. Nonaccrual loans include loans that were modified and identified as TDRs and the loans are not performing. At December 31, 201 5 and 201 4 , nonaccrual TDRs were as follows: December 31, 2015 December 31, 2014 Commercial $ 195 $ 249 Real estate: Single-family residential 161 173 Multi-family residential - - Commercial: Non-owner occupied - - Owner occupied - - Total $ 356 $ 422 Nonaccrual loans at December 31, 201 5 and 201 4 did not include $4,920 and $5,233 , respectively, of TDRs where customers have established a sustained period of repayment performance, generally six months, the loans are current according to their modified terms and repayment of the remaining contractual payments is expected. These loans are included in total impaired loans. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes loans individually by classifying the loans as to credit risk. This analysis includes commercial, commercial real estate and multi-family residential real estate loans. Internal loan reviews for these loan types are performed at least annually, and more often for loans with higher credit risk. Adjustments to loan risk ratings are based on the reviews and at any time information is received that may affect risk ratings. The following definitions are used for risk ratings: Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of CFBank’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that there will be some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, condition and values, highly questionable and improbable. Loans not meeting the criteria to be classified into one of the above categories are considered to be not rated or pass-rated loans. Loans listed as not rated are included in groups of homogeneous loans. Past due information is the primary credit indicator for groups of homogenous loans. Loans listed as pass-rated loans are loans that are subject to internal loan reviews and are determined not to meet the criteria required to be classified as special mention, substandard, doubtful or loss. The recorded investment in loans by risk category and by class of loans as of December 31, 2015 and based on the most recent analysis performed follows. There were no loans rated doubtful at December 31, 2015. Not Rated Pass Special Mention Substandard Total Commercial $ 83 $ 41,473 $ 1,892 $ 296 $ 43,744 Real estate: Single-family residential 81,318 - - 667 81,985 Multi-family residential 2,777 25,466 528 179 28,950 Commercial: Non-owner occupied 125 54,674 1,852 1,368 58,019 Owner occupied - 26,923 3,079 167 30,169 Land - 5,720 - 2,580 8,300 Construction 11,252 13,410 - - 24,662 Consumer: Home equity lines of credit: Originated for portfolio 20,677 - - 112 20,789 Purchased for portfolio 802 - - 246 1,048 Other 2,172 3,846 - - 6,018 $ 119,206 $ 171,512 $ 7,351 $ 5,615 $ 303,684 The recorded investment in loans by risk category and class of loans as of December 31, 2014 follows. There were no loans rated doubtful at December 31, 2014. Not Rated Pass Special Mention Substandard Total Commercial $ 1,088 $ 44,543 $ 441 $ 460 $ 46,532 Real estate: Single-family residential 50,864 - - 581 51,445 Multi-family residential - 26,412 - 2,378 28,790 Commercial: Non-owner occupied 139 43,547 89 5,219 48,994 Owner occupied - 33,305 1,507 1,088 35,900 Land 78 3,417 - 2,730 6,225 Construction 8,645 14,996 - - 23,641 Consumer: Home equity lines of credit: Originated for portfolio 15,316 - - 149 15,465 Purchased for portfolio 857 - 313 263 1,433 Other 4,976 - - - 4,976 $ 81,963 $ 166,220 $ 2,350 $ 12,868 $ 263,401

Foreclosed Assets

Foreclosed Assets	12 Months Ended
	Dec. 31, 2015
Foreclosed Assets [Abstract]
Foreclosed Assets	NOTE 5 – FORECLOSED ASSETS Foreclosed assets at year-end were as follows: 2015 2014 Commercial real estate $ 1,636 $ 1,636 Valuation Allowance - - Total $ 1,636 $ 1,636 There was no activity in the valuation allowance account or any write-downs during the years ended December 31, 2015 and 2014. Expenses related to foreclosed assets include: 2015 2014 Net loss (gain) on sales $ - $ - Provision for unrealized losses - - Operating expenses, net of rental income 137 328 $ 137 $ 328 Foreclosed assets at December 31, 201 5 and December 31, 2014 consisted of one multi-family property that was transferred into REO at fair value at the time of transfer in 2013 . Foreclosed asset expense s incurred during 2015 and 2014 related to light rehabilitation and maintenance expense incurred to increase occupancy levels, and certain other operating costs .

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2015
Fair Value [Abstract]
Fair Value	NOTE 6 – FAIR VALUE F air value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of each type of asset and liability: Securities available for sale : The fair value of securities available for sale is determined using pricing models that vary based on asset class and include available trade, bid and other market information or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Derivatives : The fair value of derivatives, which includes yield maintenance provisions, interest rate lock commitments and interest rate swaps, is based on valuation models using observable market data as of the measurement date (Level 2). Impaired loans : The fair value of impaired loans with specific allocations of the ALLL is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for collateral-dependent impaired loans are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by a third-party appraisal management company approved by the Board of Directors annually. Once received, the loan officer or a member of the credit department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are updated as needed based on facts and circumstances associated with the individual properties. Real estate appraisals typically incorporate measures such as recent sales prices for comparable properties. Appraisers may make adjustments to the sales prices of the comparable properties as deemed appropriate based on the age, condition or general characteristics of the subject property. Management applies an additional discount to real estate appraised values, typically to reflect changes in market conditions since the date of the appraisal and to cover disposition costs (including selling expenses) based on the intended disposition method of the property. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. Loans held for sale: Loans held for sale are carried at fair value, as determined by outstanding commitments from third party investors (Level 2). Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market, and are excluded from the fair value measurement table. These loans totaled $1,833 at December 31, 2014. Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities for which the Company has elected the fair value option, are summarized below: Fair Value Measurements at December 31, 2015 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Issued by U.S. government-sponsored entities and agencies: U.S. Treasury $ 8,536 Mortgage-backed securities - residential 481 Collateralized mortgage obligations 351 Total securities available for sale $ 9,368 Loans held for sale $ 889 Yield maintenance provisions (embedded derivatives) $ 213 Interest rate lock commitments $ 8 Financial Liabilities: Interest-rate swaps $ 213 Fair Value Measurements at December 31, 2014 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 2,936 State and municipal 886 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,011 Mortgage-backed securities - residential 727 Collateralized mortgage obligations 885 Total securities available for sale $ 10,445 Loans held for sale $ 1,672 Yield maintenance provisions (embedded derivatives) $ 318 Interest rate lock commitments $ 25 Financial Liabilities: Interest-rate swaps $ 318 The Company had no assets or liabilities measured at fair value on a recurring basis that were measured using Level 1 or Level 3 inputs at December 31, 201 5 or 201 4 . There were no transfers of assets or liabilities measured at fair value between levels during 201 5 or 201 4 . Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2015 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 143 Real Estate: Single-family residential 128 Multi-family residential 45 Commercial: Non-owner occupied 2,215 Owner occupied 213 Land 245 Total impaired loans $ 2,989 Fair Value Measurements at December 31, 2014 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 157 Real Estate: Single-family residential 123 Multi-family residential - Commercial: Non-owner occupied Owner occupied 225 Land 289 Total impaired loans $ 794 The Company had no assets or liabilities measured at fair value on a non-recurring basis that were measured using Level 1 or 2 inputs at December 31, 201 5 or 201 4 . The impaired loan servicing rights, which are carried at fair value at December 31, 201 5 and December 31, 201 4 are not material based on the value of the asset. Impaired loans that are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $3,050 , with a valuation allowance of $16 at December 31, 2015. Impaired loans carried at the fair value of collateral had an unpaid principal balance of $867 with a valuation allowance of $20 at December 31, 2014 . The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2015: Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 143 Comparable sales approach Adjustment for differences between the comparable market transactions 1.10% Commercial real estate: Single-family residential 128 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.23% , 4.63% ) -.17% Multi-family residential 45 Comparable sales approach Adjustment for differences between the comparable market transactions 5.74% Commercial: Non-owner occupied 2,215 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.10% , 5.74% ) 1.35% Owner occupied 213 Comparable sales approach Adjustment for differences between the comparable market transactions -29.30% Land 245 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.89% , 2.54% ) .08% The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2014: Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 157 Income approach Adjustments by management to reflect current discount rates -16.00% Commercial real estate: Single -family residential 123 Comparable sales approach Adjustment for differences between the comparable market transactions 2.35% Commercial: Owner occupied 225 Comparable sales approach Adjustment for differences between the comparable market transactions -12.21% Land 289 Comparable sales approach Adjustment for differences between the comparable market transactions 8.10% Financial Instruments Recorded Using Fair Value Option : The Company has elected the fair value option for loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower cost or market and are not included. Interest income is recorded based on the contractual terms of the loan and in accordance with the Company’s policy on loans held for investment. None of these loans were 90 days or more past due or on nonaccrual as of December 31, 201 5 or December 31, 201 4 . As of December 31, 201 5 and December 31, 201 4 , the aggregate fair value, contractual balance and gain or loss of loans held for sale were as follows: December 31, 2015 December 31, 2014 Aggregate fair value $ 889 $ 1,672 Contractual balance 884 1,657 Gain (loss) 5 15 The total amount of gains and losses from changes in fair value included in earnings for the year ended December 31, 201 5 and 201 4 for loans held for sale were : 2015 2014 Interest income $ 56 $ 97 Interest expense - - Change in fair value (10) - Total change in fair value $ 46 $ 97 The carrying amounts and estimated fair values of financial instruments at year-end were as follows: Fair Value Measurements at December 31, 2015 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 25,895 $ 25,895 $ - $ - $ 25,895 Interest-bearing deposits in other financial institutions - - - - - Securities available for sale 9,368 - 9,368 - 9,368 Loans held for sale 889 - 889 - 889 Loans, net 297,064 - - 295,498 295,498 FHLB stock 1,942 n/a n/a n/a n/a Accrued interest receivable 831 1 21 809 831 Yield maintenance provisions (embedded derivatives) 213 - 213 - 213 Interest rate lock commitments 8 - 8 - 8 Financial liabilities Deposits $ (290,467) $ (147,523) $ (143,236) $ - $ (290,759) FHLB advances and other borrowings (14,500) - (14,693) - (14,693) Advances by borrowers for taxes and insurance (656) - - (656) (656) Subordinated debentures (5,155) - (2,269) - (2,269) Accrued interest payable (44) - (44) - (44) Interest-rate swaps (213) - (213) - (213) The carrying amounts and estimated fair values of financial instruments at December 31, 2014 were as follows: Fair Value Measurements at December 31, 2014 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 28,207 $ 28,207 $ - $ - $ 28,207 Interest-bearing deposits in other financial institutions 494 494 - - 494 Securities available for sale 10,445 - 10,445 - 10,445 Loans held for sale 1,672 - 1,672 - 1,672 Loans, net 257,085 - - 257,333 257,333 FHLB stock 1,942 n/a n/a n/a n/a Accrued interest receivable 780 2 32 746 780 Yield maintenance provisions (embedded derivatives) 318 - 318 - 318 Interest rate lock commitments 25 - 25 - 25 Financial liabilities Deposits $ (258,315) $ (121,132) $ (137,700) $ - $ (258,832) FHLB advances and other borrowings (14,500) - (14,663) - (14,663) Advances by borrowers for taxes and insurance (401) - - (401) (401) Subordinated debentures (5,155) - (2,536) - (2,536) Accrued interest payable (48) - (48) - (48) Interest-rate swaps (318) - (318) - (318) The methods and assumptions used to estimate fair value are described as follows. Cash and Cash Equivalents The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1. Interest-Bearing Deposits in Other Financial Institutions The carrying amounts of interest bearing deposits in other financial institutions approximate fair values and are classified as Level 1. FHLB Stock It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability. Loans Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. Deposits The fair values disclosed for demand deposits (e.g., interest and noninterest bearing checking, passbook savings, and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. Fair values for fixed - rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification. Other Borrowings The fair values of the Company’s long-term FHLB advances are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. The fair values for the secured borrowings are valued in the same manner as loans noted above, resulting in a L evel 3 classification. The fair values of the Company’s subordinated debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. Accrued Interest Receivable/Payable The carrying amounts of accrued interest approximate fair value resulting in a Level 1 or 2 classification, consistent with the asset or liability with which they are associated. Off-Balance-Sheet Instruments The fair value of off-balance-sheet items is not considered material.

Loan Servicing

Loan Servicing	12 Months Ended
	Dec. 31, 2015
Loan Servicing [Abstract]
Loan Servicing	NOTE 7 – LOAN SERVICING Mortgage loans serviced for others are not reported as assets. The principal balances of these loans at year-end were as follows: 2015 2014 Mortgage loans serviced for Freddie Mac $ 5,593 $ 6,560 Custodial escrow balances maintained in connection with serviced loans were $132 and $178 at year-end 2015 and 2014, respectively.

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Premises And Equipment	NOTE 8- PREMISES AND EQUIPMENT Year-end premises and equipment were as follows: 2015 2014 Land and land improvements $ 1,293 $ 1,293 Buildings 3,827 3,827 Furniture, fixtures and equipment 2,655 2,610 7,775 7,730 Less: Accumulated Depreciation (4,166) (3,955) $ 3,609 $ 3,775 Depreciation expense for 2015 and 2014 totaled $211 and $232 , respectively. Operating Leases : The Company leases certain branch and loan office property space under two operating leases. Each lease requires CFBank to absorb its pro rata share of building operating expenses and utilities based on square footage. The Company entered into a lease agreement to open a commercial banking loan production office in Woodmere, Ohio, which opened in January of 2014. The Woodmere lease is for a 128 -month term commencing January 1, 2014 with no renewal options. The Fairlawn branch is a ten year operating lease beginning in 2014 with annual rent increases each year. There is one five -year renewal option on this lease. Lease expense for years ended December 31, 2015 and 2014 totaled $319 and $320 , respectively. Leasehold improvements are depreciated straight line over the lease term before consideration of renewal options. Lease expense is recognized evenly over the lease term to account for lease incentives. Rent commitments, before renewal options, are as follows: 2016 $ 295 2017 320 2018 321 2019 322 2020 324 Thereafter 1,183 $ 2,765

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	NOTE 9 – DEPOSITS Time deposits of $100 or more were $106,574 and $109,353 at year-end 201 5 and 201 4, respectively . Scheduled maturities of time deposits for the next five years are as follows: 2016 $ 88,635 2017 26,557 2018 11,293 2019 3,316 2020 13,143 Thereafter - Total $ 142,944 Time deposits included $22,073 and $29,308 in brokered deposits at year-end 201 5 and 201 4, respectively .

FHLB Advances

FHLB Advances	12 Months Ended
	Dec. 31, 2015
FHLB Advances [Abstract]
FHLB Advances	NOTE 10 –FHLB ADVANCES Fixed Rate Advances from the FHLB were as follows: Weighted Average Rate December 31, 2015 December 31, 2014 - Fixed Rate Advances Maturities: 2015 0.35% $ - $ 2,500 2016 0.76% 5,000 5,000 2017 1.35% 1,500 1,500 2019 1.70% 2,500 - 2020 2.27% 2,500 2,500 2021 2.53% 3,000 3,000 Total $ 14,500 $ 14,500 Each advance is payable at its maturity date, with a prepayment penalty for fixed-rate advances. In January 2015, a $2,500 fixed-rate advance matured and was replaced with a $2,500 advance with a 54 -month term and a fixed-rate of 1.70% . The advances were collateralized as follows: December 31, 2015 December 31, 2014 Single-family mortgage loans $ 29,490 $ 19,978 Multi-family mortgage loans 8,185 6,291 Commercial real estate loans (1-4 family) 3,155 3,110 Securities 3,530 4,208 Cash 3,300 3,300 Total $ 47,660 $ 36,887 Based on the collateral pledged to FHLB and CFBank’s holdings of FHLB stock, CFBank was eligible to borrow up to a total of $30 ,313 from the FHLB at December 31, 2015. Immediately prior to the termination of the CFBank Order, CFBank was limited to borrowing term maturities not exceeding 365 days due to restrictions imposed by the FHLB due to the existence of the CFBank Order. With the termination of the CFBank Order effective January 23, 2014, the FHLB notified CFBank that the restriction on borrowings terms had been lifted, effective January 24, 2014. Payments due over the next five years are as follows: 2016 $ 5,000 2017 1,500 2018 - 2019 2,500 2020 2,500 Thereafter 3,000 $ 14,500

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2015
Other Borrowings [Abstract]
Other Borrowings	NOTE 11 - OTHER BORROWINGS There were no outstanding borrowings with the Federal Reserve Bank (the “FRB”) at December 31, 201 5 or at December 31, 201 4 . Assets pledged as collateral with the FRB were as follows: December 31, 2015 December 31, 2014 Commercial loans $ 19,696 $ 18,111 Commercial real estate loans 37,702 38,475 $ 57,398 $ 56,586 Based on the collateral pledged, CFBank was eligible to borrow up to $30,241 from the FRB at year-end 201 5 . CFBank had a $1.0 million line of credit with a commercial bank at both December 31, 201 5 and December 31, 201 4 . There were no outstanding borrowings on this line of credit at December 31, 201 5 or December 31, 201 4 . If CFBank were to borrow on this line of credit, interest would accrue daily at a variable rate based rate on the commercial bank’s cost of funds and current market returns. Prior to 2014, CFBank entered into certain loan participations that, according to the structure of the transactions, did not qualify for sales accounting treatment and were therefore accounted for as secured borrowings. As of January 1, 2014, there were five loan participation agreements classified as secured borrowings totaling approximately $6,500 . The maturities of the secured borrowings range from March 2016 through January 2024, with a weighted average rate of approximately 4.10% . These loans provided CFBank with the ability to repurchase the loan at its discretion. CFBank retains an ownership interest in these loans and provides customary servicing to the third-parties which are typically other community banks. During the first quarter of 2014, management amended its loan participation agreements to remove the language that disqualified the loan participations from sales accounting treatment and entered into amended loan participation agreements with the participating institutions with respect to the aforementioned loans. There were no secured borrowing transactions as of December 31, 2015 and December 31, 2014.

Subordinated Debentures

Subordinated Debentures	12 Months Ended
	Dec. 31, 2015
Subordinated Debentures [Abstract]
Subordinated Debentures	NOTE 12 – SUBORDINATED DEBENTURES In December 2003, Central Federal Capital Trust I, a trust formed by the Holding Company, closed a pooled private offering of 5,000 trust preferred securities with a liquidation amount of $1 per security. The Holding Company issued $5,155 of subordinated debentures to the trust in exchange for ownership of all of the common stock of the trust and the proceeds of the preferred securities sold by the trust . The Holding Company is not considered the primary beneficiary of this trust (variable interest entity); therefore, the trust is not consolidated in the Company’s financial statements, but rather the subordinated debentures are shown as a liability. The Holding Company’s investment in the common stock of the trust was $155 and is included in other assets. The Holding Company may redeem the subordinated debentures, in whole or in part, in a principal amount with integral multiples of $1 , on or after December 30, 2008 at 100% of the principal amount, plus accrued and unpaid interest. The subordinated debentures mature on December 30, 2033 . The subordinated debentures are also redeemable in whole or in part from time to time, upon the occurrence of specific events defined within the trust indenture. There are no required principal payments on the subordinated debentures over the next five years. The Holding Company has the option to defer interest payments on the subordinated debentures for a period not to exceed five consecutive years. The Holding Company’s Board of Directors elected to defer interest payments on the subordinated debentures from time to time beginning in December 2010 in order to preserve cash at the Holding Company . However, in June 2014 , the Holding Company paid all deferred and current interest payments in the amount of $293 , with the prior approval from the FRB. The Holding Company subsequently paid the interest current on the subordinated debentures for all quarters as of September 30, 2014 and all subsequent quarters through December 31, 2015, after receiving the prior approval or written non-objection of the FRB to make such payments as required by the terms of the Holding Company Order and the subsequent commitments made by the Company following the termination of the Holding Company Order. There were no a ccrued deferred payments at December 31, 201 5 and December 31, 201 4 . The subordinated debentures have a variable rate of interest, reset quarterly, equal to the three-month London Interbank Offered Rate plus 2.85% , which was 3.45% at year-end 201 5 and 3.11% at year-end 201 4 .

