Monarch Community Bancorp (MCBF) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 02, 2013
Document And Entity Information	'	'
Entity Registrant Name	'MONARCH COMMUNITY BANCORP INC	'
Entity Central Index Key	'0001169769	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
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	'	410,147
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$11,707	$8,978
Federal Home Loan Bank overnight time and other interest bearing deposits	12,289	19,766
Total cash and cash equivalents	23,996	28,744
Securities - Available for sale	10,375	10,047
Certificates of Deposit	1,984	1,981
Other securities	3,370	3,370
Loans held for sale	479	2,045
Loans, net	115,254	128,000
Foreclosed assets, net	810	1,244
Premises and equipment	3,897	3,980
Core deposit intangible	'	107
Accrued interest receivable and other assets	7,769	10,805
Total assets	167,934	190,323
Deposits	'	'
Non-interest bearing	19,341	17,610
Interest bearing	136,972	151,850
Total deposits	156,313	169,460
Federal Home Loan Bank advances	59	7,059
Accrued expenses and other liabilities	3,370	3,337
Total liabilities	159,742	179,856
Stockholders' Equity	'	'
Preferred stock-$.01 par value, 5,000,000 shares authorized, and 6,785 shares, fixed rate cumulative perpetual preferred stock, series A, $1,000 per share liquidation preference, issued and outstanding as of September 30, 2013 and December 31, 2012	6,781	6,773
Common stock - $0.05 par value, 20,000,000 shares authorized, 410,147 shares issued and outstanding at September 30, 2013 and December 31, 2012	20	20
Additional paid-in capital	20,994	20,994
Accumulated deficit	-19,185	-17,075
Accumulated other comprehensive income	-51	122
Unearned stock compensation	-367	-367
Total stockholders' equity	8,192	10,467
Total liabilities and stockholders' equity	$167,934	$190,323

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Statement of Financial Position [Abstract]	'	'
Preferred stock, par value	$0.01	$0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	6,785	6,785
Preferred stock, shares outstanding	6,785	6,785
Liquidation preference	$1,000	$1,000
Common stock, par value	$0.05	$0.05
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	410,147	410,147
Common stock, shares outstanding	410,147	410,147

Condensed_Consolidated_Stateme

Condensed Consolidated Statements Of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest Income	'	'	'	'
Loans, including fees	$1,742	$2,003	$5,334	$6,294
Investment securities	81	93	245	282
Federal funds sold and overnight deposits	13	5	43	34
Total interest income	1,836	2,101	5,622	6,610
Interest Expense	'	'	'	'
Deposits	220	370	782	1,184
Federal Home Loan Bank advances	63	125	208	508
Total interest expense	283	495	990	1,692
Net Interest Income	1,553	1,606	4,632	4,918
Provision for Loan Losses	50	5	437	58
Net Interest Income After Provision for Loan Losses	1,503	1,601	4,195	4,860
Non-interest Income	'	'	'	'
Fees and service charges	401	437	1,228	1,283
Loan servicing fees	113	96	322	303
Net gain on sale of loans	410	477	1,624	1,170
Net gain on sale of securities	'	9	3	9
Other income	104	11	356	269
Total non-interest income	1,028	1,030	3,533	3,034
Non-interest Expense	'	'	'	'
Salaries and employee benefits	1,608	1,462	4,754	4,131
Occupancy and equipment	302	296	881	816
Data processing	207	224	687	677
Mortgage banking	100	108	337	321
Professional services	175	203	596	626
Amortization of core deposit intangible	36	35	106	106
NOW account processing	46	51	148	146
ATM/Debit card processing	60	79	176	222
Foreclosed property expense	119	213	323	666
Other general and administrative	525	473	1,481	1,371
Total non-interest expense	3,178	3,144	9,489	9,082
Income (Loss) - Before income taxes	-647	-513	-1,761	-1,188
Income Taxes	'	'	38	'
Net Loss	-647	-513	-1,799	-1,188
Dividends and amortization of discount on preferred stock	107	102	311	300
Net loss available to common stockholders	-754	-615	-2,110	-1,488
Comprehensive Loss	'	'	'	'
Change in unrealized gain (loss) on securities, net of tax	-45	25	-173	57
Less: reclassification adjustments for securities' gain realized in net income, net of taxes	'	'	2	'
Comprehensive Loss	($692)	($488)	($1,970)	($1,131)
Earnings (Loss) Per Share	'	'	'	'
Basic	($1.87)	($1.54)	($5.24)	($3.72)
Diluted	($1.87)	($1.54)	($5.24)	($3.72)

