CF Bankshares (CFBK) 10-Q 10 May 16 2016 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 06, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
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 Common Stock, Shares Outstanding		16,024,210

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and cash equivalents	$ 24,779	$ 25,895
Interest-bearing deposits in other financial institutions
Securities available for sale	$ 9,372	$ 9,368
Loans held for sale, at fair value	1,598	889
Loans, net of allowance of $6,716 and $6,620	300,479	297,064
FHLB stock	1,942	1,942
Foreclosed assets, net	1,636	1,636
Premises and equipment, net	3,561	3,609
Bank owned life insurance	4,830	4,797
Accrued interest receivable and other assets	5,154	6,093
Total assets	353,351	351,293
Deposits
Noninterest bearing	37,266	42,926
Interest bearing	255,168	247,541
Total deposits	292,434	290,467
FHLB advances	14,500	14,500
Advances by borrowers for taxes and insurance	353	656
Accrued interest payable and other liabilities	2,369	2,203
Subordinated debentures	5,155	5,155
Total liabilities	$ 314,811	$ 312,981
Commitments and contingent liabilities
Stockholders' equity
Common stock, $.01 par value; shares authorized: 50,000,000; shares issued: 16,135,917 in 2016 and 16,135,917 in 2015	$ 161	$ 161
Series B Preferred stock, $0.01 par value; 480,000 shares authorized; 480,000 issued at March 31, 2016 and December 31, 2015	5	5
Additional paid-in capital	59,994	59,937
Accumulated deficit	(18,435)	(18,537)
Accumulated other comprehensive income	60	(9)
Treasury stock, at cost; 111,707 shares of common stock	(3,245)	(3,245)
Total stockholders' equity	38,540	38,312
Total liabilities and stockholder's equity	$ 353,351	$ 351,293

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Allowance for loans	$ 6,716	$ 6,620
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	16,135,917
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	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest and dividend income
Loans, including fees	$ 3,279	$ 2,946
Securities	30	35
FHLB stock dividends	20	20
Federal funds sold and other	29	17
Total interest and dividend income	3,358	3,018
Interest expense
Deposits	589	485
FHLB advances and other debt	58	57
Subordinated debentures	45	40
Total interest expense	692	582
Net interest income	2,666	2,436
Provision for loan losses	50	75
Net interest income after provision for loan losses	2,616	2,361
Noninterest income
Service charges on deposit accounts	173	116
Net gains on sales of loans	28	84
Net gain (loss) on sales of securities		(12)
Earnings on bank owned life insurance	33	32
Other	70	135
Total noninterest income	304	355
Noninterest expense
Salaries and employee benefits	1,152	1,220
Occupancy and equipment	134	139
Data processing	275	249
Franchise and other taxes	88	80
Professional fees	324	244
Director fees	47	33
Postage, printing and supplies	54	72
Advertising and promotion	17	45
Telephone	31	25
Loan expenses	31	37
Foreclosed assets, net	33	46
Depreciation	53	52
FDIC premiums	114	104
Regulatory assessment	28	51
Other insurance	31	30
Other	42	38
Total noninterest expense	2,454	2,465
Income before incomes taxes	466	$ 251
Income tax expense	150
Net income	316	$ 251
Dividends on Series B preferred stock and accretion of discount	(214)	(214)
Net income attributable to common stockholders	$ 102	$ 37
Earnings per common share:
Basic	$ 0.01	$ 0
Diluted	$ 0.01	$ 0

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 316	$ 251
Other comprehensive income:
Unrealized holding gain arising during the period related to securities available for sale, net of tax of $37 and $0	$ 69	34
Less: reclassification adjustment for net losses realized during the period on investment securities available for sale, net of tax of $0 and $0		12
Other comprehensive income (loss), net of tax	$ 69	46
Comprehensive income	$ 385	$ 297

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Unrealized holding gain arising during the period related to securities available for sale, tax	$ 37	$ 0
Reclassification adjustment for net losses realized during the period on investment securities available for sale, tax	$ 0	$ 0

Consolidated Statement Of Chang

Consolidated Statement Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Series B Preferred Stock [Member]	Total
Balance at Dec. 31, 2014	$ 159	$ 59,696	$ (22,157)	$ 51	$ (3,245)	$ 5	$ 34,509
Net income (loss)			251				251
Other comprehensive income (loss)				46			46
Stock option expense, net of forfeitures		35					35
Cash dividends declared on Series B preferred stock and accretion of discount		27	(214)				(187)
Balance at Mar. 31, 2015	159	59,758	(22,120)	97	(3,245)	5	34,654
Balance at Dec. 31, 2015	161	59,937	(18,537)	(9)	(3,245)	5	38,312
Net income (loss)			316				316
Other comprehensive income (loss)				69			69
Restricted option expense, net of forfeitures		22					22
Stock option expense, net of forfeitures		8					8
Cash dividends declared on Series B preferred stock and accretion of discount		27	(214)				(187)
Balance at Mar. 31, 2016	$ 161	$ 59,994	$ (18,435)	$ 60	$ (3,245)	$ 5	$ 38,540

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Consolidated Statements Of Cash Flows [Abstract]
Net income	$ 316	$ 251
Adjustments to reconcile net loss to net cash from operating activities:
Provision for loan losses	50	75
Depreciation	53	52
Amortization, net	(8)	(6)
Net loss on sales of securities		12
Originations of loans held for sale	(2,936)	(12,123)
Proceeds from sale of loans held for sale	2,255	14,134
Net gains on sales of loans	(28)	(84)
Earnings on bank owned life insurance	(33)	(32)
Stock-based compensation expense	30	35
Change in deferred income taxes	(31)
Net change in:
Accrued interest receivable and other assets	939	362
Accrued interest payable and other liabilities	166	(135)
Net cash from operating activities	773	2,541
Available-for-sale securities:
Maturities, prepayments and calls	86	1,073
Loan originations and payments, net	(4,567)	(10,049)
Proceeds from the sale of loans	1,124
Additions to premises and equipment	(6)	(6)
Net cash used by investing activities	(3,363)	(8,982)
Cash flows from financing activities
Net change in deposits	1,964	2,415
Proceeds from FHLB advances		2,500
Repayments on FHLB advances		(2,500)
Net change in advances by borrowers for taxes and insurance	(303)	(100)
Cash dividends paid on Series B preferred stock	(187)	(187)
Net cash from financing activities	1,474	2,128
Net change in cash and cash equivalents	(1,116)	(4,313)
Beginning cash and cash equivalents	25,895	28,207
Ending cash and cash equivalents	24,779	23,894
Supplemental cash flow information:
Interest paid	687	578
Supplemental noncash disclosures:
Loans transferred from held for sale to portfolio		834
Dividends payable on Series B preferred stock	$ 187	$ 187

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2016
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	 NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation : 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 herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2016 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC . Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2015 Annual Report to Stockholders that was filed as Exhibit 13.1 to the Company’s Form 10-K for the year ended December 31, 2015 (referred to herein as the “2015 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q. 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 loans, 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 the loan 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 if and when 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. 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 the 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 on 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 loan. 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 CFBank over a three-year period. The general component is calculated based on CFBank’s loan balances and actual 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. 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. Joint Ventures: The Holding Company has 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 , which is recognized as income.  Earnings 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 participating securities (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:     Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Basic  Net income $ 316 $ 251  Dividends on Series B preferred stock and accretion of discount (214) (214)  Net income allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding including unvested share-based payment awards 16,024,210 15,823,710  Less: Unvested share-based payment awards - -  Average shares 16,024,210 15,823,710  Basic earnings per common share $ 0.01 $ 0.00   Diluted  Net earnings allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding for basic earnings per common share 16,024,210 15,823,710  Add: Dilutive effects of assumed exercises of stock options 9,778 7,444  Add: Dilutive effects of assumed exercises of Series B preferred stock - -  Average shares and dilutive potential common shares 16,033,988 15,831,154  Diluted earnings per common share $ 0.01 $ 0.00   The following securities exercisable for or convertible into common shares were anti-dilutive and not considered in computing diluted earnings (loss) per common share.   Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Stock options 394,196 456,396  Series B preferred stock 6,857,143 6,857,143  Stock warrants 1,152,125 1,152,125   Adoption of New Accounting Standards: 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 2014-12, 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. 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, the 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. 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.  The FASB has issued ASU No. 2015-03 , Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. For public business entities, the amendments are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. The amendments should be applied on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. Upon transition, an entity is required to comply with the applicable disclosures for a change in an accounting principle. These disclosures include the nature of and reason for the change in accounting principle, the transition method, a description of the prior-period information that has been retrospectively adjusted and the effect of the change on the financial statement line items, i.e., debt issuance cost asset and the debt liability. The Company has adop ted the methodologies prescribed by this ASU. Adoption of the ASU did not have a significant effect on the Company's consolidated financial statements. 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. Reclassifications Reclassification of certain amounts in the 2015 consolidated financial statements have been made to conform to the 2016 presentation.

Regulatory Order Considerations

Regulatory Order Considerations	3 Months Ended
	Mar. 31, 2016
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 maintain heightened capital levels, 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. 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 remained subject to such restrictions until January 8, 2016. 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.

Securities

Securities	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Securities	 NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at March 31, 2016 and December 31, 201 5 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  March 31, 2016 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 8,566 $ 63 $ 1 $ 8,628  Mortgage-backed securities - residential 432 17 - 449  Collateralized mortgage obligations 283 12 - 295  Total $ 9,281 $ 92 $ 1 $ 9,372      Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  December 31, 2015  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  There was no other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale at March 31, 2016 or March 31 , 20 15 . There were no sales of securities for the three months ended March 31, 2016 or March 31 , 201 5 ; however, there was an early redemption of a municipal security during the first quarter of 2015 which is reflected in net gain (loss) on sales of securities.  The amortized cost and fair value of debt securities at March 31, 2016 and December 31, 2015 are shown in the table below 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.     March 31, 2016 December 31, 2015  (unaudited)  Amortized Fair Amortized Fair  Cost Value Cost Value  Due in one year or less $ 1,002 $ 1,002 $ 1,002 $ 1,000  Due from one to five years 7,564 7,626 7,573 7,536  Mortgage-backed securities 432 449 463 481  Collateralized mortgage obligations 283 295 339 351  Total $ 9,281 $ 9,372 $ 9,377 $ 9,368    Fair value of securities pledged was as follows:    March 31, 2016 December 31, 2015  (unaudited)  Pledged as collateral for:  FHLB advances $ 3,491 $ 3,530  Public deposits 2,064 2,055  Interest-rate swaps 243 261  Total $ 5,798 $ 5,846  At March 31, 2016 and December 31, 201 5 , 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 March 31, 2016 and December 31, 201 5 aggregated by major security type and length of time in a continuous unrealized loss position.     March 31, 2016 (unaudited) Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 1,518 $ 1 $ - $ - $ 1,518 $ 1  Mortgage-backed securities - residential - - - - - -  Collateralized mortgage obligations 3 - - - 3 -  Total temporarily impaired $ 1,521 $ 1 $ - $ - $ 1,521 $ 1         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  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  The unrealized losses in U.S Treasuries at March 31, 2016 are related to two securities. The unrealized losses in U.S. Treasuries at December 31, 2015 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 it is likely that it will not be required to sell these securities before their anticipated recovery, the Company did not consider these securities to be other-than-temporarily impaired at March 31, 2016 and December 31, 2015. 