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2015
Benefit Plans [Abstract]
Benefit Plans	NOTE 13 – BENEFIT PLANS Multi-employer pension plan : CFBank participates in the Pentegra Defined Benefit Plan for Financial Institutions (the Pentegra DB Plan), a multi-employer contributory trusteed pension plan. The retirement benefits to be provided by the plan were frozen as of June 30, 2003 and future employee participation in the plan was stopped. The plan was maintained for all eligible employees and the benefits were funded as accrued. The cost of funding was charged directly to operations. The unfunded liability under the Pentegra DB Plan at June 30, 2015 totaled $36 and at June 30, 2014 was $35 . CFBank’s contributions for the plan years ending June 30, 2016 and June 30, 2015, totaled $22 , and $64 , respectively. Contributions to the plan may vary from period to period due to the change in the plan's unfunded liability. The unfunded liability is primarily related to the change in plan assets and the change in plan liability from one year to the next. The change in plan assets is based on contributions deposited, benefits paid and the actual rate of return earned on those assets. The change in plan liability is based on demographic changes and changes in the interest rates used to determine plan liability. In the event the actual rate of return earned on plan assets declines, the value of the plan assets will decline. In the event the interest rates used to determine plan liability decrease, plan liability will increase. The combined effect of each change determines the change in the unfunded liability and the change in the employer contributions. The Pentegra DB Plan is a tax-qualified defined-benefit pension plan. The Pentegra DB Plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra DB Plan. The Pentegra DB Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan contributions made by a participating employer may be used to provide benefits to participants of other participating employers. Funded status (market value of plan assets divided by funding target) based on valuation reports as of July 1, 2015 and 2014 was 96.52% and 96.51% , respectively. Total contributions made to the Pentegra DB Plan, as reported on Form 5500 of the Pentegra DB Plan, totaled $190,752 and $136,478 for the plan years ended June 30, 2014 and June 30, 2013, respectively. CFBank’s contributions to the Pentegra DB Plan were not more than 5% of the total contributions to the Pentegra DB Plan. 401(k) Plan: The Company sponsors a 401(k) plan that allows employee contributions up to the maximum amount allowable under federal tax regulations, which are currently matched in an amount equal to 25% of the first 8% of the compensation contributed. Expense for 2015 and 2014 was $52 and $28 , respectively. Salary Continuation Agreement: In 2004, CFBank entered into a nonqualified salary continuation agreement with the former Chairman Emeritus. Benefits provided under the plan are unfunded, and payments are made by CFBank. Under the plan, CFBank pays him, or his beneficiary, a benefit of $25 annually for 20 years, beginning 6 months after his retirement date, which was February 28, 2008. The expense related to this plan totaled $11 and $12 in 2015 and 2014, respectively. The accrual is included in accrued interest payable and other liabilities in the consolidated balance sheets and totaled $233 at year-end 2015 and $247 at year-end 2014. Life Insurance Benefits: CFBank has entered into agreements with certain employees, former employees and directors to provide life insurance benefits which are funded through life insurance policies purchased and owned by CFBank. The expense related to these benefits totaled ($2) and $12 in 2015 and 2014, respectively. The accrual for CFBank’s obligation under these agreements is included in accrued interest payable and other liabilities in the consolidated balance sheets and totaled $213 at year-end 2015 and $216 at year-end 2014.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	NOTE 14 – INCOME TAXES Income tax expense was as follows: 2015 2014 Current Federal $ 58 $ - Deferred Federal (3,251) - Total $ (3,193) $ - Effective tax rates differ from the federal statutory rate of 34% applied to income (loss) before income taxes due to the following: 2015 2014 Federal Statutory rate times financial statement income (loss) $ 436 $ 163 Effect of: Incentive Stock Options 33 75 Bank owned life insurance income (45) (44) Increase (decrease) in deferred tax valuation allowance (3,656) (201) Other 39 7 $ (3,193) $ - Effective tax rate -249% 0% Year-end deferred tax assets and liabilities were due to the following: 2015 2014 Deferred tax assets: Allowance for loan losses $ 1,497 $ 1,413 Post-retirement death benefits 73 73 Deferred compensation 241 169 Deferred loan fees 118 116 AMT Credit 105 75 Nonaccrual interest 132 110 Net operating loss carry forward 1,580 2,112 Other 2 67 3,748 4,135 Deferred tax liability: FHLB stock dividend 366 366 Mortgage servicing rights 4 5 Depreciation 43 14 Prepaid expenses 78 61 Mark-to-market Loans 3 33 494 479 Net deferred tax asset before valuation allowance 3,254 3,656 Deferred tax valuation allowance - (3,656) Net deferred tax asset $ 3,254 $ - Our deferred tax assets are composed of U.S. net operating losses (“NOLs”), and other temporary book to tax differences. The Company recorded a deferred tax valuation allowance which reduced the Company’s deferred tax asset to zero beginning in 2009 and continuing through the year ended December 31, 2014. The Company maintained this valuation allowance against the net deferred tax assets at December 31, 2014 based on its estimate of future reversal and utilization. As a result, there was no income tax benefit recorded for the year ended December 31, 2014. When determining the amount of deferred tax assets that are more-likely-than-not to be realized, and therefore recorded as a benefit, the Company conducts a regular assessment of all available information. This information includes, but is not limited to, taxable income in prior periods, projected future income and projected future reversals of deferred tax items. Based on these criteria, the Company determined as of December 31, 2015, in part because the Company had achieved seven consecutive quarters of pretax income, that it was no longer necessary to maintain a full valuation allowance against the entire net deferred tax asset. As a result, the valuation allowance on the deferred tax asset was reversed which resulted in a credit to income tax expense of $3.2 million. In 2012, a recapitalization program through the sale of $22.5 million in common stock improved the capital levels of the Bank and provided working capital for the holding company. The result of the change in stock ownership associated with the stock offering, within the guidelines of Section 382 of the Internal Revenue Code of 1986, was that the Company incurred an ownership change. At year-end 201 5 , the Company had net operating loss carryforwards of $25,166 , which expire at various dates from 2024 to 2033 , and has alternative minimum tax credit carryforwards of $105 , which do not expire. As a result of the ownership change, the Company's ability to utilize carryforwards that arose before the stock offering closed is limited to $163 per year. Due to this limitation, management determined it is more likely than not that $20,520 of net operating loss carryforwards will expire unutilized. As required by accounting standards, the Company reduced the carrying value of deferred tax assets, and the corresponding valuation allowance, by the $6,977 tax effect of this lost realizability. Federal income tax laws provided additional deductions, totaling $2,250 , for thrift bad debt reserves established before 1988. Accounting standards do not require a deferred tax liability to be recorded on this amount, which otherwise would total $765 at year-end 201 5 . However, if CFBank were wholly or partially liquidated or otherwise ceases to be a bank, or if tax laws were to change, this amount would have to be recaptured and a tax liability recorded. Additionally, any distributions in excess of CFBank’s current or accumulated earnings and profits would reduce amounts allocated to its bad debt reserve and create a tax liability for CFBank. The amount of additional taxable income created by such a distribution is an amount that, when reduced by the tax attributable to the income, is equal to the amount of the distribution. Thus, if CFBank makes a distribution that reduces the amount allocated to its bad debt reserve, then approximately one and one-half times the amount used would be includible in gross income for federal income tax purposes, assuming a 34% corporate income tax rate. CFBank does not intend to make distributions that would result in a recapture of any portion of its bad debt reserve. At December 31, 2015, the Company had a deferred tax asset recorded in the amount of $3.3 million, after reversing the valuation allowance mentioned above. At December 31, 201 5 , the Company had no unrecognized tax benefits recorded. The Company is subject to U.S. federal income tax and is no longer subject to federal examination for years prior to 2012.

Related-Party Transactions

Related-Party Transactions	12 Months Ended
	Dec. 31, 2015
Related-Party Transactions [Abstract]
Related-Party Transactions	NOTE 15 – RELATED-PARTY TRANSACTIONS Loans to principal officers, directors and their affiliates during 201 5 were as follows: Beginning balance $ 682 New loans 1 Effect of changes in composition of related parties - Repayments (48) Ending balance $ 635 All loans to related parties were made in the ordinary course of business under terms equivalent to those prevailing in the market for arm’s length transactions at the time of origination. Deposits from principal officers, directors, and their affiliates at year-end 201 5 and 201 4 were $262 and $550 , respectively.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2015
Stock-Based Compensation [Abstract]
Stock-Based Compensation	NOTE 16 – STOCK-BASED COMPENSATION The Company has issued awards under three stock-based compensation plans (the “Plans”), as described below. Total compensation cost that has been charged against income for those Plans totaled $134 and $265 for 2015 and 2014, respectively. The total income tax benefit was $13 and $15 for 2015 and 2014, respectively . The Plans are all stockholder-approved and provide for stock option grants and restricted stock awards to be made to directors, officers and employees. The 1999 Stock-Based Incentive Plan, which expired July 13, 2009, provided 38,778 shares of common stock for stock option grants and 15,511 shares of common stock for restricted stock awards. The 2003 Equity Compensation Plan (the “2003 Plan”), as amended and restated, provided an aggregate of 100,000 shares for stock option grants and restricted stock awards, of which up to 30,000 shares could be awarded in the form of restricted stock awards. The 2009 Equity Compensation Plan (the “2009 Plan”), which was approved by stockholders on May 21, 2009, replaced the 2003 Plan and provided for 200,000 shares, plus any remaining shares available to grant or that are later forfeited or expire under the 2003 Plan, to be made available to be issued as stock option grants, stock appreciation rights or restricted stock awards. On May 16, 2013, the Company’s stockholders approved the First Amendment to the 2009 Plan to increase the number of shares of common stock reserved for stock option grants and restricted stock awards thereunder to 1,500,000 . Stock Options: The Plans permit the grant of stock options to directors, officers and employees of the Holding Company and CFBank. Option awards are granted with an exercise price equal to the market price of the Company’s common stock on the date of grant, generally have vesting periods ranging from one to three years, and are exercisable for ten years from the date of grant. Unvested stock options immediately vest upon a change of control. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company’s common stock. The Company uses historical data to estimate option exercise and post-vesting termination behavior. Employee and management options are tracked separately. The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. There were no stock options granted or exercised during the years ended December 31, 2015 and December 31, 2014. A summary of stock option activity in the Plans for 2015 follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Outstanding at beginning of year 621,396 $ 1.56 Granted - - Exercised - - Expired (1,000) 52.10 Cancelled or Forfeited (53,700) 1.41 Outstanding at end of period 566,696 $ 1.48 7.4 $ - Expected to vest 105,002 $ 1.44 7.7 $ - Exercisable at end of period 461,694 $ 1.49 7.3 $ - During the year ended December 31, 2015, there were 53,700 stock options canceled or forfeited. Expense associated with unvested forfeited shares is reversed. Information related to the Plans during each year follows. There were no options exercised in 2015 or 2014. 2015 2014 Intrinsic value of options exercised $ - $ - Cash received from option exercises - - Tax benefit realized from option exercises - - Weighted average fair value of options granted $ 0.00 $ 0.00 As of December 31, 2015, there was $24 of total unrecognized compensation cost related to nonvested stock options granted under the Plans. The cost is expected to be recognized over a weighted-average period of 0.8 years. Substantially all of the 105,002 nonvested stock options at December 31, 2015 are expected to vest. Restricted Stock Awards: The Plans also permit the grant of restricted stock awards to directors, officers and employees. Compensation is recognized over the vesting period of the awards based on the fair value of the stock at grant date. The fair value of the stock is determined using the closing share price on the date of grant and shares generally have vesting periods of one to three years. There were 200,500 shares of restricted stock issued in 2015. No shares of restricted stock were issued in 2014. A summary of changes in the Company’s nonvested restricted shares for the year follows: Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2015 - $ - Granted 200,500 1.37 Vested - - Forfeited - - Nonvested at December 31, 2015 200,500 $ 1.37 As of December 31, 2015 and 2014, the unrecognized compensation cost related to nonvested shares granted under the Plans was $272 and $0 , respectively. There were no shares that vested during the year ended December 31, 2015. There were 807,842 shares remaining available for stock option grants and restricted stock awards under the 2009 Plan at December 31, 2015.

Preferred Stock

Preferred Stock	12 Months Ended
	Dec. 31, 2015
Preferred Stock [Abstract]
Preferred Stock	NOTE 17 – PREFERRED STOCK Series B Preferred Stock: Commencing in April 2014, the Company conducted a private placement of up to 480,000 shares of its 6.25% Non-Cumulative Convertible Perpetual Preferred Stock, Series B (“Series B Preferred Stock”) for an offering price of $25.00 per share (the “Private Placement”). Pursuant to the Private Placement, the Company sold an aggregate of 480,000 shares of Series B Preferred Stock on May 12, 2014 and July 15, 2014, for an aggregate offering price of $12,000 . The Series B Preferred Stock was sold by the Company with the assistance of McDonald Partners, LLC, as placement agent, on a best efforts basis. After payment of approximately $482 in placement fees to McDonald Partners, LLC and approximately $149 of other offering expenses, the Company’s net proceeds from its sale of the 480,000 shares of Series B Preferred Stock in the Private Placement were approximately $11,369 . For each share of Series B Preferred Stock sold in the Private Placement, the Company also agreed to issue, at no additional charge, a Warrant to purchase (i) 2.00 shares of common stock of the Company if the purchaser purchased less than $700 ( 28,000 shares) of Series B Preferred Stock in the Private Placement, or (ii) 3.25 shares of common stock if the purchaser purchased $700 ( 28,000 shares) or more of Series B Preferred Stock in the Private Placement. See Note 18-Common Stock Warrants for additional information. The Series B Preferred Stock and Warrants have not been registered under the Securities Act of 1933, as amended (the “Securities Act”), or under the securities laws of any state in reliance upon exemptions from registration thereunder, including the exemptions provided under Section 4(a)(2) of the Securities Act and Rule 506(b) promulgated thereunder. The Series B Preferred Stock and Warrants were sold solely to “accredited investors” as defined in Rule 501(a), and neither the Series B Preferred Stock or Warrants, nor any shares of common stock of the Company into which the Series B Preferred Stock may be converted or for which the Warrants may be exercised, may be resold for a period of at least six months from the date of issue without registration or an exemption from registration under the Securities Act and applicable state securities laws. However, the Company has agreed to provide certain registration rights to the holders of the Warrants pursuant to the terms of a Registration Rights Agreement between the Company and each purchaser of Series B Preferred Stock and Warrants in the Private Placement.

Common Stock Warrants

Common Stock Warrants	12 Months Ended
	Dec. 31, 2015
Common Stock Warrants [Abstract]
Common Stock Warrants	NOTE 18 – COMMON STOCK WARRANTS Series B Preferred Stock – Warrants: For each share of Series B Preferred Stock issued by the Company in the Private Placement, the Company also issued, at no additional charge, a Warrant to purchase (i) 2.00 shares of common stock of the Company if the purchaser purchased less than $700 ( 28,000 shares) of Series B Preferred Stock in the Private Placement, or (ii) 3.25 shares of common stock if the purchaser purchased $700 ( 28,000 shares) or more of Series B Preferred Stock in the Private Placement. Warrants to purchase an aggregate of 1,152,125 shares of common stock were issued by the Company to the purchasers of the 480,000 shares of Series B Preferred Stock sold in the Private Placement. Subject to certain limitations, the Warrants are exercisable for a period of approximately five (5) years expiring on July 15, 2019, at a cash purchase price of $1.85 per share of common stock.

