First Federal of Northern Michigan Bancorp (FFNM) 10-Q 13 May 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2015	13-May-15
Document And Entity Information
Entity Registrant Name	First Federal of Northern Michigan Bancorp, Inc.
Entity Central Index Key	1128227
Document Type	10-Q
Document Period End Date	31-Mar-15
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		3,727,014
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2015

Consolidated_Balance_Sheet_Una

Consolidated Balance Sheet (Unaudited) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Cash and cash equivalents:
Cash on hand and due from banks	$19,205	$11,205
Overnight deposits with FHLB	307	267
Total cash and cash equivalents	19,512	11,472
Deposits Held in other financial institutions	8,429	8,429
Securities available for sale	126,305	119,968
Securities held to maturity	790	790
Loans held for sale	413	88
Loans receivable, net of allowance for loan losses of $1,444 and $1,429 as of March 31, 2015 and December 31, 2014, respectively	162,130	163,647
Foreclosed real estate and other repossessed assets	3,087	2,823
Federal Home Loan Bank stock, at cost	2,591	2,591
Premises and equipment	6,294	6,336
Assets held for sale	271	478
Accrued interest receivable	1,090	986
Intangible assets	1,226	1,286
Deferred tax asset	658	851
Originated mortgage servicing rights	671	710
Bank owned life insurance	4,759	4,727
Other assets	706	685
Total assets	338,932	325,867
Liabilities:
Deposits	285,472	270,734
Advances from borrowers for taxes and insurance	406	203
Advances from Federal Home Loan Bank	20,827	22,885
Accrued expenses and other liabilities	1,065	1,509
Total liabilities	307,770	295,331
Stockholders' Equity
Common stock ($0.01 par value 20,000,000 shares authorized 4,034,764 shares issued)	40	40
Additional paid-in capital	28,264	28,264
Retained earnings	5,046	4,765
Treasury stock at cost (307,750 shares)	-2,964	-2,964
Accumulated other comprehensive income (loss)	776	431
Total stockholders' equity	31,162	30,536
Total liabilities and stockholders' equity	$338,932	$325,867

Consolidated_Balance_Sheet_Par

Consolidated Balance Sheet (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, except Share data, unless otherwise specified
Statement of Financial Position [Abstract]
Allowance for loan losses	$1,444	$1,429
Common stock, par value per share	$0.01	$0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	4,034,764	4,034,764
Treasury stock, shares	307,750	307,750

Consolidated_Statement_of_Inco

Consolidated Statement of Income and Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Interest and fees on loans	$2,004	$1,710
Interest and dividends on investments
Taxable	294	151
Tax-exempt	31	42
Interest on mortgage-backed securities	288	142
Total interest income	2,617	2,045
Interest expense:
Interest on deposits	235	186
Interest on borrowings	66	63
Total interest expense	301	249
Net interest income	2,316	1,796
Provision for loan losses	23	16
Net interest income after provision for loan losses	2,293	1,780
Non-interest income:
Service charges and other fees	218	181
Mortgage banking activities	101	96
Net income (loss) on sale of premises and equipment, real estate owned and other repossessed assets	91	-5
Other	84	64
Total non-interest income	494	336
Non-interest expense:
Compensation and employee benefits	1,419	1,109
FDIC Insurance Premiums	64	46
Advertising	44	28
Occupancy	280	236
Amortization of intangible assets	61	30
Service bureau charges	103	62
Professional services	110	129
Collection activity	63	18
Real estate owned & other repossessed assets	18	17
Other	269	220
Total non-interest expense	2,431	1,895
Income before income tax expense	356	221
Income tax expense
Net income	356	221
Other Comprehensive Income (Loss):
Unrealized (loss) gain on investment securities - available for sale securities - net of tax	345	273
Reclassification adjustment for gains realized in earnings - net of tax
Comprehensive Income (Loss)	$701	$494
Net income per share
Basic (in dollars per share)	$0.10	$0.08
Diluted (in dollars per share)	$0.10	$0.08
Weighted average number of shares outstanding
Basic (in shares)	3,727	2,884
Including dilutive stock options	3,727	2,884
Dividends per common share (in dollars per share)	$0.02	$0.02

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (USD $)	Common Stock [Member]	Treasury Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings / Accumulated Deficit [Member]	Accumulated Other Comprehensive Income [Member]	Total
In Thousands, unless otherwise specified
Beginning Balance at Dec. 31, 2014	$40	($2,964)	$28,264	$4,765	$431	$30,536
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				356		356
Change in unrealized gain on available-for-sale securities (net of tax of $177)					345	345
Dividends declared				-75		-75
Ending Balance at Mar. 31, 2015	$40	($2,964)	$28,264	$5,046	$776	$31,162

Consolidated_Statement_of_Chan1

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
Statement of Stockholders' Equity [Abstract]
Tax on change in unrealized gain on available-for-sale securities	$177

Consolidated_Statement_of_Cash

Consolidated Statement of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Cash Flows from Operating Activities:
Net income	$356	$221
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	155	102
Provision for loan loss	23	16
Accretion of acquired loans	-5
Amortization and accretion on securities	227	98
Gain on sale of loans held for sale	-62	-42
Gain on sale of property and equipment and asset held for sale	-81	-2
(Gain) Loss on sale of real estate owned and other repossessed assets	-10	7
Originations of loans held for sale	-3,497	-2,524
Proceeds from sale of loans held for sale	3,234	2,506
Net change in:
Accrued interest receivable	-104	-83
Other assets	33	-17
Bank owned life insurance	-32	-29
Accrued expenses and other liabilities	-444	-107
Net cash (used in) provided by operating activities	-207	145
Cash Flows from Investing Activities:
Net decrease in loans	1,079	728
Proceeds from maturies and calls of available-for-sale securities	5,287	2,336
Proceeds from sale of real estate owned and other repossessed assets	165	80
Proceeds from sale of property and equipment	288	2
Purchase of securities	-11,327	-8,105
Purchase of premises and equipment	-53	-28
Net cash used in investing activities	-4,561	-4,987
Cash Flows from Financing Activities:
Dividends paid on common stock	-75	-58
Net increase in deposits	14,738	5,691
Net increase in advances from borrowers	203	170
Advances from Federal Home Loan Bank		6,980
Repayments of Federal Home Loan Bank advances	-2,058	-7,561
Net cash provided by financing activities	12,808	5,223
Net increase in cash and cash equivalents	8,040	381
Cash and cash equivalents at beginning of period	11,472	2,766
Cash and cash equivalents at end of period	19,512	3,147
Supplemental disclosure of cash flow information:
Cash refunded for taxes paid	15
Cash paid during the period for interest	302	252
Transfer of loans to real estate owned & other repossessed assets	$419	$245

BASIS_OF_FINANCIAL_STATEMENT_P

BASIS OF FINANCIAL STATEMENT PRESENTATION	3 Months Ended
	Mar. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF FINANCIAL STATEMENT PRESENTATION	Note 1—BASIS OF FINANCIAL STATEMENT PRESENTATION
	The accompanying unaudited condensed consolidated interim financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and with the instructions to Form 10-Q. Accordingly, certain information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements are not included herein. The interim financial statements should be read in conjunction with the financial statements of First Federal of Northern Michigan Bancorp, Inc. and Subsidiaries and the notes thereto included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.
	All adjustments, consisting only of normal recurring adjustments, which in the opinion of management are necessary for a fair presentation of financial position, results of operations and cash flows, have been made. The results of operations for the three months ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015.

PRINCIPLES_OF_CONSOLIDATION

PRINCIPLES OF CONSOLIDATION	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	Note 2— PRINCIPLES OF CONSOLIDATION
	The consolidated financial statements include the accounts of First Federal of Northern Michigan Bancorp, Inc., its wholly owned subsidiary First Federal of Northern Michigan (the “Bank”), and the Bank’s wholly owned subsidiaries, Financial Services & Mortgage Corporation (“FSMC”) and FFNM Financial Services, Inc. FSMC invested in real estate, which includes leasing, selling, developing, and maintaining real estate properties. As of March 31, 2015, FSMC has been dissolved since all real estate properties were sold in 2011. The main activity of FFNM Financial Services, Inc. is to collect commission from the sale of non-insured investment products in resulting from investment advisory services offered in our branch network. All significant intercompany balances and transactions have been eliminated in the consolidation.

BUSINESS_COMBINATIONS

BUSINESS COMBINATIONS	3 Months Ended
	Mar. 31, 2015
Business Combinations [Abstract]
Business Combinations	Note 3 - BUSINESS COMBINATIONS
	As of August 8, 2014 (“Merger Date”), the Company completed its merger with Alpena Banking Corporation and its wholly owned subsidiary Bank of Alpena (“Alpena”). Alpena had one branch office and $102.9 million in assets as of August 8, 2014. The results of operations due to the merger have been included in the Company’s results since the Merger Date. The merger was effected by the issuance of shares of the Company’s common stock to Alpena Banking Corporation shareholders. Each share of Alpena’s common stock was converted into the right to receive 1.549 shares of the Company’s common stock, with cash paid in lieu of fractional shares. The conversion of Alpena’s shares resulted in the issuance of 842,965 shares of the Company’s common stock.
	The merger transaction was recorded using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair values on the Merger Date. The following table provides the purchase price calculation as of the Merger Date and the identifiable assets acquired and liabilities assumed at their estimated fair values. These fair value measurements are provisional based on third-party valuations that are currently under review and are subject to refinement for up to one year after the Merger Date based on additional information that may be obtained by us that existed on the Merger Date.
	Purchase Price:
	(000’s omitted)
	First Federal of Northern Michigan Bancorp, Inc. common stock issued for Alpena Banking Corporation common shares		843
	Price per share, based on First Federal of Northern Michigan Bancorp, Inc. closing price on August 8, 2014	$	5.59
	Total purchase price	$	4,712
	Preliminary Statement of Net Assets Acquired at Fair Value:
	Assets
	Cash and cash equivalents	$	41,650
	Securities		24,008
	Loans		33,051
	Premises and Equipment		1,667
	Core Deposit Intangible		1,392
	Deferred Tax Asset		337
	Other Assets		467
	Total Assets	$	102,572
	Liabilities
	Deposits		95,787
	Other Liabilities		91
	Total Liabilities	$	95,878
	Net Identifiable Assets Acquired				$	6,694
	Bargain Purchase Gain				$	(1,982	)
	The following table provides the pro forma information for the results of operations for the three months ended March 31, 2015 and 2014, as if the merger had occurred on January 1 of each year. These adjustments reflect the impact of certain purchase accounting fair value measurements, primarily on the loan and deposit portfolios of Bank of Alpena. These pro forma results are presented for illustrative purposes only and are not intended to represent or be indicative of the actual results of operations of the combined banking organizations that would have been achieved had the merger occurred at the beginning of each period presented, nor are they intended to represent or be indicative of future results of the Company.
		For the Three Months Ended
		March 31,
		2015			2014
	Net interest income	$	2,316		$	2,375
	Non-interest income		494			442
	Non-interest expense		2,431			2,543
	Net income		356			227
	Net income per basic and diluted share		0.1			0.06
	Weighted average shares outstanding		3,727			3,727
	In most instances, determining the fair value of the acquired assets and assumed liabilities required the Company to estimate the cash flows expected to result from those assets and liabilities and to discount those cash flows at appropriate rates of interest. The most significant of those determinations related to the valuation of acquired loans. For such loans, the excess cash flows expected at merger over the estimated fair value is recognized as interest income over the remaining lives of the loans. The difference between contractually required payments at merger and the cash flows expected to be collected at merger reflects the impact of estimated credit losses and other factors, such as prepayments. In accordance with the applicable accounting guidance for business combinations, there was no carry-over of Alpena’s previously established allowance for loan losses.
	The acquired loans were divided into loans with evidence of credit quality deterioration, which are accounted for under ASC 310-30 (“acquired impaired”), and loans that do not meet the criteria, which are accounted for under ASC 310-20 (“acquired non-impaired”). In addition, the loans are further categorized into different pools based primarily on the type and purpose of the loan.
		Acquired			Acquired			Acquired
		Impaired			Non-Impaired			Total
	Real estate loans:
	Residential mortgages	$	397		$	6,992		$	7,389
	Commercial Loans:
			—			109			109
	Secured by real estate		3,070			14,721			17,791
	Other		1,201			4,213			5,414
	Total commercial loans		4,271			19,043			23,314
	Consumer loans:
	Secured by real state		30			1,568			1,598
	Other		—			750			750
	Total consumer loans		30			2,318			2,348
	Total loans at acquisition date	$	4,698		$	28,353		$	33,051
		Acquired			Acquired			Acquired
		Impaired			Non-Impaired			Total
	Loans acquired- contractual required payments	$	5,930		$	28,587		$	34,517
	Non accretable yield		(1,232	)		—			(1,232	)
	Expected cash flows		4,698			28,587			33,285
	Accretable yield		—			(234	)		(234	)
	Carrying balance at acquisition date	$	4,698		$	28,353		$	33,051