Loans

Loans	3 Months Ended
	Mar. 31, 2016
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.    March 31, December 31,  2016 2015  ( unaudited)  Commercial $ 47,505 $ 43,744  Real estate:  Single-family residential 80,367 81,985  Multi-family residential 30,369 28,950  Commercial 98,116 96,488  Construction 23,064 24,662  Consumer:  Home equity lines of credit 23,250 21,837  Other 4,524 6,018  Subtotal 307,195 303,684  Less: ALLL (6,716) (6,620)  Loans, net $ 300,479 $ 297,064   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 purchases 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 loans are 100% risk rated for CFBank capital adequacy purposes. Under the participation agreement, CFBank agrees to purchase a 95% ownership/participation interest in each of the aforementioned loans, and Northpointe maintains a 5% ownership interest in each loan it participates. At March 31, 2016 and December 31, 2015, CFBank held $38,572 and $43,517 , respectively, of such loans which have been included in single-family residential loan totals above.   Allowance for Loan Losses 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 to the 201 5 Audited Financial Statements. The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2016:    Three months ended March 31, 2016 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total   Beginning balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620  Addition to (reduction in) provision for loan losses 106 50 17 (101) (38) 50 (34) 50  Charge-offs - - - - - - - -  Recoveries - - - - - 46 - 46  Ending balance $ 1,486 $ 741 $ 722 $ 2,609 $ 523 $ 570 $ 65 $ 6,716    The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2015:    Three months ended March 31, 2015 (unaudited)  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 88 65 (125) (77) 99 23 2 75  Charge-offs (8) - - - - - (10) (18)  Recoveries 25 1 - 33 - 4 6 69  Ending balance $ 1,451 $ 700 $ 693 $ 2,497 $ 541 $ 468 $ 92 $ 6,442       The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the impairment method as of March 31, 2016 (unaudited) :    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 $ 54 $ 1 $ - $ 27 $ - $ - $ - $ 82  Collectively evaluated for impairment 1,432 740 722 2,582 523 570 65 6,634  Total ending allowance balance $ 1,486 $ 741 $ 722 $ 2,609 $ 523 $ 570 $ 65 $ 6,716   Loans:  Individually evaluated for impairment $ 721 $ 287 $ 1,577 $ 3,627 $ - $ - $ - $ 6,212  Collectively evaluated for impairment 46,784 80,080 28,792 94,489 23,064 23,250 4,524 300,983  Total ending loan balance $ 47,505 $ 80,367 $ 30,369 $ 98,116 $ 23,064 $ 23,250 $ 4,524 $ 307,195    The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the 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 loans individually evaluated for impairment by class of loans at March 31, 2016. 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. The table presents accrual basis interest income recognized during the three months ended March 31, 2016. Cash payments of interest on these loans during the three months ended March 31, 2016 totaled $79 .    Three months ended  As of March 31, 2016 (unaudited) March 31, 2016 (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ 36 $ 28 $ - $ 28 $ -  Real estate:  Single-family residential 322 161 - 161 -  Multi-family residential 1,534 1,534 - 1,539 23  Commercial:  Non-owner occupied 546 446 - 446 -  Owner occupied 890 368 - 370 9  Land - - - - -  Total with no allowance recorded 3,328 2,537 - 2,544 32   With an allowance recorded:  Commercial 694 693 54 701 2  Real estate:  Single-family residential 127 126 1 127 2  Multi-family residential 43 43 - 44 1  Commercial:  Non-owner occupied 2,213 2,214 21 2,217 33  Owner occupied 359 360 3 361 5  Land 284 239 3 242 4  Total with an allowance recorded 3,720 3,675 82 3,692 47  Total $ 7,048 $ 6,212 $ 82 $ 6,236 $ 79   The following table presents loans individually evaluated for impairment by class of loans at 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. The table presents accrual basis interest income recognized during the three months ended March 31, 2015. Cash payments of interest during the three months ended March 31, 2015 totaled $83 .    Three months ended  As of December 31, 2015 March 31, 2015 (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ 36 $ 28 $ - $ 69 $ 1  Real estate:  Single-family residential 322 161 - 171 -  Multi-family residential 1,545 1,545 - 1,574 23  Commercial:  Non-owner occupied 546 446 - 468 -  Owner occupied 688 167 - 180 10  Land - - - - -  Total with no allowance recorded 3,137 2,347 - 2,462 34   With an allowance recorded:  Commercial 394 394 5 490 3  Real estate:  Single-family residential 128 128 1 123 2  Multi-family residential 45 45 - 51 1  Commercial:  Non-owner occupied 2,224 2,224 9 2,256 33  Owner occupied 363 363 1 377 5  Land 294 249 4 297 5  Total with an allowance recorded 3,448 3,403 20 3,594 49  Total $ 6,585 $ 5,750 $ 20 $ 6,056 $ 83   The following table presents the recorded investment in non performing loans by class of loans:      March 31, 2016 December 31, 2015  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 214 224  Real estate:  Single-family residential 668 640  Multi-family residential - -  Commercial:  Non-owner occupied 446 446  Owner occupied - -  Land - -  Consumer:  Home equity lines of credit:  Originated for portfolio 20 20  Purchased for portfolio 94 95  Other consumer - -  Total nonaccrual 1,442 1,425  Total nonaccrual and nonperforming loans $ 1,442 $ 1,425  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 March 31, 2016 or December 31, 2015.   The following table presents the aging of the recorded investment in past due loans by class of loans as of March 31, 2016 (unaudited) :   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 $ 5 $ - $ 28 $ 33 $ 47,472 $ 186  Real estate:  Single-family residential 1,229 52 308 1,589 78,778 360  Multi-family residential - - - - 30,369 -  Commercial:  Non-owner occupied - - 446 446 60,631 -  Owner occupied - - - - 28,400 -  Land - - - - 8,639 -  Construction - - - - 23,064 -  Consumer:  Home equity lines of credit:  Originated for portfolio - 20 - 20 22,204 20  Purchased for portfolio 94 - - 94 932 94  Other - - - - 4,524 -  Total $ 1,328 $ 72 $ 782 $ 2,182 $ 305,013 $ 660    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  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 March 31, 2016 and December 31, 201 5 , TDRs totaled $5,212 and $5,276 , respectively. The Company allocated $33 and $20 of specific reserves to loans whose terms had been modified in TDRs as of March 31, 2016 and December 31, 201 5 , respectively. The Company had not committed to lend any additional amounts as of March 31, 2016 or December 31, 201 5 to customers with outstanding loans classified as nonaccrual TDRs. During the three months ended March 31, 2016 and March 31, 2015, there were no loans modified as a TDR . There were no TDRs in payment default or that became nonperforming during the period ended March 31, 2016 and 201 5 . A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms, at which time the loan is re-evaluated to determine whether an impairment loss should be recognized, either through a write-off or specific valuation allowance, so that the loan is reported, net, at the present value of estimated future cash flows, or at the fair value of collateral, less cost to sell, if repayment is expected solely from the collateral. The terms of certain other loans were modified during the quarter ended March 31, 2016 and 201 5 that did not meet the definition of a TDR. These loans had a total recorded investment of $4,090 and $2,517 as of March 31, 2016 and 201 5 , 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 payments 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 March 31, 2016 and December 31, 201 5 , nonaccrual TDRs were as follows:      March 31, 2016 December 31, 2015  (unaudited)  Commercial $ 185 $ 195  Real estate:  Single-family residential 161 161  Multi-family residential - -  Commercial:  Non-owner occupied - -  Owner occupied - -  Total $ 346 $ 356   Nonaccrual loans at March 31, 2016 and December 31, 201 5 do not include $4,866 and $4,920 , 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 made 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, conditions 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 primarily 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 or doubtful. The recorded investment in loans by risk category and by class of loans as of March 31, 2016 and based on the most recent analysis performed follows. There were no loans rated doubtful at March 31, 2016 . (unaudited)    Not Rated Pass Special Mention Substandard Total   Commercial $ 72 $ 44,924 $ 1,907 $ 602 $ 47,505  Real estate:  Single-family residential 79,675 - - 692 80,367  Multi-family residential - 29,669 523 177 30,369  Commercial:  Non-owner occupied 122 57,766 1,837 1,352 61,077  Owner occupied - 24,982 3,049 369 28,400  Land - 6,094 - 2,545 8,639  Construction 9,101 13,963 - - 23,064  Consumer:  Home equity lines of credit:  Originated for portfolio 22,114 - - 110 22,224  Purchased for portfolio 783 - - 243 1,026  Other 751 3,773 - - 4,524  $ 112,618 $ 181,171 $ 7,316 $ 6,090 $ 307,195    The recorded investment in loans by risk category and by class of loans as of December 31, 2015 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 