Regulatory Capital Matters

Regulatory Capital Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	NOTE 19 – REGULATORY CAPITAL MATTERS CFBank is subject to regulatory capital requirements administered by federal banking agencies. Prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off ‑balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Prompt corrective action regulations provide five classifications for banking organizations: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a banking organization is classified as adequately capitalized, regulatory approval is required to accept brokered deposits. If a banking organization is classified as undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. In July 2013, the Holding Company’s primary federal regulator, the FRB, published final rules (the “Basel III Capital Rules”) establishing a new comprehensive capital framework for U.S. banking organizations. The rules implement the Basel Committee's December 2010 framework known as “Basel III” for strengthening international capital standards as well as certain provisions of the Dodd-Frank Act. The implementation of the Basel III Capital Rules result in higher capital requirements and more restrictive leverage and liquidity ratios than those previously in place. In addition, in order to avoid limitations on capital distributions, such as dividend payments and certain bonus payments to executive officers, the Basel III Capital Rules require insured financial institutions to hold a capital conservation buffer of common equity tier 1 capital above the minimum risk-based capital requirements. The capital conservation buffer will be phased in over time, becoming effective on January 1, 2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. The Basel III Capital Rules revise the regulatory agencies' prompt corrective action framework by incorporating the new regulatory capital minimums and updating the definition of common equity. The Basel III Capital Rules became effective for the Company on January 1, 2015, and will be fully phased in by January 1, 2019. The Company’s implementation of the new rules on January 1, 2015 did not have a material impact on our capital needs or classifications. The CFBank Order required CFBank to have an 8% Tier 1 (Core) Capital to adjusted total assets and 12% Total Capital to risk weighted assets. Although the CFBank Order was terminated by the OCC effective January 23, 2014, CFBank remained subject to the heightened capital requirements imposed by the OCC and was required to maintain an 8% Tier 1 (core) Capital ratio t o adjusted total assets and 12% Total Capital to risk weighted assets , until December 23, 2015. C FBank met the se heightened capital requirement s imposed by the OCC at December 31 , 201 5, and December 31, 201 4. See Note 2.-Regulatory Order Considerations for additional information. Actual and required capital amounts and ratios are presented below at year end : To Be Well Capitalized Under Required For Capital Applicable Regulatory Pursuant to Actual Adequacy Purposes Action Regulations OCC Commitment (1) Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total Capital to risk weighted assets $ 41,528 13.67% $ 24,310 8.00% $ 30,388 10.00% $ N/A N/A Tier 1 (Core) Capital to risk weighted assets 37,694 12.40% 18,233 6.00% 24,310 8.00% N/A N/A Common equity tier 1 capital to risk-weighted assets 37,694 12.40% 13,675 4.50% 19,752 6.50% N/A N/A Tier 1 (Core) Capital to adjusted total assets 37,694 11.12% 13,557 4.00% 16,946 5.00% N/A N/A (1) The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC. To Be Well Capitalized Under Required For Capital Applicable Regulatory Pursuant to Actual Adequacy Purposes Capital Standards OCC Commitment (2) Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31,2014 Total Capital to risk weighted assets $ 37,898 14.18% $ 21,379 8.00% $ 26,724 10.00% $ 32,069 12.00% Tier 1 (Core) Capital to risk weighted assets 34,520 12.92% 10,690 4.00% 16,034 6.00% N/A N/A Common equity tier 1 capital to risk-weighted assets N/A N/A N/A N/A N/A N/A N/A N/A Tier 1 (Core) Capital to adjusted total assets 34,520 11.03% 12,515 4.00% 15,643 5.00% 25,029 8.00% (2) The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC. The Qualified Thrift Lender test requires at least 65% of assets be maintained in housing-related finance and other specified areas . If this test is not met, limits are placed on growth, branching, new investments, FHLB advances and dividends. Management believes that this test wa s met by the Company at December 31, 201 5 . CFBank converted from a mutual to a stock institution in 1998, and a “liquidation account” was established with an initial balance of $14,300 , which was the net worth reported in the conversion prospectus. The liquidation account represents a calculated amount for the purposes described below, and it does not represent actual funds included in the consolidated financial statements of the Company. Eligible depositors who have maintained their accounts, less annual reductions to the extent they have reduced their deposits, would be entitled to a priority distribution from this account if CFBank liquidated and its assets exceeded its liabilities. Dividends may not reduce CFBank’s stockholder’s equity below the required liquidation account balance. Dividend Restrictions: The Holding Company’s principal source of funds for dividend payments is dividends received from CFBank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described above. Any future dividend payments by CFBank to the Holding Company would be based on future earnings and, if necessary, regulatory approval. Prior to January 8, 2016, any dividends by the Holding Company on its common stock or Series B Preferred Stock, and any dividends or capital contributions by CFBank to the Holding Company, were also subject to prior regulatory approval pursuant to the Orders and the commitments made by the Holding Company and CFBank in connection with the release of the Orders. The Holding Company received prior approval from the FRB for the payment of quarterly cash dividends on its Series B Preferred Stock for the quarter ended December 31, 2015 in the aggregate amount of $187 (which dividend was paid in January 2015). The Holding Company also received prior approval from the FRB for the payment of quarterly cash dividends on its Series B Preferred Stock in each of the previous quarters commencing with the first dividend payment on July 15, 2014 . The Holding Company’s ability to pay dividends on its stock is also conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities, which also requires the written non-objection of the FRB. Additionally , so long as the Company’s Series B Preferred Stock remains outstanding, the Holding Company will be prohibited from paying dividends (other than dividends payable solely in shares) on the Company’s common stock for the then-current dividend period, unless full dividends on the Series B Preferred Stock have been paid or set aside for payment. Dividends on the Series B Preferred Stock are non-cumulative, which means that if for any reason we do not declare cash dividends on the Series B Preferred Stock for a quarterly dividend period we will have no obligation to pay any dividends for that period (i.e., the dividends will not accrue or cumulate), whether or not we declare dividends on the Series B Preferred Stock for any subsequent dividend period. Additionally CFBank does not intend to make distributions to the Holding Company that would result in a recapture of any portion of its thrift bad debt reserve as discussed in Note 14-Income taxes .

Derivative Instruments

Derivative Instruments	12 Months Ended
	Dec. 31, 2015
Derivative Instruments [Abstract]
Derivative Instruments	NOTE 20 – DERIVATIVE INSTRUMENTS Interest-rate swaps: CFBank utilizes interest-rate swaps as part of its asset liability management strategy to help manage its interest rate risk position, and does not use derivatives for trading purposes. The notional amount of the interest-rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest-rate swap agreements. CFBank was party to interest-rate swaps with a combined notional amount of $2,877 at December 31, 201 5 and $3,811 at December 31, 201 4 . The objective of the interest-rate swaps is to protect the related fixed - rate commercial real estate loans from changes in fair value due to changes in interest rates. CFBank has a program whereby it lends to its borrowers at a fixed - rate with the loan agreement containing a two-way yield maintenance provision, which will be invoked in the event of prepayment of the loan, and is expected to exactly offset the fair value of unwinding the swap. The yield maintenance provision represents an embedded derivative which is bifurcated from the host loan contract and, as such, the swaps and embedded derivatives are not designated as hedges. Accordingly, both instruments are carried at fair value and changes in fair value are reported in current period earnings. CFBank currently does not have any derivatives designated as hedges. Contingent Features: The counterparty to CFBank’s interest-rate swaps is exposed to credit risk whenever the interest-rate swaps are in a liability position. At December 31, 201 5 , CFBank had $761 in securities and cash pledged as collateral for these derivatives. Should the liability increase beyond the collateral value , CFBank will be required to pledge additional collateral. Additionally, CFBank’s interest-rate swap instruments contain provisions that require CFBank to remain well capitalized under regulatory capital standards. The interest-rate swaps may be called by the counterparty if CFBank fails to maintain well-capitalized status under regulatory capital standards. As of December 31, 2015, CFBank was well-capitalized under regulatory capital standards. Summary information about the derivative instruments is as follows: 2015 2014 Notional amount $ 2,877 $ 3,811 Weighted average pay rate on interest-rate swaps 3.67% 4.06% Weighted average receive rate on interest-rate swaps 0.39% 0.18% Weighted average maturity (years) 4.0 4.3 Fair value of interest-rate swaps $ (213) $ (318) Fair value of yield maintenance provisions $ 213 $ 318 The fair value of the yield maintenance provisions and interest-rate swaps is recorded in other assets and other liabilities, respectively, in the consolidated balance sheet. Changes in the fair value of the yield maintenance provisions and interest-rate swaps are reported currently in earnings, as other noninterest income in the consolidated statements of operations. There were no net gains or losses recognized in earnings related to yield maintenance provisions and interest-rate swaps in 2015 or 2014. Mortgage banking derivatives: Commitments to fund certain mortgage loans (interest rate locks) to be sold into the secondary market are considered derivatives. These mortgage banking derivatives are not designated in hedge relationships. The Company had approximately $1,560 and $2,964 of interest rate lock commitments related to residential mortgage loans at December 31, 201 5 and 201 4 , respectively. The fair value of these mortgage banking derivatives was reflected by a derivative asset of $8 and $25 at December 31, 201 5 and 201 4 , respectively, which was included in other assets in the consolidated balance sheet. Fair values were estimated based on anticipated gains on the sale of the underlying loans. Changes in the fair values of these mortgage banking derivatives are included in net gains on sales of loans. Net gains (losses) recognized in earnings related to these mortgage banking derivatives totaled ($28) and $9 in 201 5 and 2014, respectively .

Loan Commitments And Other Rela

Loan Commitments And Other Related Activities	12 Months Ended
	Dec. 31, 2015
Loan Commitments And Other Related Activities [Abstract]
Loan Commitments And Other Related Activities	NOTE 21 – LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off ‑balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows : 2015 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 4,623 $ 15,187 $ 14,992 $ 17,339 Unused lines of credit $ 647 $ 19,764 $ 189 $ 26,955 Standby letters of credit $ 1,154 $ - $ - $ - Commitments to make loans are generally made for periods of 60 days or less, except for construction loan commitments, which are typically for a period of one year, and loans under a specific drawdown schedule, which are based on the individual contracts . The fixed-rate loan commitments had interest rates ranging from 4.25% to 6.50% and maturities ranging from 3 months to 14 years at December 31, 201 5 . The fixed-rate loan commitments had interest rates ranging from 3.25% to 5.00% and maturities ranging from 18 months to 30 years at December 31, 2014.

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2015
Parent Company Only Condensed Financial Information [Abstract]
Parent Company Only Condensed Financial Information	NOTE 22 – PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION Condensed financial information of Central Federal Corporation follows: 2015 2014 Assets Cash and cash equivalents $ 2,673 $ 3,025 Investment in banking subsidiary 37,745 34,572 Investment in and advances to other subsidiary 222 220 Other assets 3,112 2,202 Total assets $ 43,752 $ 40,019 Liabilities and Equity Subordinated debentures $ 5,155 $ 5,155 Accrued expenses and other liabilities 285 355 Stockholders' equity 38,312 34,509 Total liabilities and stockholders' equity $ 43,752 $ 40,019 2015 2014 Interest income $ 1 $ 5 Other income 291 260 Interest expense 164 164 Other expense 548 687 Loss before income tax and undistributed subsidiary income (420) (586) Tax effect 1,798 - Gain (loss) after income tax and undistributed subsidiary income 1,378 (586) Equity in undistributed subsidiary income 3,099 1,065 Net income $ 4,477 $ 479 Comprehensive income $ 4,417 $ 432 2015 2014 Cash flows from operating activities Net Income $ 4,477 $ 479 Adjustments: Effect of subsidiaries' operations (3,099) (1,065) Change in other assets and other liabilities (980) (1,142) Net cash from (used by) operating activities 398 (1,728) Cash flows from investing activities Investment in bank subsidiary - (9,700) Investments in other subsidiaries - 54 Net cash used by investing activities - (9,646) Cash flows from financing activities Stock issuance costs - - Dividends paid on Series B preferred stock (750) (233) Net proceeds from issuance of Series B preferred stock - 11,369 Net cash from (used by) financing activities (750) 11,136 Net change in cash and cash equivalents (352) (238) Beginning cash and cash equivalents 3,025 3,263 Ending cash and cash equivalents $ 2,673 $ 3,025

Earnings (Loss) Per Common Shar

Earnings (Loss) Per Common Share	12 Months Ended
	Dec. 31, 2015
Earnings (Loss) Per Common Share [Abstract]
Earnings (Loss) Per Common Share	NOTE 23 – EARNINGS (LOSS) PER COMMON SHARE The two-class method is used in the calculation of basic and diluted earnings per share. Under the two-class method, earnings available to common stockholders for the period are allocated between common stockholders and unvested share-based payment awards according to dividends declared (or accumulated) and participation rights in undistributed earnings. The factors used in the earnings per share computation follow: 2015 2014 Basic Net earnings (loss) $ 4,477 $ 479 Preferred dividends on Series B stock (857) (421) Net earnings (loss) allocated to common stockholders $ 3,620 $ 58 Weighted average common shares outstanding including unvested share-based payment awards 15,857,127 15,823,710 Less: Unvested share-based payment awards - - Average shares 15,857,127 15,823,710 Basic earnings (loss) per common share $ 0.23 $ 0.00 Diluted Net earnings (loss) allocated to common stockholders $ 3,620 $ 58 Add back: Preferred Dividends on Series B stock 857 - Net earnings (loss) allocated to fully-diluted $ 4,477 $ 58 Weighted average common shares outstanding for basic earnings (loss) per common share 15,857,127 15,823,710 Add: Dilutive effects of assumed exercises of stock options 8,473 30,279 Add: Dilutive effects of assumed exercises of Series B preferred stock 6,857,143 - Average shares and dilutive potential common shares 22,722,743 15,853,989 Diluted loss per common share $ 0.20 $ 0.00 The following potential common shares were anti-dilutive and not considered in computing diluted earnings (loss) per common share. 2015 2014 Stock options 417,058 245,381 Series B preferred stock - 6,857,143 Stock warrants 1,152,125 1,152,125

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2015
Contingent Liabilities [Abstract]
Contingent Liabilities	NOTE 24 - CONTINGENT LIABILITIES General Litigation: The Company is subject to claims and lawsuits that arise primarily in the ordinary course of business. It is the opinion of management that the disposition or ultimate resolution of such claims and lawsuits will not have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Company.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	NOTE 25 - ACCUMULATED OTHER COMPREHENSIVE INCOME The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the year ended December 31, 2015 and December 31, 2014 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive income: Changes in Accumulated Other Comprehensive Income by Component For the Year Ended December 31, 2015 and 2014 (1) Unrealized Gains and Losses on Available-for-Sale Securities 2015 2014 Accumulated other comprehensive income (loss), beginning of period $ 51 $ 98 Other comprehensive loss before reclassifications (72) (47) Less amount reclassified from accumulated other comprehensive loss (2) 12 - Net current-period other comprehensive income (loss) (60) (47) Accumulated other comprehensive income (loss), end of period $ (9) $ 51 (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There was $12 reclassified out of other comprehensive income for year ended December 31, 2015 due to an early redemption of a municipal security.