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2015
Securities
Securities	Note 4—SECURITIES
	Investment securities have been classified according to management’s intent. The carrying value and estimated fair value of securities are as follows:
		31-Mar-15
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	36,788	$	270		$	(14	)		37,044
	Municipal obligations		24,473		464			(20	)		24,917
	Corporate bonds & other obligations		1,532		8			—			1,540
	Mortgage-backed securities		62,334		567			(103	)		62,798
	Equity securities		3		3			—			6
	Total	$	125,130	$	1,312		$	(137	)	$	126,305
	Securities Held to Maturity
	Municipal obligations	$	790	$	101		$	—		$	891
		31-Dec-14
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	31,221	$	58		$	(57	)		31,222
	Municipal obligations		22,894		369			(129	)		23,134
	Corporate bonds & other obligations		1,549		12			—			1,561
	Mortgage-backed securities		63,648		515			(117	)		64,046
	Equity securities		3		2			—			5
	Total	$	119,315	$	956		$	(303	)	$	119,968
	Securities Held to Maturity
	Municipal obligations	$	790	$	118		$	—		$	908
	The amortized cost and estimated market value of securities at March 31, 2015, by contract maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities with no specified maturity date are separately stated.
		31-Mar-15
		Amortized		Market
		Cost		Value
		(in thousands)
	Available For Sale:
	Due in one year or less	$	6,213	$	6,237
	Due after one year through five years		38,741		39,055
	Due in five year through ten years		16,549		16,792
	Due after ten years		1,290		1,417
	Subtotal		62,793		63,501
	Equity securities		3		6
	Mortgage-backed securities		62,334		62,798
	Total	$	125,130	$	126,305
	Held To Maturity:
	Due in one year or less	$	45	$	45
	Due after one year through five years		200		212
	Due in five year through ten years		315		360
	Due after ten years		230		274
	Total	$	790	$	891
	At March 31, 2015 and December, 31, 2014, securities with a carrying value and fair value of $34,000,000 and $35,000,000, respectively, were pledged to secure FHLB advances and our line of credit at the Federal Reserve.
	There were no security sales in either the three months ended March 31, 2015 or 2014.
	The following is a summary of temporarily impaired investments that have been impaired for less than and more than twelve months as of March 31, 2015 and December 31, 2014:
		31-Mar-15
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair		<12			Fair			> 12
		Value		months			Value			months
		(in thousands)
	Available For Sale:
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	2,486	$	(8	)	$	994		$	(6	)
	Municipal obligations		15		—			2,204			(20	)
	Mortgage-backed securities		6,230		(24	)		4,419			(79	)
Equity securities		—		—			—			—
Total	$	8,731	$	(32	)	$	7,617		$	(105	)
Held to Maturity:
Municipal obligations	$	—	$	—		$	—		$	—
	31-Dec-14
			Gross						Gross
			Unrealized						Unrealized
			Losses						Losses
	Fair		<12			Fair			> 12
	Value		months			Value			months
	(in thousands)
Available For Sale:
U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	13,672	$	(28	)	$	971		$	(29	)
Municipal obligations		9,506		(54	)		4,039			(75	)
Mortgage-backed securities		9,923		(31	)		4,666			(86	)
Equity securities		—		—			—			—
Total	$	33,101	$	(113	)	$	9,676		$	(190	)
Held to Maturity:
Municipal obligations	$	—	$	—		$	—		$	—
The Company held 19 securities with unrealized losses totaling $137,000 and 72 securities with unrealized losses totaling $303,000 at March 31, 2015 and December 31, 2014, respectively. The unrealized losses on the securities held in the portfolio are not considered other than temporary and have not been recognized into income. This decision is based on the Company’s ability and intent to hold any potentially impaired security until maturity. The performance of the security is based on the contractual terms of the agreement, the extent of the impairment and the financial condition and credit quality of the issuer. The decline in market value is considered temporary and a result of changes in interest rates and other market variables.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2015
Loans
LOANS AND ALLOWANCE FOR LOAN LOSSES	Note 5—LOANS AND ALLOWANCE FOR LOAN LOSSES
	The following table sets forth the composition of our loan portfolio by loan type at the dates indicated.
		At March 31,			At December 31,
		2015			2014
		(in thousands)
	Real estate loans:
	Residential mortgage	$	73,314		$	71,828
	Commercial loans:
	Construction - real estate		2,111			1,443
	Secured by real estate		60,703			62,163
	Other		17,067			19,000
	Total commercial loans		79,881			82,606
	Consumer loans:
	Secured by real estate		9,241			9,502
	Other		1,390			1,403
	Total consumer loans		10,631			10,905
	Total gross loans	$	163,826		$	165,339
	Less:
	Net deferred loan fees		(252	)		(263	)
	Allowance for loan losses		(1,444	)		(1,429	)
	Total loans, net	$	162,130		$	163,647
	As of March 31, 2015 the total outstanding balance and carrying value of acquired impaired loans was $4.4 million and $3.3 million, respectively. Changes to the accretable and non-accretable yield for acquired loans as follows as of March 31, 2015:
		Acquired			Acquired
		Impaired			Non-
		Non-			Imparied				Acquired
		Accreatable			Accreatable				Total
	December 31, 2014 balance	$	(1,232	)	$	(208	)		$	(1,440	)
	Net discount associated with acquired loans		—			—				—
	Accretion of discount for credit spread		—			5				5
	Loans paid off through March 31, 2015		—			—				—
	Loans charged off through March 31, 2015		81			—				81
	Total	$	(1,151	)	$	(203	)		$	(1,354	)
	The following table illustrates the contractual aging of the recorded investment in past due loans by class of loans as of March 31, 2015 and December 31, 2014:
	As of March 31, 2015
																					Recorded
									Greater than												Investment > 90
	Originated Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	2,111		$	2,111		$	—
	Commercial Real Estate - other		760			—				9			769			44,499			45,268			—
	Commercial - non real estate		400			—				15			415			12,613			13,028			15
	Consumer:
	Consumer - Real Estate		—			17				24			41			7,562			7,603			17
	Consumer - Other		9			—				8			17			1,180			1,197			8
	Residential:
	Residential		1,450			—				298			1,748			65,329			67,077			101
	Total	$	2,619		$	17			$	354		$	2,990		$	133,294		$	136,284		$	141
	As of March 31, 2015
																					Recorded
									Greater than												Investment > 90
	Acquired Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	—		$	—		$	—
	Commercial Real Estate - other		317			110				111			538			14,897			15,436			—
	Commercial - non real estate		88			—				105			193			3,846			4,039			—
	Consumer:
	Consumer - Real Estate		5			—				—			5			1,633			1,638			—
	Consumer - Other		13			—				—			13			180			193			—
																—
	Residential:
Residential		228			—				285			513			5,724			6,237			—
Total	$	651		$	110			$	501		$	1,262		$	26,280		$	27,543		$	—
As of December 31, 2014
																				Recorded
								Greater than												Investment > 90
Originated Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
	Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
	(dollars in thousands)
Commercial Real Estate:
Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	1,443		$	1,443		$	—
Commercial Real Estate - other		10			195				—			205			46,103			46,308			—
Commercial - non real estate		—			—				—			—			14,544			14,544			—
Consumer:
Consumer - Real Estate		107			4				7			118			7,684			7,802			—
Consumer - Other		3			—				3			6			1,152			1,158			3
Residential:
Residential		1,484			746				386			2,616			62,326			64,942			87
Total	$	1,604		$	945			$	396		$	2,945		$	133,252		$	136,197		$	90
As of December 31, 2014
																				Recorded
								Greater than												Investment > 90
Acquired Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
	Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
	(dollars in thousands)
Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	—		$	—		$	—
Commercial Real Estate - other		125			128				93			346			15,604			15,950			—
Commercial - non real estate		—			40				104			144			4,217			4,361			—
Consumer:
Consumer - Real Estate		123			—				—			123			1,609			1,732			—
Consumer - Other		—			—				—			—			213			213			—
Residential:
Residential		147			56				461			664			6,222			6,886			225
Total	$	395		$	224			$	658		$	1,277		$	27,865		$	29,142		$	225
The Bank uses an eight tier risk rating system to grade its commercial loans. The grade of a loan may change during the life of the loans. The risk ratings are described as follows:
Risk Grade 1 (Excellent) - Prime loans based on liquid collateral, with adequate margin or supported by strong financial statements. Probability of serious financial deterioration is unlikely. High liquidity, minimum risk, strong ratios, and low handling costs are common to these loans. This classification also includes all loans secured by certificates of deposit or cash equivalents.
Risk Grade 2 (Good) - Desirable loans of somewhat less stature than Grade 1, but with strong financial statements. Probability of serious financial deterioration is unlikely. These loans possess a sound repayment source (and/or a secondary source). These loans represent less than the normal degree of risk associated with the type of financing contemplated.
Risk Grade 3 (Satisfactory) - Satisfactory loans of average risk – may have some minor deficiency or vulnerability to changing economic conditions, but still fully collectible. There may be some minor weakness but with offsetting features or other support readily available. These loans present a normal degree of risk associated with the type of financing. Actual and projected indicators and market conditions provide satisfactory assurance that the credit shall perform in accordance with agreed terms.
Risk Grade 4 (Acceptable) - Loans considered satisfactory, but which are of slightly “below average” credit risk due to financial weaknesses or uncertainty. The loans warrant a somewhat higher than average level of monitoring to insure that weaknesses do not advance. The level of risk is considered acceptable and within normal underwriting guidelines, so long as the loan is given the proper level of management supervision.
Risk Grade 4.5 (Monitored) - Loans are considered “below average” and monitored more closely due to some credit deficiency that poses additional risk but is not considered adverse to the point of being a “classified” credit. Possible reasons for additional monitoring may include characteristics such as temporary negative debt service coverage due to weak economic conditions; borrower may have experienced recent losses from operations, declining equity and/or increasing leverage, or marginal liquidity that may affect long-term sustainability. Loans of this grade have a higher degree of risk and warrant close monitoring to insure against further deterioration.
Risk Grade 5 (Other Assets Especially Mentioned) (OAEM) - Loans which possess some credit deficiency or potential weakness, which deserve close attention, but which do not yet warrant substandard classification. Such loans pose unwarranted financial risk that, if not corrected, could weaken the loan and increase risk in the future.
Risk Grade 6 (Substandard) - Loans are “substandard” whose full, final collectability does not appear to be a matter of serious doubt, but which nevertheless portray some form of well defined weakness that requires close supervision by Bank management. The noted weaknesses involve more than normal banking risk. One or more of the following characteristics may be exhibited in loans classified Substandard: (1) Loans possess a defined credit weakness and the likelihood that the loan shall be paid from the primary source of repayment is uncertain; (2) Loans are not adequately protected by the current net worth and/or paying capacity of the obligor; (3) primary source of repayment is gone, and the Bank is forced to rely on a secondary source of repayment such as collateral liquidation or guarantees; (4) distinct possibility that the Bank shall sustain some loss if deficiencies are not corrected; (5) unusual courses of action are needed to maintain a high probability of repayment; (6) the borrower is not generating enough cash flow to repay loan principal, however, continues to make interest payments; (7) the Bank is forced into a subordinated or unsecured position due to flaws in documentation; (8) loans have been restructured so that payment schedules, terms, and collateral represent concessions to the borrower when compared to normal loan terms; (9) the Bank is contemplating foreclosure or legal action due to the apparent deterioration in the loan; or (10) there is a significant deterioration in the market conditions and the borrower is highly vulnerable to these conditions.
Grade 7 (Doubtful) - Loans have all the weaknesses of those classified Substandard. Additionally, however, these weaknesses make collection or liquidation in full, based on existing conditions, improbable. Loans in this category are typically not performing in conformance with established terms and conditions. Full repayment is considered “Doubtful”, but extent of loss is not currently determinable.
Risk Grade 8 (Loss) - Loans are considered uncollectible and of such little value, that continuing to carry them as an asset on the Bank’s financial statements is not feasible.
The following table presents the risk category of loans by class of loans based on the most recent analysis performed and the contractual aging as of March 31, 2015 and December 31, 2014:
As of March 31, 2015
Originated Loans:
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other				Commercial
2-Jan	$	—		$	—			$	29
3		—			14,912				5,296
4		2,111			19,574				5,208
4.5		—			3,513				1,769
5		—			5,506				288
6		—			1,763				438
7		—			—				—
8		—			—				—
Total	$	2,111		$	45,268			$	13,028
Acquired Loans:
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other				Commercial
2-Jan	$	—		$	266			$	1,130
3		—			2,579				805
4		—			10,644				900
4.5					330				18
5		—			1,008				1,034
6		—			608				152
7		—			0				0
8		—			0				0
Total	$	—		$	15,435			$	4,039
As of December 31, 2014
Originated Loans:
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other				Commercial
2-Jan	$	—		$	—			$	31
3		—			13,565				6,088
4		1,443			21,757				7,538
4.5		—			3,553				252
5		—			6,040				635
6		—			1,393				—
7		—			—				—
8		—			—				—
Total	$	1,443		$	46,308			$	14,544
Acquired Loans:
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other				Commercial
2-Jan	$	—		$	280			$	1,188
3		—			2,696				876
4		—			10,905				970
4.5					337				21
5		—			1,176				1,150
6		—			547				156
7		—			9				0
8		—			—				0
Total	$	—		$	15,950			$	4,361
For residential real estate and other consumer credit the Company evaluates credit quality based on the aging status of the loan and by payment activity. Loans 60 or more days past due are monitored by the collection committee.
The following tables present the risk category of loans by class based on the most recent analysis performed as of March 31, 2015 and December 31, 2014.
As of March 31, 2015
				Consumer -
	Residential			Real Estate			Consumer - Other
Originated Loans:
Loan Grade:
Pass	$	66,566		$	7,545			$	1,197
Special Mention		—			—				—
Substandard		511			58				—
Total	$	67,077		$	7,603			$	1,197
				Consumer -
	Residential			Real Estate			Consumer - Other
Acquired Loans:
Loan Grade:
Pass	$	5,944		$	1,628			$	162
Special Mention		—			—				—
Substandard		293			10				31
Total	$	6,237		$	1,638			$	193
As of December 31, 2014
				Consumer -
	Residential			Real Estate			Consumer - Other
Originated Loans:
Loan Grade:
Pass	$	64,397		$	7,778			$	1,155
Special Mention		—			—				—
Substandard		545			24				3
Total	$	64,942		$	7,802			$	1,158
				Consumer -
	Residential			Real Estate			Consumer - Other
Acquired Loans:
Loan Grade:
Pass	$	6,335		$	1,731			$	213
Special Mention		—			—				—
Substandard		551			1				—
Total	$	6,886		$	1,732			$	213
The following table presents the recorded investment in non-accrual loans by class as of March 31, 2015 and December 31, 2014:
	As of
	31-Mar-15			31-Dec-14
	(in thousands)
Commercial Real Estate:
Commercial Real Estate - construction	$	—		$	—
Commercial Real Estate - other		461			486
Commercial		74			77
Consumer:
Consumer - real estate		51			25
Consumer - other		—			—
Residential:
Residential		695			750
Total	$	1,281		$	1,338
The key features of the Company’s loan modifications are determined on a loan-by-loan basis. Generally, our restructurings have related to interest rate reductions and loan term extensions. In the past the Company has granted reductions in interest rates, payment extensions and short-term payment forbearances as a means to maximize collectability of troubled credits. The Company has not forgiven principal to date, although this would be considered if necessary to ensure the long-term collectability of the loan. The Company’s loan modifications are typically short-term in nature, although the Company would consider a long-term modification to ensure the long-term collectability of the credit. In general, a borrower must make at least six consecutive timely payments before the Company would consider a return of a restructured loan to accruing status in accordance with Federal Deposit Insurance Corporation guidelines regarding restoration of credits to accrual status.
The Bank has classified approximately $3.4 million of its impaired loans as troubled debt restructurings as of March 31, 2015.
											Troubled Debt Restructurings that Subsequently
	Troubled Debt Restructurings										Defaulted
	For the three months ended March 31, 2015										For the three months ended March 31, 2015
				Pre-modification				Post-modification
	Number of			outstanding recorded				outstanding recorded
	Loans			investment				investment			Number of Loans			Recorded Investment
				(dollars in thousands)										(dollars in thousands)
Troubled Debt Restructurings
Commercial Real Estate - Construction		—		$	—			$	—			—		$	—
Commercial Real Estate - Other		—			—				—			—			—
Commercial - non real estate		—			—				—			—			—
Residential		1			110				110			—			—
Total		1		$	110			$	110			—		$	—
											Troubled Debt Restructurings that Subsequently
	Troubled Debt Restructurings										Defaulted
	For the three months ended March 31, 2014										For the three months ended March 31, 2014
				Pre-modification				Post-modification
	Number of			outstanding recorded				outstanding recorded
	Loans			investment				investment			Number of Loans			Recorded Investment
				(dollars in thousands)										(dollars in thousands)
Commerical Real Estate - Construction		—		$	—			$	—			—		$	—
Commercial Real Estate - Other		—			—				—			—			—
Consumer - Other		—			—				—			—			—
Residential		—			—				—			—			—
Total		—		$	—			$	—			—		$	—
For the majority of the Bank’s impaired loans, the Bank will apply the observable market price of collateral. However, the Bank may also utilize a measurement incorporating the present value of expected future cash flows discounted at the loan’s effective rate of interest. To determine observable market price, collateral asset values securing an impaired loan are periodically evaluated. Maximum time of re-evaluation is every 12 months. In this process, third party evaluations are obtained and heavily relied upon. Until such time that updated evaluations are received, the Bank may discount the collateral value used.
The Bank uses the following guidelines as stated in policy to determine when to realize a charge-off, whether a partial or full loan balance. A charge down in whole or in part is realized when unsecured consumer loans, credit card credits and overdraft lines of credit reach 90 days delinquency. At 120 days delinquent, secured consumer loans are charged down to the value of collateral, if repossession of the collateral is assured and/or in the process of repossession. Consumer mortgage loan deficiencies are charged down upon the sale of the collateral or sooner upon the recognition of collateral deficiency. Commercial credits are charged down at 90 days delinquency, unless an established and approved work-out plan is in place or litigation of the credit will likely result in recovery of the loan balance. Upon notification of bankruptcy, unsecured debt is charged off. Additional charge-off may be realized as further unsecured positions are recognized.
The following table presents the loans individually evaluated for impairment by class of loans as of March 31, 2015 and December 31, 2014:
As of March 31, 2015											2015
	Unpaid Principal			Recorded				Related			Average			Interest
	Balance			Investment				Allowance			Recorded			Income
											Investment			Recognized
	(dollars in thousands)										(dollars in thousands)
With no related allowance recorded:
Commercial	$	15		$	15			$	—		$	15		$	—
Commercial Real Estate - Construction		—			—				—			—			—
Commercial Real Estate - Other		848			847				—			849			12
Consumer - Real Estate		43			40				—			41			—
Consumer - Other		—			—				—			—			—
Residential		639			554				—			492			3
With a specific allowance recorded:
Commercial		—			—				—			—			—
Commercial Real Estate - Construction		—			—				—			—			—
Commercial Real Estate - Other		955			955				12			959			12
Consumer - Real Estate		19			19				19			19			—
Consumer - Other		—			—				—			—			—
Residential		142			140				27			142			—
Totals:
Commercial	$	15		$	15			$	—		$	15		$	—
Commercial Real Estate - Construction	$	—		$	—			$	—		$	—		$	—
Commercial Real Estate - Other	$	1,803		$	1,802			$	12		$	1,808		$	24
Consumer - Real Estate	$	62		$	59			$	19		$	60		$	—
Consumer - Other	$	—		$	—			$	—		$	—		$	—
Residential	$	781		$	694			$	27		$	634		$	3
											For the Three Months Ended
Impaired Loans											March 31,
As of December 31, 2014											2014
	Unpaid Principal			Recorded				Related			Average			Interest
	Balance			Investment				Allowance			Recorded			Income
											Investment			Recognized
	(dollars in thousands)
With no related allowance recorded:
Commercial	$	—		$	—			$	—		$	—		$	—
Commercial Real Estate - Construction		—			—				—			—			—
Commercial Real Estate - Other		1,431			1,430				—			1,595			21
Consumer - Real Estate		26			24				—			6			—
Consumer - Other		—			—				—			—			—
Residential		781			618				—			382			1
With a specific allowance recorded:
Commercial		—			—				—			—			—
Commercial Real Estate - Construction		—			—				—			173			—
Commercial Real Estate - Other		386			386				10			1,840			4
Consumer - Real Estate		—			—				—			—			—
Consumer - Other		—			—				—			—			—
Residential		—			—				—			30			—
Totals:
Commercial	$	—		$	—			$	—		$	—		$	—
Commercial Real Estate - Construction	$	—		$	—			$	—		$	173		$	—
Commercial Real Estate - Other	$	1,817		$	1,816			$	10		$	3,435		$	25
Consumer - Real Estate	$	26		$	24			$	—		$	6		$	—
Consumer - Other	$	—		$	—			$	—		$	—		$	—
Residential	$	781		$	618			$	—		$	412		$	1
The Allowance for Loan and Lease Losses has a direct impact on the provision expense. An increase in the ALLL is funded through recoveries and provision expense.
Activity in the allowance for loan and lease losses was as follows for the quarters ended March 31, 2015 and 2014, respectively:
For the Three Months Ended March 31, 2015
	Commercial			Commercial							Consumer
	Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
											(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	8		$	307			$	94		$	33		$	19		$	869		$	99		$	1,429
Charge-offs		—			(3	)			—			—			(5	)		(36	)		—			(44	)
Recoveries		12			4				2			4			—			14			—			36
Provision		(5	)		62				9			11			7			(34	)		(27	)		23
Ending Balance	$	15		$	370			$	105		$	48		$	21		$	813		$	72		$	1,444
For the Three Months Ended March 31, 2014
	Commercial			Commercial							Consumer
	Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
											(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	48		$	444			$	63		$	62		$	21		$	784		$	50		$	1,472
Charge-offs		—			(16	)			—			(11	)		(6	)		(35	)		—			(68	)
Recoveries		—			19				—			9			—			10			—			38
Provision		—			(55	)			(2	)		(11	)		1			33			50			16
Ending Balance	$	48		$	392			$	61		$	49		$	16		$	792		$	100		$	1,458
Loan Balances Individually Evaluated for Impairment
As of March 31, 2015
	Commercial			Commercial							Consumer
	Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
											(dollars in thousands)
Ending allowance balance: individually evaluated for impairment	$	—		$	12			$	—		$	19		$	—		$	27		$	—		$	58
Ending allowance balance: individually evaluated for impairment	$	15		$	358			$	105		$	29		$	21		$	786		$	72		$	1,386
Loans:
Ending Balance	$	2,111		$	60,703			$	17,067		$	9,241		$	1,390		$	73,314		$	—		$	163,826
Ending balance: individually evaluated for impairment	$	—		$	1,802			$	15		$	59		$	—		$	694		$	—		$	2,570
Ending balance: loans collectively evaluated for impairment	$	2,111		$	43,466			$	13,013		$	7,544		$	1,197		$	66,383		$	—		$	133,714
Acquired loans with deteriorated credit quality not subject to loan loss reserve	$	—		$	1,988			$	866		$	9		$	—		$	422		$	—		$	3,285
Other acquired loans not subject to loan loss reserve	$	—		$	13,447			$	3,173		$	1,629		$	193		$	5,815		$	—		$	24,257
Loan Balances Individually Evaluated for Impairment
As of March 31, 2014
	Commercial			Commercial							Consumer
	Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
											(dollars in thousands)
Ending allowance balance: individually evaluated for impairment	$	48		$	137			$	—		$	—		$	—		$	5		$	—		$	190
Ending allowance balance: individually evaluated for impairment	$	—		$	255			$	61		$	49		$	16		$	787		$	100		$	1,268
Loans:
Ending Balance	$	173		$	51,382			$	12,252		$	8,490		$	1,171		$	63,576		$	—		$	137,044
Ending balance: individually evaluated for impairment	$	173		$	3,315			$	—		$	6		$	—		$	405		$	—		$	3,899
Ending balance: loans collectively evaluated for impairment	$	—		$	48,067			$	12,252		$	8,484		$	1,171		$	63,171		$	—		$	133,145