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash Flows From Operating Activities	'	'
Net Loss	($1,799)	($1,188)
Adjustments to reconcile net loss to net cash from operating activities	'	'
Depreciation and amortization	801	802
Provision for loan loss	437	58
Write down on foreclosed assets	499	1,203
Gain on sale of foreclosed assets	-44	-147
Mortgage loans originated for sale	-45,201	-34,955
Proceeds from sale of mortgage loans	46,767	33,926
Gain on sale of available for sale securities	-3	-9
Gain on sale of mortgage loans	-1,624	-1,170
Net change in:	'	'
Deferred loan fees	-16	-36
Accrued interest receivable	59	-20
Other assets	2,648	1,032
Accrued expenses and other liabilities	-70	117
Net cash provided by (used in) operating activities	2,454	-387
Activity in available for sale securities:	'	'
Purchases	-2,980	-2,008
Proceeds from sale of securities	80	254
Proceeds from maturities of securities	2,258	1,967
Activity in held to maturity securities:	'	'
Purchases	-248	'
Proceeds from maturities of securities	245	'
Loan originations and principal collections, net	12,247	10,437
Proceeds from sale of foreclosed assets	1,562	3,038
Purchase of premises and equipment	-219	-349
Net cash provided by investing activities	12,945	13,339
Cash Flows From Financing Activities	'	'
Net increase in deposits	-13,147	264
Dividends paid	'	-300
Repayment of FHLB advances	-7,000	-13,000
Net cash used in financing activities	-20,147	-13,036
Net decrease in Cash and Cash Equivalents	-4,748	-84
Cash and Cash Equivalents - Beginning	28,744	24,111
Cash and Cash Equivalents - End	23,996	24,027
Cash paid for:	'	'
Interest	922	1,638
Noncash investing activities:	'	'
Loans transferred to foreclosed assets	$1,583	$1,437