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2016
Fair Value [Abstract]
Fair Value	 NOTE 5 - FAIR VALUE Fair 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 if warranted 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). During the second quarter of 2015, CFBank commenced activity and signed an agreement with the intent to sell its credit card portfolio to a third party. As a result, as of June 30, 2015, the credit card portfolio was transferred to loans held for sale at the lower of cost or market of $175,000 , which approximated fair value at the time of transfer. In February 2016, the sale of the credit card portfolio was consummated.  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 March 31, 2016 using Significant Other Observable Inputs  (Level 2)  (unaudited)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 8,628  Mortgage-backed securities - residential 449  Collateralized mortgage obligations 295  Total securities available for sale $ 9,372   Loans held for sale 1,598   Yield maintenance provisions (embedded derivatives) $ 245   Interest rate lock commitments $ 6   Financial Liabilities:  Interest-rate swaps $ 245      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   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 March 31, 2016 or December 31, 201 5 .  Assets and liabilities measured at fair value on a non-recurring basis are summarized below:    Fair Value Measurements at March 31, 2016 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 139  Real Estate:  Single-family residential 126  Multi-family residential 43  Commercial:  Non-owner occupied 2,193  Owner occupied 209  Land 236  Total impaired loans $ 2,946       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  The Company had no material assets or liabilities measured at fair value on a non-recurring basis that were measured using Level 1 or Level 2 inputs at March 31, 2016 or December 31, 201 5 . Impaired loans that are measured for impairment using the fair value of the collateral for collateral dependent loans , had a principal balance of $ 3,019 with a valuation allowance of $ 28 , at March 31, 2016. There were no write-downs of impaired collateral dependent loans during the three months ended March 31, 2016 or 2015. 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, 201 5 . During the three months ended March 31, 2016 , the Company did not have any transfers of assets or liabilities between those measured using Level 1, 2 or 3 inputs. The Company recognizes transfers of assets and liabilities between Level 1, 2 and 3 inputs based on the information relating to those assets and liabilities at the end of the reporting period.  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 March 31, 2016 (unaudited) :   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 139 Comparable sales approach Adjustment for differences between the comparable market transactions 1.10%  Commercial real estate:  Single-family residential 126 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.23% , 4.63% ) -.17%  Multi-family residential 43 Comparable sales approach Adjustment for differences between the comparable market transactions 5.74%  Commercial:  Non-owner occupied 2,193 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.10% , 5.74% ) 1.35%  Owner occupied 209 Comparable sales approach Adjustment for differences between the comparable market transactions -29.30%  Land 236 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, 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%   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 of 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 March 31, 2016 or December 31, 201 5 . As of March 31, 2016 and December 31, 201 5 , the aggregate fair value, contractual balance and gain or loss of loans held for sale were as follows:    March 31, 2016 December 31, 2015  (unaudited)  Aggregate fair value $ 1,598 $ 889  Contractual balance 1,592 884  Gain (loss) 6 5    The total amount of gains and losses from changes in fair value included in earnings for the three months ended March 31, 2016 and 201 5 for loans held for sale were:    Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Interest income $ 6 $ 29  Interest expense - -  Change in fair value 1 12  Total change in fair value $ 7 $ 41    The carrying amounts and estimated fair values of financial instruments at March 31, 2016 were as follows:   Fair Value Measurements at March 31, 2016 Using (unaudited):  Carrying  Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 24,779 $ 24,779 $ - $ - $ 24,779  Securities available for sale 9,372 - 9,372 - 9,372  Loans held for sale 1,598 - 1,598 - 1,598  Loans, net 300,479 - - 305,348 305,348  FHLB stock 1,942 n/a n/a n/a n/a  Accrued interest receivable 857 1 18 838 857  Yield maintenance provisions (embedded derivatives) 245 - 245 - 245  Interest rate lock commitments 6 - 6 - 6   Financial liabilities  Deposits $ (292,434) $ (146,927) (146,401) $ - $ (293,328)  FHLB advances and other borrowings (14,500) - (14,889) - (14,889)  Advances by borrowers for taxes and insurance (353) - - (353) (353)  Subordinated debentures (5,155) - (2,291) - (2,291)  Accrued interest payable (49) - (49) - (49)  Interest-rate swaps (245) - (245) - (245)   The carrying amounts and estimated fair values of financial instruments at December 31, 2015 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  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 methods and assumptions, not previously presented, used to estimate fair values 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.  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 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, 2 or 3 classification, consistent with the asset or liability with which they are associated.  Advances by Borrowers for Taxes and Insurance The carrying amount of advances by borrowers for taxes and insurance approximate s fair value resulting in a Level 3 classification, consistent with the liability with which they are associated.  Off-Balance-Sheet Instruments The fair value of off-balance-sheet items is not considered material.

Subordinated Debentures

Subordinated Debentures	3 Months Ended
	Mar. 31, 2016
Subordinated Debentures [Abstract]
Subordinated Debentures	 NOTE 6 – 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 , 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 of the FRB. The Holding Company paid the interest current on the subordinated debentures for 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. Effective as of January 8, 2016, the Holding Company is no longer required to obtain the prior approval or non-objection of the FRB in order to pay current quarterly interest on the subordinated debentures. The Company paid the interest current for the quarter ended March 31, 2016. There were no accrued deferred payments at March 31, 2016 and December 31, 2015. 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 3.4 8 % at March 31, 2016 and 3.45 % at December 31, 2015.

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2016
Stock-Based Compensation [Abstract]
Stock-Based Compensation	 NOTE 7 – 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 $30 and $35, respectively, for the three months ended March 31, 2016 and 2015. The total income tax effect was $8 and $2, respectively, for the three months ended March 31, 2016 and 2015. The Plans are all stockholder-approved and authorize 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 options granted or exercised during the three months ended March 31, 2016 and March 31, 2015 (unaudited) . A summary of stock option activity in the Plans for the three months ended March 31, 2016 follows (unaudited) :    Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value   Outstanding at beginning of year 566,696 $ 1.48  Granted - -  Exercised - -  Expired - -  Cancelled or Forfeited (7,500) 1.43  Outstanding at end of period 559,196 $ 1.48 7.2 $ -   Expected to vest 91,502 $ 1.43 7.5 $ -   Exercisable at end of period 467,694 $ 1.49 7.1 $ -  During the three months ended March 31, 2016, there were 7,500 stock options canceled or forfeited. During the three months ended March 31, 2015, there were no stock options canceled or forfeited. Previously recognized expense associated with nonvested forfeited shares was reversed. As of March 31, 2016, there was $ 16 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 0.5 years. Substantially all of the 91,502 nonvested stock options at March 31, 2016 are expected to vest.  Restricted Stock Awards: The Plans 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 no shares of restricted stock issued during the three months ended March 31, 2016 and 2015 (unaudited) . 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, 2016 200,500 $ 1.37  Granted - -  Vested - -  Forfeited - -  Nonvested at March 31, 2016 200,500 $ 1.37  As of March 31, 2016 and 2015, the unrecognized compensation cost related to nonvested restricted stock awards granted under the Plans was $237 and $0 , respectively. There were no shares of restricted stock forfeited during the three months ended March 31, 2016 and 2015. Also, there were no shares that vested during the three months ended March 31, 2016 and 2015. There were 815,342 shares remaining available for stock option grants and restricted stock awards under the 2009 Plan at March 31, 2016.

Regulatory Capital Matters

Regulatory Capital Matters	3 Months Ended
	Mar. 31, 2016
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	 NOTE 8 – 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. Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios of Common Equity Tier 1 capital, Tier 1 capital and Total capital, as defined in the regulations, to risk-weighted assets, and of Tier 1 capital to adjusted quarterly average assets (“Leverage Ratio”). The Company’s implementation of the new rules on January 1, 2015 did not have a material impact on our capital needs or classifications.  When fully phased in on January 1, 2019, the Basel III Capital Rules will require the Company to maintain: 1) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of 4.5% , plus a 2.5% “capital conservation buffer” (resulting in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of 7.0% upon full implementation); 2) a minimum ratio of Tier 1 capital to risk-weighted assets of 6.0% , plus the capital conservation buffer (resulting in a minimum Tier 1 capital ratio of 8.5% upon full implementation); 3) a minimum ratio of Total capital to risk-weighted assets of 8.0% , plus the capital conservation buffer (resulting in a minimum Total capital ratio of 10.5% upon full implementation); and 4) a minimum Leverage Ratio of 4.0% . The implementation of the capital conservation buffer began on January 1, 2016 at the 0.625% level and will be phased in over a four -year period increasing by increments of that amount on each subsequent January 1 until it reaches 2.5% on January 1, 2019. The capital conservation buffer is designed to absorb losses during periods of economic stress. Failure to maintain the minimum Common Equity Tier 1 capital ratio plus the capital conservation buffer will result in potential restrictions on a banking institution’s ability to pay dividends, repurchase stock and/or pay discretionary compensation to its employees. 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 to adjusted total assets and 12% Total Capital to risk weighted assets, until December 23, 2015. CFBank met these heightened capital requirements imposed by the OCC at March 31, 2016, and December 31, 2015. See Note 2-Regulatory Order Considerations for additional information. The following tables present actual and required capital ratios as of March 31, 2016 and December 31, 2015 for CFBank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of March 31, 2016, based on the phase-in provisions of the Basel III Capital Rules and the minimum required capital levels as of January 1, 2019 when the Basel III Capital Rules have been fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.     To Be Well  Minimum Capital Minimum Capital Capitalized Under  Required-Basel III Required-Basel III Applicable Regulatory  Actual Phase-In Schedule Fully Phased-In Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio   March 31, 2016 (unaudited)  Total Capital to risk  weighted assets $ 42,029 13.69% $ 26,500 8.63% $ 32,243 10.50% $ 30,707 10.00%   Tier 1 (Core) Capital to risk  weighted assets 38,155 12.43% 20,359 6.63% 26,101 8.50% 24,566 8.00%   Common equity tier 1 capital  to risk-weighted assets 38,155 12.43% 15,753 5.13% 21,495 7.00% 19,960 6.50%   Tier 1 (Core) Capital to  adjusted total assets (Leverage ratio) 38,155 10.89% 14,009 4.00% 14,009 4.00% 17,512 5.00%      To Be Well  Capitalized Under Required  For Capital Applicable Regulatory Pursuant to  Actual Adequacy Purposes Capital Standards 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. See Note 2- Regulatory Order Considerations for additional information.  The Qualified Thrift Lender test requires CFBank to maintain at least 65 % of assets 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 was met by CFBank at March 31, 2016 and December 31, 2015. CFBank converted from a mutual to a stock institution in 1998, and a “liquidation account” was established in the amount 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 receive a 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 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 10-Income taxes .

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2016
Derivative Instruments [Abstract]
Derivative Instruments	 NOTE 9 – 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 $ 2,849 at March 31, 2016 and $2,877 at December 31, 201 5 . 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 March 31, 2016 , CFBank had $ 743 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 March 31, 2016 , CFBank was well-capitalized under regulatory capital standards Summary information about the derivative instruments is as follows:    March 31, 2016 December 31, 2015  (unaudited)  Notional amount $ 2,849 $ 2,877  Weighted average pay rate on interest-rate swaps 3.67% 3.67%  Weighted average receive rate on interest-rate swaps 0.47% 0.39%  Weighted average maturity (years) 3.7 4.0  Fair value of interest-rate swaps $ (245) $ (213)  Fair value of yield maintenance provisions 245 213  T he 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 for the three months ended March 31, 2016 or 201 5 .  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 $ 1,977 and $ 1,560 of interest rate lock commitments related to residential mortgage loans at March 31, 2016 and December 31, 201 5 , respectively. The fair value of these mortgage banking derivatives was reflected by a derivative asset of $6 and $8 at March 31, 2016 and December 31, 201 5 , 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.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2016
Income Taxes [Abstract]
Income Taxes	 NOTE 10 – INCOME TAXES 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 during the fourth quarter of 2015. In 2012, The Company completed a recapitalization program through the sale of $22.5 million in common stock which improved the capital levels of CFBank and provided working capital for the holding company. The result of the change in stock ownership associated with the stock offering was that the Company incurred an ownership change, within the guidelines of Section 382 of the Internal Revenue Code of 1986. At year-end 2015, 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 in connection with the 2012 stock offering, 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 March 31, 2016 and December 31, 2015, 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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	 NOTE 11- ACCUMULATED OTHER COMPREHENSIVE INCOME The following table summarizes the changes within each classification of accumulated other comprehensive income, net of tax, for the three months ended March 31, 2016 and 2015 and summarizes the significant amounts reclassified out of each component of accumulated other comprehensive income:    Changes in Accumulated Other Comprehensive Income by Component (1)   Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (9) $ 51   Other comprehensive gain before reclassifications 69 34  Less amount reclassified from accumulated other comprehensive loss (2) - 12  Net current-period other comprehensive income (loss) 69 46   Accumulated other comprehensive income (loss), end of period $ 60 $ 97  (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no amounts reclassified out of other comprehensive income for the three months ended March 31, 2016. There was $12 reclassified out of other comprehensive income for the three months ended March 31, 2015 due to an early redemption on a municipal security.