DIVIDENDS

DIVIDENDS	3 Months Ended
	Mar. 31, 2015
Stockholders' Equity Note [Abstract]
DIVIDENDS	Note 6—DIVIDENDS
	We are dependent primarily upon the Bank for our earnings and funds to pay dividends on our common stock. The payment of dividends also is subject to legal and regulatory restrictions. Any payment of dividends in the future will depend, in large part, on the Bank’s earnings, capital requirements, financial condition and other factors considered by our Board of Directors.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	3 Months Ended
	Mar. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK-BASED COMPENSATION	Note 7—STOCK-BASED COMPENSATION
	Effective January 1, 2006, the Company adopted ASC 718-10, “Shareholder Based Payments”, which requires that the grant-date fair value of awarded stock options be expensed over the requisite service period. The Company’s 1996 Stock Option Plan (the “1996 Plan”), which was approved by shareholders, permits the grant of share options to its employees for up to 127,491 shares of common stock (retroactively adjusted for the exchange ratio applied in the Company’s 2005 stock offering and related second-step conversion). The Company’s 2006 Stock-Based Incentive Plan (the “2006 Plan”), which was approved by shareholders on May 17, 2006, permits the award of up to 242,740 shares of common stock of which the maximum number to be granted as Stock Options is 173,386 and the maximum that can be granted as Restricted Stock Awards is 69,354. Option awards are granted with an exercise price equal to the market price of the Company’s stock at the date of grant. Those option awards generally vest based on five years of continual service and have ten year contractual terms. Certain options provide for accelerated vesting if there is a change in control (as defined in the Plans).
	During the three months ended March 31, 2015 no shares were awarded under either the 1996 Plan or the 2006 Plan. Shares issued under the plans and exercised pursuant to the exercise of the stock options awarded under the plans may be either authorized but unissued shares or reacquired shares held by the Company as treasury stock.
	Stock Options - A summary of option activity under the Plans during the three months ended March 31, 2015 is presented below:
							Weighted-Average
					Weighted-		Remaining
					Average		Contractual Term		Aggregate
	Options	Shares			Exercise Price		(Years)		Intrinsic Value
	Outstanding at January 1, 2015		136,030		$	9.54		1.4	$	0
	Granted		0			N/A
	Exercised		0			N/A
	Forfeited or expired		(250	)	$	9.65
	Oustanding at March 31, 2015		135,780		$	9.54		1.1	$	0
	Options Exercisable at March 31, 2015		135,780		$	9.54		1.1	$	0
	The aggregate intrinsic value of outstanding options shown in the table above represents the total pretax intrinsic value (i.e. the difference between the Company’s closing stock price of $5.95 on March 31, 2015 and the exercise price times the number of shares) that would have been received by the option holder had all option holders exercised their options on March 31, 2015. The amount changes based on the fair market value of the stock.
	As of March 31, 2015 the Company had no unrecognized compensation cost related to nonvested options under the Plan. There were no shares which vested during the quarter ended March 31, 2015. In addition, there were no non-vested options as of March 31, 2015.
	Restricted Stock Awards - As of March 31, 2015 all restricted stock awards have vested; therefore the Company had no unrecognized compensation cost under the Plans.