Summary_Of_Significant_Account

Summary Of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2013
Summary Of Significant Accounting Policies	'
Summary Of Significant Accounting Policies	'
	NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	ORGANIZATION
	Monarch Community Bancorp, Inc. (the “Corporation”) was incorporated in 2002 under Maryland law to hold all of the common stock of Monarch Community Bank (the “Bank”), formerly known as Branch County Federal Savings and Loan Association. The Bank converted to a stock savings institution effective August 29, 2002. In connection with the conversion, the Corporation sold 2,314,375 shares of its common stock in a subscription offering. On May 28, 2013, the Corporation completed a one for five reverse split of its common stock.
	Monarch Community Bank is headquartered in Coldwater, Michigan and operates five full service retail offices in Branch, Calhoun and Hillsdale Counties and nine loan production offices in Kalamazoo, Calhoun, Berrien, Ingham, Lenawee, Kent, Livingston and Jackson Counties in Michigan and one in Steuben County, Indiana. The Bank operates five full service offices. The Bank owns 100% of First Insurance Agency. First Insurance Agency is a licensed insurance agency established to allow for the receipt of fees on insurance services provided to the Bank’s customers. The Bank also owns a 24.98% interest in a limited partnership formed to construct and operate multi-family housing units.
	BASIS OF PRESENTATION
	The condensed consolidated financial statements of the Corporation include the accounts of Monarch Community Bank and First Insurance Agency. All significant intercompany balances and transactions have been eliminated in consolidation. The condensed consolidated financial statements for interim periods are unaudited; however, in the opinion of the Corporation’s management, all adjustments, consisting only of normal recurring accruals, necessary for a fair presentation of the Corporation’s financial position and results of operations have been included.
	The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements. Actual results could differ from those estimates and assumptions.
	The accompanying financial statements have been prepared in accordance with the instructions for Form 10-Q and, therefore, do not include all information and footnotes required by generally accepted accounting principles in annual consolidated financial statements. These condensed consolidated financial statements should be read in conjunction with the Corporation’s Form 10-K for the year ended December 31, 2012 filed with the Securities and Exchange Commission.
	The results of operations for the nine month period ended September 30, 2013 are not necessarily indicative of the results to be expected for the full year period.
	ALLOWANCE FOR LOAN LOSSES
	The appropriateness of the allowance for loan losses is reviewed by management based upon our evaluation of then-existing economic and business conditions affecting our key lending areas and other conditions, such as credit quality trends (including trends in delinquencies, nonperforming loans and foreclosed assets expected to result from existing conditions), collateral values, loan volumes and concentrations, specific industry conditions within portfolio segments and recent loss experience in particular segments of the portfolio that existed as of the balance sheet date and the impact that these conditions were believed to have had on the collectability of the loan. Senior management reviews these conditions at least quarterly.
	To the extent that any of these conditions is evidenced by a specifically identifiable problem credit or portfolio segment as of the evaluation date, management’s estimate of the effect of this condition may be reflected as a specific allowance applicable to this credit or portfolio segment. The specific components as mentioned, which relate to identifiable problem credits, are loans classified as doubtful, substandard or special mention. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows, collateral value or observable market price of the impaired loan is lower than the carrying value of the loan.
	The allowance also consists of general and unallocated components. The general component covers non-classified loans and is based on historical loss experience. Actual losses, which cover an eighteen month historical period, are carried at a weighted average with the most recent nine months weighted 60% and the later weighted 40%. Our methodology as described permits adjustments to any loss factor used in the computation of the formula allowance in the event that, in management’s judgment, significant factors which affect the collectability of the portfolio as of the evaluation date are not reflected in the loss factors. Management estimates probable losses by evaluating quantitative and qualitative factors for each loan portfolio segment, including net charge-off trends, internal risk ratings, changes in internal risk ratings, loss forecasts, collateral values, geographic location, delinquency rates, nonperforming and restructured loans, origination channel, product mix, underwriting practices, industry conditions, and economic trends.
	As of September 30, 2013 the residential loan historical loss ratios were increased by .08% to 1.39% based on the particular segment. Multi-family real estate loan historical loss ratios were increased by .32% to 1.32%. All other commercial real estate loan historical loss ratios were increased 1.13% to 1.53%. Construction loan historical loss ratios were increased by .12% to .58%, consumer loan historical loss ratios by .50% to .60%, commercial and industrial loan historical loss ratios by .28% to 1.57% and home equity lines of credit historical loss ratios by .03% to 1.34%. As of September 30, 2013, 20% of the allowance for loan loss reserve was attributable to adjustments to the loss factors. Adjustments were made to the loss factors in the third quarter of 2013 largely due to the segmentation of loans classified as special mention and substandard (but not impaired) in several categories of the loan portfolio. By assessing the estimated losses inherent in the loan portfolio on a quarterly basis, we are able to adjust specific and inherent loss estimates based upon any more recent information that has become available.
	The unallocated component is maintained to cover uncertainties that could affect management’s estimates of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
	RECLASSIFICATIONS
	Certain 2012 amounts have been reclassified to conform to the 2013 presentation.