Preferred Stock

Preferred Stock	3 Months Ended
	Mar. 31, 2016
Preferred Stock [Abstract]
Preferred Stock	 NOTE 12- 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 . 

Common Stock Warrants

Common Stock Warrants	3 Months Ended
	Mar. 31, 2016
Common Stock Warrants [Abstract]
Common Stock Warrant	 NOTE 13- 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.

Subsequent Event

Subsequent Event	3 Months Ended
	Mar. 31, 2016
Subsequent Events [Abstract]
Subsequent Event	NOTE 14- SUBSEQUENT EVENT In May 2016, the Company announced that its Board of Directors has adopted a stock repurchase program pursuant to which the Company may repurchase up to 3% of the Company's common stock over the next six months. Any purchases under the repurchase program will be made from time to time in the open market in accordance with applicable federal and state securities laws and regulations. The timing and amount of any stock repurchases will be determined by the Company's management based on its evaluation of market conditions, regulatory requirements and other corporate considerations. 

Summary of Significant Accoun23

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2016
Summary Of Significant Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation : 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 herein as the “Company”. Intercompany transactions and balances are eliminated in consolidation. The accompanying unaudited interim consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”) and in compliance with U.S. generally accepted accounting principles (GAAP). Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted. In the opinion of the management of the Company, the accompanying unaudited interim consolidated financial statements include all adjustments necessary for a fair presentation of the Company’s financial condition and the results of operations for the periods presented. These adjustments are of a normal recurring nature, unless otherwise disclosed in this Form 10-Q. The financial performance reported for the Company for the three months ended March 31, 2016 is not necessarily indicative of the results that may be expected for the full year. This information should be read in conjunction with the Company’s latest Annual Report to Stockholders and Annual Report on Form 10-K on file with the SEC . Reference is made to the accounting policies of the Company described in Note 1 to the Audited Consolidated Financial Statements contained in the Company’s 2015 Annual Report to Stockholders that was filed as Exhibit 13.1 to the Company’s Form 10-K for the year ended December 31, 2015 (referred to herein as the “2015 Audited Financial Statements”). The Company has consistently followed those policies in preparing this Form 10-Q.
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 loans, 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 the loan 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 if and when 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.
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 the 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 on 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 loan. 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 CFBank over a three-year period. The general component is calculated based on CFBank’s loan balances and actual 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. 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.
Joint Ventures	Joint Ventures: The Holding Company has 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 , which is recognized as income.
Earnings Per Common Share	Earnings 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 participating securities (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:     Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Basic  Net income $ 316 $ 251  Dividends on Series B preferred stock and accretion of discount (214) (214)  Net income allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding including unvested share-based payment awards 16,024,210 15,823,710  Less: Unvested share-based payment awards - -  Average shares 16,024,210 15,823,710  Basic earnings per common share $ 0.01 $ 0.00   Diluted  Net earnings allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding for basic earnings per common share 16,024,210 15,823,710  Add: Dilutive effects of assumed exercises of stock options 9,778 7,444  Add: Dilutive effects of assumed exercises of Series B preferred stock - -  Average shares and dilutive potential common shares 16,033,988 15,831,154  Diluted earnings per common share $ 0.01 $ 0.00   The following securities exercisable for or convertible into common shares were anti-dilutive and not considered in computing diluted earnings (loss) per common share.   Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Stock options 394,196 456,396  Series B preferred stock 6,857,143 6,857,143  Stock warrants 1,152,125 1,152,125 
Adoption of New Accounting Standards	Adoption of New Accounting Standards: 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 2014-12, 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. 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, the 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. 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.  The FASB has issued ASU No. 2015-03 , Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. For public business entities, the amendments are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. The amendments should be applied on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. Upon transition, an entity is required to comply with the applicable disclosures for a change in an accounting principle. These disclosures include the nature of and reason for the change in accounting principle, the transition method, a description of the prior-period information that has been retrospectively adjusted and the effect of the change on the financial statement line items, i.e., debt issuance cost asset and the debt liability. The Company has adop ted the methodologies prescribed by this ASU. Adoption of the ASU did not have a significant effect on the Company's consolidated financial statements.
General Litigation	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.
Reclassifications	Reclassifications Reclassification of certain amounts in the 2015 consolidated financial statements have been made to conform to the 2016 presentation.

Summary Of Significant Accoun24

Summary Of Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2016
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Common Share	   Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Basic  Net income $ 316 $ 251  Dividends on Series B preferred stock and accretion of discount (214) (214)  Net income allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding including unvested share-based payment awards 16,024,210 15,823,710  Less: Unvested share-based payment awards - -  Average shares 16,024,210 15,823,710  Basic earnings per common share $ 0.01 $ 0.00   Diluted  Net earnings allocated to common stockholders $ 102 $ 37   Weighted average common shares outstanding for basic earnings per common share 16,024,210 15,823,710  Add: Dilutive effects of assumed exercises of stock options 9,778 7,444  Add: Dilutive effects of assumed exercises of Series B preferred stock - -  Average shares and dilutive potential common shares 16,033,988 15,831,154  Diluted earnings per common share $ 0.01 $ 0.00 
Anti-Dilutive Common Shares	  Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Stock options 394,196 456,396  Series B preferred stock 6,857,143 6,857,143  Stock warrants 1,152,125 1,152,125 

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio	  Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  March 31, 2016 (unaudited)  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 8,566 $ 63 $ 1 $ 8,628  Mortgage-backed securities - residential 432 17 - 449  Collateralized mortgage obligations 283 12 - 295  Total $ 9,281 $ 92 $ 1 $ 9,372      Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  December 31, 2015  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 
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	   March 31, 2016 December 31, 2015  (unaudited)  Amortized Fair Amortized Fair  Cost Value Cost Value  Due in one year or less $ 1,002 $ 1,002 $ 1,002 $ 1,000  Due from one to five years 7,564 7,626 7,573 7,536  Mortgage-backed securities 432 449 463 481  Collateralized mortgage obligations 283 295 339 351  Total $ 9,281 $ 9,372 $ 9,377 $ 9,368 
Fair Value Of Securities Pledged	  March 31, 2016 December 31, 2015  (unaudited)  Pledged as collateral for:  FHLB advances $ 3,491 $ 3,530  Public deposits 2,064 2,055  Interest-rate swaps 243 261  Total $ 5,798 $ 5,846 
Securities With Unrealized Losses	   March 31, 2016 (unaudited) Less than 12 Months 12 Months or More Total  Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 1,518 $ 1 $ - $ - $ 1,518 $ 1  Mortgage-backed securities - residential - - - - - -  Collateralized mortgage obligations 3 - - - 3 -  Total temporarily impaired $ 1,521 $ 1 $ - $ - $ 1,521 $ 1         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  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 

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2016
Loans [Abstract]
Recorded Investment In Loans By Portfolio Segment	   March 31, December 31,  2016 2015  ( unaudited)  Commercial $ 47,505 $ 43,744  Real estate:  Single-family residential 80,367 81,985  Multi-family residential 30,369 28,950  Commercial 98,116 96,488  Construction 23,064 24,662  Consumer:  Home equity lines of credit 23,250 21,837  Other 4,524 6,018  Subtotal 307,195 303,684  Less: ALLL (6,716) (6,620)  Loans, net $ 300,479 $ 297,064 
Activity In ALLL By Portfolio Segment	The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2016:    Three months ended March 31, 2016 (unaudited)  Real Estate Consumer  Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other Total   Beginning balance $ 1,380 $ 691 $ 705 $ 2,710 $ 561 $ 474 $ 99 $ 6,620  Addition to (reduction in) provision for loan losses 106 50 17 (101) (38) 50 (34) 50  Charge-offs - - - - - - - -  Recoveries - - - - - 46 - 46  Ending balance $ 1,486 $ 741 $ 722 $ 2,609 $ 523 $ 570 $ 65 $ 6,716    The following table presents the activity in the ALLL by portfolio segment for the three months ended March 31, 2015:    Three months ended March 31, 2015 (unaudited)  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 88 65 (125) (77) 99 23 2 75  Charge-offs (8) - - - - - (10) (18)  Recoveries 25 1 - 33 - 4 6 69  Ending balance $ 1,451 $ 700 $ 693 $ 2,497 $ 541 $ 468 $ 92 $ 6,442     
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 the impairment method as of March 31, 2016 (unaudited) :    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 $ 54 $ 1 $ - $ 27 $ - $ - $ - $ 82  Collectively evaluated for impairment 1,432 740 722 2,582 523 570 65 6,634  Total ending allowance balance $ 1,486 $ 741 $ 722 $ 2,609 $ 523 $ 570 $ 65 $ 6,716   Loans:  Individually evaluated for impairment $ 721 $ 287 $ 1,577 $ 3,627 $ - $ - $ - $ 6,212  Collectively evaluated for impairment 46,784 80,080 28,792 94,489 23,064 23,250 4,524 300,983  Total ending loan balance $ 47,505 $ 80,367 $ 30,369 $ 98,116 $ 23,064 $ 23,250 $ 4,524 $ 307,195    The following table presents the balance in the ALLL and the recorded investment in loans by portfolio segment and based on the 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 
Individually Evaluated For Impairment By Class Of Loans	The following table presents loans individually evaluated for impairment by class of loans at March 31, 2016. 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. The table presents accrual basis interest income recognized during the three months ended March 31, 2016. Cash payments of interest on these loans during the three months ended March 31, 2016 totaled $79 .    Three months ended  As of March 31, 2016 (unaudited) March 31, 2016 (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ 36 $ 28 $ - $ 28 $ -  Real estate:  Single-family residential 322 161 - 161 -  Multi-family residential 1,534 1,534 - 1,539 23  Commercial:  Non-owner occupied 546 446 - 446 -  Owner occupied 890 368 - 370 9  Land - - - - -  Total with no allowance recorded 3,328 2,537 - 2,544 32   With an allowance recorded:  Commercial 694 693 54 701 2  Real estate:  Single-family residential 127 126 1 127 2  Multi-family residential 43 43 - 44 1  Commercial:  Non-owner occupied 2,213 2,214 21 2,217 33  Owner occupied 359 360 3 361 5  Land 284 239 3 242 4  Total with an allowance recorded 3,720 3,675 82 3,692 47  Total $ 7,048 $ 6,212 $ 82 $ 6,236 $ 79   The following table presents loans individually evaluated for impairment by class of loans at 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. The table presents accrual basis interest income recognized during the three months ended March 31, 2015. Cash payments of interest during the three months ended March 31, 2015 totaled $83 .    Three months ended  As of December 31, 2015 March 31, 2015 (unaudited)  Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income Recognized  With no related allowance recorded:  Commercial $ 36 $ 28 $ - $ 69 $ 1  Real estate:  Single-family residential 322 161 - 171 -  Multi-family residential 1,545 1,545 - 1,574 23  Commercial:  Non-owner occupied 546 446 - 468 -  Owner occupied 688 167 - 180 10  Land - - - - -  Total with no allowance recorded 3,137 2,347 - 2,462 34   With an allowance recorded:  Commercial 394 394 5 490 3  Real estate:  Single-family residential 128 128 1 123 2  Multi-family residential 45 45 - 51 1  Commercial:  Non-owner occupied 2,224 2,224 9 2,256 33  Owner occupied 363 363 1 377 5  Land 294 249 4 297 5  Total with an allowance recorded 3,448 3,403 20 3,594 49  Total $ 6,585 $ 5,750 $ 20 $ 6,056 $ 83 
Recorded Investment In Nonperforming Loans By Class Of Loans	    March 31, 2016 December 31, 2015  (unaudited)  Loans past due over 90 days still on accrual $ - $ -  Nonaccrual loans:  Commercial 214 224  Real estate:  Single-family residential 668 640  Multi-family residential - -  Commercial:  Non-owner occupied 446 446  Owner occupied - -  Land - -  Consumer:  Home equity lines of credit:  Originated for portfolio 20 20  Purchased for portfolio 94 95  Other consumer - -  Total nonaccrual 1,442 1,425  Total nonaccrual and nonperforming loans $ 1,442 $ 1,425 
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 March 31, 2016 (unaudited) :   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 $ 5 $ - $ 28 $ 33 $ 47,472 $ 186  Real estate:  Single-family residential 1,229 52 308 1,589 78,778 360  Multi-family residential - - - - 30,369 -  Commercial:  Non-owner occupied - - 446 446 60,631 -  Owner occupied - - - - 28,400 -  Land - - - - 8,639 -  Construction - - - - 23,064 -  Consumer:  Home equity lines of credit:  Originated for portfolio - 20 - 20 22,204 20  Purchased for portfolio 94 - - 94 932 94  Other - - - - 4,524 -  Total $ 1,328 $ 72 $ 782 $ 2,182 $ 305,013 $ 660    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 
Loans Modified As TDRs By Class Of Loans	    March 31, 2016 December 31, 2015  (unaudited)  Commercial $ 185 $ 195  Real estate:  Single-family residential 161 161  Multi-family residential - -  Commercial:  Non-owner occupied - -  Owner occupied - -  Total $ 346 $ 356 
Recorded Investment In Loans By Risk Category And Class Of Loans	The recorded investment in loans by risk category and by class of loans as of March 31, 2016 and based on the most recent analysis performed follows. There were no loans rated doubtful at March 31, 2016 . (unaudited)    Not Rated Pass Special Mention Substandard Total   Commercial $ 72 $ 44,924 $ 1,907 $ 602 $ 47,505  Real estate:  Single-family residential 79,675 - - 692 80,367  Multi-family residential - 29,669 523 177 30,369  Commercial:  Non-owner occupied 122 57,766 1,837 1,352 61,077  Owner occupied - 24,982 3,049 369 28,400  Land - 6,094 - 2,545 8,639  Construction 9,101 13,963 - - 23,064  Consumer:  Home equity lines of credit:  Originated for portfolio 22,114 - - 110 22,224  Purchased for portfolio 783 - - 243 1,026  Other 751 3,773 - - 4,524  $ 112,618 $ 181,171 $ 7,316 $ 6,090 $ 307,195    The recorded investment in loans by risk category and by class of loans as of December 31, 2015 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 