COMMITMENTS_TO_EXTEND_CREDIT

COMMITMENTS TO EXTEND CREDIT	3 Months Ended
	Mar. 31, 2015
Off Balance Sheet Risk Commitments And Contingencies
COMMITMENTS TO EXTEND CREDIT	Note 8— COMMITMENTS TO EXTEND CREDIT
	The Company is a party to credit-related financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, stand by letters of credit, and commercial lines of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the consolidated balance sheet. The Company’s exposure to credit loss is represented by the contracted amount of these commitments. The Company follows the same credit policies in making commitments as it does for on-balance sheet instruments.
	At March 31, 2015, the Company had outstanding commitments to originate loans of $22.2 million. These commitments included the following:
		As of
		31-Mar-15
		(in thousands)
	Commitments to grant loans	$	7,586
	Unfunded commitments under lines of credit		14,493
	Commercial and standby letters of credit		134

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements
FAIR VALUE MEASUREMENTS	Note 9— FAIR VALUE MEASUREMENTS
	The fair value of financial assets and liabilities recorded at fair value is categorized in three levels. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. These levels are as follows:
	Level 1 — Valuations based on quoted prices in active markets, such as the New York Stock Exchange. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.
	Level 2 — Valuations of assets and liabilities traded in less active dealer or broker markets. Valuations include quoted prices for similar assets and liabilities traded in the same market; quoted prices for identical or similar instruments in markets that are not active; and model-derived valuations whose inputs are observable or whose significant value drivers are observable. Valuations may be obtained from, or corroborated by, third-party pricing services.
	Level 3 — Assets and liabilities with valuations that include methodologies and assumptions that may not be readily observable, including option pricing models, discounted cash flow models, yield curves and similar techniques. Level 3 valuations incorporate certain assumptions and projections in determining the fair value assigned to such assets or liabilities, but in all cases are corroborated by external data, which may include third-party pricing services.
	The following table presents information about the Company’s assets and liabilities measured at fair value on a recurring basis as of March 31, 2015 and December 31, 2014, and the valuation techniques used by the Company to determine those fair values.
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at March 31, 2015
		Quoted		Significant		Significant Unobservable Inputs		Fair Value as
		Prices in		Other		(Level 3)		of
		Active		Observable				March 31,
		Markets for Identical		Inputs				2015
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities- available-for-sale:
	US Treasury securities and obligations of U.S. government corporations and agencies	$	1,285	$	35,759	$	—	$	37,044
	Municipal obligations		—		22,664		2,253		24,917
	Corporate bonds & other obligations		—		1,540		—		1,540
	Mortgage-backed securities		—		62,798		—		62,798
	Equity securities		—		6		—		6
	Total investment securities - available-for-sale	$	1,285	$	122,767	$	2,253	$	126,305
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at December 31, 2014
		Quoted		Significant		Significant Unobservable Inputs		Fair Value as
		Prices in		Other		(Level 3)		of December
		Active		Observable				31, 2014
		Markets for Identical		Inputs
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities - available-for-sale:
	U.S. Treasury securities and obligations of U.S.government corporations and agencies	$	1,279	$	5,763	$	—	$	7,042
	Municipal obligations		—		11,317		2,292		13,609
	Corporate bonds & other obligations		—		1,097		—		1,097
	Mortgage-backed securities		—		28,603		—		28,603
	Equity securities		—		7		—		7
	Total investment securities - available-for-sale	$	1,279	$	46,787	$	2,292	$	50,358
	Fair value measurements of U.S. Government agencies and mortgage backed securities use pricing models that vary and may consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures.
	The Company has assets that, under certain conditions, are subject to measurement at fair value on a nonrecurring basis. At March 31, 2015 and December 31, 2014, such assets consist primarily of impaired loans and other real estate owned. The Company has estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections.
	Assets Measured at Fair Value on a Nonrecurring Basis at March 31, 2015
		Balance at		Quoted Prices in		Significant		Significant
		31-Mar-15		Active Markets		Other		Unobservable
				for Identical		Observable		Inputs
				Assets (Level 1)		Inputs		(Level 3)
						(Level 2)
		(dollars in thousands)
	Originated Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	1,801	$	—	$	—	$	1,801
	Other real estate owned -residential mortgages		591		—		—		591
	Other Real estate owned - commercial		1,636		—		—		1,636
	Other repossessed assets		860		—		—		860
	Total assets at fair value on a non-recurring basis							$	4,888
	Acquired Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	525	$	—	$	—	$	525
	Other real estate owned -residential mortgages		—		—		—		—
	Other real estate owned - commercial		—		—		—		—
	Other repossessed assets		—		—		—		—
	Total assets at fair value on a non-recurring basis							$	525
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2014
		Balance at		Quoted Prices in		Significant		Significant
		31-Dec-14		Active Markets		Other		Unobservable
				for Identical		Observable		Inputs (Level 3)
				Assets (Level 1)		Inputs (Level 2)
		(dollars in thousands)
	Originated Assets:
Impaired loans accounted for under FASB ASC 310-10	$	1,806	$	—	$	—	$	1,806
Other real estate owned -residential mortgages		336		—		—		336
Other real estate owned - commercial		1,628		—		—		1,628
Other repossessed assets		860		—		—		860
Total assets at fair value on a non-recurring basis							$	4,630
Acquired Assets:
Impaired loans accounted for under FASB ASC 310-10	$	396	$	—	$	—	$	396
Other real estate owned -residential mortgages		—		—		—		—
Other real estate owned - commercial		—		—		—		—
Other repossessed assets		—		—		—		—
Total assets at fair value on a non-recurring basis							$	396
A loan is considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts due (both principal and interest) according to the contractual terms of the original loan agreement. Loans identified as impaired are measured using one of three methods: the loan’s observable market price; the fair value of collateral; or the present value of expected future cash flows. For each period presented, no loans were measured using the loan’s observable market price. Collateral may be in the form of real estate and/or business assets such as accounts receivable, inventory or business equipment.
Real estate is the collateral for the vast majority of our secured lending. The real estate’s value is based on observable market prices and market values of collateral provided by independent, third-party licensed or certified appraisers, selected from a list of Company-approved appraisers. Appraisals for all types of collateral-dependent loans are typically requested within 30 days of a loan being deemed impaired. The fair value of impaired loans with specific allocations is essentially based on recent real estate appraisals less costs to sell. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraised collateral values may be further discounted based on management’s historical knowledge of the property and/or changes in market conditions from the time of valuation or management’s plan for disposal. Subsequent evaluations of collateral are performed on a loan by loan basis as additional facts and circumstances related to the individual credit require, but not less than annually.
The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments:
Cash and Cash Equivalents - The carrying amounts of cash and short-term instruments approximate fair values.
Investment Securities - Fair value for the Bank’s investment securities was determined using the market value in active markets, where available. When not available, fair values are estimated using the fair value hierarchy. In the fair value hierarchy, Level 2 fair values are determined using observable inputs other than Level 1 market prices, such as quoted prices for similar assets. Level 3 values are determined using unobservable inputs, such as discounted cash flow projections.
Loans Receivable - For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Fair values for certain mortgage loans (e.g., one- to four-family residential), credit card loans, and other consumer loans are based on quoted market prices of similar loans sold in conjunction with securitization transactions, adjusted for differences in loan characteristics. Fair values for other loans (e.g., commercial real estate and investment property mortgage loans, commercial, and industrial 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. Fair values for nonperforming loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable.
Loans Held For Sale - Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices.
Federal Home Loan Bank Stock - The carrying value of Federal Home Loan Bank stock approximates fair value based on the redemption provisions of the Federal Home Loan Bank.
Deposit Liabilities - The fair values disclosed for demand deposits (e.g., interest and noninterest checking, savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Federal Home Loan Bank Advances - The estimated fair value of the fixed and variable rate Federal Home Loan Bank advances are estimated by discounting the related cash flows using the rates currently available for similarly structured borrowings with similar maturities.
Accrued Interest - The carrying amounts of accrued interest approximate fair value.
The estimated fair values and related carrying or notional amounts of the Company’s financial instruments are as follows:
31-Mar-15	Carrying		Level 1		Level 2		Level 3		Total
	Value								Estimated Fair
									Value
	(in thousands)
Financial assets:
Cash and cash equivalents	$	19,512	$	19,512	$	—	$	—	$	19,512
Deposits held at other financial institutions		8,429		—		7,218		1,240		8,458
Securities available for sale		126,305		1,285		125,020		—		126,305
Securities held to maturity		790		—		891		—		891
Loans held for sale		413		—		—		427		427
Loans receivable - net		162,130		—		—		162,025		162,025
Federal Home Loan Bank stock		2,591		—		2,591		—		2,591
Accrued interest receivable		1,090		—		—		1,090		1,090
Financial liabilities:
Customer deposits		285,472		—		286,031		—		286,031
Federal Home Loan Bank advances		20,827		—		20,798		—		20,798
Accrued interest payable		100		—		—		100		100
31-Dec-14	Carrying		Level 1		Level 2		Level 3		Total
	Value								Estimated Fair
									Value
	(in thousands)
Financial assets:
Cash and cash equivalents	$	11,472	$	11,472	$	—	$	—	$	11,472
Deposits held at other financial institutions		8,429		—		8,424	$	—		8,424
Securities available for sale		119,968		—		119,968		—		119,968
Securities held to maturity		790		—		908		—		908
Loans held for sale		88		—		—		90		90
Loans receivable - net		163,647		—		—		163,690		163,690
Federal Home Loan Bank stock		2,591		—		2,591		—		2,591
Accrued interest receivable		986		—		—		986		986
Financial liabilities:
Customer deposits		270,734		—		271,200		—		271,200
Federal Home Loan Bank advances		22,885		—		22,696		—		22,696
Accrued interest payable		101		—		—		101		101

BUSINESS_COMBINATIONS_Tables

BUSINESS COMBINATIONS (Tables)	3 Months Ended
	Mar. 31, 2015
Business Combinations [Abstract]
Schedule of purchase price of acquisition
	Purchase Price:
	(000’s omitted)
	First Federal of Northern Michigan Bancorp, Inc. common stock issued for Alpena Banking Corporation common shares		843
	Price per share, based on First Federal of Northern Michigan Bancorp, Inc. closing price on August 8, 2014	$	5.59
	Total purchase price	$	4,712
	Preliminary Statement of Net Assets Acquired at Fair Value:
	Assets
	Cash and cash equivalents	$	41,650
	Securities		24,008
	Loans		33,051
	Premises and Equipment		1,667
	Core Deposit Intangible		1,392
	Deferred Tax Asset		337
	Other Assets		467
	Total Assets	$	102,572
	Liabilities
	Deposits		95,787
	Other Liabilities		91
	Total Liabilities	$	95,878
	Net Identifiable Assets Acquired				$	6,694
	Bargain Purchase Gain				$	(1,982	)
Schedule of the unaudited pro forma information for the results of operations	The following table provides the pro forma information for the results of operations for the three months ended March 31, 2015 and 2014, as if the merger had occurred on January 1 of each year. These adjustments reflect the impact of certain purchase accounting fair value measurements, primarily on the loan and deposit portfolios of Bank of Alpena. These pro forma results are presented for illustrative purposes only and are not intended to represent or be indicative of the actual results of operations of the combined banking organizations that would have been achieved had the merger occurred at the beginning of each period presented, nor are they intended to represent or be indicative of future results of the Company.
		For the Three Months Ended
		March 31,
		2015			2014
	Net interest income	$	2,316		$	2,375
	Non-interest income		494			442
	Non-interest expense		2,431			2,543
	Net income		356			227
	Net income per basic and diluted share		0.1			0.06
	Weighted average shares outstanding		3,727			3,727
Schedule of acquired loans
		Acquired			Acquired			Acquired
		Impaired			Non-Impaired			Total
	Real estate loans:
	Residential mortgages	$	397		$	6,992		$	7,389
	Commercial Loans:
			—			109			109
	Secured by real estate		3,070			14,721			17,791
	Other		1,201			4,213			5,414
	Total commercial loans		4,271			19,043			23,314
	Consumer loans:
	Secured by real state		30			1,568			1,598
	Other		—			750			750
	Total consumer loans		30			2,318			2,348
	Total loans at acquisition date	$	4,698		$	28,353		$	33,051
		Acquired			Acquired			Acquired
		Impaired			Non-Impaired			Total
	Loans acquired- contractual required payments	$	5,930		$	28,587		$	34,517
	Non accretable yield		(1,232	)		—			(1,232	)
	Expected cash flows		4,698			28,587			33,285
	Accretable yield		—			(234	)		(234	)
	Carrying balance at acquisition date	$	4,698		$	28,353		$	33,051

SECURITIES_Tables

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2015
Securities Tables
Schedule of carrying value and estimated fair value of securities	Investment securities have been classified according to management’s intent. The carrying value and estimated fair value of securities are as follows:
		31-Mar-15
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	36,788	$	270		$	(14	)		37,044
	Municipal obligations		24,473		464			(20	)		24,917
	Corporate bonds & other obligations		1,532		8			—			1,540
	Mortgage-backed securities		62,334		567			(103	)		62,798
	Equity securities		3		3			—			6
	Total	$	125,130	$	1,312		$	(137	)	$	126,305
	Securities Held to Maturity
	Municipal obligations	$	790	$	101		$	—		$	891
		31-Dec-14
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	31,221	$	58		$	(57	)		31,222
	Municipal obligations		22,894		369			(129	)		23,134
	Corporate bonds & other obligations		1,549		12			—			1,561
	Mortgage-backed securities		63,648		515			(117	)		64,046
	Equity securities		3		2			—			5
	Total	$	119,315	$	956		$	(303	)	$	119,968
	Securities Held to Maturity
	Municipal obligations	$	790	$	118		$	—		$	908
Schedule of amortized cost and market value of securities by maturity	The amortized cost and estimated market value of securities at March 31, 2015, by contract maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities with no specified maturity date are separately stated.
		31-Mar-15
		Amortized		Market
		Cost		Value
		(in thousands)
	Available For Sale:
	Due in one year or less	$	6,213	$	6,237
	Due after one year through five years		38,741		39,055
	Due in five year through ten years		16,549		16,792
	Due after ten years		1,290		1,417
	Subtotal		62,793		63,501
	Equity securities		3		6
	Mortgage-backed securities		62,334		62,798
	Total	$	125,130	$	126,305
	Held To Maturity:
	Due in one year or less	$	45	$	45
	Due after one year through five years		200		212
	Due in five year through ten years		315		360
	Due after ten years		230		274
	Total	$	790	$	891
Summary of Temporily Impaired Investments Impaired	The following is a summary of temporarily impaired investments that have been impaired for less than and more than twelve months as of March 31, 2015 and December 31, 2014:
		31-Mar-15
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair		<12			Fair			> 12
		Value		months			Value			months
		(in thousands)
	Available For Sale:
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	2,486	$	(8	)	$	994		$	(6	)
	Municipal obligations		15		—			2,204			(20	)
	Mortgage-backed securities		6,230		(24	)		4,419			(79	)
	Equity securities		—		—			—			—
	Total	$	8,731	$	(32	)	$	7,617		$	(105	)
	Held to Maturity:
	Municipal obligations	$	—	$	—		$	—		$	—
		31-Dec-14
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair		<12			Fair			> 12
		Value		months			Value			months
		(in thousands)
	Available For Sale:
	U.S. Treasury securities and obligations of U.S. government corporations and agencies	$	13,672	$	(28	)	$	971		$	(29	)
	Municipal obligations		9,506		(54	)		4,039			(75	)
	Mortgage-backed securities		9,923		(31	)		4,666			(86	)
	Equity securities		—		—			—			—
	Total	$	33,101	$	(113	)	$	9,676		$	(190	)
	Held to Maturity:
	Municipal obligations	$	—	$	—		$	—		$	—