Securities

Securities	9 Months Ended
	Sep. 30, 2013
Securities	'
Securities	'
	NOTE 2 - SECURITIES
	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands):
		Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Estimated Market Value
	30-Sep-13
	Available-for-sale securities:
	Collateralized Mortgage obligations	$	5,416	$	27		$	(51	)	$	5,392
	U.S. government agency obligations		2,004		9			(31	)		1,982
	Mortgage-backed securities		470		32						502
	Obligations of states and political subdivisions		2,562		—			(63	)		2,499
	Total available-for-sale securities	$	10,452	$	68		$	(145	)	$	10,375
		Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Estimated Market Value
	31-Dec-12
	Available-for-sale securities:
	Collateralized Mortgage obligations	$	6,586	$	113		$	—		$	6,699
	U.S. government agency obligations		2,007		24			—			2,031
	Mortgage-backed securities		609		44						653
	Obligations of states and political subdivisions		660		4			—			664
	Total available-for-sale securities	$	9,862	$	185		$	—		$	10,047
	Proceeds from sales of securities available for sale were $80,000 for the nine months ended September 30, 2013 and $254,000 for the nine months ended September 30, 2012. Gross realized gains were $3,301 and gross realized losses were $0 on the sales of investment securities for the nine months ended September 30, 2013 and gross realized gains were $9,459 and gross realized losses were $0 on the sales of investment securities for the nine months ended September 30, 2012.
	The amortized cost and fair value of securities available for sale at September 30, 2013 by contractual maturity follow (dollars in thousands). The actual maturity may differ from the contractual maturity because issuers may have a right to call or prepay obligations.
		30-Sep-13
		Available for Sale Securities
		Amortized		Fair
		Cost		Value
		(Dollars in Thousands)
	Due in one year or less	$	—	$	—
	Due from one to five years		2,372		2,364
	Due from five to ten years		2,194		2,117
	Due after ten years		—		—
	Total		4,566		4,481
	Mortgage-backed securities		470		502
	CMO Securities		5,416		5,392
	Total available-for-sale securities	$	10,452	$	10,375
	Other-Than Temporary-Impairment
	Our portfolio of available for sale securities is reviewed quarterly for other-than-temporary-impairment (OTTI) in value. In performing this review many factors are considered including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near term prospect of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether management intends to sell the security, or it is more likely than not that management will be required to sell the security at a loss before anticipated recovery.
	Management determined that there were no securities with OTTI at September 30, 2013.
	The following table shows the gross unrealized losses and the fair value of the Company’s investments, aggregated by the investment category and length of time that individual securities have been in a continuous unrealized loss position. As of September 30, 2013 11 securities were in a loss position. There were no securities in an unrealized loss position at December 31, 2012.
		Less than 12 Months					12 Months or More					Total
	30-Sep-13	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses		Fair Value		Unrealized Losses
	Collateralized Mortgage obligations	$	2,128	$	(51	)	$	—		$	—	$	2,128	$	(51	)
	U.S. government agency obligations		967		(31	)		—			—		967		(31	)
	Obligations of states and political subdivisions		2,499		(63	)		—			—		2,499		(63	)
	Total available-for-sale securities	$	5,594	$	(145	)	$	—		$	—	$	5,594	$	(145	)

Earnings_Per_Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2013
Earnings (Loss) Per Share	'
Earnings Per Share	'
	NOTE 3 - EARNINGS PER SHARE
	A reconciliation of the numerators and denominators used in the computation of the basic earnings per share and diluted earnings per share is presented below (000s omitted except per share data). The share numbers reflect a one-for-five reverse stock split effective May 28, 2013.
		Three Months			Three Months			Nine Months			Nine Months
		Ended			Ended			Ended			Ended
		September 30, 2013			30-Sep-12			30-Sep-13			30-Sep-12
	Basic earnings per share
	Numerator:
	Net income	$	(647	)	$	(513	)	$	(1,799	)	$	(1,188	)
	Dividends and amortization of discount on preferred stock		107			102			311			300
	Net (Loss) allocated to common stock		(754	)		(615	)		(2,110	)		(1,488	)
	Denominator:
	Weighted average common shares outstanding		410			410			410			410
	Less: Average unallocated ESOP shares		(7	)		(9	)		(7	)		(9	)
	Less: Average non-vested RRP shares		—			—			—			—
	Weighted average common shares outstanding for basic earnings (loss)  per share		403			401			403			401
	Basic earnings (loss) per share		(1.87	)		(1.54	)		(5.24	)		(3.72	)
	Diluted earnings per share
	Numerator:
	Net (Loss) allocated to common stock		(754	)		(615	)		(2,110	)		(1,488	)
	Denominator:
	Weighted average common shares outstanding for basic earnings per share		403			401			403			401
	Add: Dilutive effects of restricted stock, stock options and warrants		—			—			—			—
	Weighted average common shares and dilutive potential common shares outstanding		403			401			403			401
	Diluted earnings (loss) per share	$	(1.87	)	$	(1.54	)	$	(5.24	)	$	(3.72	)