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2016
Fair Value [Abstract]
Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities	  Fair Value Measurements at March 31, 2016 using Significant Other Observable Inputs  (Level 2)  (unaudited)  Financial Assets:  Securities available for sale:  Issued by U.S. government-sponsored entities and agencies:  U.S. Treasury $ 8,628  Mortgage-backed securities - residential 449  Collateralized mortgage obligations 295  Total securities available for sale $ 9,372   Loans held for sale 1,598   Yield maintenance provisions (embedded derivatives) $ 245   Interest rate lock commitments $ 6   Financial Liabilities:  Interest-rate swaps $ 245      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 
Assets measured at fair value on a non-recurring basis	  Fair Value Measurements at March 31, 2016 Using  Significant Unobservable Inputs (Level 3)  (unaudited)  Impaired loans:  Commercial $ 139  Real Estate:  Single-family residential 126  Multi-family residential 43  Commercial:  Non-owner occupied 2,193  Owner occupied 209  Land 236  Total impaired loans $ 2,946       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 
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 March 31, 2016 (unaudited) :   Fair Value Valuation Technique(s) Unobservable Inputs (Range) Weighted Average  Impaired loans:  Commercial $ 139 Comparable sales approach Adjustment for differences between the comparable market transactions 1.10%  Commercial real estate:  Single-family residential 126 Comparable sales approach Adjustment for differences between the comparable market transactions ( -1.23% , 4.63% ) -.17%  Multi-family residential 43 Comparable sales approach Adjustment for differences between the comparable market transactions 5.74%  Commercial:  Non-owner occupied 2,193 Comparable sales approach Adjustment for differences between the comparable market transactions ( 1.10% , 5.74% ) 1.35%  Owner occupied 209 Comparable sales approach Adjustment for differences between the comparable market transactions -29.30%  Land 236 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, 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% 
Aggregate fair value, contractual balance (including accrued interest) and gain or loss	   March 31, 2016 December 31, 2015  (unaudited)  Aggregate fair value $ 1,598 $ 889  Contractual balance 1,592 884  Gain (loss) 6 5 
Amount of gains and losses from changes in fair value included in earnings	  Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Interest income $ 6 $ 29  Interest expense - -  Change in fair value 1 12  Total change in fair value $ 7 $ 41 
Carrying amounts and estimated fair values of financial instruments	  Fair Value Measurements at March 31, 2016 Using (unaudited):  Carrying  Value Level 1 Level 2 Level 3 Total  Financial assets  Cash and cash equivalents $ 24,779 $ 24,779 $ - $ - $ 24,779  Securities available for sale 9,372 - 9,372 - 9,372  Loans held for sale 1,598 - 1,598 - 1,598  Loans, net 300,479 - - 305,348 305,348  FHLB stock 1,942 n/a n/a n/a n/a  Accrued interest receivable 857 1 18 838 857  Yield maintenance provisions (embedded derivatives) 245 - 245 - 245  Interest rate lock commitments 6 - 6 - 6   Financial liabilities  Deposits $ (292,434) $ (146,927) (146,401) $ - $ (293,328)  FHLB advances and other borrowings (14,500) - (14,889) - (14,889)  Advances by borrowers for taxes and insurance (353) - - (353) (353)  Subordinated debentures (5,155) - (2,291) - (2,291)  Accrued interest payable (49) - (49) - (49)  Interest-rate swaps (245) - (245) - (245)   The carrying amounts and estimated fair values of financial instruments at December 31, 2015 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  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) 

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2016
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 566,696 $ 1.48  Granted - -  Exercised - -  Expired - -  Cancelled or Forfeited (7,500) 1.43  Outstanding at end of period 559,196 $ 1.48 7.2 $ -   Expected to vest 91,502 $ 1.43 7.5 $ -   Exercisable at end of period 467,694 $ 1.49 7.1 $ - 
Nonvested Restricted Shares Activity	  Nonvested Shares Shares Weighted Average Grant- Date Fair Value  Nonvested at January 1, 2016 200,500 $ 1.37  Granted - -  Vested - -  Forfeited - -  Nonvested at March 31, 2016 200,500 $ 1.37 

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	3 Months Ended
	Mar. 31, 2016
Regulatory Capital Matters [Abstract]
Actual and required capital amounts and ratios of CFBank	   To Be Well  Minimum Capital Minimum Capital Capitalized Under  Required-Basel III Required-Basel III Applicable Regulatory  Actual Phase-In Schedule Fully Phased-In Capital Standards  Amount Ratio Amount Ratio Amount Ratio Amount Ratio   March 31, 2016 (unaudited)  Total Capital to risk  weighted assets $ 42,029 13.69% $ 26,500 8.63% $ 32,243 10.50% $ 30,707 10.00%   Tier 1 (Core) Capital to risk  weighted assets 38,155 12.43% 20,359 6.63% 26,101 8.50% 24,566 8.00%   Common equity tier 1 capital  to risk-weighted assets 38,155 12.43% 15,753 5.13% 21,495 7.00% 19,960 6.50%   Tier 1 (Core) Capital to  adjusted total assets (Leverage ratio) 38,155 10.89% 14,009 4.00% 14,009 4.00% 17,512 5.00%      To Be Well  Capitalized Under Required  For Capital Applicable Regulatory Pursuant to  Actual Adequacy Purposes Capital Standards 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. See Note 2- Regulatory Order Considerations for additional information.

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
Derivative Instruments [Abstract]
Summary of derivative instruments	   March 31, 2016 December 31, 2015  (unaudited)  Notional amount $ 2,849 $ 2,877  Weighted average pay rate on interest-rate swaps 3.67% 3.67%  Weighted average receive rate on interest-rate swaps 0.47% 0.39%  Weighted average maturity (years) 3.7 4.0  Fair value of interest-rate swaps $ (245) $ (213)  Fair value of yield maintenance provisions 245 213 

Accumulated Other Comprehensi31

Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	  Changes in Accumulated Other Comprehensive Income by Component (1)   Three months ended March 31,  2016 2015  (unaudited) (unaudited)  Unrealized Gains and Losses on Available-for-Sale Securities   Accumulated other comprehensive income (loss), beginning of period $ (9) $ 51   Other comprehensive gain before reclassifications 69 34  Less amount reclassified from accumulated other comprehensive loss (2) - 12  Net current-period other comprehensive income (loss) 69 46   Accumulated other comprehensive income (loss), end of period $ 60 $ 97  (1) All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income. (2) There were no amounts reclassified out of other comprehensive income for the three months ended March 31, 2016. There was $12 reclassified out of other comprehensive income for the three months ended March 31, 2015 due to an early redemption on a municipal security.