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
Loans Tables
Schedule of composition of loans categorized by the type of loan	The following table sets forth the composition of our loan portfolio by loan type at the dates indicated.
		At March 31,			At December 31,
		2015			2014
		(in thousands)
	Real estate loans:
	Residential mortgage	$	73,314		$	71,828
	Commercial loans:
	Construction - real estate		2,111			1,443
	Secured by real estate		60,703			62,163
	Other		17,067			19,000
	Total commercial loans		79,881			82,606
	Consumer loans:
	Secured by real estate		9,241			9,502
	Other		1,390			1,403
	Total consumer loans		10,631			10,905
	Total gross loans	$	163,826		$	165,339
	Less:
	Net deferred loan fees		(252	)		(263	)
	Allowance for loan losses		(1,444	)		(1,429	)
	Total loans, net	$	162,130		$	163,647
Schedule of the change in accretable and nonaccretable yields of acquired impaired loans	Changes to the accretable and non-accretable yield for acquired loans as follows as of March 31, 2015:
		Acquired			Acquired
		Impaired			Non-
		Non-			Imparied				Acquired
		Accreatable			Accreatable				Total
	December 31, 2014 balance	$	(1,232	)	$	(208	)		$	(1,440	)
	Net discount associated with acquired loans		—			—				—
	Accretion of discount for credit spread		—			5				5
	Loans paid off through March 31, 2015		—			—				—
	Loans charged off through March 31, 2015		81			—				81
	Total	$	(1,151	)	$	(203	)		$	(1,354	)
Schedule of aging of past due loans by class	The following table illustrates the contractual aging of the recorded investment in past due loans by class of loans as of March 31, 2015 and December 31, 2014:
	As of March 31, 2015
																					Recorded
									Greater than												Investment > 90
	Originated Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	2,111		$	2,111		$	—
	Commercial Real Estate - other		760			—				9			769			44,499			45,268			—
	Commercial - non real estate		400			—				15			415			12,613			13,028			15
	Consumer:
	Consumer - Real Estate		—			17				24			41			7,562			7,603			17
	Consumer - Other		9			—				8			17			1,180			1,197			8
	Residential:
	Residential		1,450			—				298			1,748			65,329			67,077			101
	Total	$	2,619		$	17			$	354		$	2,990		$	133,294		$	136,284		$	141
	As of March 31, 2015
																					Recorded
									Greater than												Investment > 90
	Acquired Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	—		$	—		$	—
	Commercial Real Estate - other		317			110				111			538			14,897			15,436			—
	Commercial - non real estate		88			—				105			193			3,846			4,039			—
	Consumer:
	Consumer - Real Estate		5			—				—			5			1,633			1,638			—
	Consumer - Other		13			—				—			13			180			193			—
																—
	Residential:
	Residential		228			—				285			513			5,724			6,237			—
	Total	$	651		$	110			$	501		$	1,262		$	26,280		$	27,543		$	—
	As of December 31, 2014
																					Recorded
									Greater than												Investment > 90
	Originated Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	1,443		$	1,443		$	—
	Commercial Real Estate - other		10			195				—			205			46,103			46,308			—
	Commercial - non real estate		—			—				—			—			14,544			14,544			—
	Consumer:
	Consumer - Real Estate		107			4				7			118			7,684			7,802			—
	Consumer - Other		3			—				3			6			1,152			1,158			3
	Residential:
	Residential		1,484			746				386			2,616			62,326			64,942			87
	Total	$	1,604		$	945			$	396		$	2,945		$	133,252		$	136,197		$	90
	As of December 31, 2014
																					Recorded
									Greater than												Investment > 90
	Acquired Loans:	30 - 59 Days			60 - 89 Days				90 Days			Total						Total			Days and
		Past Due			Past Due				Past Due			Past Due			Current			Loans			Accruing
		(dollars in thousands)
	Commercial Real Estate - construction	$	—		$	—			$	—		$	—		$	—		$	—		$	—
	Commercial Real Estate - other		125			128				93			346			15,604			15,950			—
	Commercial - non real estate		—			40				104			144			4,217			4,361			—
	Consumer:
	Consumer - Real Estate		123			—				—			123			1,609			1,732			—
	Consumer - Other		—			—				—			—			213			213			—
	Residential:
	Residential		147			56				461			664			6,222			6,886			225
Total	$	395		$	224			$	658		$	1,277		$	27,865		$	29,142		$	225
Schedule of loans by risk category	The following table presents the risk category of loans by class of loans based on the most recent analysis performed and the contractual aging as of March 31, 2015 and December 31, 2014:
	As of March 31, 2015
	Originated Loans:
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other				Commercial
	2-Jan	$	—		$	—			$	29
	3		—			14,912				5,296
	4		2,111			19,574				5,208
	4.5		—			3,513				1,769
	5		—			5,506				288
	6		—			1,763				438
	7		—			—				—
	8		—			—				—
	Total	$	2,111		$	45,268			$	13,028
	Acquired Loans:
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other				Commercial
	2-Jan	$	—		$	266			$	1,130
	3		—			2,579				805
	4		—			10,644				900
	4.5					330				18
	5		—			1,008				1,034
	6		—			608				152
	7		—			0				0
	8		—			0				0
	Total	$	—		$	15,435			$	4,039
	As of December 31, 2014
	Originated Loans:
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other				Commercial
	2-Jan	$	—		$	—			$	31
	3		—			13,565				6,088
	4		1,443			21,757				7,538
	4.5		—			3,553				252
	5		—			6,040				635
	6		—			1,393				—
	7		—			—				—
	8		—			—				—
	Total	$	1,443		$	46,308			$	14,544
	Acquired Loans:
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other				Commercial
	2-Jan	$	—		$	280			$	1,188
	3		—			2,696				876
	4		—			10,905				970
	4.5					337				21
	5		—			1,176				1,150
	6		—			547				156
	7		—			9				0
	8		—			—				0
	Total	$	—		$	15,950			$	4,361
	For residential real estate and other consumer credit the Company evaluates credit quality based on the aging status of the loan and by payment activity. Loans 60 or more days past due are monitored by the collection committee.
	The following tables present the risk category of loans by class based on the most recent analysis performed as of March 31, 2015 and December 31, 2014.
	As of March 31, 2015
					Consumer -
		Residential			Real Estate			Consumer - Other
	Originated Loans:
	Loan Grade:
	Pass	$	66,566		$	7,545			$	1,197
	Special Mention		—			—				—
	Substandard		511			58				—
	Total	$	67,077		$	7,603			$	1,197
					Consumer -
		Residential			Real Estate			Consumer - Other
Acquired Loans:
Loan Grade:
Pass	$	5,944		$	1,628			$	162
Special Mention		—			—				—
Substandard		293			10				31
Total	$	6,237		$	1,638			$	193
As of December 31, 2014
				Consumer -
	Residential			Real Estate			Consumer - Other
Originated Loans:
Loan Grade:
Pass	$	64,397		$	7,778			$	1,155
Special Mention		—			—				—
Substandard		545			24				3
Total	$	64,942		$	7,802			$	1,158
				Consumer -
	Residential			Real Estate			Consumer - Other
Acquired Loans:
Loan Grade:
Pass	$	6,335		$	1,731			$	213
Special Mention		—			—				—
Substandard		551			1				—
Total	$	6,886		$	1,732			$	213
Schedule of recorded investment in non-accrual loans by class	The following table presents the recorded investment in non-accrual loans by class as of March 31, 2015 and December 31, 2014:
		As of
		31-Mar-15			31-Dec-14
		(in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	—		$	—
	Commercial Real Estate - other		461			486
	Commercial		74			77
	Consumer:
	Consumer - real estate		51			25
	Consumer - other		—			—
	Residential:
	Residential		695			750
	Total	$	1,281		$	1,338
Schedule of loans modified as troubled debt restructurings	The Bank has classified approximately $3.4 million of its impaired loans as troubled debt restructurings as of March 31, 2015.
												Troubled Debt Restructurings that Subsequently
		Troubled Debt Restructurings										Defaulted
		For the three months ended March 31, 2015										For the three months ended March 31, 2015
					Pre-modification				Post-modification
		Number of			outstanding recorded				outstanding recorded
		Loans			investment				investment			Number of Loans			Recorded Investment
					(dollars in thousands)										(dollars in thousands)
	Troubled Debt Restructurings
	Commercial Real Estate - Construction		—		$	—			$	—			—		$	—
	Commercial Real Estate - Other		—			—				—			—			—
	Commercial - non real estate		—			—				—			—			—
	Residential		1			110				110			—			—
	Total		1		$	110			$	110			—		$	—
												Troubled Debt Restructurings that Subsequently
		Troubled Debt Restructurings										Defaulted
		For the three months ended March 31, 2014										For the three months ended March 31, 2014
					Pre-modification				Post-modification
		Number of			outstanding recorded				outstanding recorded
		Loans			investment				investment			Number of Loans			Recorded Investment
					(dollars in thousands)										(dollars in thousands)
	Commerical Real Estate - Construction		—		$	—			$	—			—		$	—
	Commercial Real Estate - Other		—			—				—			—			—
	Consumer - Other		—			—				—			—			—
	Residential		—			—				—			—			—
	Total		—		$	—			$	—			—		$	—
Schedule of loans individually evaluated for impairment	The following table presents the loans individually evaluated for impairment by class of loans as of March 31, 2015 and December 31, 2014:
	As of March 31, 2015											2015
		Unpaid Principal			Recorded				Related			Average			Interest
		Balance			Investment				Allowance			Recorded			Income
												Investment			Recognized
		(dollars in thousands)										(dollars in thousands)
	With no related allowance recorded:
	Commercial	$	15		$	15			$	—		$	15		$	—
	Commercial Real Estate - Construction		—			—				—			—			—
	Commercial Real Estate - Other		848			847				—			849			12
	Consumer - Real Estate		43			40				—			41			—
	Consumer - Other		—			—				—			—			—
	Residential		639			554				—			492			3
	With a specific allowance recorded:
	Commercial		—			—				—			—			—
	Commercial Real Estate - Construction		—			—				—			—			—
	Commercial Real Estate - Other		955			955				12			959			12
	Consumer - Real Estate		19			19				19			19			—
	Consumer - Other		—			—				—			—			—
	Residential		142			140				27			142			—
	Totals:
	Commercial	$	15		$	15			$	—		$	15		$	—
	Commercial Real Estate - Construction	$	—		$	—			$	—		$	—		$	—
	Commercial Real Estate - Other	$	1,803		$	1,802			$	12		$	1,808		$	24
	Consumer - Real Estate	$	62		$	59			$	19		$	60		$	—
	Consumer - Other	$	—		$	—			$	—		$	—		$	—
	Residential	$	781		$	694			$	27		$	634		$	3
												For the Three Months Ended
	Impaired Loans											March 31,
	As of December 31, 2014											2014
		Unpaid Principal			Recorded				Related			Average			Interest
		Balance			Investment				Allowance			Recorded			Income
												Investment			Recognized
		(dollars in thousands)
	With no related allowance recorded:
	Commercial	$	—		$	—			$	—		$	—		$	—
	Commercial Real Estate - Construction		—			—				—			—			—
	Commercial Real Estate - Other		1,431			1,430				—			1,595			21
	Consumer - Real Estate		26			24				—			6			—
	Consumer - Other		—			—				—			—			—
	Residential		781			618				—			382			1
	With a specific allowance recorded:
	Commercial		—			—				—			—			—
	Commercial Real Estate - Construction		—			—				—			173			—
	Commercial Real Estate - Other		386			386				10			1,840			4
	Consumer - Real Estate		—			—				—			—			—
	Consumer - Other		—			—				—			—			—
	Residential		—			—				—			30			—
	Totals:
	Commercial	$	—		$	—			$	—		$	—		$	—
	Commercial Real Estate - Construction	$	—		$	—			$	—		$	173		$	—
	Commercial Real Estate - Other	$	1,817		$	1,816			$	10		$	3,435		$	25
	Consumer - Real Estate	$	26		$	24			$	—		$	6		$	—
	Consumer - Other	$	—		$	—			$	—		$	—		$	—
	Residential	$	781		$	618			$	—		$	412		$	1
Schedule of activity for allowance for loan losses	Activity in the allowance for loan and lease losses was as follows for the quarters ended March 31, 2015 and 2014, respectively:
	For the Three Months Ended March 31, 2015
		Commercial			Commercial							Consumer
		Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
												(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	8		$	307			$	94		$	33		$	19		$	869		$	99		$	1,429
	Charge-offs		—			(3	)			—			—			(5	)		(36	)		—			(44	)
	Recoveries		12			4				2			4			—			14			—			36
	Provision		(5	)		62				9			11			7			(34	)		(27	)		23
	Ending Balance	$	15		$	370			$	105		$	48		$	21		$	813		$	72		$	1,444
	For the Three Months Ended March 31, 2014
		Commercial			Commercial							Consumer
		Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
												(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	48		$	444			$	63		$	62		$	21		$	784		$	50		$	1,472
	Charge-offs		—			(16	)			—			(11	)		(6	)		(35	)		—			(68	)
	Recoveries		—			19				—			9			—			10			—			38
	Provision		—			(55	)			(2	)		(11	)		1			33			50			16
	Ending Balance	$	48		$	392			$	61		$	49		$	16		$	792		$	100		$	1,458
	Loan Balances Individually Evaluated for Impairment
	As of March 31, 2015
		Commercial			Commercial							Consumer
		Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
												(dollars in thousands)
	Ending allowance balance: individually evaluated for impairment	$	—		$	12			$	—		$	19		$	—		$	27		$	—		$	58
	Ending allowance balance: individually evaluated for impairment	$	15		$	358			$	105		$	29		$	21		$	786		$	72		$	1,386
	Loans:
	Ending Balance	$	2,111		$	60,703			$	17,067		$	9,241		$	1,390		$	73,314		$	—		$	163,826
	Ending balance: individually evaluated for impairment	$	—		$	1,802			$	15		$	59		$	—		$	694		$	—		$	2,570
	Ending balance: loans collectively evaluated for impairment	$	2,111		$	43,466			$	13,013		$	7,544		$	1,197		$	66,383		$	—		$	133,714
	Acquired loans with deteriorated credit quality not subject to loan loss reserve	$	—		$	1,988			$	866		$	9		$	—		$	422		$	—		$	3,285
	Other acquired loans not subject to loan loss reserve	$	—		$	13,447			$	3,173		$	1,629		$	193		$	5,815		$	—		$	24,257
	Loan Balances Individually Evaluated for Impairment
	As of March 31, 2014
		Commercial			Commercial							Consumer
		Construction			Real Estate				Commercial			Real Estate			Consumer			Residential			Unallocated			Total
												(dollars in thousands)
	Ending allowance balance: individually evaluated for impairment	$	48		$	137			$	—		$	—		$	—		$	5		$	—		$	190
	Ending allowance balance: individually evaluated for impairment	$	—		$	255			$	61		$	49		$	16		$	787		$	100		$	1,268
	Loans:
	Ending Balance	$	173		$	51,382			$	12,252		$	8,490		$	1,171		$	63,576		$	—		$	137,044
	Ending balance: individually evaluated for impairment	$	173		$	3,315			$	—		$	6		$	—		$	405		$	—		$	3,899
	Ending balance: loans collectively evaluated for impairment	$	—		$	48,067			$	12,252		$	8,484		$	1,171		$	63,171		$	—		$	133,145