Summary of Significant Accoun34

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Nature of Operations and Principles of Consolidation	Nature of Operations and Principles of Consolidation : The consolidated financial statements include Central Federal Corporation (the “Holding Company”) and its wholly-owned subsidiary, CFBank. The Holding Company and CFBank are sometimes collectively referred to herin as the “Company”. Intercompany transactions and balances are eliminated in consolidation. CFBank provides financial services through its four full-service banking offices in Fairlawn, Calcutta, Wellsville and Worthington, Ohio, and through its loan production office in Woodmere, Ohio. Its primary deposit products are commercial and retail checking, savings, money market and term certificate accounts. Its primary lending products are commercial and commercial real estate, residential mortgages and installment loans. There are no significant concentrations of loans to any one industry or customer segment. However, our customers’ ability to repay their loans is dependent on general economic conditions and the real estate values in their geographic areas.
Use of Estimates	Use of Estimates : To prepare financial statements in conformity with U.S. generally accepted accounting principles (GAAP), management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. The allowance for loan losses (ALLL), deferred tax assets and fair values of financial instruments are particularly subject to change.
Cash Flows	Cash Flows : Cash and cash equivalents include cash, deposits with other financial institutions with maturities fewer than 90 days and federal funds sold. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and borrowings with original maturities under 90 days.
Interest-Bearing Deposits in Other Financial Institutions	Interest-Bearing Deposits in Other Financial Institutions : Interest ‑bearing deposits in other financial institutions matured at various times through November 2015 and were carried at cost. As of December 31, 2015, there were no interest-bearing deposits in other financial institutions.
Securities	Securities : Debt securities are classified as available for sale when they might be sold before maturity. Equity securities with readily determinable fair values are classified as available for sale. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income. Interest income includes amortization of purchase premium or accretion of discount. Premiums and discounts on securities are amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities and collateralized mortgage obligations where prepayments are anticipated based on industry payment trends. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (OTTI) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or will more likely than not be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.
Loans Held for Sale	Loans Held for Sale : Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are generally sold with servicing rights released. The carrying value of mortgage loans sold is reduced by the amount allocated to the servicing rights when mortgage loans held for sale are sold with servicing rights retained. Loans originated as construction loans, that were subsequently transferred to held for sale, are carried at the lower of cost or market. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.
Loans	Loans : Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, adjusted for purchase premiums and discounts, deferred loan fees and costs and an allowance for loan losses (ALLL). Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level ‑yield method without anticipating prepayments. The accrual of interest income on all classes of loans, except other consumer loans, is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Other consumer loans are typically charged off no later than 90 days past due. Past due status is based on the contractual terms of the loan for all classes of loans. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Commercial, multi-family residential real estate loans and commercial real estate loans placed on nonaccrual status are individually classified as impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income in the period in which it is placed in a nonaccrual status. Interest received on such loans is accounted for on the cash-basis or cost ‑recovery method, until qualifying for return to accrual status. Loans are considered for return to accrual status provided all the principal and interest amounts that are contractually due are brought current, there is a current and well documented credit analysis, there is reasonable assurance of repayment of principal and interest, and the customer has demonstrated sustained, amortizing payment performance of at least six months.
Concentration of Credit Risk	Concentration of Credit Risk : Most of the Company’s primary business activity is with customers located within the Ohio counties of Columbiana, Franklin, Summit, Cuyahoga and contiguous counties. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economies within these counties. Although these counties are the Company’s primary market area for loans, the Company originates residential and commercial real estate loans throughout the United States.
Allowance for Loan Losses (ALLL)	Allowance for Loan Losses (ALLL) : The ALLL is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that CFBank will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans within any loan class for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired. Factors considered by management in determining impairment for all loan classes include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. All loans within the commercial, multi-family residential and commercial real estate segments, regardless of size, and loans of all other classes with balances over $250 are individually evaluated for impairment when they are 90 days past due, or earlier than 90 days past due if information regarding the payment capacity of the borrower indicates that payment in full according to the loan terms is doubtful. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral, less costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and single-family residential real estate loans, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosures. TDRs of all classes of loans are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using each loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. If the payment of the loan is dependent on the sale of the collateral, then costs to liquidate the collateral are included when determining the impairment. For TDRs that subsequently default, the amount of reserve is determined in accordance with the accounting policy for the ALLL. Interest income on all classes of impaired loans that are on nonaccrual status is recognized in accordance with the accounting policy for nonaccrual loans. Cash receipts on all classes of impaired loans that are on nonaccrual status are generally applied to the principal balance outstanding. Interest income on all classes of impaired loans that are not on nonaccrual status is recognized on the accrual method. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note. The general reserve component covers non ‑impaired loans of all classes and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by loan class and is based on the actual loss history experienced by the Company over a three-year period. The general component is calculated based on CFBank’s loan balances and actual historical three-year historical loss rates. For loans with little or no actual loss experience, industry estimates are used based on loan segment. This actual loss experience is supplemented with other economic and judgmental factors based on the risks present for each loan class. These economic and judgmental factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: commercial loans, single-family residential real estate loans; multi-family residential real estate loans; commercial real estate loans; construction loans; home equity lines of credit; and other consumer loans. A description of each segment of the loan portfolio, along with the risk characteristics of each segment is included below: Commercial loans: Commercial loans include loans to businesses generally located within our primary market area. Those loans are generally secured by business equipment, inventory, accounts receivable and other business assets. In underwriting commercial loans, we consider the net operating income of the company, the debt service ratio and the financial strength, expertise and credit history of the business owners and/or guarantors. Because payments on commercial loans are dependent on successful operation of the business enterprise, repayment of such loans may be subject to a greater extent to adverse conditions in the economy. We seek to mitigate these risks through underwriting policies which require such loans to be qualified at origination on the basis of the enterprise’s financial performance and the financial strength of the business owners and/or guarantors. Single-family residential real estate loans: Single-family residential real estate loans include permanent conventional mortgage loans secured by single-family residences located within and outside of our primary market area. Credit approval for single-family residential real estate loans requires demonstration of sufficient income to repay the principal and interest and the real estate taxes and insurance, stability of employment and an established credit record. Our policy is to originate single-family residential real estate loans for portfolio in amounts up to 85% of the lower of the appraised value or the purchase price of the property securing the loan, without requiring private mortgage insurance. Loans in excess of 85% of the lower of the appraised value or purchase price of the property securing the loan require private mortgage insurance. CFBank has not engaged in subprime lending, used option adjustable-rate mortgage products or made loans with initial teaser rates. Multi-family residential real estate loans: Multi-family residential real estate loans include loans secured by apartment buildings, condominiums and multi-family residential houses generally located within our primary market area. Underwriting policies provide that multi-family residential real estate loans may be made in amounts up to 85% of the lower of the appraised value or purchase price of the property. In underwriting multi-family residential real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed-rate and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by multi-family residential properties are dependent on successful operation or management of the properties, repayment of multi-family residential real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate multi-family residential real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate multi-family residential real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate multi-family residential real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Commercial real estate loans: Commercial real estate loans include loans secured by owner occupied and non-owner occupied properties used for business purposes, such as manufacturing facilities, office buildings or retail facilities generally located within our primary market area. Underwriting policies provide that commercial real estate loans may be made in amounts up to 85% of the lower of the appraised value or purchase price of the property. In underwriting commercial real estate loans, we consider the appraised value and net operating income of the property, the debt service ratio and the property owner’s and/or guarantor’s financial strength, expertise and credit history. We offer both fixed and adjustable-rate loans. Fixed-rate loans are generally limited to three to five years, at which time they convert to adjustable-rate loans. Because payments on loans secured by commercial real estate properties are dependent on successful operation or management of the properties, repayment of commercial real estate loans may be subject to a greater extent to adverse conditions in the real estate market or the economy. Adjustable-rate commercial real estate loans generally pose credit risks not inherent in fixed-rate loans, primarily because as interest rates rise, the borrowers’ payments rise, increasing the potential for default. Additionally, adjustable-rate commercial real estate loans generally do not contain periodic and lifetime caps on interest rate changes. We seek to minimize the additional risk presented by adjustable-rate commercial real estate loans through underwriting criteria that require such loans to be qualified at origination with sufficient debt coverage ratios under increasing interest rate scenarios. Construction loans: Construction loans include loans to finance the construction of residential and commercial properties generally located within our primary market area. Construction loans are fixed-rate or adjustable-rate loans which may convert to permanent loans with maturities of up to 30 years. Our policies provide that construction loans may be made in amounts up to 80% of the appraised value of the property, and an independent appraisal of the property is required. Loan proceeds are disbursed in increments as construction progresses and as inspections warrant, and regular inspections are required to monitor the progress of construction. In underwriting construction loans, we consider the property owner’s and/or guarantor’s financial strength, expertise and credit history. Construction financing is considered to involve a higher degree of credit risk than long-term financing on improved, owner occupied real estate. Risk of loss on a construction loan is dependent largely upon the accuracy of the initial estimate of the property’s value at completion of construction or development compared to the estimated cost (including interest) of construction. If the estimate of value proves to be inaccurate, we may be confronted with a project, when completed, having a value which is insufficient to assure full repayment. We attempt to reduce such risks on construction loans through inspections of construction progress on the property and by requiring personal guarantees and reviewing current personal financial statements and tax returns, as well as other projects of the developer. Home equity lines of credit: Home equity lines of credit include both loans we originate for portfolio and purchased loans. We originate home equity lines of credit to customers generally within our primary market area. Home equity lines of credit are variable rate loans and the interest rate adjusts monthly at various margins above the prime rate of interest as disclosed in The Wall Street Journal. The margin is based on certain factors including the loan balance, value of collateral, election of auto-payment, and the borrower’s FICO® score. The amount of the line is based on the borrower’s credit, income and equity in the home. When combined with the balance of the prior mortgage liens, these lines generally may not exceed 89.9% of the appraised value of the property at the time of the loan commitment. The lines are secured by a subordinate lien on the underlying real estate and are, therefore, vulnerable to declines in property values in the geographic areas where the properties are located. Credit approval for home equity lines of credit requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral. Collectability of home equity lines of credit are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. In 2005 and 2006, we purchased home equity lines of credit collateralized by properties located throughout the United States. The purchased home equity lines of credit may present higher risk than the home equity lines of credit we originate for our portfolio as they include properties in geographic areas that have experienced significant declines in housing values, such as California, Florida and Virginia. We continue to monitor collateral values and borrower FICO® scores on both purchased and portfolio loans and, when the situation warrants, have frozen the lines of credit. Other consumer loans: Other consumer loans include closed-end home equity, home improvement, and auto and credit card loans to consumers generally located within our primary market area. Credit approval for other consumer loans requires income sufficient to repay principal and interest due, stability of employment, an established credit record and sufficient collateral for secured loans. Consumer loans typically have shorter terms and lower balances with higher yields as compared to real estate mortgage loans, but generally carry higher risks of default. Consumer loan collections are dependent on the borrower's continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. CFBank’s charge-off policy for commercial loans, single-family residential real estate loans, multi-family residential real estate loans, commercial real estate loans, construction loans and home equity lines of credit requires management to record a specific reserve or charge-off as soon as it is apparent that the borrower is troubled and there is, or likely will be a collateral shortfall related to the estimated value of the collateral securing the loan. Other consumer loans are typically charged off no later than 90 days past due.
Servicing Rights	Servicing Rights : When mortgage loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Due to the fact that the servicing assets are not material, no impairment analysis is performed. Servicing fee income, which is reported on the income statement as loan servicing fees, net is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal, or a fixed amount per loan, and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Loan servicing fees, net, totaled $15 and $17 for the years ended December 31, 2015 and 2014, respectively. Late fees and ancillary fees related to loan servicing are not material.
Transfers of Financial Assets	Transfers of Financial Assets : Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Assets	Foreclosed Assets : Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, an adjustment is recorded through expense. Operating costs after acquisition are expensed.
Joint Ventures	Joint Ventures: The Holding Company contributed funds into a series of joint ventures (equity stake) for the purpose of allocating excess liquidity into higher earning assets while diversifying its revenue sources. The funding for the joint ventures is related to shorter term operating activities and is related to the development of single family real estate in the form of condominiums. Income is recognized based on a rate of return on the outstanding investment balance. As units are sold, the Holding Company receives an additional incentive payment; the incentive payment is recognized as income. The balance outstanding in joint ventures at December 31, 2015 and December 31, 2014 was $1,285 and $2,184 , respectively. Income recognized on the joint ventures was $265 and $223 , respectively, for 2015 and 2014.
Premises and Equipment	Premises and Equipment : Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight ‑line method with useful lives ranging from 3 to 40 years. Furniture, fixtures and equipment are depreciated using the straight ‑line method with useful lives ranging from 2 to 25 years. Leasehold improvements are depreciated straight-line over the shorter of the useful life or the lease term.
Federal Home Loan Bank (FHLB) Stock	Federal Home Loan Bank (FHLB) stock: CFBank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
Bank Owned Life Insurance	Bank Owned Life Insurance : CFBank purchased life insurance policies on certain directors and employees in 2002. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments : Financial instruments include off ‑balance-sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, and fees associated with origination are booked to non-interest income at the origination date.
Derivatives	Derivatives : Derivative financial instruments are recognized as assets or liabilities at fair value. The Company's derivatives consist mainly of interest rate swap agreements, which are used as part of its asset liability management program to help manage interest rate risk. The Company does not use derivatives for trading purposes. The derivative transactions are considered instruments with no hedging designation, otherwise known as stand-alone derivatives. Changes in the fair value of the derivatives are reported currently in earnings, as other noninterest income.
Mortgage Banking Derivatives	Mortgage Banking Derivatives : Commitments to fund mortgage loans to be sold into the secondary market, otherwise known as interest rate locks, are accounted for as free standing derivatives. Fair values of these mortgage derivatives are based on anticipated gains on the underlying loans. Changes in the fair values of these derivatives are included in net gains on sales of loans.
Stock-Based Compensation	Stock-Based Compensation : Compensation cost is recognized for stock options and restricted stock awards issued to directors and employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the required service period for each separately vesting portion of the award.
Income Taxes	Income Taxes : Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax basis of assets and liabilities, computed using enacted tax rates. A full valuation allowance was recorded in 2009 to reduce the carrying amount of the Company’s net deferred tax asset to zero. This valuation allowance was reversed in the fourth quarter of 2015. See Note 14 – Income Taxes. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense.
Retirement Plans	Retirement Plans : Pension expense is the amount of annual contributions by the Company to the multi-employer contributory trusteed pension plan. Employee 401(k) and profit sharing plan expense is the amount of matching contributions. Supplemental retirement plan expense allocates the benefits over years of service.
Reverse Stock Split	Reverse Stock Split : Reclassifications did not impact prior period net loss or total stockholders' equity. On May 4, 2012, the Company completed a 1 -for-5 reverse stock split, whereby every 5 shares of the Company’s common stock were reclassified into one share of common stock. All share and per share amounts for all periods presented have been adjusted to reflect the reverse split as though it had occurred prior to the earliest period presented.
Earnings (Loss) Per Common Share	Earnings (Loss) Per Common Share : Basic earnings (loss) per common share is net income (loss) available to common stockholders divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options. Earnings and dividends per share are restated for all reverse stock splits through the date of issuance of the financial statements.
Comprehensive Income (Loss)	Comprehensive Income (Loss) : Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale, which are also recognized as a separate component of equity.
Loss Contingencies	Loss Contingencies : Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are any such matters that will have a material effect on the financial statements. See Note 24 – Contingent Liabilities.
Restrictions on Cash	Restrictions on Cash : Cash on hand or on deposit with the Federal Reserve Bank (FRB) is required to meet regulatory reserve and clearing requirements. Cash on deposit with the FHLB includes $3,300 pledged as collateral for FHLB advances.
Equity	Equity : Treasury stock is carried at cost. The carrying value of preferred stock and the common stock warrant is based on allocation of issuance proceeds, net of issuance costs, in proportion to their relative fair values. Preferred stock is carried net of the discount established through the allocation of proceeds.
Dividend Restriction	Dividend Restriction : Banking regulations require us to maintain certain capital levels and may limit the dividends paid by CFBank to the Holding Company or by the Holding Company to stockholders. The ability of the Holding Company to pay dividends on its common stock and Series B Preferred Stock is generally dependent upon the receipt of dividends and other distributions from CFBank. The Holding Company is a legal entity that is separate and distinct from CFBank, which has no obligation to make any dividends or other funds available for the payment of dividends by the Holding Company. The Holding Company also is subject to various legal and regulatory policies and guidelines impacting the Holding Company’s ability to pay dividends on its stock, and prior to January 8, 2016, pursuant to the Holding Company Order and the subsequent commitments made to the FRB in connection with the termination of the Holding Company Order, the Holding Company was not permitted to declare or pay dividends on its stock without the prior approval or written non-objection of the FRB. In addition, the Holding Company’s ability to pay dividends on its stock is conditioned upon the payment, on a current basis, of quarterly interest payments on the subordinated debentures underlying the Company’s trust preferred securities. Finally, so long as the Company’s Series B Preferred Stock remains outstanding, the Holding Company will be prohibited from paying dividends on (other than dividends payable solely in shares) the Company’s common stock, for the then-current dividend period, unless full dividends on the Series B Preferred Stock have been paid or set aside for payment. Dividends on the Series B Preferred Stock are non-cumulative, which means that if for any reason we do not declare cash dividends on the Series B Preferred Stock for a quarterly dividend period we will have no obligation to pay any dividends for that period (i.e., the dividends will not accrue or cumulate), whether or not we declare dividends on the Series B Preferred Stock for any subsequent dividend period.
Fair Value of Financial Instruments	Fair Value of Financial Instruments : Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 6 – Fair Value. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Operating Segments	Operating Segments : While management monitors and analyzes the revenue streams of the Company’s various products and services, the operations and financial performance is evaluated on a Company ‑wide basis. Operating results are not reviewed by senior management to make resource allocation or performance decisions. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
Reclassifications	Reclassifications: Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior period net loss or stockholders’ equity.
Adoption of New Accounting Standards	Adoption of New Accounting Standards : In January 2014, the FASB issued Accounting Standards Update (“ASU” or “Update”) 2014-01, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects (January 2014). This Update permits entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. The ASU modifies the conditions that an entity must meet to be eligible to use a method other than the equity or cost methods to account for qualified affordable housing project investments. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. The amendments in this Update should be applied retrospectively to all periods presented. Adoption of the ASU did not have a significant effect on the Company’s consolidated financial statements. In January 2014, the FASB issued ASU 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (January 2014). The objective of this Update is to reduce diversity by clarifying when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. The amendments in this Update may be adopted using either a modified retrospective transition method or a prospective transition method. Adoption of the ASU did not have a significant effect on the Company’s consolidated financial statements. In April 2014 the FASB issued ASU 2014-08, Presentation of Financial Statements (Topic 205) and Property, Plant, and Equipment (Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity (April 2014).This Update seeks to better define the groups of assets which qualify for discontinued operations, in order to ease the burden and cost for preparers and stakeholders. This update changed “the criteria for reporting discontinued operations” and related reporting requirements, including the provision for disclosures about the “disposal of an individually significant component of an entity that does not qualify for discontinued operations presentation.” The amendments in this Update are effective for fiscal years beginning after December 15, 2014. Early adoption is permitted only for disposals or classifications as held for sale. Adoption of the ASU did not have a significant effect on the Company's consolidated financial statements. In May 2014 the FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606) (May 2014). The topic of Revenue Recognition had become broad with several other regulatory agencies issuing standards, which lacked cohesion. The new guidance establishes a “comprehensive framework” and “reduces the number of requirements to which an entity must consider in recognizing revenue” and yet provides improved disclosures to assist stakeholders reviewing financial statements. The amendments in this Update are effective for annual reporting periods beginning after December 15, 2017. Early adoption is not permitted. The Company will adopt the methodologies prescribed by this ASU by the date required. Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements. In June 2014 the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures (June 2014). This Update addresses the concerns of stakeholders’ by changing the accounting practices surrounding repurchase agreements. The new guidance changes the “accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements.” The amendments in this Update are effective for annual reporting periods beginning after December 15, 2014. Adoption of the ASU did not have a significant effect on the Company's consolidated financial statements. In June 2014 the FASB issued ASU 2014-12, Compensation - Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period (June 2014). This Update defines the accounting treatment for share-based payments and “resolves the diverse accounting treatment of those awards in practice.” The new requirement mandates that “a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.” Compensation cost will now be recognized in the period in which it becomes likely that the performance target will be met. The amendments in this Update are effective for annual reporting periods beginning after December 15, 2015. Early adoption is permitted. The Company will adopt the methodologies prescribed by this ASU by the date required. Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements. The FASB has issued ASU No. 2014-15, Presentation of Financial Statements—Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern. ASU 2014-15 is intended to define management’s responsibility to evaluate whether there is substantial doubt about an organization’s ability to continue as a going concern and to provide related footnote disclosures. Under Generally Accepted Accounting Principles (GAAP), financial statements are prepared under the presumption that the reporting organization will continue to operate as a going concern, except in limited circumstances. Financial reporting under this presumption is commonly referred to as the going concern basis of accounting. The going concern basis of accounting is critical to financial reporting because it establishes the fundamental basis for measuring and classifying assets and liabilities. Currently, GAAP lacks guidance about management’s responsibility to evaluate whether there is substantial doubt about the organization’s ability to continue as a going concern or to provide related footnote disclosures. This ASU provides guidance to an organization’s management, with principles and definitions that are intended to reduce diversity in the timing and content of disclosures that are commonly provided by organizations today in the financial statement footnotes. The amendments in this update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. The Company will adopt the methodologies prescribed by this ASU by the date required. Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements. In January 2016, the FASB issued ASU 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities . ASU 2016-01 amends the guidance in U.S. GAAP on the accounting for equity investments, financial liabilities under the fair value option and the presentations and disclosure requirements of financial instruments. ASU 2016-01 is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted for the accounting guidance on financial liabilities under the fair value option. The Company will adopt the methodologies prescribed by the ASU by the date required. Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements. On February 25, 2016, FASB issued Accounting Standards Update (ASU) 2016-02, Leases (Topic 842) , the long-awaited new standard on lease accounting. Under the new ASU, lessees will recognize lease assets and liabilities on their balance sheet for all leases with terms of more than 12 months. The new lessee accounting model retains two types of leases, and is consistent with the lessee accounting model under existing GAAP. One type of lease (finance leases) will be accounted for in substantially the same manner as capital leases are accounted for today. The other type of lease (operating leases) will be accounted for (both in the income statement and statement of cash flows) in a manner consistent with today’s operating leases. Lessor accounting under the new standard is fundamentally consistent with existing GAAP. Lessees and lessors would be required to provide additional qualitative and quantitative disclosures to help financial statement users assess the amount, timing, and uncertainty of cash flows arising from leases. These disclosures are intended to supplement the amounts recorded in the financial statements so that users can understand more about the nature of an organization’s leasing activities. For public business entities, the final leases standard will be effective for fiscal years beginning after December 15, 2018 including interim periods within those fiscal years. For all other entities, the final lease standard will be effective for fiscal years beginning after December 15, 2019 and interim periods thereafter. Early application is permitted. The Company will adopt the methodologies prescribed by this ASU by the date required. Adoption of the ASU is not expected to have a significant effect on the Company's consolidated financial statements. COSO’s Internal Control Framework has been updated and enhanced. Since its release in 1992, COSO’s Internal Control – Integrated Framework has been widely accepted and adopted around the world. The updated framework, issued on May 14, 2013, maintains the fundamental elements of the original: five components of an internal control system—control environment, risk assessment, control activities, information and communication—and monitoring activities supporting three categories of objectives: effectiveness and efficiency of operations, reliability of reporting and compliance with applicable laws and regulations, structured through management’s judgment. The five components are evaluated through principles and recommended points of focus. A significant enhancement, however, is the expansion of the reporting objective to include nonfinancial and internal reporting objectives. The mandatory principles have been updated to reflect today’s business environment—an environment of increased governance, regulatory and compliance demands and increased use of technology and complex business models. The original framework could still be used through December 15, 2014; beyond that date, COSO would consider the original framework obsolete. Adoption of the updated COSO Integrated Framework did not have a material effect on the Company’s internal control environment or financial reporting.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Amortized cost and fair value of available-for-sale securities portfolio	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2015 Corporate debt $ - $ - $ - $ - State and municipal - - - - Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 8,575 4 43 8,536 Mortgage-backed securities - residential 463 18 - 481 Collateralized mortgage obligations 339 12 - 351 Total $ 9,377 $ 34 $ 43 $ 9,368 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value December 31, 2014 Corporate debt $ 2,932 $ 5 $ 1 $ 2,936 State and municipal 897 - 11 886 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,018 - 7 5,011 Mortgage-backed securities - residential 687 40 - 727 Collateralized mortgage obligations 860 25 - 885 Total $ 10,394 $ 70 $ 19 $ 10,445
Securities classified by maturity date	December 31, 2015 December 31, 2014 Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 1,002 $ 1,000 $ 4,829 $ 4,821 Due from one to five years 7,573 7,536 4,018 4,012 Mortgage-backed securities 463 481 687 727 Collateralized mortgage obligations 339 351 860 885 Total $ 9,377 $ 9,368 $ 10,394 $ 10,445
Fair value of securities pledged	2015 2014 Pledged as collateral for: FHLB advances $ 3,530 $ 4,208 Public deposits 2,055 2,476 Interest-rate swaps 261 353 Total $ 5,846 $ 7,037
Securities with unrealized losses	December 31, 2015 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ - $ - $ - $ - $ - $ - State and municipal - - - - - - Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 6,541 43 - - 6,541 43 Mortgage-backed securities - residential - - - - - - Collateralized mortgage obligations - - - - - - Total temporarily impaired $ 6,541 $ 43 $ - $ - $ 6,541 $ 43 December 31, 2014 Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Corporate debt $ 1,259 $ 1 $ - $ - $ 1,259 $ 1 State and municipal - - 886 11 886 11 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,011 7 - - 5,011 7 Mortgage-backed securities - residential - - - - - - Collateralized mortgage obligations - - - - - - Total temporarily impaired $ 6,270 $ 8 $ 886 $ 11 $ 7,156 $ 19