Summary of Significant Accoun32

Summary of Significant Accounting Policies (Narrative) (Details) $ in Thousands	Mar. 31, 2016USD ($)
Summary Of Significant Accounting Policies [Abstract]
Balances of loans of all other classes while impairment evaluation	$ 250

Summary Of Significant Accoun33

Summary Of Significant Accounting Policies (Earnings Per Common Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Basic
Net income	$ 316	$ 251
Dividends on Series B preferred stock and accretion of discount	(214)	(214)
Net income allocated to common stockholders	$ 102	$ 37
Weighted average common shares outstanding including unvested share-based payment awards	16,024,210	15,823,710
Less: Unvested share-based payment awards
Average shares	16,024,210	15,823,710
Basic earnings per common share	$ 0.01	$ 0
Diluted
Add: Dilutive effects of assumed exercises of stock options	9,778	7,444
Add: Dilutive effects of assumed exercises of Series B preferred stock
Average shares and dilutive potential common shares	16,033,988	15,831,154
Diluted earnings per common share	$ 0.01	$ 0

Summary Of Significant Accoun34

Summary Of Significant Accounting Policies (Anti-Dilutive Common Shares) (Details) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	394,196	456,396
Series B Preferred Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	6,857,143	6,857,143
Stock Warrants [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive securities	1,152,125	1,152,125

Regulatory Order Consideratio35

Regulatory Order Considerations (Details)	3 Months Ended
	Mar. 31, 2016USD ($)
Regulatory Order Considerations [Abstract]
Individualized workout plans on minimum criticized assets amount	$ 250,000

Securities (Narrative) (Details

Securities (Narrative) (Details)	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)security	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment recognized in accumulated other comprehensive income (loss) for securities available for sale	$ 0	$ 0
Sales of securities	$ 0	$ 0
Issued by U.S. Government-Sponsored Entities and Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Minimum percentage of securities hold	10.00%		10.00%
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities | security	2
Other-than-temporarily impaired securities	$ 0		$ 0

Securities (Amortized Cost And

Securities (Amortized Cost And Fair Value Of Available-For-Sale Securities Portfolio) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 9,281	$ 9,377
Gross Unrealized Gains	92	34
Gross Unrealized Losses	1	43
Fair Value	9,372	9,368
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	8,566	8,575
Gross Unrealized Gains	63	4
Gross Unrealized Losses	1	43
Fair Value	8,628	8,536
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	432	463
Gross Unrealized Gains	17	18
Fair Value	449	481
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	283	339
Gross Unrealized Gains	12	12
Fair Value	$ 295	$ 351

Securities (Amortized Cost an38

Securities (Amortized Cost and Fair Value of Debt Securities by Contractual Maturity) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule Of Available For Sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 1,002	$ 1,002
Due from one to five years, Amortized Cost	7,564	7,573
Amortized Cost	9,281	9,377
Due in one year or less, Fair Value	1,002	1,000
Due from one to five years, Fair Value	7,626	7,536
Available-for-sale Securities, Total	9,372	9,368
Mortgage-Backed Securities - Residential [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	432	463
No single maturity, Fair Value	449	481
Available-for-sale Securities, Total	449	481
Collateralized Mortgage Obligations [Member]
Schedule Of Available For Sale Securities [Line Items]
No single maturity, Amortized Cost	283	339
No single maturity, Fair Value	295	351
Available-for-sale Securities, Total	$ 295	$ 351

Securities (Fair Value Of Secur

Securities (Fair Value Of Securities Pledged) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Pledged as collateral for:
FHLB advances	$ 3,491	$ 3,530
Public deposits	2,064	2,055
Interest-rate swaps	243	261
Total	$ 5,798	$ 5,846

Securities (Securities With Unr

Securities (Securities With Unrealized Losses) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	$ 1,521	$ 6,541
Less than Twelve Months, Unrealized Loss	$ 1	$ 43
Twelve Months or More, Fair Value
Twelve Months or More, Unrealized Loss
Total, Fair Value	$ 1,521	$ 6,541
Total, Unrealized Loss	1	43
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value	1,518	6,541
Less than Twelve Months, Unrealized Loss	$ 1	$ 43
Twelve Months or More, Fair Value
Twelve Months or More, Unrealized Loss
Total, Fair Value	$ 1,518	$ 6,541
Total, Unrealized Loss	$ 1	$ 43
Mortgage-Backed Securities - Residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than Twelve Months, Fair Value
Less than Twelve Months, Unrealized Loss
Twelve Months or More, Fair Value
Twelve 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 Twelve Months, Fair Value	$ 3
Less than Twelve Months, Unrealized Loss
Twelve Months or More, Fair Value
Twelve Months or More, Unrealized Loss
Total, Fair Value	$ 3
Total, Unrealized Loss

Loans (Narrative) (Details)

Loans (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)loan	Mar. 31, 2015USD ($)loan	Dec. 31, 2015USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 300,479		$ 297,064
Cash payments of interest	$ 79	$ 83
Loans 90 days or more past due and still accruing interest
Number of days of default payment	90 days
Total TDR's	$ 5,212		$ 5,276
Allocated specific reserves to modified TDRs	33		20
Commitment to lend additional amounts	$ 0		0
Number of loans modified as a TDR | loan	0	0
Number of TDRs in payment default | loan	0	0
Recorded investment of loans undergoing modifications, not TDRs	$ 4,090	$ 2,517
Accruing TDR's	$ 4,866		$ 4,920
Period of timely payments before reversion to accruing status	6 months
Northpointe [Member] | Mortgage Purchase Program Member [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%
Ownership interest in each loan it participates	5.00%
Single-Family Residential [Member] | Northpointe [Member] | Mortgage Purchase Program Member [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 38,572		$ 43,517

Loans (Recorded Investment In L

Loans (Recorded Investment In Loans By Portfolio Segment) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Accounts Notes And Loans Receivable [Line Items]
Subtotal	$ 307,195	$ 303,684
Less: ALLL	(6,716)	(6,620)	$ (6,442)	$ (6,316)
Loans, net	300,479	297,064
Single-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	80,367	81,985
Less: ALLL	(741)	(691)	(700)	(634)
Multi-Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	30,369	28,950
Less: ALLL	(722)	(705)	(693)	(818)
Construction [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	23,064	24,662
Less: ALLL	(523)	(561)	(541)	(442)
Home Equity Lines of Credit [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	23,250	21,837
Less: ALLL	(570)	(474)	(468)	(441)
Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	47,505	43,744
Less: ALLL	(1,486)	(1,380)	(1,451)	(1,346)
Real Estate Commercial [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	98,116	96,488
Less: ALLL	(2,609)	(2,710)	(2,497)	(2,541)
Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Subtotal	4,524	6,018
Less: ALLL	$ (65)	$ (99)	$ (92)	$ (94)

Loans (Activity In ALLL By Port

Loans (Activity In ALLL By Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 6,620	$ 6,316
Addition to (reduction in) provision for loan losses	$ 50	75
Charge-offs		(18)
Recoveries	$ 46	69
Ending balance	6,716	6,442
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	691	634
Addition to (reduction in) provision for loan losses	$ 50	65
Charge-offs
Recoveries		1
Ending balance	$ 741	700
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	705	818
Addition to (reduction in) provision for loan losses	$ 17	(125)
Charge-offs
Ending balance	$ 722	693
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	561	442
Addition to (reduction in) provision for loan losses	$ (38)	99
Charge-offs
Ending balance	$ 523	541
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	474	441
Addition to (reduction in) provision for loan losses	$ 50	23
Charge-offs
Recoveries	$ 46	4
Ending balance	570	468
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,380	1,346
Addition to (reduction in) provision for loan losses	$ 106	88
Charge-offs		(8)
Recoveries		25
Ending balance	$ 1,486	1,451
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,710	2,541
Addition to (reduction in) provision for loan losses	$ (101)	(77)
Charge-offs
Recoveries		33
Ending balance	$ 2,609	2,497
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	99	94
Addition to (reduction in) provision for loan losses	$ (34)	2
Charge-offs		(10)
Recoveries		6
Ending balance	$ 65	$ 92

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	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 82	$ 20
Collectively evaluated for impairment	6,634	6,600
Total ending allowance balance	6,716	6,620	$ 6,442	$ 6,316
Individually evaluated for impairment	6,212	5,750
Collectively evaluated for impairment	300,983	297,934
Subtotal	307,195	303,684
Single-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	1	1
Collectively evaluated for impairment	740	690
Total ending allowance balance	741	691	700	634
Individually evaluated for impairment	287	289
Collectively evaluated for impairment	80,080	81,696
Subtotal	80,367	81,985
Multi-Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	722	705
Total ending allowance balance	722	705	693	818
Individually evaluated for impairment	1,577	1,590
Collectively evaluated for impairment	28,792	27,360
Subtotal	30,369	28,950
Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	523	561
Total ending allowance balance	523	561	541	442
Collectively evaluated for impairment	23,064	24,662
Subtotal	23,064	24,662
Home Equity Lines of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	570	474
Total ending allowance balance	570	474	468	441
Collectively evaluated for impairment	23,250	21,837
Subtotal	23,250	21,837
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	54	5
Collectively evaluated for impairment	1,432	1,375
Total ending allowance balance	1,486	1,380	1,451	1,346
Individually evaluated for impairment	721	422
Collectively evaluated for impairment	46,784	43,322
Subtotal	47,505	43,744
Real Estate Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	27	14
Collectively evaluated for impairment	2,582	2,696
Total ending allowance balance	2,609	2,710	2,497	2,541
Individually evaluated for impairment	3,627	3,449
Collectively evaluated for impairment	94,489	93,039
Subtotal	98,116	96,488
Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	65	99
Total ending allowance balance	65	99	$ 92	$ 94
Collectively evaluated for impairment	4,524	6,018
Subtotal	$ 4,524	$ 6,018

Loans (Individually Evaluated F

Loans (Individually Evaluated For Impairment By Class Of Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 3,328		$ 3,137
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	3,720		3,448
Impaired Financing Receivable, Unpaid Principal Balance, Total	7,048		6,585
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,537		2,347
Impaired Financing Receivable, with Related Allowance, Recorded Investment	3,675		3,403
Impaired Financing Receivable, Recorded Investment, Total	6,212		5,750
Impaired Financing Receivable, Allocated Loans and Leases	82		20
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	2,544	$ 2,462
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,692	3,594
Impaired Financing Receivable, Average Recorded Investment, Total	6,236	6,056
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	32	34
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	47	49
Impaired Financing Receivable, Interest Income Recognized, Total	79	83
Impaired Financing Receivable Allocated Loans and Leases	82		20
Single-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	322		322
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	127		128
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	161		161
Impaired Financing Receivable, with Related Allowance, Recorded Investment	126		128
Impaired Financing Receivable, Allocated Loans and Leases	1		1
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	161	171
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	127	123
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	2	2
Multi-Family Residential [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,534		1,545
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	43		45
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,534		1,545
Impaired Financing Receivable, with Related Allowance, Recorded Investment	43		45
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	1,539	1,574
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	44	51
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	23	23
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	1	1
Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	546		546
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	2,213		2,224
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	446		446
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,214		2,224
Impaired Financing Receivable, Allocated Loans and Leases	21		9
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	446	468
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	2,217	2,256
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	33	33
Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	890		688
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	359		363
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	368		167
Impaired Financing Receivable, with Related Allowance, Recorded Investment	360		363
Impaired Financing Receivable, Allocated Loans and Leases	3		$ 1
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	370	180
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	361	377
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized	9	10
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 5	$ 5
Land [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	$ 284		$ 294
Impaired Financing Receivable, with No Related Allowance, Recorded Investment
Impaired Financing Receivable, with Related Allowance, Recorded Investment	$ 239		$ 249
Impaired Financing Receivable, Allocated Loans and Leases	$ 3		4
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	$ 242	$ 297
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 4	$ 5
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	36		36
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	694		394
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	28		28
Impaired Financing Receivable, with Related Allowance, Recorded Investment	693		394
Impaired Financing Receivable, Allocated Loans and Leases	54		$ 5
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	28	69
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	701	490
Impaired Financing Receivable, with no Related Allowance, Interest Income Recognized		1
Impaired Financing Receivable, with Related Allowance, Interest Income Recognized	$ 2	$ 3