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of option activity	A summary of option activity under the Plans during the three months ended March 31, 2015 is presented below:
							Weighted-Average
					Weighted-		Remaining
					Average		Contractual Term		Aggregate
	Options	Shares			Exercise Price		(Years)		Intrinsic Value
	Outstanding at January 1, 2015		136,030		$	9.54		1.4	$	0
	Granted		0			N/A
	Exercised		0			N/A
	Forfeited or expired		(250	)	$	9.65
	Oustanding at March 31, 2015		135,780		$	9.54		1.1	$	0
	Options Exercisable at March 31, 2015		135,780		$	9.54		1.1	$	0

COMMITMENTS_TO_EXTEND_CREDIT_T

COMMITMENTS TO EXTEND CREDIT (Tables)	3 Months Ended
	Mar. 31, 2015
Off Balance Sheet Risk Commitments And Contingencies Tables
Schedule of Outstanding Commitments to Originate Loans	At March 31, 2015, the Company had outstanding commitments to originate loans of $22.2 million. These commitments included the following:
		As of
		31-Mar-15
		(in thousands)
	Commitments to grant loans	$	7,586
	Unfunded commitments under lines of credit		14,493
	Commercial and standby letters of credit		134

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements Tables
Schedule of assets and liabilities measured at fair value on a recurring basis	The following table presents information about the Company’s assets and liabilities measured at fair value on a recurring basis as of March 31, 2015 and December 31, 2014, and the valuation techniques used by the Company to determine those fair values.
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at March 31, 2015
		Quoted		Significant		Significant Unobservable Inputs		Fair Value as
		Prices in		Other		(Level 3)		of
		Active		Observable				March 31,
		Markets for Identical		Inputs				2015
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities- available-for-sale:
	US Treasury securities and obligations of U.S. government corporations and agencies	$	1,285	$	35,759	$	—	$	37,044
	Municipal obligations		—		22,664		2,253		24,917
	Corporate bonds & other obligations		—		1,540		—		1,540
	Mortgage-backed securities		—		62,798		—		62,798
	Equity securities		—		6		—		6
	Total investment securities - available-for-sale	$	1,285	$	122,767	$	2,253	$	126,305
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at December 31, 2014
		Quoted		Significant		Significant Unobservable Inputs		Fair Value as
		Prices in		Other		(Level 3)		of December
		Active		Observable				31, 2014
		Markets for Identical		Inputs
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities - available-for-sale:
	U.S. Treasury securities and obligations of U.S.government corporations and agencies	$	1,279	$	5,763	$	—	$	7,042
	Municipal obligations		—		11,317		2,292		13,609
	Corporate bonds & other obligations		—		1,097		—		1,097
	Mortgage-backed securities		—		28,603		—		28,603
	Equity securities		—		7		—		7
	Total investment securities - available-for-sale	$	1,279	$	46,787	$	2,292	$	50,358
Schedule of assets measured at fair value on a nonrecurring basis	The Company has assets that, under certain conditions, are subject to measurement at fair value on a nonrecurring basis. At March 31, 2015 and December 31, 2014, such assets consist primarily of impaired loans and other real estate owned. The Company has estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections.
	Assets Measured at Fair Value on a Nonrecurring Basis at March 31, 2015
		Balance at		Quoted Prices in		Significant		Significant
		31-Mar-15		Active Markets		Other		Unobservable
				for Identical		Observable		Inputs
				Assets (Level 1)		Inputs		(Level 3)
						(Level 2)
		(dollars in thousands)
	Originated Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	1,801	$	—	$	—	$	1,801
	Other real estate owned -residential mortgages		591		—		—		591
	Other Real estate owned - commercial		1,636		—		—		1,636
	Other repossessed assets		860		—		—		860
	Total assets at fair value on a non-recurring basis							$	4,888
	Acquired Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	525	$	—	$	—	$	525
	Other real estate owned -residential mortgages		—		—		—		—
	Other real estate owned - commercial		—		—		—		—
	Other repossessed assets		—		—		—		—
	Total assets at fair value on a non-recurring basis							$	525
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2014
		Balance at		Quoted Prices in		Significant		Significant
		31-Dec-14		Active Markets		Other		Unobservable
				for Identical		Observable		Inputs (Level 3)
				Assets (Level 1)		Inputs (Level 2)
		(dollars in thousands)
	Originated Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	1,806	$	—	$	—	$	1,806
	Other real estate owned -residential mortgages		336		—		—		336
	Other real estate owned - commercial		1,628		—		—		1,628
	Other repossessed assets		860		—		—		860
	Total assets at fair value on a non-recurring basis							$	4,630
	Acquired Assets:
	Impaired loans accounted for under FASB ASC 310-10	$	396	$	—	$	—	$	396
	Other real estate owned -residential mortgages		—		—		—		—
	Other real estate owned - commercial		—		—		—		—
	Other repossessed assets		—		—		—		—
	Total assets at fair value on a non-recurring basis							$	396
Schedule of carrying value and estimated fair values of Financial Instruments	The estimated fair values and related carrying or notional amounts of the Company’s financial instruments are as follows:
	31-Mar-15	Carrying		Level 1		Level 2		Level 3		Total
		Value								Estimated Fair
										Value
		(in thousands)
	Financial assets:
	Cash and cash equivalents	$	19,512	$	19,512	$	—	$	—	$	19,512
	Deposits held at other financial institutions		8,429		—		7,218		1,240		8,458
	Securities available for sale		126,305		1,285		125,020		—		126,305
	Securities held to maturity		790		—		891		—		891
	Loans held for sale		413		—		—		427		427
	Loans receivable - net		162,130		—		—		162,025		162,025
	Federal Home Loan Bank stock		2,591		—		2,591		—		2,591
	Accrued interest receivable		1,090		—		—		1,090		1,090
	Financial liabilities:
	Customer deposits		285,472		—		286,031		—		286,031
	Federal Home Loan Bank advances		20,827		—		20,798		—		20,798
	Accrued interest payable		100		—		—		100		100
	31-Dec-14	Carrying		Level 1		Level 2		Level 3		Total
		Value								Estimated Fair
										Value
		(in thousands)
	Financial assets:
	Cash and cash equivalents	$	11,472	$	11,472	$	—	$	—	$	11,472
	Deposits held at other financial institutions		8,429		—		8,424	$	—		8,424
	Securities available for sale		119,968		—		119,968		—		119,968
	Securities held to maturity		790		—		908		—		908
	Loans held for sale		88		—		—		90		90
	Loans receivable - net		163,647		—		—		163,690		163,690
	Federal Home Loan Bank stock		2,591		—		2,591		—		2,591
	Accrued interest receivable		986		—		—		986		986
	Financial liabilities:
	Customer deposits		270,734		—		271,200		—		271,200
	Federal Home Loan Bank advances		22,885		—		22,696		—		22,696
	Accrued interest payable		101		—		—		101		101

BUSINESS_COMBINATIONS_Details_

BUSINESS COMBINATIONS (Details Narrative) (USD $)	0 Months Ended
In Thousands, except Share data, unless otherwise specified	Aug. 08, 2014	Mar. 31, 2015	Dec. 31, 2014
Total assets		$338,932	$325,867
Bank of Alpena [Member]
Number of branch offices		1
Total assets		$102,900
Shares converted in merger, share ratio	$1.55
Shares issued for Alpena Banking corporation shares	842,965

BUSINESS_COMBINATIONS_Details

BUSINESS COMBINATIONS (Details) (Bank of Alpena [Member], USD $)	0 Months Ended
In Thousands, except Share data, unless otherwise specified	Aug. 08, 2014
Bank of Alpena [Member]
Shares issued for Alpena Banking corporation shares	842,965
Price per share	$5.59
Total purchase price	$4,712

BUSINESS_COMBINATIONS_Details_1

BUSINESS COMBINATIONS (Details 1) (Bank of Alpena [Member], USD $)	0 Months Ended
In Thousands, unless otherwise specified	Aug. 08, 2014
Bank of Alpena [Member]
Assets
Cash and cash equivalents	$41,650
Securities	24,008
Loans	33,051
Premises and Equipment	1,667
Core Deposit Intangible	1,392
Deferred Tax Asset	337
Other Assets	467
Total Assets	102,572
Liabilities
Deposits	95,787
Other Liabilities	91
Total Liabilities	95,878
Net Identifable Assets Acquired	6,694
Bargain Purchase Gain	($1,982)

BUSINESS_COMBINATIONS_Details_2

BUSINESS COMBINATIONS (Details 2) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Pro-forma results
Net interest income	$2,316	$1,796
Bank of Alpena [Member]
Pro-forma results
Net interest income	2,316	2,375
Net interest income	494	442
Non-interest expense	2,431	2,543
Net income	$356	$227
Net income per diluted shares	$0.10	$0.06
Weighted average shares outstanding	3,727	3,727

BUSINESS_COMBINATIONS_Details_3

BUSINESS COMBINATIONS (Details 3) (Bank of Alpena [Member], USD $)	Aug. 08, 2014
In Thousands, unless otherwise specified
Impaired acquired loans	$4,698
Non-impaired acquired loans	28,353
Acquired loans	33,051
Residential Mortgage [Member]
Impaired acquired loans	397
Non-impaired acquired loans	6,992
Acquired loans	7,389
Commercial Real Estate Construction [Member]
Impaired acquired loans
Non-impaired acquired loans	109
Acquired loans	109
Commercial Secured by Real Estate [Member]
Impaired acquired loans	3,070
Non-impaired acquired loans	14,721
Acquired loans	17,791
Commercial Real Estate Other [Member]
Impaired acquired loans	1,201
Non-impaired acquired loans	4,213
Acquired loans	5,414
Commercial Loans [Member]
Impaired acquired loans	4,271
Non-impaired acquired loans	19,043
Acquired loans	23,314
Consumer Loans Secured by Real Estate [Member]
Impaired acquired loans	30
Non-impaired acquired loans	1,568
Acquired loans	1,598
Consumer Other [Member]
Impaired acquired loans
Non-impaired acquired loans	750
Acquired loans	750
Total Consumer Loans [Member]
Impaired acquired loans	30
Non-impaired acquired loans	2,318
Acquired loans	$2,348

BUSINESS_COMBINATIONS_Details_4

BUSINESS COMBINATIONS (Details 4) (Bank of Alpena [Member], USD $)	Aug. 08, 2014
In Thousands, unless otherwise specified
Loans acquired - contractual required payments	$34,517
Non accretable difference	-1,232
Expected cash flows	33,285
Accretable yield	-234
Acquired loans	33,051
Impaired Loans [Member]
Loans acquired - contractual required payments	5,930
Non accretable difference	-1,232
Expected cash flows	4,698
Acquired loans	4,698
Non-Impaired Loans [Member]
Loans acquired - contractual required payments	28,587
Expected cash flows	28,587
Accretable yield	-234
Acquired loans	$28,353

SECURITIES_Details_Narrative

SECURITIES (Details Narrative) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified	Number	Number
Securities Details Narrative
Securities pledged as collateral	$34,000	$35,000
Number of securities with an unrealized loss	19	72
Fair value of securities with an unrealized loss	$137	$303