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Schedule of loan portfolio segments	December 31, December 31, 2015 2014 Commercial $ 43,744 $ 46,532 Real estate: Single-family residential 81,985 51,445 Multi-family residential 28,950 28,790 Commercial 96,488 91,119 Construction 24,662 23,641 Consumer: Home equity lines of credit 21,837 16,898 Other 6,018 4,976 Subtotal 303,684 263,401 Less: ALLL (6,620) (6,316) Loans, net $ 297,064 $ 257,085
Activity in ALLL by portfolio segment	December 31, 2015 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316 Addition to (reduction in) provision for loan losses 17 96 (113) 161 119 (39) 9 250 Charge-offs (8) (40) - (25) - (41) (10) (124) Recoveries 25 1 - 33 - 113 6 178 Ending balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620 December 31, 2014 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total Beginning balance $ 1,759 $ 120 $ 1,262 $ 2,325 $ 119 $ 139 $ 5 $ 5,729 Addition to (reduction in) provision for loan losses (374) 510 (444) (128) 323 304 87 278 Charge-offs (44) - - (5) - (26) - (75) Recoveries 5 4 - 349 - 24 2 384 Ending balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316
Balance in ALLL and recorded investment in loans by portfolio segment and based on impairment method	The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2015: Real Estate Consumer Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total ALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 5 $ 1 $ - $ 14 $ - $ - $ - $ 20 Collectively evaluated for impairment 1,375 690 705 2,696 561 474 99 6,600 Total ending allowance balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620 Loans: Individually evaluated for impairment $ 422 $ 289 $ 1,590 $ 3,449 $ - $ - $ - $ 5,750 Collectively evaluated for impairment 43,322 81,696 27,360 93,039 24,662 21,837 6,018 297,934 Total ending loan balance $ 43,744 $ 81,985 $ 28,950 $ 96,488 $ 24,662 $ 21,837 $ 6,018 $ 303,684 The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014: Real Estate Consumer Commercial Single- family Multi- family Commercial Construction Home Equity lines of credit Other Total ALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 29 $ - $ 1 $ 34 $ - $ - $ - $ 64 Collectively evaluated for impairment 1,317 634 817 2,507 442 441 94 6,252 Total ending allowance balance $ 1,346 $ 634 $ 818 $ 2,541 $ 442 $ 441 $ 94 $ 6,316 Loans: Individually evaluated for impairment 630 $ 296 $ 1,631 $ 3,695 $ - $ - $ - $ 6,252 Collectively evaluated for impairment 45,902 51,149 27,159 87,424 23,641 16,898 4,976 257,149 Total ending loan balance $ 46,532 $ 51,445 $ 28,790 $ 91,119 $ 23,641 $ 16,898 $ 4,976 $ 263,401
Individually evaluated for impairment by class of loans	The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2015. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial $ 36 $ 28 $ - $ 65 $ 1 Real estate: Single-family residential 322 161 - 166 - Multi-family residential 1,545 1,545 - 1,561 95 Commercial: Non-owner occupied 546 446 - 455 - Owner occupied 688 167 - 174 39 Land - - - - - Total with no allowance recorded 3,137 2,347 - 2,421 135 With an allowance recorded: Commercial 394 394 5 439 12 Real estate: Single-family residential 128 128 1 130 7 Multi-family residential 45 45 - 48 3 Commercial: Non-owner occupied 2,224 2,224 9 2,242 136 Owner occupied 363 363 1 371 20 Land 294 249 4 274 18 Total with an allowance recorded 3,448 3,403 20 3,504 196 Total $ 6,585 $ 5,750 $ 20 $ 5,925 $ 331 The following table presents loans individually evaluated for impairment by class of loans as of and for the year ended December 31, 2014. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, deferred loan fees and costs. Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial $ 135 $ 121 $ - $ 121 $ - Real estate: Single-family residential 334 173 - 180 - Multi-family residential 1,579 1,579 - 1,631 - Commercial: Non-owner occupied 577 477 - 502 - Owner occupied 704 183 - 208 - Land - - - - - Total with no allowance recorded 3,329 2,533 - 2,642 - With an allowance recorded: Commercial 509 509 29 766 22 Real estate: Single-family residential 123 123 - 125 7 Multi-family residential 52 52 1 56 13 Commercial: Non-owner occupied 2,352 2,352 17 2,123 134 Owner occupied 380 380 2 388 25 Land 348 303 15 327 20 Total with an allowance recorded 3,764 3,719 64 3,785 221 Total $ 7,093 $ 6,252 $ 64 $ 6,427 $ 221
Recorded investment in nonaccrual loans by class of loans	December 31, December 31, 2015 2014 Loans past due over 90 days still on accrual $ - $ - Nonaccrual loans: Commercial 224 369 Real estate: Single-family residential 640 549 Multi-family residential - - Commercial: Non-owner occupied 446 477 Owner occupied - - Land - - Consumer: Home equity lines of credit: Originated for portfolio 20 51 Purchased for portfolio 95 102 Total nonaccrual 1,425 1,548 Total nonperforming loans $ 1,425 $ 1,548
Aging of recorded investment in past due loans by class of loans	The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2015: 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ - $ 9 $ 28 $ 37 $ 43,707 $ 196 Real estate: Single-family residential 598 161 148 907 81,078 492 Multi-family residential - - - - 28,950 - Commercial: Non-owner occupied - 446 - 446 57,573 446 Owner occupied - - - - 30,169 - Land - - - - 8,300 - Construction - - - - 24,662 - Consumer: Home equity lines of credit: Originated for portfolio - - - - 20,789 20 Purchased for portfolio - - - - 1,048 95 Other - - - - 6,018 - Total $ 598 $ 616 $ 176 $ 1,390 $ 302,294 $ 1,249 The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2014: 30 - 59 Days Past Due 60 - 89 Days Past Due Greater than 90 Days Past Due Total Past Due Loans Not Past Due Nonaccrual Loans Not > 90 days Past Due Commercial $ 18 $ - $ 121 $ 139 $ 46,393 $ 248 Real estate: Single-family residential 521 55 68 644 50,801 481 Multi-family residential - - - - 28,790 - Commercial: Non-owner occupied 115 - - 115 48,879 477 Owner occupied - - - - 35,900 - Land - - - - 6,225 - Construction 52 - - 52 23,589 - Consumer: Home equity lines of credit: Originated for portfolio - - 51 51 15,414 - Purchased for portfolio 30 102 - 132 1,301 102 Other 5 10 - 15 4,961 - Total $ 741 $ 167 $ 240 $ 1,148 $ 262,253 $ 1,308
Loans modified as TDRs by class of loans	The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2015: Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Real estate: Single-family residential 1 $ 9 $ 9 Consumer: Home equity lines of credit: Originated for portfolio 1 9 9 2 $ 18 $ 18 The following table presents loans modified as TDRs by class of loans during the year ended December 31, 2014: Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial 1 $ 104 $ 100 1 $ 104 $ 100
Schedule of debtor troubled debt restructuring, subsequent periods	December 31, 2015 December 31, 2014 Commercial $ 195 $ 249 Real estate: Single-family residential 161 173 Multi-family residential - - Commercial: Non-owner occupied - - Owner occupied - - Total $ 356 $ 422
Financing receivable credit quality indicators	The recorded investment in loans by risk category and by class of loans as of December 31, 2015 and based on the most recent analysis performed follows. There were no loans rated doubtful at December 31, 2015. Not Rated Pass Special Mention Substandard Total Commercial $ 83 $ 41,473 $ 1,892 $ 296 $ 43,744 Real estate: Single-family residential 81,318 - - 667 81,985 Multi-family residential 2,777 25,466 528 179 28,950 Commercial: Non-owner occupied 125 54,674 1,852 1,368 58,019 Owner occupied - 26,923 3,079 167 30,169 Land - 5,720 - 2,580 8,300 Construction 11,252 13,410 - - 24,662 Consumer: Home equity lines of credit: Originated for portfolio 20,677 - - 112 20,789 Purchased for portfolio 802 - - 246 1,048 Other 2,172 3,846 - - 6,018 $ 119,206 $ 171,512 $ 7,351 $ 5,615 $ 303,684 The recorded investment in loans by risk category and class of loans as of December 31, 2014 follows. There were no loans rated doubtful at December 31, 2014. Not Rated Pass Special Mention Substandard Total Commercial $ 1,088 $ 44,543 $ 441 $ 460 $ 46,532 Real estate: Single-family residential 50,864 - - 581 51,445 Multi-family residential - 26,412 - 2,378 28,790 Commercial: Non-owner occupied 139 43,547 89 5,219 48,994 Owner occupied - 33,305 1,507 1,088 35,900 Land 78 3,417 - 2,730 6,225 Construction 8,645 14,996 - - 23,641 Consumer: Home equity lines of credit: Originated for portfolio 15,316 - - 149 15,465 Purchased for portfolio 857 - 313 263 1,433 Other 4,976 - - - 4,976 $ 81,963 $ 166,220 $ 2,350 $ 12,868 $ 263,401

Foreclosed Assets (Tables)

Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Foreclosed Assets [Abstract]
Foreclosed assets	2015 2014 Commercial real estate $ 1,636 $ 1,636 Valuation Allowance - - Total $ 1,636 $ 1,636
Expenses related to foreclosed assets	2015 2014 Net loss (gain) on sales $ - $ - Provision for unrealized losses - - Operating expenses, net of rental income 137 328 $ 137 $ 328

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value [Abstract]
Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities	Fair Value Measurements at December 31, 2015 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Issued by U.S. government-sponsored entities and agencies: U.S. Treasury $ 8,536 Mortgage-backed securities - residential 481 Collateralized mortgage obligations 351 Total securities available for sale $ 9,368 Loans held for sale $ 889 Yield maintenance provisions (embedded derivatives) $ 213 Interest rate lock commitments $ 8 Financial Liabilities: Interest-rate swaps $ 213 Fair Value Measurements at December 31, 2014 Using Significant Other Observable Inputs (Level 2) Financial Assets: Securities available for sale: Corporate debt $ 2,936 State and municipal 886 Issued by U.S. government-sponsored entities and agencies: U.S. Treasury 5,011 Mortgage-backed securities - residential 727 Collateralized mortgage obligations 885 Total securities available for sale $ 10,445 Loans held for sale $ 1,672 Yield maintenance provisions (embedded derivatives) $ 318 Interest rate lock commitments $ 25 Financial Liabilities: Interest-rate swaps $ 318
Assets measured at fair value on a non-recurring basis	Fair Value Measurements at December 31, 2015 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 143 Real Estate: Single-family residential 128 Multi-family residential 45 Commercial: Non-owner occupied 2,215 Owner occupied 213 Land 245 Total impaired loans $ 2,989 Fair Value Measurements at December 31, 2014 Using Significant Unobservable Inputs (Level 3) Impaired loans: Commercial $ 157 Real Estate: Single-family residential 123 Multi-family residential - Commercial: Non-owner occupied Owner occupied 225 Land 289 Total impaired loans $ 794
Financial instruments measured at fair value on a non-recurring basis	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2015: Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 143 Comparable sales approach Adjustment for differences between the comparable market transactions 1.10% Commercial real estate: Single-family residential 128 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.23% , 4.63% ) -.17% Multi-family residential 45 Comparable sales approach Adjustment for differences between the comparable market transactions 5.74% Commercial: Non-owner occupied 2,215 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.10% , 5.74% ) 1.35% Owner occupied 213 Comparable sales approach Adjustment for differences between the comparable market transactions -29.30% Land 245 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.89% , 2.54% ) .08% The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2014: Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average Impaired loans: Commercial $ 157 Income approach Adjustments by management to reflect current discount rates -16.00% Commercial real estate: Single -family residential 123 Comparable sales approach Adjustment for differences between the comparable market transactions 2.35% Commercial: Owner occupied 225 Comparable sales approach Adjustment for differences between the comparable market transactions -12.21% Land 289 Comparable sales approach Adjustment for differences between the comparable market transactions 8.10%
Aggregate fair value, contractual balance (including accrued interest) and gain or loss	December 31, 2015 December 31, 2014 Aggregate fair value $ 889 $ 1,672 Contractual balance 884 1,657 Gain (loss) 5 15
Amount of gains and losses from changes in fair value included in earnings	2015 2014 Interest income $ 56 $ 97 Interest expense - - Change in fair value (10) - Total change in fair value $ 46 $ 97
Carrying amounts and estimated fair values of financial instruments	The carrying amounts and estimated fair values of financial instruments at year-end were as follows: Fair Value Measurements at December 31, 2015 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 25,895 $ 25,895 $ - $ - $ 25,895 Interest-bearing deposits in other financial institutions - - - - - Securities available for sale 9,368 - 9,368 - 9,368 Loans held for sale 889 - 889 - 889 Loans, net 297,064 - - 295,498 295,498 FHLB stock 1,942 n/a n/a n/a n/a Accrued interest receivable 831 1 21 809 831 Yield maintenance provisions (embedded derivatives) 213 - 213 - 213 Interest rate lock commitments 8 - 8 - 8 Financial liabilities Deposits $ (290,467) $ (147,523) $ (143,236) $ - $ (290,759) FHLB advances and other borrowings (14,500) - (14,693) - (14,693) Advances by borrowers for taxes and insurance (656) - - (656) (656) Subordinated debentures (5,155) - (2,269) - (2,269) Accrued interest payable (44) - (44) - (44) Interest-rate swaps (213) - (213) - (213) The carrying amounts and estimated fair values of financial instruments at December 31, 2014 were as follows: Fair Value Measurements at December 31, 2014 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 28,207 $ 28,207 $ - $ - $ 28,207 Interest-bearing deposits in other financial institutions 494 494 - - 494 Securities available for sale 10,445 - 10,445 - 10,445 Loans held for sale 1,672 - 1,672 - 1,672 Loans, net 257,085 - - 257,333 257,333 FHLB stock 1,942 n/a n/a n/a n/a Accrued interest receivable 780 2 32 746 780 Yield maintenance provisions (embedded derivatives) 318 - 318 - 318 Interest rate lock commitments 25 - 25 - 25 Financial liabilities Deposits $ (258,315) $ (121,132) $ (137,700) $ - $ (258,832) FHLB advances and other borrowings (14,500) - (14,663) - (14,663) Advances by borrowers for taxes and insurance (401) - - (401) (401) Subordinated debentures (5,155) - (2,536) - (2,536) Accrued interest payable (48) - (48) - (48) Interest-rate swaps (318) - (318) - (318)

Loan Servicing (Tables)

Loan Servicing (Tables)	12 Months Ended
	Dec. 31, 2015
Loan Servicing [Abstract]
Principal Balances of Mortgage Loans at Year-End	2015 2014 Mortgage loans serviced for Freddie Mac $ 5,593 $ 6,560

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Year-End Premises and Equipment	2015 2014 Land and land improvements $ 1,293 $ 1,293 Buildings 3,827 3,827 Furniture, fixtures and equipment 2,655 2,610 7,775 7,730 Less: Accumulated Depreciation (4,166) (3,955) $ 3,609 $ 3,775
Rent Commitments	2016 $ 295 2017 320 2018 321 2019 322 2020 324 Thereafter 1,183 $ 2,765

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Scheduled Maturities of Time Deposits	2016 $ 88,635 2017 26,557 2018 11,293 2019 3,316 2020 13,143 Thereafter - Total $ 142,944

FHLB Advances (Tables)

FHLB Advances (Tables)	12 Months Ended
	Dec. 31, 2015
FHLB Advances [Abstract]
Advances from the FHLB	Weighted Average Rate December 31, 2015 December 31, 2014 - Fixed Rate Advances Maturities: 2015 0.35% $ - $ 2,500 2016 0.76% 5,000 5,000 2017 1.35% 1,500 1,500 2019 1.70% 2,500 - 2020 2.27% 2,500 2,500 2021 2.53% 3,000 3,000 Total $ 14,500 $ 14,500
Schedule of federal home loan advances pledged by assets	December 31, 2015 December 31, 2014 Single-family mortgage loans $ 29,490 $ 19,978 Multi-family mortgage loans 8,185 6,291 Commercial real estate loans (1-4 family) 3,155 3,110 Securities 3,530 4,208 Cash 3,300 3,300 Total $ 47,660 $ 36,887
Federal home loan advances outstanding maturity period	2016 $ 5,000 2017 1,500 2018 - 2019 2,500 2020 2,500 Thereafter 3,000 $ 14,500

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Other Borrowings [Abstract]
Assets pledged as collateral with FRB	December 31, 2015 December 31, 2014 Commercial loans $ 19,696 $ 18,111 Commercial real estate loans 37,702 38,475 $ 57,398 $ 56,586

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Tax Expense	2015 2014 Current Federal $ 58 $ - Deferred Federal (3,251) - Total $ (3,193) $ -
Effective Tax Rates Differ from Federal Statutory Rate	2015 2014 Federal Statutory rate times financial statement income (loss) $ 436 $ 163 Effect of: Incentive Stock Options 33 75 Bank owned life insurance income (45) (44) Increase (decrease) in deferred tax valuation allowance (3,656) (201) Other 39 7 $ (3,193) $ - Effective tax rate -249% 0%
Deferred Tax Assets and Liabilities	2015 2014 Deferred tax assets: Allowance for loan losses $ 1,497 $ 1,413 Post-retirement death benefits 73 73 Deferred compensation 241 169 Deferred loan fees 118 116 AMT Credit 105 75 Nonaccrual interest 132 110 Net operating loss carry forward 1,580 2,112 Other 2 67 3,748 4,135 Deferred tax liability: FHLB stock dividend 366 366 Mortgage servicing rights 4 5 Depreciation 43 14 Prepaid expenses 78 61 Mark-to-market Loans 3 33 494 479 Net deferred tax asset before valuation allowance 3,254 3,656 Deferred tax valuation allowance - (3,656) Net deferred tax asset $ 3,254 $ -

Related-Party Transactions (Tab

Related-Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2015
Related-Party Transactions [Abstract]
Loans to Principal Officers, Directors and Affiliates	Beginning balance $ 682 New loans 1 Effect of changes in composition of related parties - Repayments (48) Ending balance $ 635

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Stock-Based Compensation [Abstract]
Summary Of Stock Option Activity	Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Outstanding at beginning of year 621,396 $ 1.56 Granted - - Exercised - - Expired (1,000) 52.10 Cancelled or Forfeited (53,700) 1.41 Outstanding at end of period 566,696 $ 1.48 7.4 $ - Expected to vest 105,002 $ 1.44 7.7 $ - Exercisable at end of period 461,694 $ 1.49 7.3 $ -
Information related to the Plans	2015 2014 Intrinsic value of options exercised $ - $ - Cash received from option exercises - - Tax benefit realized from option exercises - - Weighted average fair value of options granted $ 0.00 $ 0.00
Summary of changes in the Company's nonvested restricted shares	Nonvested Shares Shares Weighted Average Grant-Date Fair Value Nonvested at January 1, 2015 - $ - Granted 200,500 1.37 Vested - - Forfeited - - Nonvested at December 31, 2015 200,500 $ 1.37

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Capital Matters [Abstract]
Actual and required capital amounts and ratios of CFBank	To Be Well Capitalized Under Required For Capital Applicable Regulatory Pursuant to Actual Adequacy Purposes Action Regulations OCC Commitment (1) Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total Capital to risk weighted assets $ 41,528 13.67% $ 24,310 8.00% $ 30,388 10.00% $ N/A N/A Tier 1 (Core) Capital to risk weighted assets 37,694 12.40% 18,233 6.00% 24,310 8.00% N/A N/A Common equity tier 1 capital to risk-weighted assets 37,694 12.40% 13,675 4.50% 19,752 6.50% N/A N/A Tier 1 (Core) Capital to adjusted total assets 37,694 11.12% 13,557 4.00% 16,946 5.00% N/A N/A (1) The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC. To Be Well Capitalized Under Required For Capital Applicable Regulatory Pursuant to Actual Adequacy Purposes Capital Standards OCC Commitment (2) Amount Ratio Amount Ratio Amount Ratio Amount Ratio December 31,2014 Total Capital to risk weighted assets $ 37,898 14.18% $ 21,379 8.00% $ 26,724 10.00% $ 32,069 12.00% Tier 1 (Core) Capital to risk weighted assets 34,520 12.92% 10,690 4.00% 16,034 6.00% N/A N/A Common equity tier 1 capital to risk-weighted assets N/A N/A N/A N/A N/A N/A N/A N/A Tier 1 (Core) Capital to adjusted total assets 34,520 11.03% 12,515 4.00% 15,643 5.00% 25,029 8.00% (2) The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC.