Loans (Recorded Investment In N

Loans (Recorded Investment In Nonperforming Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total over 90 days still on accrual loans
Total nonaccrual and nonperforming loans	$ 1,442	$ 1,425
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 668	$ 640
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 446	$ 446
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 20	$ 20
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	94	95
Nonaccrual [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	1,442	1,425
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans	$ 214	$ 224
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total nonaccrual and nonperforming loans

Loans (Aging Of Recorded Invest

Loans (Aging Of Recorded Investment In Past Due Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 2,182	$ 1,390
Loans Not Past Due	305,013	302,294
Nonaccrual Loans Not > 90 Days Past Due	660	1,249
Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,589	907
Loans Not Past Due	78,778	81,078
Nonaccrual Loans Not > 90 Days Past Due	360	492
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	30,369	28,950
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	446	446
Loans Not Past Due	60,631	57,573
Nonaccrual Loans Not > 90 Days Past Due		446
Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	28,400	30,169
Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	8,639	8,300
Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	23,064	24,662
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20
Loans Not Past Due	22,204	20,789
Nonaccrual Loans Not > 90 Days Past Due	20	20
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	94
Loans Not Past Due	932	1,048
Nonaccrual Loans Not > 90 Days Past Due	94	95
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,328	598
30 - 59 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,229	598
30 - 59 Days Past Due [Member] | Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	94
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	72	616
60 - 89 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	52	161
60 - 89 Days Past Due [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		446
60 - 89 Days Past Due [Member] | Originated for Portfolio [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	782	176
Greater than 90 Days Past Due [Member] | Single-Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	308	148
Greater than 90 Days Past Due [Member] | Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	446
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	33	37
Loans Not Past Due	47,472	43,707
Nonaccrual Loans Not > 90 Days Past Due	186	196
Commercial [Member] | 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5
Commercial [Member] | 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		9
Commercial [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	28	28
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	$ 4,524	$ 6,018

Loans (Loans Modified As TDRs B

Loans (Loans Modified As TDRs By Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 5,212	$ 5,276
Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	346	356
Single-Family Residential [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 161	$ 161
Multi-Family Residential [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment
Non-Owner Occupied [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment
Owner Occupied [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment
Commercial [Member] | Nonperforming Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 185	$ 195

Loans (Recorded Investment In49

Loans (Recorded Investment In Loans By Risk Category And Class Of Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 307,195	$ 303,684
Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	112,618	119,206
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	181,171	171,512
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	7,316	7,351
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,090	5,615
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Single-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	80,367	81,985
Single-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	79,675	81,318
Single-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	692	667
Multi-Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,369	28,950
Multi-Family Residential [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans		2,777
Multi-Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	29,669	25,466
Multi-Family Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	523	528
Multi-Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	177	179
Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	61,077	58,019
Non-Owner Occupied [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	122	125
Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	57,766	54,674
Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,837	1,852
Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,352	1,368
Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	28,400	30,169
Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,982	26,923
Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,049	3,079
Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	369	167
Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,639	8,300
Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,094	5,720
Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,545	2,580
Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,064	24,662
Construction [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,101	11,252
Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	13,963	13,410
Originated for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,224	20,789
Originated for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,114	20,677
Originated for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	110	112
Purchased for Portfolio [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,026	1,048
Purchased for Portfolio [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	783	802
Purchased for Portfolio [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	243	246
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	47,505	43,744
Commercial [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	72	83
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	44,924	41,473
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,907	1,892
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	602	296
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,524	6,018
Other [Member] | Not Rated [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	751	2,172
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 3,773	$ 3,846

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Jun. 30, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 1,598,000		$ 889,000
Unpaid principal balance of impairment loan at collateral	3,019,000		3,050,000
Valuation allowance	28,000		16,000
Write-downs of impaired collateral-dependent loans	0	$ 0
Credit Card Portfolio [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale				$ 175,000
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 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,598,000		889,000
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	Mar. 31, 2016	Dec. 31, 2015
Financial Assets:
Total securities available for sale	$ 9,372	$ 9,368
Yield maintenance provisions (embedded derivatives)	245	213
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	9,372	9,368
Yield maintenance provisions (embedded derivatives)	245	213
Interest rate lock commitments	6	8
Financial Liabilities:
Interest-rate swaps	245	213
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	9,372	9,368
Loans held for sale	1,598	889
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	8,628	8,536
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	449	481
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Total securities available for sale	295	351
Fair Value, Measurements, Recurring [Member] | Yield maintenance provisions (embedded derivatives) [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Yield maintenance provisions (embedded derivatives)	245	213
Fair Value, Measurements, Recurring [Member] | Interest Rate Lock Commitments [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Interest rate lock commitments	6	8
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Liabilities:
Interest-rate swaps	$ 245	$ 213

Fair Value (Assets Measured At

Fair Value (Assets Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Impaired loans:
Total impaired loans	$ 7,048	$ 6,585
Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	2,946	2,989
Commercial [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	139	143
Single-Family Residential [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	126	128
Multi-Family Residential [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	43	45
Non-Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	2,193	2,215
Owner Occupied [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	209	213
Land [Member] | Financial instruments measured at fair value on a non-recurring basis [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Total impaired loans	$ 236	$ 245

Fair Value (Financial Instrumen

Fair Value (Financial Instruments Measured At Fair Value On A Non-Recurring Basis) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	1.10%
Commercial [Member]
Impaired loans:
Impaired loans at Fair Value	$ 139	$ 143
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Fair Value Inputs, Adjustment for differences between the comparable market transactions	1.10%	1.10%
Single-Family Residential [Member]
Impaired loans:
Impaired loans at Fair Value	$ 126	$ 128
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Single-Family Residential [Member] | Minimum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	(1.23%)	(1.23%)
Single-Family Residential [Member] | Maximum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	4.63%	4.63%
Single-Family Residential [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	(0.17%)	(0.17%)
Multi-Family Residential [Member]
Impaired loans:
Impaired loans at Fair Value	$ 43	$ 45
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Fair Value Inputs, Adjustment for differences between the comparable market transactions	5.74%	5.74%
Non-Owner Occupied [Member]
Impaired loans:
Impaired loans at Fair Value	$ 2,193	$ 2,215
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Non-Owner Occupied [Member] | Minimum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	1.10%	1.10%
Non-Owner Occupied [Member] | Maximum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	5.74%	5.74%
Non-Owner Occupied [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	1.35%	1.35%
Owner Occupied [Member]
Impaired loans:
Impaired loans at Fair Value	$ 209	$ 213
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Fair Value Inputs, Adjustment for differences between the comparable market transactions	(29.30%)	(29.30%)
Land [Member]
Impaired loans:
Impaired loans at Fair Value	$ 236	$ 245
Impaired loans:
Valuation Technique(s)	Comparable sales approach
Land [Member] | Minimum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	(1.89%)	(1.89%)
Land [Member] | Maximum [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	2.54%	2.54%
Land [Member] | Weighted Average [Member]
Impaired loans:
Fair Value Inputs, Adjustment for differences between the comparable market transactions	0.08%	0.08%

Fair Value (Aggregate Fair Valu

Fair Value (Aggregate Fair Value, Contractual Balance (Including Accrued Interest) And Gain Or Loss) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value [Abstract]
Aggregate fair value	$ 1,598	$ 889
Contractual balance	1,592	884
Gain (loss)	$ 6	$ 5

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	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Fair Value [Abstract]
Interest income	$ 6	$ 29
Interest expense
Change in fair value	$ 1	$ 12
Total change in fair value	$ 7	$ 41

Fair Value (Carrying Amounts An

Fair Value (Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financial assets
Securities available for sale	$ 9,372	$ 9,368
Loans held for sale	1,598	889
Yield maintenance provisions (embedded derivatives)	245	213
Financial liabilities
Advances by borrowers for taxes and insurance	(353)	(656)
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and cash equivalents	24,779	25,895
Accrued interest receivable	1	1
Financial liabilities
Deposits	(146,927)	(147,523)
Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities available for sale	9,372	9,368
Loans held for sale	1,598	889
Accrued interest receivable	18	21
Yield maintenance provisions (embedded derivatives)	245	213
Interest rate lock commitments	6	8
Financial liabilities
Deposits	(146,401)	(143,236)
FHLB advances and other borrowings	(14,889)	(14,693)
Subordinated debentures	(2,291)	(2,269)
Accrued interest payable	(49)	(44)
Interest-rate swaps	(245)	(213)
Fair Value, Inputs, Level 3 [Member]
Financial assets
Loans, net	305,348	295,498
Accrued interest receivable	838	809
Financial liabilities
Advances by borrowers for taxes and insurance	(353)	(656)
Carrying Value [Member]
Financial assets
Cash and cash equivalents	24,779	25,895
Securities available for sale	9,372	9,368
Loans held for sale	1,598	889
Loans, net	300,479	297,064
FHLB stock	1,942	1,942
Accrued interest receivable	857	831
Yield maintenance provisions (embedded derivatives)	245	213
Interest rate lock commitments	6	8
Financial liabilities
Deposits	(292,434)	(290,467)
FHLB advances and other borrowings	(14,500)	(14,500)
Advances by borrowers for taxes and insurance	(353)	(656)
Subordinated debentures	(5,155)	(5,155)
Accrued interest payable	(49)	(44)
Interest-rate swaps	(245)	(213)
Estimate of Fair Value [Member]
Financial assets
Cash and cash equivalents	24,779	25,895
Securities available for sale	9,372	9,368
Loans held for sale	1,598	889
Loans, net	305,348	295,498
Accrued interest receivable	857	831
Yield maintenance provisions (embedded derivatives)	245	213
Interest rate lock commitments	6	8
Financial liabilities
Deposits	(293,328)	(290,759)
FHLB advances and other borrowings	(14,889)	(14,693)
Advances by borrowers for taxes and insurance	(353)	(656)
Subordinated debentures	(2,291)	(2,269)
Accrued interest payable	(49)	(44)
Interest-rate swaps	$ (245)	$ (213)

Subordinated Debentures (Detail

Subordinated Debentures (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Jun. 30, 2014	Dec. 31, 2003
Subsidiary, Sale of Stock [Line Items]
Subordinated debentures	$ 5,155,000	$ 5,155,000
Holding Company's investment in the common stock				$ 155,000
Cumulative deferred interest payments	$ 0	$ 0	$ 293,000
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 Debt [Member]
Subsidiary, Sale of Stock [Line Items]
Maturity date of subordinated debentures	Dec. 30, 2033
Number of years with no principal repayment	5 years
Maximum number of years for deferred interest payments	5 years
Subordinated Debt [Member] | Subordinated debentures mature on December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
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%
Trust preferred securities and subordinated debentures have a stated percentage	3.48%	3.45%
Subordinated Debt [Member] | London Interbank Offered Rate (LIBOR) [Member] | Subordinated debentures mature on December 30, 2033 [Member]
Subsidiary, Sale of Stock [Line Items]
Trust preferred securities and subordinated debentures have a variable rate of interest	2.85%