SECURITIES_Details

SECURITIES (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Available for Sale
Available for Sale, Amortized Cost	$125,130	$119,315
Available for Sale, Gross Unrealized Gains	1,312	956
Available for Sale, Gross Unrealized (Losses)	-137	-303
Available for Sale, Market Value	126,305	119,968
Held to Maturity
Held to Maturity, Amortized Cost	790	790
Held to Maturity, Market Value	891
US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Available for Sale
Available for Sale, Amortized Cost	36,788	31,221
Available for Sale, Gross Unrealized Gains	270	58
Available for Sale, Gross Unrealized (Losses)	-14	-57
Available for Sale, Market Value	37,044	31,222
Municipal Notes [Member]
Available for Sale
Available for Sale, Amortized Cost	24,473	22,894
Available for Sale, Gross Unrealized Gains	464	369
Available for Sale, Gross Unrealized (Losses)	-20	-129
Available for Sale, Market Value	24,917	23,134
Held to Maturity
Held to Maturity, Amortized Cost	790	790
Held to Maturity Securities, Gross Unrealized Gains	101	118
Held to Maturity Securities, Gross Unrealized (Losses)
Held to Maturity, Market Value	891	908
Corporate Securities [Member]
Available for Sale
Available for Sale, Amortized Cost	1,532	1,549
Available for Sale, Gross Unrealized Gains	8	12
Available for Sale, Gross Unrealized (Losses)
Available for Sale, Market Value	1,540	1,561
Mortgage Backed Securities [Member]
Available for Sale
Available for Sale, Amortized Cost	62,334	63,648
Available for Sale, Gross Unrealized Gains	567	515
Available for Sale, Gross Unrealized (Losses)	-103	-117
Available for Sale, Market Value	62,798	64,046
Equity Securities [Member]
Available for Sale
Available for Sale, Amortized Cost	3	3
Available for Sale, Gross Unrealized Gains	3	2
Available for Sale, Gross Unrealized (Losses)
Available for Sale, Market Value	$6	$5

SECURITIES_Details_1

SECURITIES (Details 1) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Amortized cost:
Total	$125,130
Fair Value:
Total	126,305
Amortized Cost:
Due in one year or less	45
Due after one year through five years	200
Due after five years through ten years	315
Due after ten years	230
Total	790
Fair Value:
Due in one year or less	45
Due after one year through five years	212
Due after five years through ten years	360
Due after ten years	274
Total	891
Equity Securities [Member]
Amortized cost:
Total	3
Fair Value:
Total	6
Mortgage Backed Securities [Member]
Amortized cost:
Total	62,334
Fair Value:
Total	62,798
Available-for-sale Securities
Amortized cost:
Due in one year or less	6,213
Due after one year through five years	38,741
Due after five years through ten years	16,549
Due after ten years	1,290
Total	62,793
Fair Value:
Due in one year or less	6,237
Due after one year through five years	39,055
Due after five years through ten years	16,792
Due after ten years	1,417
Total	$63,501

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Securities available for sale
Fair Value Less Than 12 Months	$8,731	$33,101
Unrealized Loss Less Than 12 Months	-32	-113
Fair Value Less Than 12 Months or Longer	7,617	9,676
Unrealized Loss Less Than 12 Months or Longer	-105	-190
US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale
Fair Value Less Than 12 Months	2,486	13,672
Unrealized Loss Less Than 12 Months	-8	-28
Fair Value Less Than 12 Months or Longer	994	971
Unrealized Loss Less Than 12 Months or Longer	-6	-29
Municipal Notes [Member]
Securities available for sale
Fair Value Less Than 12 Months	15	9,506
Unrealized Loss Less Than 12 Months		-54
Fair Value Less Than 12 Months or Longer	2,204	4,039
Unrealized Loss Less Than 12 Months or Longer	-20	-75
Mortgage Backed Securities [Member]
Securities available for sale
Fair Value Less Than 12 Months	6,230	9,923
Unrealized Loss Less Than 12 Months	-24	-31
Fair Value Less Than 12 Months or Longer	4,419	4,666
Unrealized Loss Less Than 12 Months or Longer	($79)	($86)

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Gross loans	$163,826	$165,339
Net deferred loan fees	-252	-263
Allowance for loan losses	-1,444	-1,429	1,458	1,472
Total loans, net	162,130	163,647
One-to-Four Family Residential Real Estate [Member]
Gross loans	73,314	71,828
Allowance for loan losses	813	869	792	784
Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Allowance for loan losses	15	8	48	48
Commercial Real Estate [Member]
Gross loans	60,703	62,163
Allowance for loan losses	370	307	392	444
Commercial Non Real Estate [Member]
Gross loans	17,067	19,000
Commercial Loans [Member]
Gross loans	79,881	82,606
Allowance for loan losses	105	94	61	63
Consumer Real Estate [Member]
Gross loans	9,241	9,502
Allowance for loan losses	48	33	49	62
Consumer Other [Member]
Gross loans	1,390	1,403
Consumer Loans Secured by Real Estate [Member]
Gross loans	10,631	10,905
Allowance for loan losses	$21	$19	$16	$21

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 1) (Acquired Loans [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
Beginning of year	($1,440)
Net discount associated with accretable and non-accretable loans acquired during period
Accretion of discount for credit spread	5
Loans paid off
Loans charged off	81
End of year	-1,354
Impaired Loans Non-Accretable [Member]
Beginning of year	-1,232
Net discount associated with accretable and non-accretable loans acquired during period
Accretion of discount for credit spread
Loans paid off
Loans charged off	81
End of year	-1,151
Non-Impaired Loans Accretable [Member]
Beginning of year	-208
Net discount associated with accretable and non-accretable loans acquired during period
Accretion of discount for credit spread	5
Loans paid off
Loans charged off
End of year	($203)

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Gross loans	$163,826	$165,339
Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Commercial Non Real Estate [Member]
Gross loans	17,067	19,000
Consumer Real Estate [Member]
Gross loans	9,241	9,502
Consumer Other [Member]
Gross loans	1,390	1,403
One-to-Four Family Residential Real Estate [Member]
Gross loans	73,314	71,828
Orginated Loans and Leases [Member]
Total past due	2,990	2,945
Current	133,294	133,252
Gross loans	136,284	136,197
Recorded investment > 90 days and accruing	141	90
Orginated Loans and Leases [Member] | 30 - 59 Days Past Due [Member]
Total past due	2,619	1,604
Orginated Loans and Leases [Member] | 60 - 89 Days Past Due [Member]
Total past due	17	945
Orginated Loans and Leases [Member] | Greater than 90 Days Past Due [Member]
Total past due	354	396
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member]
Total past due
Current	2,111	1,443
Gross loans	2,111	1,443
Recorded investment > 90 days and accruing
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member]
Total past due	769	205
Current	44,499	46,103
Gross loans	45,268	46,308
Recorded investment > 90 days and accruing
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | 30 - 59 Days Past Due [Member]
Total past due	760	10
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | 60 - 89 Days Past Due [Member]
Total past due		195
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Greater than 90 Days Past Due [Member]
Total past due	9
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member]
Total past due	415
Current	12,613	14,544
Gross loans	13,028	14,544
Recorded investment > 90 days and accruing	15
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due	400
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Greater than 90 Days Past Due [Member]
Total past due	15
Orginated Loans and Leases [Member] | Consumer Real Estate [Member]
Total past due	41	118
Current	7,562	7,684
Gross loans	7,603	7,802
Recorded investment > 90 days and accruing	17
Orginated Loans and Leases [Member] | Consumer Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due		107
Orginated Loans and Leases [Member] | Consumer Real Estate [Member] | 60 - 89 Days Past Due [Member]
Total past due	17	4
Orginated Loans and Leases [Member] | Consumer Real Estate [Member] | Greater than 90 Days Past Due [Member]
Total past due	24	7
Orginated Loans and Leases [Member] | Consumer Other [Member]
Total past due	17	6
Current	1,180	1,152
Gross loans	1,197	1,158
Recorded investment > 90 days and accruing	8	3
Orginated Loans and Leases [Member] | Consumer Other [Member] | 30 - 59 Days Past Due [Member]
Total past due	9	3
Orginated Loans and Leases [Member] | Consumer Other [Member] | Greater than 90 Days Past Due [Member]
Total past due	8	3
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member]
Total past due	1,748	2,616
Current	65,329	62,326
Gross loans	67,077	64,942
Recorded investment > 90 days and accruing	101	87
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due	1,450	1,484
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Total past due		746
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member] | Greater than 90 Days Past Due [Member]
Total past due	298	386
Acquired Loans [Member]
Total past due	1,262	1,277
Current	26,280	27,865
Gross loans	27,543	29,142
Recorded investment > 90 days and accruing		225
Acquired Loans [Member] | 30 - 59 Days Past Due [Member]
Total past due	651	395
Acquired Loans [Member] | 60 - 89 Days Past Due [Member]
Total past due	110	224
Acquired Loans [Member] | Greater than 90 Days Past Due [Member]
Total past due	501	658
Acquired Loans [Member] | Commercial Real Estate Construction [Member]
Total past due
Current
Gross loans
Recorded investment > 90 days and accruing
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | 30 - 59 Days Past Due [Member]
Total past due	317
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | 60 - 89 Days Past Due [Member]
Total past due	110
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Greater than 90 Days Past Due [Member]
Total past due	111
Acquired Loans [Member] | Commercial Real Estate Other [Member]
Total past due	538	346
Current	14,897	15,604
Gross loans	15,435	15,950
Recorded investment > 90 days and accruing
Acquired Loans [Member] | Commercial Real Estate Other [Member] | 30 - 59 Days Past Due [Member]
Total past due	88	125
Acquired Loans [Member] | Commercial Real Estate Other [Member] | 60 - 89 Days Past Due [Member]
Total past due		128
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Greater than 90 Days Past Due [Member]
Total past due	105	93
Acquired Loans [Member] | Commercial Non Real Estate [Member]
Total past due	193	144
Current	3,846	4,217
Gross loans	4,039	4,361
Recorded investment > 90 days and accruing
Acquired Loans [Member] | Commercial Non Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due	5
Acquired Loans [Member] | Commercial Non Real Estate [Member] | 60 - 89 Days Past Due [Member]
Total past due		40
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Greater than 90 Days Past Due [Member]
Total past due		104
Acquired Loans [Member] | Consumer Real Estate [Member]
Total past due	5	123
Current	1,633	1,609
Gross loans	1,638	1,732
Recorded investment > 90 days and accruing
Acquired Loans [Member] | Consumer Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due	13	123
Acquired Loans [Member] | Consumer Other [Member]
Total past due	13
Current	180	213
Gross loans	193	213
Recorded investment > 90 days and accruing
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member]
Total past due	513	664
Current	5,724	6,222
Gross loans	6,237	6,886
Recorded investment > 90 days and accruing		225
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member] | 30 - 59 Days Past Due [Member]
Total past due	228	147
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member] | 60 - 89 Days Past Due [Member]
Total past due		56
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member] | Greater than 90 Days Past Due [Member]
Total past due	$285	$461

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Gross loans	$163,826	$165,339
Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Commercial Non Real Estate [Member]
Gross loans	17,067	19,000
Orginated Loans and Leases [Member]
Gross loans	136,284	136,197
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans	2,111	1,443
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 4 (Acceptable) and Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 8 (Loss) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member]
Gross loans	45,268	46,308
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans	14,912	13,565
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans	19,574	21,757
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 4 (Acceptable) and Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	3,513	3,553
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	5,506	6,040
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	1,763	1,393
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Other [Member] | Risk Grade 8 (Loss) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member]
Gross loans	13,028	14,544
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans	29	31
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans	5,296	6,088
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans	5,208	7,538
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 4 (Acceptable) and Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	1,769	252
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	288	635
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	438
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Non Real Estate [Member] | Risk Grade 8 (Loss) [Member]
Gross loans
Acquired Loans [Member]
Gross loans	27,543	29,142
Acquired Loans [Member] | Commercial Real Estate Construction [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 8 (Loss) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Other [Member]
Gross loans	15,435	15,950
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans	266	280
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans	2,579	2,696
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans	10,644	10,905
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 4 (Acceptable) and Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	330	337
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	1,008	1,176
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	608	547
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans	0	9
Acquired Loans [Member] | Commercial Real Estate Other [Member] | Risk Grade 8 (Loss) [Member]
Gross loans	0
Acquired Loans [Member] | Commercial Non Real Estate [Member]
Gross loans	4,039	4,361
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 1 (Excellent) and Grade 2 (Good) [Member]
Gross loans	1,130	1,188
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 3 (Satisfactory) [Member]
Gross loans	805	876
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 4 (Acceptable) [Member]
Gross loans	900	970
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 4 (Acceptable) and Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	18	21
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans	1,034	1,150
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	152	156
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 7 (Doubtful) [Member]
Gross loans	0	0
Acquired Loans [Member] | Commercial Non Real Estate [Member] | Risk Grade 8 (Loss) [Member]
Gross loans	$0	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Gross loans	$163,826	$165,339
One-to-Four Family Residential Real Estate [Member]
Gross loans	73,314	71,828
Consumer Real Estate [Member]
Gross loans	9,241	9,502
Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Consumer Other [Member]
Gross loans	1,390	1,403
Orginated Loans and Leases [Member]
Gross loans	136,284	136,197
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member]
Gross loans	67,077	64,942
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member] | Pass [Member]
Gross loans	66,566	64,397
Orginated Loans and Leases [Member] | One-to-Four Family Residential Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	511	545
Orginated Loans and Leases [Member] | Consumer Real Estate [Member]
Gross loans	7,603	7,802
Orginated Loans and Leases [Member] | Consumer Real Estate [Member] | Pass [Member]
Gross loans	7,545	7,778
Orginated Loans and Leases [Member] | Consumer Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	58	24
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member]
Gross loans	2,111	1,443
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans
Orginated Loans and Leases [Member] | Commercial Real Estate Construction [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans
Orginated Loans and Leases [Member] | Consumer Other [Member]
Gross loans	1,197	1,158
Orginated Loans and Leases [Member] | Consumer Other [Member] | Pass [Member]
Gross loans	1,197	1,155
Orginated Loans and Leases [Member] | Consumer Other [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans		3
Acquired Loans [Member]
Gross loans	27,543	29,142
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member]
Gross loans	6,237	6,886
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member] | Pass [Member]
Gross loans	5,944	6,335
Acquired Loans [Member] | One-to-Four Family Residential Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	293	551
Acquired Loans [Member] | Consumer Real Estate [Member]
Gross loans	1,638	1,732
Acquired Loans [Member] | Consumer Real Estate [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	10	1
Acquired Loans [Member] | Commercial Real Estate Construction [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Pass [Member]
Gross loans	1,628	1,731
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 5 (Other Assets Especially Mentioned) [Member]
Gross loans
Acquired Loans [Member] | Commercial Real Estate Construction [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans
Acquired Loans [Member] | Consumer Other [Member]
Gross loans	193	213
Acquired Loans [Member] | Consumer Other [Member] | Pass [Member]
Gross loans	162	213
Acquired Loans [Member] | Consumer Other [Member] | Risk Grade 6 (Substandard) [Member]
Gross loans	$31