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments [Abstract]
Summary of derivative instruments	2015 2014 Notional amount $ 2,877 $ 3,811 Weighted average pay rate on interest-rate swaps 3.67% 4.06% Weighted average receive rate on interest-rate swaps 0.39% 0.18% Weighted average maturity (years) 4.0 4.3 Fair value of interest-rate swaps $ (213) $ (318) Fair value of yield maintenance provisions $ 213 $ 318

Loan Commitments And Other Re49

Loan Commitments And Other Related Activities (Tables)	12 Months Ended
	Dec. 31, 2015
Loan Commitments And Other Related Activities [Abstract]
Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk	2015 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 4,623 $ 15,187 $ 14,992 $ 17,339 Unused lines of credit $ 647 $ 19,764 $ 189 $ 26,955 Standby letters of credit $ 1,154 $ - $ - $ -

Parent Company Only Condensed50

Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Only Condensed Financial Information [Abstract]
Condensed Balance Sheets	2015 2014 Assets Cash and cash equivalents $ 2,673 $ 3,025 Investment in banking subsidiary 37,745 34,572 Investment in and advances to other subsidiary 222 220 Other assets 3,112 2,202 Total assets $ 43,752 $ 40,019 Liabilities and Equity Subordinated debentures $ 5,155 $ 5,155 Accrued expenses and other liabilities 285 355 Stockholders' equity 38,312 34,509 Total liabilities and stockholders' equity $ 43,752 $ 40,019
Condensed Statements of Operations	2015 2014 Interest income $ 1 $ 5 Other income 291 260 Interest expense 164 164 Other expense 548 687 Loss before income tax and undistributed subsidiary income (420) (586) Tax effect 1,798 - Gain (loss) after income tax and undistributed subsidiary income 1,378 (586) Equity in undistributed subsidiary income 3,099 1,065 Net income $ 4,477 $ 479 Comprehensive income $ 4,417 $ 432
Condensed Statements of Cash Flows	2015 2014 Cash flows from operating activities Net Income $ 4,477 $ 479 Adjustments: Effect of subsidiaries' operations (3,099) (1,065) Change in other assets and other liabilities (980) (1,142) Net cash from (used by) operating activities 398 (1,728) Cash flows from investing activities Investment in bank subsidiary - (9,700) Investments in other subsidiaries - 54 Net cash used by investing activities - (9,646) Cash flows from financing activities Stock issuance costs - - Dividends paid on Series B preferred stock (750) (233) Net proceeds from issuance of Series B preferred stock - 11,369 Net cash from (used by) financing activities (750) 11,136 Net change in cash and cash equivalents (352) (238) Beginning cash and cash equivalents 3,025 3,263 Ending cash and cash equivalents $ 2,673 $ 3,025

Earnings (Loss) Per Common Sh51

Earnings (Loss) Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings (Loss) Per Common Share [Abstract]
Computation of Earnings Per Share	2015 2014 Basic Net earnings (loss) $ 4,477 $ 479 Preferred dividends on Series B stock (857) (421) Net earnings (loss) allocated to common stockholders $ 3,620 $ 58 Weighted average common shares outstanding including unvested share-based payment awards 15,857,127 15,823,710 Less: Unvested share-based payment awards - - Average shares 15,857,127 15,823,710 Basic earnings (loss) per common share $ 0.23 $ 0.00 Diluted Net earnings (loss) allocated to common stockholders $ 3,620 $ 58 Add back: Preferred Dividends on Series B stock 857 - Net earnings (loss) allocated to fully-diluted $ 4,477 $ 58 Weighted average common shares outstanding for basic earnings (loss) per common share 15,857,127 15,823,710 Add: Dilutive effects of assumed exercises of stock options 8,473 30,279 Add: Dilutive effects of assumed exercises of Series B preferred stock 6,857,143 - Average shares and dilutive potential common shares 22,722,743 15,853,989 Diluted loss per common share $ 0.20 $ 0.00
Summary of Anti-Dilutive Options or Warrants	2015 2014 Stock options 417,058 245,381 Series B preferred stock - 6,857,143 Stock warrants 1,152,125 1,152,125

Accumulated Other Comprehensi52

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	Changes in Accumulated Other Comprehensive Income by Component For the Year Ended December 31, 2015 and 2014 (1) Unrealized Gains and Losses on Available-for-Sale Securities 2015 2014 Accumulated other comprehensive income (loss), beginning of period $ 51 $ 98 Other comprehensive loss before reclassifications (72) (47) Less amount reclassified from accumulated other comprehensive loss (2) 12 - Net current-period other comprehensive income (loss) (60) (47) Accumulated other comprehensive income (loss), end of period $ (9) $ 51 (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There was $12 reclassified out of other comprehensive income for year ended December 31, 2015 due to an early redemption of a municipal security.

Summary of Significant Accoun53

Summary of Significant Accounting Policies (Details)	May. 04, 2012	Dec. 31, 2015USD ($)store	Dec. 31, 2014USD ($)
Significant Accounting Policies [Line Items]
Number of full-service banking offices | store		4
Interest-bearing deposits in other financial institutions			$ 494,000
Minimum balance of loans individually evaluated for impairment		$ 250,000
Loan servicing fees, net		15,000	$ 17,000
Net deferred tax asset		$ 3,254,000
Tax benefit greater than being realized on examination		50.00%
Stock split description		On May 4, 2012, the Company completed a 1-for-5 reverse stock split, whereby every 5 shares of the Company's common stock were reclassified into one share of common stock.
Reverse stock split ratio	0.2
Collateral pledged to secure advances		$ 47,660,000	$ 36,887,000
Cash [Member]
Significant Accounting Policies [Line Items]
Collateral pledged to secure advances		$ 3,300,000	3,300,000
Minimum [Member] | Buildings and related components [Member]
Significant Accounting Policies [Line Items]
Estimated useful life		3 years
Minimum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life		2 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Home equity lines of credit combined with the balance of the prior mortgage liens		89.90%
Maximum [Member] | Buildings and related components [Member]
Significant Accounting Policies [Line Items]
Estimated useful life		40 years
Maximum [Member] | Furniture, fixtures and equipment [Member]
Significant Accounting Policies [Line Items]
Estimated useful life		25 years
Single-Family Mortgage Loans [Member]
Significant Accounting Policies [Line Items]
Collateral pledged to secure advances		$ 29,490,000	19,978,000
Single-Family Mortgage Loans [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral		85.00%
Multi-Family Mortgage Loans [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral		85.00%
Collateral pledged to secure advances		$ 8,185,000	6,291,000
Multi-Family Mortgage Loans [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period		3 years
Multi-Family Mortgage Loans [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period		5 years
Commercial Real Estate [Member]
Significant Accounting Policies [Line Items]
Collateral pledged to secure advances		$ 3,155,000	$ 3,110,000
Commercial Real Estate [Member] | Minimum [Member]
Significant Accounting Policies [Line Items]
Fixed rates loans limit, period		3 years
Commercial Real Estate [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral		85.00%
Fixed rates loans limit, period		5 years
Construction Loans [Member] | Maximum [Member]
Significant Accounting Policies [Line Items]
Lending amount up to the percentage of collateral		80.00%
Maturity of construction loans convert to permanent loans		30 years

Regulatory Order Consideratio54

Regulatory Order Considerations (Details) - USD ($)	3 Months Ended				12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Regulatory Order Considarations [Line Items]
Core capital	5.00%				5.00%	5.00%
Total risk-based capital	10.00%				10.00%	10.00%
Individualized workout plans on minimum critical assets amount					$ 250,000
Preferred stock quarterly cash dividends					$ 750,000	$ 421,000
CF Bank [Member]
Regulatory Order Considarations [Line Items]
Core capital	8.00%				8.00%	8.00%
Total risk-based capital	12.00%				12.00%	12.00%
Series B Preferred Stock [Member]
Regulatory Order Considarations [Line Items]
Preferred stock quarterly cash dividends	$ 187,500	$ 187,500	$ 187,500	$ 187,500

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment	$ 0	$ 0
Unrealized loss	$ 43	$ 19
Issued by U.S. Government-Sponsored Entities and Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Minimum percentage of securities held	10.00%	10.00%
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Unrealized loss
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Unrealized loss

Securities (Amortized Cost And

Securities (Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 9,377	$ 10,394
Gross Unrealized Gains	34	70
Gross Unrealized Losses	43	19
Fair Value	$ 9,368	10,445
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost		2,932
Gross Unrealized Gains		5
Gross Unrealized Losses		1
Fair Value		2,936
State and Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost		897
Gross Unrealized Gains
Gross Unrealized Losses		11
Fair Value		886
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 8,575	5,018
Gross Unrealized Gains	4
Gross Unrealized Losses	43	7
Fair Value	8,536	5,011
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	463	687
Gross Unrealized Gains	18	40
Fair Value	481	727
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	339	860
Gross Unrealized Gains	12	25
Fair Value	$ 351	$ 885

Securities (Amortized Cost an57

Securities (Amortized Cost and Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 1,002	$ 4,829
Due from one to five years, Amortized Cost	7,573	4,018
Amortized Cost	9,377	10,394
Due in one year or less, Fair Value	1,000	4,821
Due from one to five years, Fair Value	7,536	4,012
Available-for-sale Securities, Total	9,368	10,445
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	463	687
Available-for-sale Securities, Total	481	727
Collateralized Mortgage Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
Amortized Cost	339	860
Available-for-sale Securities, Total	$ 351	$ 885

Securities (Fair value Of Secur

Securities (Fair value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Pledged as collateral for:
FHLB advances	$ 3,530	$ 4,208
Public deposits	2,055	2,476
Interest-rate swaps	261	353
Total	$ 5,846	$ 7,037

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 6,541	$ 6,270
Less than 12 Months, Unrealized Loss	$ 43	8
12 Months or More, Fair Value		886
12 Months or More, Unrealized Loss		11
Total, Fair Value	$ 6,541	7,156
Total, Unrealized Loss	$ 43	19
Corporate Debt [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value		1,259
Less than 12 Months, Unrealized Loss		$ 1
12 Months or More, Fair Value
12 Months or More, Unrealized Loss
Total, Fair Value		$ 1,259
Total, Unrealized Loss		1
State and Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value
Less than 12 Months, Unrealized Loss
12 Months or More, Fair Value		886
12 Months or More, Unrealized Loss		11
Total, Fair Value		886
Total, Unrealized Loss		11
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 6,541	5,011
Less than 12 Months, Unrealized Loss	$ 43	$ 7
12 Months or More, Fair Value
12 Months or More, Unrealized Loss
Total, Fair Value	$ 6,541	$ 5,011
Total, Unrealized Loss	$ 43	$ 7
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value
Less than 12 Months, Unrealized Loss
12 Months or More, Fair Value
12 Months or More, Unrealized Loss
Total, Fair Value
Total, Unrealized Loss
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value
Less than 12 Months, Unrealized Loss
12 Months or More, Fair Value
12 Months or More, Unrealized Loss
Total, Fair Value
Total, Unrealized Loss

Loans (Narrative) (Details)

Loans (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 297,064	$ 257,085
Loans 90 days or more past due and still accruing interest
Total TDR's	$ 5,276,000	$ 5,655,000
Allocated specific reserves to modified TDRs	$ 20	$ 64
Number of loans modified as a TDR | loan	2	1
TDR's charge-offs	$ 0	$ 4
Number of TDRs in payment default | loan	0	0
Northpointe [Member] | Mortgage Purchase Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Percent of loans risk rated for capital adequacy	100.00%
Percent of participation agreement interest	95.00%	80.00%
Ownership interest in each loan is participates	5.00%	20.00%
Nonaccrual [Member] | Commitments to Lend Additional Amounts [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's	$ 0	$ 0
Single-Family Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans modified as a TDR | loan	1
Single-Family Mortgage Loans [Member] | Northpointe [Member] | Mortgage Purchase Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 43,517	24,996
Home Equity Line of Credit, Originated Portfolio [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of loans modified as a TDR | loan	1
Other Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's	$ 19,097	20,719
Accruing [Member]
Accounts Notes And Loans Receivable [Line Items]
Total TDR's	$ 4,920	$ 5,233

Loans (Recorded Investment In l

Loans (Recorded Investment In loans By Portfolio Segment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts Notes And Loans Receivable [Line Items]
Subtotal	$ 303,684	$ 263,401
Less: ALLL	(6,620)	(6,316)	$ (5,729)
Loans, net	297,064	257,085
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	43,744	46,532
Less: ALLL	(1,380)	(1,346)	(1,759)
Single-Family Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	81,985	51,445
Less: ALLL	(691)	(634)	(120)
Multi-Family Mortgage Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	28,950	28,790
Less: ALLL	(705)	(818)	(1,262)
Commercial Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	96,488	91,119
Less: ALLL	(2,710)	(2,541)	(2,325)
Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	24,662	23,641
Less: ALLL	(561)	(442)	(119)
Home Equity Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	21,837	16,898
Less: ALLL	(474)	(441)	(139)
Other Consumer [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	6,018	4,976
Less: ALLL	$ (99)	$ (94)	$ (5)

Loans (Activity In ALLL By Port

Loans (Activity In ALLL By Portfolio Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 6,316	$ 5,729
Addition to (reduction in) provision for loan losses	250	278
Charge-offs	(124)	(75)
Recoveries	178	384
Ending balance	6,620	6,316
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,346	1,759
Addition to (reduction in) provision for loan losses	17	(374)
Charge-offs	(8)	(44)
Recoveries	25	5
Ending balance	1,380	1,346
Single-Family Mortgage Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	634	120
Addition to (reduction in) provision for loan losses	96	510
Charge-offs	(40)
Recoveries	1	4
Ending balance	691	634
Multi-Family Mortgage Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	818	1,262
Addition to (reduction in) provision for loan losses	(113)	(444)
Ending balance	705	818
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,541	2,325
Addition to (reduction in) provision for loan losses	161	(128)
Charge-offs	(25)	(5)
Recoveries	33	349
Ending balance	2,710	2,541
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	442	119
Addition to (reduction in) provision for loan losses	119	323
Ending balance	561	442
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	441	139
Addition to (reduction in) provision for loan losses	(39)	304
Charge-offs	(41)	(26)
Recoveries	113	24
Ending balance	474	441
Other Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	94	5
Addition to (reduction in) provision for loan losses	9	87
Charge-offs	(10)
Recoveries	6	2
Ending balance	$ 99	$ 94

Loans (Balance In ALLL And Reco

Loans (Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 20	$ 64
Collectively evaluated for impairment	6,600	6,252
Total ending allowance balance	6,620	6,316	$ 5,729
Individually evaluated for impairment	5,750	6,252
Collectively evaluated for impairment	297,934	257,149
Subtotal	303,684	263,401
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	5	29
Collectively evaluated for impairment	1,375	1,317
Total ending allowance balance	1,380	1,346	1,759
Individually evaluated for impairment	422	630
Collectively evaluated for impairment	43,322	45,902
Subtotal	43,744	46,532
Single-Family Mortgage Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	1
Collectively evaluated for impairment	690	634
Total ending allowance balance	691	634	120
Individually evaluated for impairment	289	296
Collectively evaluated for impairment	81,696	51,149
Subtotal	81,985	51,445
Multi-Family Mortgage Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment		1
Collectively evaluated for impairment	705	817
Total ending allowance balance	705	818	1,262
Individually evaluated for impairment	1,590	1,631
Collectively evaluated for impairment	27,360	27,159
Subtotal	28,950	28,790
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	14	34
Collectively evaluated for impairment	2,696	2,507
Total ending allowance balance	2,710	2,541	2,325
Individually evaluated for impairment	3,449	3,695
Collectively evaluated for impairment	93,039	87,424
Subtotal	96,488	91,119
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	561	442
Total ending allowance balance	561	442	119
Collectively evaluated for impairment	24,662	23,641
Subtotal	24,662	23,641
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	474	441
Total ending allowance balance	474	441	139
Collectively evaluated for impairment	21,837	16,898
Subtotal	21,837	16,898
Other Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	99	94
Total ending allowance balance	99	94	$ 5
Collectively evaluated for impairment	6,018	4,976
Subtotal	$ 6,018	$ 4,976