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Fair Value Measurements	'
	NOTE 4 - FAIR VALUE MEASUREMENTS
	In general, fair values determined by Level 1 inputs use quoted prices in active markets for identical assets or liabilities that the Corporation has the ability to access.
	Fair values determined by Level 2 inputs use other inputs that are observable, either directly or indirectly. These Level 2 inputs include quoted prices for similar assets and liabilities in active markets, and other inputs such as interest rates and yield curves that are observable at commonly quoted intervals.
	Level 3 inputs are unobservable inputs, including inputs that are available in situations where there is little, if any, market activity for the related asset or liability.
	In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation. The Corporation’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset or liability.
	The following table presents information about the Corporation’s assets and liabilities measured at fair value on a recurring basis at September 30, 2013, and December 31, 2012, and the valuation techniques used by the Corporation to determine those fair values. Investment securities with fair value determined by Level 2 inputs include mortgage backed securities, collateralized mortgage obligations, obligations of states and political subdivisions and U.S Government Agency obligations.
		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs		Balance at September 30, 2013
		(Level 1)		(Level 2)		(Level 3)
	Assets:
	Investment Securities
	Collateralized Mortgage obligations	$	—	$	5,392	$	—	$	5,392
	U.S. government agency obligations		—		1,982		—		1,982
	Mortgage-backed securities		—		502		—		502
	Obligations of states and political subdivisions		—		2,499		—		2,499
		$	—	$	10,375	$	—	$	10,375
		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs		Balance at December 31, 2012
		(Level 1)		(Level 2)		(Level 3)
	Assets:
	Investment Securities
	Collateralized Mortgage obligations	$	—	$	6,699	$	—	$	6,699
	U.S. government agency obligations		—		2,031		—		2,031
	Mortgage-backed securities		—		653		—		653
	Obligations of states and political subdivisions		—		664		—		664
		$	—	$	10,047	$	—	$	10,047
	The Corporation also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets include loans and foreclosed assets. These assets are not measured at fair value on an ongoing basis, but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). Adjustments in 2013 and 2012 to the impaired loans were recorded as additional allocations to the allowance for loan and lease losses. Adjustments in 2013 and 2012 to foreclosed assets were recorded as additional allocations to the allowance for loan and lease losses. The following table presents the Corporation’s assets at fair value on a nonrecurring basis as of September 30, 2013 and December 31, 2012 (000s omitted):
		Assets Measured at Fair Value on  a Nonrecurring Basis
		Balance at September 30, 2013		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
				(Level 1)		(Level 2)		(Level 3)
	Impaired Loans accounted for under FASB ASC 310		10,645		—		—		10,645
	Foreclosed Assets		810		—		—		810
		Assets Measured at Fair Value on  a Nonrecurring Basis
		Balance at December 31, 2012		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
				(Level 1)		(Level 2)		(Level 3)
	Impaired Loans accounted for under FASB ASC 310		13,347		—		—		13,347
	Foreclosed Assets		1,244		—		—		1,244
	The fair value of impaired loans is estimated using either discounted cash flows or collateral value. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Impaired loans where a specific reserve is established based on the fair value of the collateral require classification in the fair value hierarchy. Impaired loans are categorized as level 3 assets because the values are based on available collateral (typically based on outside appraisals obtained at least annually) and discounted based on internal loan to value limits which typically range from 50% to 80% based on the collateral. Management reviews the impaired loans no less than quarterly for potential additional impairment and when there is little prospect of collecting principal or interest, loans or portions thereof may be charged off to the allowance for loan losses. Losses are recognized in the period a debt becomes uncollectible. The recognition of a loss does not mean that the loan has no recovery or salvage value, but rather it is not practical or desirable to defer writing off the loan even though a partial recovery may occur in the future. During the nine months ended September 30, 2013 the Corporation charged off $31,000 of impaired loans to the allowance for loan losses. The change in fair value of impaired loans is accounted for in the allowance for loan losses (see Note 6).
	Foreclosed assets, which include real estate owned and real estate in judgment and subject to redemption, acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value at the date of the foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are performed annually by management and the assets are carried at the lower of carrying amount or fair value less estimated selling expenses, which consist primarily of commissions that will be paid to an independent real estate agent upon sale of the property. The valuations consist of obtaining a broker price opinion or a new appraisal depending on the value of the asset. Revenue and expenses from operations and changes in the valuation allowance are included in net expenses from foreclosed assets. Assets held as real estate in judgment may be subject to redemption for a period of six to twelve months depending on the collateral, following the foreclosure sale. Assets may be redeemed by the borrower for the foreclosure sale price, accrued interest and foreclosure costs. Any asset redeemed would be treated as a paid off loan. As of September 30, 2013 the Corporation held 810,000 in foreclosed assets owned as a result of foreclosure or the acceptance of a deed in lieu and $1.2 million in foreclosed assets as of December 31, 2012. No assets were redeemed by borrowers in 2012 or in the first nine months of 2013.
	Fair Value of Financial Instruments
	The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Corporation's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Financial Accounting Standards Board (FASB), Accounting Standards Codification (ASC), FASB ASC 820-10-50, Fair Value Measurements and Disclosures, excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Corporation.
	The fair value of all financial instruments not discussed below (cash and cash equivalents, federal funds sold, Federal Home Loan Bank stock, accrued interest receivable, federal funds purchased and interest payable) are estimated to be equal to their carrying amounts as of September 30, 2013 and December 31, 2012. The following methods and assumptions were used by the Corporation in estimating fair value disclosures for financial instruments:
	Securities - Fair values for securities, excluding Federal Home Loan Bank stock, are based on quoted prices for similar assets and liabilities in active markets, and other inputs such as interest rates and yield curves that are observable at commonly quoted intervals.
	Mortgage Loans Held for Sale - Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices.
	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 other loans are estimated using discounted cash flow analyses using current market rates applied to the estimated life. Fair values for non-performing loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable.
	Deposit Liabilities - The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook 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 fair values of the Corporation's Federal Home Loan Bank advances are estimated using discounted cash flow analyses based on the Corporation's current incremental borrowing rates for similar types of borrowing arrangements.
	The estimated fair values, and related carrying or notional amounts, of the Corporation's financial instruments are as follows (000s omitted):
		30-Sep-13
		Carrying Amount		Level 1		Level 2		Level 3		Total Estimated Fair Value
	Assets:
	Cash and cash equivalents	$	23,996	$	23,996	$	—	$	—	$	23,996
	Certificates of Deposit		1,984		—		1,984		—		1,984
	Securities - Available for sale		10,375		—		10,375		—		10,375
	Other securities		3,370		—		3,370		—		3,370
	Loans and loans held for sale, net		115,733		—		—		120,135		120,135
	Liabilities:
	Deposits		156,313		—		157,116				157,116
	Federal Home Loan Bank advances	$	59	$	—	$	60			$	60
		31-Dec-12
		Carrying Amount		Level 1		Level 2		Level 3		Total Estimated Fair Value
	Assets:
	Cash and cash equivalents	$	28,744	$	28,744	$	—	$	—	$	28,744
	Certificates of Deposit		1,981		—		1,981		—		1,981
	Securities - Available for sale		10,047		—		10,047		—		10,047
Other securities		3,370		—		3,370		—		3,370
Loans and loans held for sale, net		130,045		—		—		134,944		134,944
Liabilities:
Deposits		169,460		—		171,129		—		171,129
Federal Home Loan Bank advances	$	7,059	$	—	$	7,194	$	—	$	7,194