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Recorded investment in non-accrual loans	$1,281	$1,338
Commercial Real Estate Construction [Member]
Recorded investment in non-accrual loans
Commercial Real Estate Other [Member]
Recorded investment in non-accrual loans	461	486
Commercial Loans [Member]
Recorded investment in non-accrual loans	74	77
Consumer Real Estate [Member]
Recorded investment in non-accrual loans	51	25
Consumer Other [Member]
Recorded investment in non-accrual loans
One-to-Four Family Residential Real Estate [Member]
Recorded investment in non-accrual loans	$695	$750

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
	Number
Troubled Debt Restructuring
Number of contracts	1
Pre-modification outstanding recorded investment	$110
Post-modification outstanding recorded investment	110
One-to-Four Family Residential Real Estate [Member]
Troubled Debt Restructuring
Number of contracts	1
Pre-modification outstanding recorded investment	110
Post-modification outstanding recorded investment	$110

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Commercial Loans [Member]
With no related allowance recorded:
Unpaid Principal	$15
Recorded Investment	15
Average Recorded Investment	15
Total
Unpaid Principal	15
Recorded Investment	15
Average Recorded Investment	15
Commercial Real Estate Construction [Member]
With an allowance recorded:
Average Recorded Investment		173
Total
Average Recorded Investment		173
Commercial Real Estate Other [Member]
With no related allowance recorded:
Unpaid Principal	848		1,431
Recorded Investment	847		1,430
Average Recorded Investment	849	1,595
Interest income recognized	12	21
With an allowance recorded:
Unpaid Principal	955		386
Related allowance	955		386
Recorded Investment	12		10
Average Recorded Investment	959	1,840
Interest income recognized	12	4
Total
Unpaid Principal	1,803		1,817
Recorded Investment	1,802		1,816
Average Recorded Investment	1,808	3,435
Interest income recognized	24	25
Consumer Real Estate [Member]
With no related allowance recorded:
Unpaid Principal	43		26
Recorded Investment	40		24
Average Recorded Investment	41	6
With an allowance recorded:
Unpaid Principal	19
Related allowance	19
Recorded Investment	19
Average Recorded Investment	19
Total
Unpaid Principal	62		26
Recorded Investment	59		24
Average Recorded Investment	60	6
One-to-Four Family Residential Real Estate [Member]
With no related allowance recorded:
Unpaid Principal	639		781
Recorded Investment	554		618
Average Recorded Investment	492	382
Interest income recognized	3	1
With an allowance recorded:
Unpaid Principal	142
Related allowance	140
Recorded Investment	27
Average Recorded Investment	142	30
Interest income recognized
Total
Unpaid Principal	781		781
Recorded Investment	694		618
Average Recorded Investment	634	412
Interest income recognized	$3	$1

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 8) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2013
Allowance for loan losses:
Beginning Balance	($1,429)	$1,472
Charge offs	-44	-68
Recoveries	36	38
Provision	23	16
Ending balance	-1,444	1,458
Individually evaluated for impairment	58	190
Collectively evaluated for impairment	1,386	1,268
Loans receivable (gross):
Gross loans	163,826	137,044
Individually evaluated for impairment	2,570	3,899
Collectively evaluated for impairment	133,714	133,145
Acquired loans not subject to loan loss reserve	3,285
Other acquired loans not subject to loan loss reserve	24,257
Commercial Real Estate Construction [Member]
Allowance for loan losses:
Beginning Balance	8		48
Recoveries	12
Provision	-5
Ending balance	15	48	48
Individually evaluated for impairment		48
Collectively evaluated for impairment	15
Loans receivable (gross):
Gross loans	2,111	173
Individually evaluated for impairment		173
Collectively evaluated for impairment	2,111
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning Balance	307	444
Charge offs	-3	-16
Recoveries	4	19
Provision	62	-55
Ending balance	370	392
Individually evaluated for impairment	12	137
Collectively evaluated for impairment	358	255
Loans receivable (gross):
Gross loans	60,703	51,382
Individually evaluated for impairment	1,802	3,315
Collectively evaluated for impairment	43,466	48,067
Acquired loans not subject to loan loss reserve	1,988
Other acquired loans not subject to loan loss reserve	13,447
Commercial Loans [Member]
Allowance for loan losses:
Beginning Balance	94	63
Recoveries	2
Provision	9	-2
Ending balance	105	61
Collectively evaluated for impairment	105	61
Loans receivable (gross):
Gross loans	17,067	12,252
Individually evaluated for impairment	15
Collectively evaluated for impairment	13,013	12,252
Acquired loans not subject to loan loss reserve	866
Other acquired loans not subject to loan loss reserve	3,173
Consumer Real Estate [Member]
Allowance for loan losses:
Beginning Balance	33	62
Charge offs		-11
Recoveries	4	9
Provision	11	-11
Ending balance	48	49
Individually evaluated for impairment	19
Collectively evaluated for impairment	29	49
Loans receivable (gross):
Gross loans	9,241	8,490
Individually evaluated for impairment	59	6
Collectively evaluated for impairment	7,544	8,484
Acquired loans not subject to loan loss reserve	9
Other acquired loans not subject to loan loss reserve	1,629
Consumer Loans Secured by Real Estate [Member]
Allowance for loan losses:
Beginning Balance	19	21
Charge offs	-5	-6
Provision	7	1
Ending balance	21	16
Collectively evaluated for impairment	21	16
Loans receivable (gross):
Gross loans	1,390	1,171
Collectively evaluated for impairment	1,197	1,171
Other acquired loans not subject to loan loss reserve	193
One-to-Four Family Residential Real Estate [Member]
Allowance for loan losses:
Beginning Balance	869	784
Charge offs	-36	-35
Recoveries	14	10
Provision	-34	33
Ending balance	813	792
Individually evaluated for impairment	27	5
Collectively evaluated for impairment	786	787
Loans receivable (gross):
Gross loans	73,314	63,576
Individually evaluated for impairment	694	405
Collectively evaluated for impairment	66,383	63,171
Acquired loans not subject to loan loss reserve	422
Other acquired loans not subject to loan loss reserve	5,815
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning Balance	99	50
Provision	-27	50
Ending balance	72	100
Collectively evaluated for impairment	$72	$100

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details Narrative) (USD $)	3 Months Ended
	Mar. 31, 2015
Closing stock price	5.95
2006 Stock-Based Incentive Plan [Member]
Number of awards authorized	242,740
Stock Options [Member]
Vesting term	5 years
Contractual term	10 years
Stock Options [Member] | 2006 Stock-Based Incentive Plan [Member]
Number of awards authorized	173,386
Stock Options [Member] | 1996 Stock-Based Incentive Plan [Member]
Number of awards authorized	127,491
Restricted Stock [Member] | 2006 Stock-Based Incentive Plan [Member]
Number of awards authorized	69,354

STOCKBASED_COMPENSATION_Detail1

STOCK-BASED COMPENSATION (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015
Number of Options
Outstanding, Beginning balance	136,030
Forfeited or expired	-250
Outstanding, Ending balance	135,780
Options Exercisable	135,780
Weighted Average Exercise Price
Outstanding, Beginning Balance	$9.54
Forfeited or expired	$9.65
Outstanding, Ending Balance	$9.54
Options Exercisable	$9.54
Weighted Average Remaining Contractual Term
Outstanding, Beginning	1 year 4 months 24 days
Outstanding, ending	1 year 1 month 6 days
Options exercisable	1 year 1 month 6 days
Aggregate Intrinsic Value
Outstanding, Beginning Balance	$0
Outstanding, Ending Balance	0
Options Exercisable	$0

COMMITMENTS_TO_EXTEND_CREDIT_D

COMMITMENTS TO EXTEND CREDIT (Details Narrative) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Commitments To Extend Credit Details Narrative
Obligations to extend credit for loan commitments	$22,200

COMMITMENTS_TO_EXTEND_CREDIT_D1

COMMITMENTS TO EXTEND CREDIT (Details) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Unfunded commitments under lines of credit [Member]
Commitments	$14,493
Commercial and standby letters of credit [Member]
Commitments	134
Commitments to grant loans [Member]
Commitments	$7,586

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Securities available for sale	$126,305	$119,968
US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale	37,044	31,222
Municipal Notes [Member]
Securities available for sale	24,917	23,134
Corporate Securities [Member]
Securities available for sale	1,540	1,561
Equity Securities [Member]
Securities available for sale	6	5
Mortgage Backed Securities [Member]
Securities available for sale	62,798	64,046
Carrying Value [Member]
Securities available for sale	126,305	119,968
Fair Value [Member]
Securities available for sale	126,305	119,968
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale	1,285
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale	125,020	119,968
Recurring [Member] | Fair Value [Member]
Securities available for sale	126,305	50,358
Recurring [Member] | Fair Value [Member] | US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale	37,044	7,042
Recurring [Member] | Fair Value [Member] | Municipal Notes [Member]
Securities available for sale	24,917	13,609
Recurring [Member] | Fair Value [Member] | Corporate Securities [Member]
Securities available for sale	1,540	1,097
Recurring [Member] | Fair Value [Member] | Equity Securities [Member]
Securities available for sale	6	7
Recurring [Member] | Fair Value [Member] | Mortgage Backed Securities [Member]
Securities available for sale	62,798	28,603
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale	1,285	1,279
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale	1,285	1,279
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Municipal Notes [Member]
Securities available for sale
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate Securities [Member]
Securities available for sale
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Equity Securities [Member]
Securities available for sale
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage Backed Securities [Member]
Securities available for sale
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale	122,767	46,787
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale	35,759	5,763
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Municipal Notes [Member]
Securities available for sale	22,664	11,317
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate Securities [Member]
Securities available for sale	1,540	1,097
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Equity Securities [Member]
Securities available for sale	6	7
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage Backed Securities [Member]
Securities available for sale	62,798	28,603
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale	2,253	2,292
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | US Treasury Securities and Obligations of US Government Corporations and Agencies [Member]
Securities available for sale
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Municipal Notes [Member]
Securities available for sale	2,253	2,292
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Corporate Securities [Member]
Securities available for sale
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Equity Securities [Member]
Securities available for sale
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Mortgage Backed Securities [Member]
Securities available for sale

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (Nonrecurring [Member], USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Originated Assets [Member] | Fair Value [Member]
Fair Value Assets Measured on a Nonrecurring Basis
Impaired loans	$1,801	$1,806
Other real estate owned - residential mortgages	591	336
Other real estate owned - commercial	1,636	1,628
Other repossessed assets	860	860
Originated Assets [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value Assets Measured on a Nonrecurring Basis
Impaired loans	1,801	1,806
Other real estate owned - residential mortgages	591	336
Other real estate owned - commercial	1,636	1,628
Other repossessed assets	860	860
Total assets measured at fair value on a non-recurring basis	4,888	4,630
Acquired Assets [Member] | Fair Value [Member]
Fair Value Assets Measured on a Nonrecurring Basis
Impaired loans	525	396
Acquired Assets [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value Assets Measured on a Nonrecurring Basis
Impaired loans	525	396
Total assets measured at fair value on a non-recurring basis	$525	$396

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financial assets:
Deposits held at other financial institutions	$8,429	$8,429
Securities available for sale	126,305	119,968
Securities held to maturity	891
Carrying Value [Member]
Financial assets:
Cash and cash equivalents	19,512	11,472
Deposits held at other financial institutions	8,429	8,429
Securities available for sale	126,305	119,968
Securities held to maturity	790	790
Loans held for sale	413	88
Loans receivable - net	162,130	163,647
Federal Home Loan Bank stock	2,591	2,591
Accrued interest receivable	1,090	986
Financial liabilities:
Customer deposits	285,472	270,734
Federal Home Loan Bank advances	20,827	22,885
Accrued interest payable	100	101
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets:
Cash and cash equivalents	19,512	11,472
Securities available for sale	1,285
Significant Other Observable Inputs (Level 2) [Member]
Financial assets:
Deposits held at other financial institutions	7,218	8,424
Securities available for sale	125,020	119,968
Securities held to maturity	891	908
Federal Home Loan Bank stock	2,591	2,591
Financial liabilities:
Customer deposits	286,031	271,200
Federal Home Loan Bank advances	20,798	22,696
Significant Unobservable Inputs (Level 3) [Member]
Financial assets:
Deposits held at other financial institutions	1,240
Loans held for sale	427	90
Loans receivable - net	162,025	163,690
Accrued interest receivable	1,090	986
Financial liabilities:
Accrued interest payable	100	101
Fair Value [Member]
Financial assets:
Cash and cash equivalents	19,512	11,472
Deposits held at other financial institutions	8,458	8,424
Securities available for sale	126,305	119,968
Securities held to maturity	891	908
Loans held for sale	427	90
Loans receivable - net	162,025	163,690
Federal Home Loan Bank stock	2,591	2,591
Accrued interest receivable	1,090	986
Financial liabilities:
Customer deposits	286,031	271,200
Federal Home Loan Bank advances	20,798	22,696
Accrued interest payable	$100	$101