Loans (Individually Evaluated F

Loans (Individually Evaluated For Impairment By Class Of Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 3,137	$ 3,329
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	3,448	3,764
Impaired Financing Receivable, Unpaid Principal Balance, Total	6,585	7,093
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,347	2,533
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,403	3,719
Impaired Financing Receivable, Recorded Investment, Total	5,750	6,252
Impaired Financing Receivable, Allocated Loans and Leases	20	64
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	2,421	2,642
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,504	3,785
Impaired Financing Receivable, Average Recorded Investment, Total	5,925	6,427
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	135
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	196	221
Impaired Financing Receivable, Interest Income Recognized, Total	331	221
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	36	135
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	394	509
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	28	121
Impaired Financing Receivable, with Related Allowance, Recorded Investment	394	509
Impaired Financing Receivable, Allocated Loans and Leases	5	29
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	65	121
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	439	766
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	1
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	12	22
Single-Family Mortgage Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	322	334
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	128	123
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	161	173
Impaired Financing Receivable, with Related Allowance, Recorded Investment	128	123
Impaired Financing Receivable, Allocated Loans and Leases	1
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	166	180
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	130	125
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	7	7
Multi-Family Mortgage Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,545	1,579
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	45	52
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,545	1,579
Impaired Financing Receivable, with Related Allowance, Recorded Investment	45	52
Impaired Financing Receivable, Allocated Loans and Leases		1
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,561	1,631
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	48	56
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	95
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	3	13
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	546	577
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	2,224	2,352
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	446	477
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,224	2,352
Impaired Financing Receivable, Allocated Loans and Leases	9	17
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	455	502
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	2,242	2,123
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	136	134
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	688	704
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	363	380
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	167	183
Impaired Financing Receivable, with Related Allowance, Recorded Investment	363	380
Impaired Financing Receivable, Allocated Loans and Leases	1	2
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	174	208
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	371	388
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	39
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	20	25
Real Estate, Commercial, Land [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	294	348
Impaired Financing Receivable, with Related Allowance, Recorded Investment	249	303
Impaired Financing Receivable, Allocated Loans and Leases	4	15
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	274	327
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 18	$ 20

Loans (Recorded Investment In N

Loans (Recorded Investment In Nonaccrual Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due over 90 days still on accrual
Total nonaccrual and nonperforming loans	$ 1,425	$ 1,548
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	224	369
Single-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 640	$ 549
Multi-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 446	$ 477
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Real Estate, Commercial, Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 20	$ 51
Home Equity Line of Credit, Purchased Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	95	102
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 1,425	$ 1,548

Loans (Aging Of Recorded Invest

Loans (Aging Of Recorded Investment In Past Due Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	$ 598	$ 741
60 - 89 Days Past Due	616	167
Greater than 90 Days Past Due	176	240
Total Past Due	1,390	1,148
Loans Not Past Due	302,294	262,253
Nonaccrual Loans Not > 90 Days Past Due	1,249	1,308
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		18
60 - 89 Days Past Due	9
Greater than 90 Days Past Due	28	121
Total Past Due	37	139
Loans Not Past Due	43,707	46,393
Nonaccrual Loans Not > 90 Days Past Due	196	248
Single-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due	598	521
60 - 89 Days Past Due	161	55
Greater than 90 Days Past Due	148	68
Total Past Due	907	644
Loans Not Past Due	81,078	50,801
Nonaccrual Loans Not > 90 Days Past Due	492	481
Multi-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	28,950	28,790
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		115
60 - 89 Days Past Due	446
Total Past Due	446	115
Loans Not Past Due	57,573	48,879
Nonaccrual Loans Not > 90 Days Past Due	446	477
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	30,169	35,900
Real Estate, Commercial, Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	8,300	6,225
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		52
Total Past Due		52
Loans Not Past Due	24,662	23,589
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Greater than 90 Days Past Due		51
Total Past Due		51
Loans Not Past Due	20,789	15,414
Nonaccrual Loans Not > 90 Days Past Due	20
Home Equity Line of Credit, Purchased Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		30
60 - 89 Days Past Due		102
Total Past Due		132
Loans Not Past Due	1,048	1,301
Nonaccrual Loans Not > 90 Days Past Due	95	102
Other Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		5
60 - 89 Days Past Due		10
Total Past Due		15
Loans Not Past Due	$ 6,018	$ 4,961

Loans (Loans Modified As TDRs B

Loans (Loans Modified As TDRs By Class Of Loans) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	2	1
Pre-Modification Outstanding Recorded Investment	$ 18	$ 104
Post-Modification Outstanding Recorded Investment	18	100
Financing Receivable, Modifications, Recorded Investment	$ 5,276,000	$ 5,655,000
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan		1
Pre-Modification Outstanding Recorded Investment		$ 104
Post-Modification Outstanding Recorded Investment		$ 100
Single-Family Mortgage Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 9
Post-Modification Outstanding Recorded Investment	$ 9
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 9
Post-Modification Outstanding Recorded Investment	$ 9

Loans (Schedule of Debtor Troub

Loans (Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	$ 356	$ 422
Financing Receivable Recorded Investment Nonaccrual Status	1,425	1,548
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	195	249
Financing Receivable Recorded Investment Nonaccrual Status	224	369
Single-Family Mortgage Loans [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total	161	173
Financing Receivable Recorded Investment Nonaccrual Status	$ 640	$ 549
Multi-Family Mortgage Loans [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total
Financing Receivable Recorded Investment Nonaccrual Status
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total
Financing Receivable Recorded Investment Nonaccrual Status	$ 446	$ 477
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual Troubled Debt Restructurings, Total
Financing Receivable Recorded Investment Nonaccrual Status

Loans (Financing Receivables Cr

Loans (Financing Receivables Credit Quality Indicators) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 303,684	$ 263,401
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	119,206	81,963
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	171,512	166,220
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,351	2,350
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,615	12,868
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	43,744	46,532
Commercial [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	83	1,088
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	41,473	44,543
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,892	441
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	296	460
Single-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	81,985	51,445
Single-Family Mortgage Loans [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	81,318	50,864
Single-Family Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	667	581
Multi-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	28,950	28,790
Multi-Family Mortgage Loans [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,777
Multi-Family Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	25,466	26,412
Multi-Family Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	528
Multi-Family Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	179	2,378
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	96,488	91,119
Real Estate, Commercial, Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	58,019	48,994
Real Estate, Commercial, Non-Owner Occupied [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	125	139
Real Estate, Commercial, Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	54,674	43,547
Real Estate, Commercial, Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,852	89
Real Estate, Commercial, Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,368	5,219
Real Estate, Commercial, Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,169	35,900
Real Estate, Commercial, Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	26,923	33,305
Real Estate, Commercial, Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,079	1,507
Real Estate, Commercial, Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	167	1,088
Real Estate, Commercial, Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,300	6,225
Real Estate, Commercial, Land [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		78
Real Estate, Commercial, Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,720	3,417
Real Estate, Commercial, Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,580	2,730
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,662	23,641
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	11,252	8,645
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	13,410	14,996
Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	21,837	16,898
Home Equity Line of Credit, Originated Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	20,789	15,465
Home Equity Line of Credit, Originated Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	20,677	15,316
Home Equity Line of Credit, Originated Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	112	149
Home Equity Line of Credit, Purchased Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,048	1,433
Home Equity Line of Credit, Purchased Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	802	857
Home Equity Line of Credit, Purchased Portfolio [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		313
Home Equity Line of Credit, Purchased Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	246	263
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,018	4,976
Other Consumer [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,172	$ 4,976
Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 3,846

Foreclosed Assets (Narrative) (

Foreclosed Assets (Narrative) (Details) - property	Dec. 31, 2015	Dec. 31, 2014
Multi-Family Mortgage Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Number of properties	1	1

Foreclosed Assets (Foreclosed A

Foreclosed Assets (Foreclosed Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Valuation allowance
Foreclosed assets, net	$ 1,636	$ 1,636
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	$ 1,636	$ 1,636

Foreclosed Assets (Expenses Rel

Foreclosed Assets (Expenses Related To Foreclosed Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Foreclosed Assets [Abstract]
Net loss (gain) on sales
Provision for unrealized losses
Operating expenses, net of rental income	$ 137	$ 328
Foreclosed assets, net	$ 137	$ 328

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 889	$ 1,672
Unpaid principal balance of impairment loan at collateral	3,050	867
Valuation allowance	16	20
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a nonrecurring basis	0	0
Liabilities measured at fair value on a nonrecurring basis	0	0
Fair Value, Inputs, Level 2 [Member] | Construction Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale		1,833
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	0	0
Liabilities measured at fair value on a recurring basis	0	0
Assets measured at fair value on a nonrecurring basis	0	0
Liabilities measured at fair value on a nonrecurring basis	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets measured at fair value on a recurring basis	0	0
Liabilities measured at fair value on a recurring basis	$ 0	$ 0

Fair Value (Assets And Liabilit

Fair Value (Assets And Liabilities Measured At Fair Value On A Recurring Basis, Including Financial Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financial Assets:
Total securities available for sale	$ 9,368	$ 10,445
Loans held for sale	889	1,672
Yield maintenance provisions	213	318
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	9,368	10,445
Loans held for sale	889	1,672
Fair Value, Measurements, Recurring [Member] | Corporate Debt [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale		2,936
Fair Value, Measurements, Recurring [Member] | State and Municipal [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale		886
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	8,536	5,011
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	481	727
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	351	885
Fair Value, Measurements, Recurring [Member] | Yield maintenance provisions (embedded derivatives) [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Yield maintenance provisions	213	318
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments	8	25
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
Interest-rate swaps	$ 213	$ 318

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	$ 6,585	$ 7,093
Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	2,989	794
Commercial [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	143	157
Single-Family Mortgage Loans [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	128	$ 123
Multi-Family Mortgage Loans [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	45
Real Estate, Commercial, Non-Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	2,215
Real Estate, Commercial, Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	213	$ 225
Real Estate, Commercial, Land [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans	$ 245	$ 289

Fair Value (Financial Instrumen

Fair Value (Financial Instruments Measured At Fair Value On A Non-Recurring Basis) (Details) - Financial instruments measured at fair value on a non-recurring basis [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Commercial [Member] | Income approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value		$ 157
Commercial [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 143
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Commercial [Member] | Weighted Average [Member] | Income approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average		(16.00%)
Commercial [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	1.10%
Single-Family Mortgage Loans [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 128	$ 123
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Single-Family Mortgage Loans [Member] | Minimum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	(1.23%)
Single-Family Mortgage Loans [Member] | Maximum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	4.63%
Single-Family Mortgage Loans [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	(0.17%)	2.35%
Multi-Family Mortgage Loans [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 45
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Multi-Family Mortgage Loans [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	5.74%
Real Estate, Commercial, Non-Owner Occupied [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 2,215
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Real Estate, Commercial, Non-Owner Occupied [Member] | Minimum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	1.10%
Real Estate, Commercial, Non-Owner Occupied [Member] | Maximum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	5.74%
Real Estate, Commercial, Non-Owner Occupied [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	1.35%
Real Estate, Commercial, Owner Occupied [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 213	$ 225
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Real Estate, Commercial, Owner Occupied [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	(29.30%)	(12.21%)
Real Estate, Commercial, Land [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 245	$ 289
Valuation Technique(s)	Comparable sales approach
Unobservable Inputs	Adjustment for differences between the comparable market transactions
Real Estate, Commercial, Land [Member] | Minimum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	(1.89%)
Real Estate, Commercial, Land [Member] | Maximum [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	2.54%
Real Estate, Commercial, Land [Member] | Weighted Average [Member] | Comparable sales approach [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
(Range) Weighted Average	0.08%	8.10%

Fair Value (Aggregate Fair Valu

Fair Value (Aggregate Fair Value, Contractual Balance (Including Accrued Interest) And Gain Or Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value [Abstract]
Aggregate fair value	$ 889	$ 1,672
Contractual balance	884	1,657
Gain (loss)	$ 5	$ 15

Fair Value (Amount Of Gains And

Fair Value (Amount Of Gains And Losses From Changes In Fair Value Included In Earnings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value [Abstract]
Interest income	$ 56	$ 97
Interest expense
Change in fair value	$ (10)
Total change in fair value	$ 46	$ 97

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financial assets
Sales of securities	$ 9,368	$ 10,445
Loans held for sale	889	1,672
Yield maintenance provisions	213	318
Financial liabilities
Advances by borrowers for taxes and insurance	(656)	(401)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	$ 25,895	28,207
Interest-bearing deposits in other financial institutions		494
Sales of securities	$ 9,368	10,445
Loans held for sale	889	1,672
Loans, net	297,064	257,085
FHLB stock	1,942	1,942
Accrued interest receivable	831	780
Yield maintenance provisions	213	318
Interest rate lock commitments	8	25
Financial liabilities
Deposits	(290,467)	(258,315)
FHLB advances and other borrowings	(14,500)	(14,500)
Advances by borrowers for taxes and insurance	(656)	(401)
Subordinated debentures	(5,155)	(5,155)
Accrued interest payable	(44)	(48)
Interest-rate swaps	(213)	(318)
Fair Value [Member]
Financial assets
Cash and cash equivalents	$ 25,895	28,207
Interest-bearing deposits in other financial institutions		494
Sales of securities	$ 9,368	10,445
Loans held for sale	889	1,672
Loans, net	295,498	257,333
Accrued interest receivable	831	780
Yield maintenance provisions	213	318
Interest rate lock commitments	8	25
Financial liabilities
Deposits	(290,759)	(258,832)
FHLB advances and other borrowings	(14,693)	(14,663)
Advances by borrowers for taxes and insurance	(656)	(401)
Subordinated debentures	(2,269)	(2,536)
Accrued interest payable	(44)	(48)
Interest-rate swaps	(213)	(318)
Fair Value [Member] | Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	$ 25,895	28,207
Interest-bearing deposits in other financial institutions		494
Accrued interest receivable	$ 1	2
Financial liabilities
Deposits	$ (147,523)	(121,132)
Fair Value [Member] | Fair Value, Inputs, Level 2 [Member]
Financial assets
Interest-bearing deposits in other financial institutions
Sales of securities	$ 9,368	10,445
Loans held for sale	889	1,672
Accrued interest receivable	21	32
Yield maintenance provisions	213	318
Interest rate lock commitments	8	25
Financial liabilities
Deposits	(143,236)	(137,700)
FHLB advances and other borrowings	(14,693)	(14,663)
Subordinated debentures	(2,269)	(2,536)
Accrued interest payable	(44)	(48)
Interest-rate swaps	$ (213)	(318)
Fair Value [Member] | Fair Value, Inputs, Level 3 [Member]
Financial assets
Interest-bearing deposits in other financial institutions
Loans, net	$ 295,498	257,333
Accrued interest receivable	809	746
Financial liabilities
Advances by borrowers for taxes and insurance	$ (656)	$ (401)

Loan Servicing (Narrative) (Det

Loan Servicing (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loan Servicing [Abstract]
Custodial escrow balances maintained in connection with serviced loans	$ 132	$ 178

Loan Servicing (Principal Balan

Loan Servicing (Principal Balances of Mortgage Loans at Year-End) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loan Servicing [Abstract]
Mortgage loans serviced for Freddie Mac	$ 5,593	$ 6,560

Premises And Equipment (Narrati

Premises And Equipment (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)
Property, Plant and Equipment [Line Items]
Depreciation	$ 211	$ 232
Number of operating leases | contract	2
Lease expenses	$ 319	$ 320
Woodmere Lease [Member]
Property, Plant and Equipment [Line Items]
Operating lease term	128 months
Fairlawn Branch [Member]
Property, Plant and Equipment [Line Items]
Operating lease term	10 years
Renewal option term	5 years

Premises And Equipment (Year-En

Premises And Equipment (Year-End Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Premises And Equipment [Abstract]
Land and land improvements	$ 1,293	$ 1,293
Buildings	3,827	3,827
Furniture, fixtures and equipment	2,655	2,610
Premises and equipment, gross	7,775	7,730
Less: accumulated depreciation	(4,166)	(3,955)
Premises and equipment, net	$ 3,609	$ 3,775

Premises And Equipment (Rent Co

Premises And Equipment (Rent Commitments) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Premises And Equipment [Abstract]
2,016	$ 295
2,017	320
2,018	321
2,019	322
2,020	324
Thereafter	1,183
Total	$ 2,765

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Time deposits	$ 106,574	$ 109,353
Brokered deposits	$ 22,073	$ 29,308

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities of Time Deposits) (Details)	Dec. 31, 2015USD ($)
Deposits [Abstract]
2,016	$ 88,635,000
2,017	26,557,000
2,018	11,293,000
2,019	3,316,000
2,020	$ 13,143,000
Thereafter
Total	$ 142,944,000

FHLB Advances (Narrative) (Deta

FHLB Advances (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Jan. 31, 2015
FHLB Advances [Abstract]
Amount available of FHLB	$ 30,313,000	$ 2,500,000
FHLB advance term	54 months
Weighted average rate		1.70%

FHLB Advances (Advances From FH

FHLB Advances (Advances From FHLB) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Jan. 31, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate		1.70%
Total fixed rate advances	$ 14,500		$ 14,500
2015 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate			0.35%
Total fixed rate advances			$ 2,500
2016 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate			0.76%
Total fixed rate advances	$ 5,000		$ 5,000
2017 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate	1.35%
Total fixed rate advances	$ 1,500		1,500
2019 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate	1.70%
Total fixed rate advances	$ 2,500
2020 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate	2.27%
Total fixed rate advances	$ 2,500		2,500
2021 [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average rate	2.53%
Total fixed rate advances	$ 3,000		$ 3,000

FHLB Advances (Schedule Of Fede

FHLB Advances (Schedule Of Federal Home Loan Advances Pledged By Assets) (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	$ 47,660,000	$ 36,887,000
Securities [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	3,530,000	4,208,000
Cash [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	3,300,000	3,300,000
Single-Family Mortgage Loans [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	29,490,000	19,978,000
Multi-Family Mortgage Loans [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	8,185,000	6,291,000
Commercial Real Estate [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Collateral pledged to secure advances	$ 3,155,000	$ 3,110,000

FHLB Advances - Federal Home Lo

FHLB Advances - Federal Home Loan Advances Outstanding Maturity Period (Details) $ in Thousands	Dec. 31, 2015USD ($)
FHLB Advances [Abstract]
2,016	$ 5,000
2,017	$ 1,500
2,018
2,019	$ 2,500
2,020	2,500
Thereafter	3,000
Total	$ 14,500

Other Borrowings (Narrative) (D

Other Borrowings (Narrative) (Details)	Jan. 01, 2014USD ($)loan	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Debt Disclosure [Line Items]
Line of credit with a commercial bank		$ 1,000,000	$ 1,000,000
Number of loans used as collateral for secured borrowings | loan	5
Secured borrowings	$ 6,500,000	0	0
Federal Reserve Bank Advances [Member]
Debt Disclosure [Line Items]
Outstanding borrowings		0	0
Debt instrument maximum borrowing capacity amount		30,241,000
Line of Credit [Member]
Debt Disclosure [Line Items]
Outstanding borrowings		$ 0	$ 0
Maturities Range From March 2016 Through January 2024 [Member]
Debt Disclosure [Line Items]
Secured borrowings weighted average rate		4.10%

Other Borrowings (Assets Pledge

Other Borrowings (Assets Pledged As Collateral With FRB) (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	$ 57,398,000	$ 56,586,000
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	19,696,000	18,111,000
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets pledged as collateral with the FRB	$ 37,702,000	$ 38,475,000