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)ShareBasedCompensationPlanshares	Mar. 31, 2015USD ($)shares	Dec. 31, 2015shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	3
Compensation cost | $	$ 30	$ 35
Shares available to be issued	1,500,000
Shares cancelled or forfeited	7,500
Stock Options Exercised
Shares Granted
Nonvested stock options, expected to vest	91,502
Shares, Nonvested	200,500		200,500
Shares, Forfeited
Shares, Vested
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]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	815,342
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	10 years
Stock Options Exercised	0	0
Shares Granted	0	0
Unrecognized compensation cost | $	$ 16
Period over which unrecognized compensation costs are expected to be recognized	6 months
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] | 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]
Unrecognized compensation cost | $	$ 237	$ 0
Shares issued	0	0
Shares, Forfeited	0	0
Shares, Vested	0	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
Restricted Stock [Member] | 2009 Equity Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of Shares Authorized	200,000
Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	1 year
Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting periods	3 years

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Stock Option Activity) (Details)	3 Months Ended
	Mar. 31, 2016USD ($)$ / sharesshares
Stock-Based Compensation [Abstract]
Shares, Outstanding at beginning of year | shares	566,696
Shares Granted | shares
Shares Exercised | shares
Shares Expired | shares
Shares Cancelled or Forfeited | shares	(7,500)
Shares, Outstanding at end of year | shares	559,196
Shares, Expected to vest | shares	91,502
Shares, Exercisable at end of period | shares	467,694
Weighted Average Exercise Price, Outstanding at Beginning Balance | $ / shares	$ 1.48
Weighted Average Exercise Price, Granted | $ / shares
Weighted Average Exercise Price, Exercised | $ / shares
Weighted Average Exercise Price, Expired | $ / shares
Weighted Average Exercise Price, Cancelled or Forfeited | $ / shares	$ 1.43
Weighted Average Exercise Price, Outstanding at Ending Balance | $ / shares	1.48
Weighted Average Exercise Price, Expected to Vest | $ / shares	1.43
Weighted Average Exercise Price, Exercisable at end of period | $ / shares	$ 1.49
Outstanding at end of period	7 years 2 months 12 days
Expected to vest	7 years 6 months
Exercisable at end of period	7 years 1 month 6 days
Intrinsic value, Outstanding at end of year | $
Intrinsic value, Expected to vest | $
Intrinsic value, Exercisable at end of period | $

Stock-Based Compensation (Nonve

Stock-Based Compensation (Nonvested Restricted Shares Activity) (Details)	3 Months Ended
	Mar. 31, 2016$ / sharesshares
Stock-Based Compensation [Abstract]
Nonvested shares, beginning balance | shares	200,500
Nonvested shares, granted | shares
Nonvested shares, vested | shares
Nonvested shares, forfeited | shares
Nonvested shares, ending balance | shares	200,500
Nonvested, weighted average grant date fair value, beginning balance | $ / shares	$ 1.37
Nonvested, weighted average grant date fair value, granted | $ / shares
Nonvested, weighted average grant date fair value, vested | $ / shares
Nonvested, weighted average grant date fair value, forfeited | $ / shares
Nonvested, weighted average grant date fair value, ending balance | $ / shares	$ 1.37

Regulatory Capital Matters (Nar

Regulatory Capital Matters (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Jan. 01, 2016	Dec. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Percent of Qualified Thrift Lender test requires	65.00%
Common equity tier 1 capital to risk-weighted assets, ratio	4.50%
Capital conservation buffer	2.50%	0.625%
Common Equity Tier 1 capital to risk weighted assets, upon full implementation, ratio	7.00%
Tier 1 capital to risk-weighted assets, ratio	6.00%
Tier 1 capital to risk weighted assets, upon full implementation, ratio	8.50%
Total capital to risk-weighted assets, ratio	8.00%
Total capital to risk weighted assets, upon full implementation, ratio	10.50%
Minimum leverage ratio	4.00%
Capital conservative buffer phase period	4 years
Tier 1 (Core) Capital	5.00%		5.00%
Total capital to risk weighted assets	10.00%		10.00%
Opening Balance in Liquidation Account	$ 14,300
Future percent, common equity of risk-weighted assets	2.50%
CF Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
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	Mar. 31, 2016	Dec. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to risk weighted assets, Actual Amount	$ 42,029	$ 41,528
Tier 1 (Core) Capital to risk weighted assets, Actual Amount	38,155	37,694
Common equity Tier 1 (Core) Capital to risk weighted assets, Actual Amount	38,155	37,694
Tier 1 (Core) Capital to adjusted total assets, Actual Amount	$ 38,155	$ 37,694
Total Capital to risk weighted assets, Actual Ratio	13.69%	13.67%
Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	12.43%	12.40%
Common equity Tier 1 (Core) Capital to risk weighted assets, Actual Ratio	12.43%	12.40%
Tier 1 (Core) Capital to adjusted total assets, Actual Ratio	10.89%	11.12%
Total Capital to risk weighted assets, Phase-In Schedule Amount	$ 26,500
Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	20,359
Common equity Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Amount	15,753
Tier 1 (Core) Capital to adjusted total assets, Phase-In Schedule Amount	$ 14,009
Total Capital to risk weighted assets, Phase-In Schedule Ratio	8.63%
Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Ratio	6.63%
Common equity Tier 1 (Core) Capital to risk weighted assets, Phase-In Schedule Ratio	5.13%
Tier 1 (Core) Capital to adjusted total assets, Phase-In Schedule Ratio	4.00%
Total Capital to risk weighted assets, Fully Phased-In Amount	$ 32,243
Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	26,101
Common equity Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Amount	21,495
Tier 1 (Core) Capital to adjusted total assets, Fully Phased-In Amount	$ 14,009
Total Capital to risk weighted assets, Fully Phased-In Ratio	10.50%
Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Ratio	8.50%
Common equity Tier 1 (Core) Capital to risk weighted assets, Fully Phased-In Ratio	7.00%
Tier 1 (Core) Capital to adjusted total assets, Fully Phased-In Ratio	4.00%
Total Capital to risk weighted assets, For Capital Adequacy Purposes Amount		$ 24,310
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Amount		18,233
Comment equity Tier 1 (Core) 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
Total Capital to risk weighted assets, For Capital Adequacy Purposes Ratio		8.00%
Tier 1 (Core) Capital to risk weighted assets, For Capital Adequacy Purposes Ratio		6.00%
Common equityTier 1 (Core) 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%
Capital Required to be Well Capitalized	$ 30,707	$ 30,388
Tier One Risk Based Capital Required to be Well Capitalized	24,566	24,310
Common equity Tier One Risk Based Capital Required to be Well Capitalized	19,960	19,752
Tier One Leverage Capital Required to be Well Capitalized	$ 17,512	$ 16,946
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%	8.00%
Common equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
CF Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
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%

Derivative Instruments (Narrati

Derivative Instruments (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Derivative [Line Items]
Notional amount	$ 2,849,000		$ 2,877,000
Derivative assets	245,000		213,000
Collateral Already Posted, Aggregate Fair Value	743,000
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	2,849,000		2,877,000
Net gains (losses) recognized in earnings	0	$ 0
Interest Rate Lock Commitments [Member]
Derivative [Line Items]
Notional amount	1,977,000		1,560,000
Derivative assets	$ 6,000		$ 8,000

Derivative Instruments (Summary

Derivative Instruments (Summary Of Derivative Instruments) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Derivative Instruments [Abstract]
Notional amount	$ 2,849	$ 2,877
Weighted average pay rate on interest-rate swaps	3.67%	3.67%
Weighted average receive rate on interest-rate swaps	0.47%	0.39%
Weighted average maturity (years)	3 years 8 months 12 days	4 years
Fair value of interest-rate swaps	$ (245)	$ (213)
Derivative assets	$ 245	$ 213

Income Taxes (Details)

Income Taxes (Details)	3 Months Ended			12 Months Ended
	Mar. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2012USD ($)
Income Taxes [Abstract]
Consecutive number of quarters	7
Income tax expense	$ 150,000	$ 3,200,000
Proceeds from sale of common stock					$ 22,500,000
Net operating loss carry forwards		25,166,000		$ 25,166,000
Alternative minimum tax credit carryforwards		105,000		105,000
Carryforwards utilize limit before the stock offering closed				163,000
Unutilized operating loss carryforwards that will expire		20,520,000		20,520,000
Reduced deferred tax assets and valuation allowance		6,977,000		6,977,000
Effective income tax rate	34.00%
Additional bad debt deductions provided by Federal income tax laws				2,250,000
Deferred tax liability not recorded		765,000		765,000
Deferred tax asset		3,300,000		3,300,000
Unrecognized Tax Benefits	$ 0	$ 0		$ 0

Accumulated Other Comprehensi66

Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), beginning of period		$ (9)
Less amount reclassified from accumulated other comprehensive loss			$ 12
Net current-period other comprehensive income (loss)		69	46
Accumulated other comprehensive income (loss), end of period		60
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]	(9)	51
Other comprehensive gain before reclassifications	[1]	69	34
Less amount reclassified from accumulated other comprehensive loss	[1],[2]		12
Net current-period other comprehensive income (loss)	[1]	69	46
Accumulated other comprehensive income (loss), end of period	[1]	$ 60	$ 97
[1]	All amounts are net of tax. Amounts in parentheses indicate a reduction of other comprehensive income.
[2]	There were no amounts reclassified out of other comprehensive income for the three months ended March 31, 2016. There was $12 reclassified out of other comprehensive income for the three months ended March 31, 2015 due to an early redemption on a municipal security.

Preferred Stock (Details)

Preferred Stock (Details) - USD ($) $ / shares in Units, $ in Thousands	Jul. 15, 2014	May. 12, 2014	Apr. 30, 2014	Jul. 15, 2014	Mar. 31, 2016	Dec. 31, 2015
Schedule of Capitalization, Equity [Line Items]
Aggregate value					$ 5	$ 5
Non-Cumulative Convertible Perpetual Preferred Stock Series B [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred stock rate			6.25%
Price per share			$ 25
Series B Preferred Stock [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred Stock Shares Issued					480,000	480,000
Series B Preferred Stock [Member] | Private Placement [Member]
Schedule of Capitalization, Equity [Line Items]
Preferred Stock Shares Issued	480,000	480,000		480,000	480,000
Aggregate value	$ 12,000	$ 12,000		$ 12,000
Expenses for issuance of stock	482	482
Other offering expenses	$ 149	$ 149
Proceeds from Issuance of Private Placement				$ 11,369

Common Stock Warrants (Details)

Common Stock Warrants (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Jul. 15, 2014	May. 12, 2014
Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Preferred stock, share issued	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] | Series B Preferred Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	2
Warrant, value	$ 700
Warrant, shares	28,000
Preferred stock, share issued	480,000		480,000	480,000
Private Placement [Member] | Common Stock [Member]
Class of Warrant or Right [Line Items]
Warrants issued	3.25
Warrant, value	$ 700
Warrant, shares	28,000

Subsequent Event (Details)

Subsequent Event (Details)	May. 10, 2016
Subsequent Event [Member]
Common stock repurchase, percent	3.00%