Subordinated Debentures (Detail

Subordinated Debentures (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2008	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures	$ 5,155,000	$ 5,155,000			$ 5,155,000
Holding Company's investment in the common stock	155,000
Holding Company may redeem the subordinated debentures in a principal amount with integral multiples				$ 1
Percentage in which holding company redeem subordinated debentures				100.00%
Cumulative deferred interest payments	0	0	$ 293,000
Current interest paid	$ 2,612,000	$ 2,097,000
Private Placement [Member]
Subsidiary, Sale of Stock [Line Items]
Holding Company, closed a pooled private offering					5,000
Trust preferred securities with a liquidation amount					$ 1
Subordinated Debentures Maturing On December 30,2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Maturity date of subordinated debentures	Dec. 30, 2033
Trust preferred securities and subordinated debentures have a stated percentage	3.45%	3.11%
Subordinated [Member]
Subsidiary, Sale of Stock [Line Items]
Number of years with no principal repayment	5 years
Maximum number of years for deferred interest payments	5 years
London Interbank Offered Rate [Member]
Subsidiary, Sale of Stock [Line Items]
Trust preferred securities and subordinated debentures have a variable rate of interest	2.85%	2.85%

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Jun. 30, 2013
Life Insurance Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense		$ (2)		$ 12
Accrued interest payable and other liabilities Total		$ 213		216
401 (k) plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Percentage of amount allowable under federal tax regulations		25.00%
Percentage of compensation contributed under federal tax regulations		8.00%
Benefit plan expense		$ 52		28
Salary Continuation Agreement [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Benefit plan expense		11		12
Accrued interest payable and other liabilities Total		233		$ 247
Annual benefit for 20 years		$ 25
Duration of Annual benefit		20 years
Multi-employer pension plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Unfunded liability			$ 36		$ 35
CFBank's contributions			$ 64
Funded status			96.52%		96.51%
Total contributions made to Pentegra DB Plan					$ 190,752	$ 136,478
Percentage of amount allowable under federal tax regulations					5.00%	5.00%
Multi-employer pension plan [Member] | Scenario, Forecast [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
CFBank's contributions	$ 22

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)item	Dec. 31, 2014USD ($)	Dec. 31, 2013	Dec. 31, 2012USD ($)
Tax effect	$ (3,193,000)
Number of consecutive quarters of pretax income | item	7
Proceeds from sale of common stock				$ 22,500,000
Net operating loss carry forwards	$ 25,166,000
Alternative minimum tax credit carryforwards	105,000	$ 75,000
Carryforwards utilize limit before the stock offering closed	163,000
Unutilized operating loss carryforwards that will expire	20,520,000
Reduced deferred tax assets and valuation allowance	6,977,000
Deferred tax liability to be recorded	$ 765,000
Federal income tax rate	34.00%	34.00%	34.00%
Additional bad debt deductions provided by Federal income tax laws	$ 2,250,000
Deferred tax asset	3,300,000
Unrecognized tax benefits	$ 0
Minimum [Member]
Net operating loss carryforwards expiration year	2,024
Maximum [Member]
Net operating loss carryforwards expiration year	2,033

Income Taxes (Income Tax Expens

Income Taxes (Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Current federal	$ 58
Deferred federal	(3,251)
Income tax (expense) benefit	(3,193)
Parent Company [Member]
Income tax (expense) benefit	$ 1,798

Income Taxes (Effective Tax Rat

Income Taxes (Effective Tax Rates Differ from Federal Statutory Rate) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Federal income tax rate	34.00%	34.00%	34.00%
Federal statutory rate times financial statement income (loss)	$ 436	$ 163
Incentive Stock Options	33	75
Bank owned life insurance income	(45)	(44)
Increase (decrease) in deferred tax valuation allowance	(3,656)	(201)
Other	39	$ 7
Income tax (expense) benefit	$ (3,193)
Effective tax rate	(249.00%)	0.00%
Parent Company [Member]
Income tax (expense) benefit	$ 1,798

Income Taxes (Deferred Tax Asse

Income Taxes (Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for loan losses	$ 1,497	$ 1,413
Post-retirement death benefits	73	73
Deferred compensation	241	169
Deferred loan fees	118	116
ATM Credit	105	75
Nonaccrual interest	132	110
Net operating loss carryforward	1,580	2,112
Other	2	67
Gross deferred tax assets	3,748	4,135
Deferred tax liabilities:
FHLB stock dividend	366	366
Mortgage servicing rights	4	5
Depreciation	43	14
Prepaid expenses	78	61
Mark-to-market Loans	3	33
Deferred tax liabilities	494	479
Net deferred tax asset before valuation allowance	3,254	3,656
Deferred tax valuation allowance		$ (3,656)
Net deferred tax asset	$ 3,254

Related-Party Transactions (Nar

Related-Party Transactions (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Related-Party Transactions [Abstract]
Deposits from principal officers, directors, and their affiliates	$ 262	$ 550

Related-Party Transactions (Loa

Related-Party Transactions (Loans to Principal Officers, Directors and Affiliates) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Related-Party Transactions [Abstract]
Beginning balance	$ 682
New loans	$ 1
Effect of changes in composition of related parties
Repayments	$ (48)
Ending balance	$ 635

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)ShareBasedCompensationPlanshares	Dec. 31, 2014USD ($)shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	3
Compensation cost | $	$ 134,000	$ 265,000
Total income tax (expense) benefit | $	$ 13,000	$ 15,000
Shares cancelled or forfeited	53,700
Stock Options Exercised	0	0
Shares Granted	0	0
Nonvested stock options, expected to vest	105,002
Shares, Nonvested	200,500
Shares, Vested	0
2003 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	100,000
2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available to be issued	1,500,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	807,842
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods exercisable from date of grant	10 years
Unrecognized compensation cost | $	$ 24,000
Period over which unrecognized compensation costs are expected to be recognized	9 months 18 days
Nonvested stock options, expected to vest	105,002
Stock Options [Member] | 1999 Stock-Based Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	38,778
Stock Options [Member] | 2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	200,000
Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available to be issued	200,500	0
Unrecognized compensation cost | $	$ 272,000	$ 0
Restricted Stock [Member] | 1999 Stock-Based Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	15,511
Restricted Stock [Member] | 2003 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	30,000

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Stock Option Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year	621,396
Shares Granted	0	0
Shares Exercised	0	0
Shares Expired	(1,000)
Shares Cancelled or Forfeited	(53,700)
Shares, Outstanding at end of year	566,696	621,396
Shares, Expected to vest	105,002
Shares, Exercisable at end of period	461,694
Weighted Average Exercise Price, Beginning Balance	$ 1.56
Weighted Average Exercise Price, Expired	52.10
Weighted Average Exercise Price, Cancelled or Forfeited	1.41
Weighted Average Exercise Price, Ending Balance	1.48	$ 1.56
Weighted Average Exercise Price, Expected to Vest	1.44
Weighted Average Exercise Price, Exercisable at end of period	$ 1.49
Outstanding at end of period	7 years 4 months 24 days
Expected to vest	7 years 8 months 12 days
Exercisable at end of period	7 years 3 months 18 days

Stock-Based Compensation (Infor

Stock-Based Compensation (Information Related To Plans) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock-Based Compensation [Abstract]
Weighted average fair value of options granted	$ 0	$ 0

Stock-Based Compensation (Su104

Stock-Based Compensation (Summary Of Changes In Company's Nonvested Restricted Shares) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Stock-Based Compensation [Abstract]
Shares, Granted	200,500
Shares, Vested	0
Shares, Nonvested at December 31, 2015	200,500
Weighted Average Grant date Fair Value, Granted | $ / shares	$ 1.37
Weighted Average Grant date Fair Value, Nonvested at December 31, 2015 | $ / shares	$ 1.37

Preferred Stock (Details)

Preferred Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2003
Schedule of Capitalization, Equity [Line Items]
Aggregate value	$ 5	$ 5
Net proceeds from issuance of Series B preferred stock	$ 11,369
Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Liquidation preference			$ 1
Series B Preferred Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Issuance of preferred stock	480,000	480,000
Series B Preferred Stock [Member] | McDonald Partners, LLC [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Issuance of preferred stock	480,000
Preferred stock rate	6.25%
Share Price	$ 25
Aggregate value	$ 12,000
Placement fees	482
Other offering expenses	149
Net proceeds from issuance of Series B preferred stock	$ 11,369
Warrants issued	2
Warrant, value	$ 700
Warrant, shares	28,000
Common Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Warrants issued		1,152,125
Common Stock [Member] | McDonald Partners, LLC [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Warrants issued	3.25
Warrant, value	$ 700
Warrant, shares	28,000

Common Stock Warrants (Details)

Common Stock Warrants (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Issuance of preferred stock	480,000	480,000
Common Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	1,152,125
Warrant exercise period	5 years
Exercise price of warrant	$ 1.85
Private Placement [Member] | McDonald Partners, LLC [Member] | Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued		2
Warrant, value		$ 700
Warrant, shares		28,000
Issuance of preferred stock		480,000
Private Placement [Member] | McDonald Partners, LLC [Member] | Common Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued		3.25
Warrant, value		$ 700
Warrant, shares		28,000

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Future percent of common equity to risk-weighted assets	2.50%
Tier 1 (Core) Capital	5.00%	5.00%
Total capital to risk weighted assets	10.00%	10.00%
Percent of Qualified Thrift Lender test requires		65.00%
Opening balance in liquidation account	$ 14,300
Dividends payable on Series B preferred stock	$ 187	$ 187
Dividends payable first divided payment	Jul. 15, 2014
CF Bank [Member]
Tier 1 (Core) Capital	8.00%	8.00%
Total capital to risk weighted assets	12.00%	12.00%

Regulatory Capital Matters (Act

Regulatory Capital Matters (Actual And Required Capital Amounts And Ratios Of CFBank) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Total Capital to risk weighted assets, Actual Amount		$ 41,528	$ 37,898
Tier 1 (Core) Capital to risk weighted assets, Actual Amount		37,694	34,520
Common equity tier 1 capital to risk-weighted assets, Actual Amount		37,694
Tier 1 (Core) Capital to adjusted total assets, Actual Amount		$ 37,694	$ 34,520
Total Capital to risk weighted assets, Actual Ratio		13.67%	14.18%
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio		12.40%	12.92%
Common equity tier 1 capital to risk-weighted assets, Actual Ratio		12.40%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio		11.12%	11.03%
Total Capital to risk weighted assets, For Capital Adequacy Purposes Amount		$ 24,310	$ 21,379
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Amount		18,233	10,690
Common equity tier 1 capital to risk-weighted assets, For Capital Adequacy Purposes Amount		13,675
Tier 1 (Core) Capital to adjusted total assets, For Capital Adequacy Purposes Amount		$ 13,557	$ 12,515
Total Capital to risk weighted assets, For Capital Adequacy Purposes Ratio		8.00%	8.00%
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Ratio		6.00%	4.00%
Common equity tier 1 capital to risk-weighted assets, For Capital Adequacy Purposes Ratio		4.50%
Tier 1 (Core) Capital to adjusted total assets, For Capital Adequacy Purposes Ratio		4.00%	4.00%
Capital Required to be Well Capitalized		$ 30,388	$ 26,724
Tier One Risk Based Capital Required to be Well Capitalized		24,310	16,034
Common equity tier 1 capital to risk-weighted assets, To Be Well Capitalized Under Applicable Regulatory Action Regulations Amount		19,752
Tier One Leverage Capital Required to be Well Capitalized		$ 16,946	$ 15,643
Capital Required to be Well Capitalized to Risk Weighted Assets		10.00%	10.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets		8.00%	6.00%
Common equity tier 1 capital to risk-weighted assets, To Be Well Capitalized Under Applicable Regulatory Action Regulations Ratio		6.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets		5.00%	5.00%
CF Bank [Member]
Total Capital to risk weighted assets, Actual Amount	[1]		$ 32,069
Tier 1 (Core) Capital to adjusted total assets, Actual Amount	[1]		$ 25,029
Total Capital to risk weighted assets, Actual Ratio	[1]		12.00%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	[1]		8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets		12.00%	12.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets		8.00%	8.00%
[1]	The heightened capital requirements were applicable to CFBank until December 23, 2015, under the CFBank Order and the subsequent commitments made by CFBank to the OCC.

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Derivative [Line Items]
Notional amount	$ 2,877,000	$ 3,811,000
Derivative assets	213,000	318,000
Net gain/loss recognised of fair value of yield maintenance provisions	0	0
Net gains (losses) recognized in earnings	(28,000)	9,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	2,877,000	3,811,000
Interest-rate swaps	761,000
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Derivative assets	8,000	25,000
Interest rate lock commitments related to residential mortgage loans	$ 1,560,000	$ 2,964,000

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 2,877	$ 3,811
Weighted average pay rate on interest-rate swaps	3.67%	4.06%
Weighted average receive rate on interest-rate swaps	0.39%	0.18%
Weighted average maturity (years)	4 years	4 years 3 months 18 days
Fair value of interest-rate swaps	$ (213)	$ (318)
Yield maintenance provisions	213	318
Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount	$ 2,877	$ 3,811

Loan Commitments and Other R111

Loan Commitments and Other Related Activities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	60 days
Construction [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Period for commitments and construction loan commitments	1 year
Minimum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	4.25%	3.25%
Maturities for fixed rate loan commitments	3 months	18 months
Maximum [Member]
Contractual Commitments Contingencies And Off Balance Sheet Arrangements [Line Items]
Interest rates for fixed rate loan commitments	6.50%	5.00%
Maturities for fixed rate loan commitments	14 years	30 years

Loan Commitments and Other R112

Loan Commitments and Other Related Activities (Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commitments To Make Loans [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	$ 4,623	$ 14,992
Variable Rate	15,187	17,339
Unused Lines Of Credit [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	647	189
Variable Rate	19,764	$ 26,955
Standby Letters Of Credit [Member]
Other Contingencies And Commitments [Line Items]
Fixed Rate	$ 1,154

Parent Company Only Condense113

Parent Company Only Condensed Financial Information (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Parent Company Only Condensed Financial Information [Abstract]
Total original investment into joint ventures	$ 1,285	$ 2,184
Incentive payment recognized as income	$ 265	$ 223

Parent Company Only Condense114

Parent Company Only Condensed Financial Information (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2003
ASSETS
Cash and cash equivalents	$ 25,895	$ 28,207	$ 19,160
Other assets	6,093	3,834
Total assets	351,293	315,588
Liabilities and Equity
Subordinated debentures	5,155	5,155		$ 5,155
Stockholders' equity	38,312	34,509	22,864
Total liabilities and stockholder's equity	351,293	315,588
Parent Company [Member]
ASSETS
Cash and cash equivalents	2,673	3,025	$ 3,263
Investment in banking subsidiary	37,745	34,572
Investment in and advances to other subsidiary	222	220
Other assets	3,112	2,202
Total assets	43,752	40,019
Liabilities and Equity
Subordinated debentures	5,155	5,155
Accrued expenses and other liabilities	285	355
Stockholders' equity	38,312	34,509
Total liabilities and stockholder's equity	$ 43,752	$ 40,019

Parent Company Only Condense115

Parent Company Only Condensed Financial Information (Condensed Statements Of Operations) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest income	$ 12,405	$ 10,611
Other income	412	414
Interest expense	2,608	1,889
Loss before income tax and undistributed subsidiary income	1,284	$ 479
Tax effect	(3,193)
Net income	4,477	$ 479
Comprehensive income	4,417	432
Parent Company [Member]
Interest income	1	5
Other income	291	260
Interest expense	164	164
Other expense	548	687
Loss before income tax and undistributed subsidiary income	(420)	(586)
Tax effect	1,798
Gain (loss) after income tax and undistributed subsidiary income	1,378	(586)
Effect of subsidiaries' operations	3,099	1,065
Net income	4,477	479
Comprehensive income	$ 4,417	$ 432

Parent Company Only Condense116

Parent Company Only Condensed Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net income	$ 4,477	$ 479
Net cash from (used by) operating activities	5,102	1,055
Cash flows from investing activities
Net cash used by investing activities	(39,047)	(50,917)
Cash flows from financing activities
Cash dividends paid on Series B preferred stock	(750)	(233)
Net proceeds from issuance of Series B preferred stock		11,369
Net cash from (used by) financing activities	31,633	58,909
Net change in cash and cash equivalents	(2,312)	9,047
Beginning cash and cash equivalents	28,207	19,160
Ending cash and cash equivalents	25,895	28,207
Parent Company [Member]
Cash flows from operating activities
Net income	4,477	479
Effect of subsidiaries' operations	(3,099)	(1,065)
Change in other assets and other liabilities	(980)	(1,142)
Net cash from (used by) operating activities	398	(1,728)
Cash flows from investing activities
Investment in bank subsidiary		(9,700)
Investments in other subsidiaries		54
Net cash used by investing activities		(9,646)
Cash flows from financing activities
Cash dividends paid on Series B preferred stock	(750)	(233)
Net proceeds from issuance of Series B preferred stock		11,369
Net cash from (used by) financing activities	(750)	11,136
Net change in cash and cash equivalents	(352)	(238)
Beginning cash and cash equivalents	3,025	3,263
Ending cash and cash equivalents	$ 2,673	$ 3,025

Earnings (Loss) Per Common S117

Earnings (Loss) Per Common Share (Computation of Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Basic
Net earnings (loss)	$ 4,477	$ 479
Preferred dividends on Series B stock	(857)	(421)
Net earnings (loss) allocated to common stockholders	$ 3,620	$ 58
Weighted average common shares outstanding including unvested share-based payment awards	15,857,127	15,823,710
Less: Unvested share-based payment awards
Average shares	15,857,127	15,823,710
Basic earnings (loss) per common share	$ 0.23	$ 0
Diluted
Net earnings (loss) allocated to common stockholders	$ 3,620	$ 58
Add back: Preferred Dividends on Series B stock	857	421
Net earnings (loss) allocated to fully-diluted	$ 4,477	$ 58
Add: Dilutive effects of assumed exercises of stock options	8,473	30,279
Add: Dilutive effects of assumed exercises of Series B preferred stock	6,857,143
Average shares and dilutive potential common shares	22,722,743	15,853,989
Diluted loss per common share	$ 0.20	$ 0

Earnings (Loss) Per Common S118

Earnings (Loss) Per Common Share (Summary of Anti-Dilutive Options or Warrants) (Details) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	417,058	245,381
Series B Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares		6,857,143
Stock Warrants [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive shares	1,152,125	1,152,125

Accumulated Other Comprehens119

Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period		$ 51
Other comprehensive income (loss), net of tax		(60)	$ (47)
Accumulated other comprehensive income (loss), end of period		(9)	51
Unrealized Gains and Losses on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period	[1]	51	98
Other comprehensive income (loss) before reclassifications	[1]	(72)	$ (47)
Less amount reclassified from accumulated other comprehensive loss	[1],[2]	12
Other comprehensive income (loss), net of tax	[1]	(60)	$ (47)
Accumulated other comprehensive income (loss), end of period	[1]	$ (9)	$ 51
[1]	All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income.
[2]	There was $12 reclassified out of other comprehensive income for year ended December 31, 2015 due to an early redemption of a municipal security.