Loans

Loans	9 Months Ended
	Sep. 30, 2013
Loans	'
Loans	'
	NOTE 5 - LOANS
	The following table presents information concerning the composition of our loan portfolio in dollar amounts and in percentages as of the dates indicated:
			30-Sep-13								31-Dec-12
			Amount				Percent				Amount				Percent
			(Dollars in thousands)
	Real Estate Loans:
	One-to-four family		$	61,101				51.57			$	69,043				52.6
	Multi-family			2,100				1.77				1,183				0.9
	Commercial			43,085				36.37				43,952				35.03
	Construction or development			2,490				2.1				3,446				1.08
	Total real estate loans			108,776				91.81				117,624				89.61
	Other loans:
	Consumer loans:
	Home equity			6,454				5.45				8,058				6.14
	Other			1,556				1.31				1,885				1.43
	Total consumer loans			8,010				6.76				9,943				7.57
	Commercial Business Loans			1,691				1.43				3,709				2.82
	Total other loans			9,701				8.19				13,652				10.39
	Total Loans			118,477				100	%			131,276				100	%
	Allowance for loan losses			2,994								3,035
	Less: Net deferred loan fees			229								241
	Total Loans, net		$	115,254							$	128,000
	Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. All loan classes on which principal or interest is in default for 90 days or more are put on nonaccrual status, unless there is sufficient documentation to conclude that the loan is well secured and in the process of collection. Loans will also be placed on nonaccrual status if the Bank cannot reasonably expect full and timely repayment. All nonaccrual loans are also deemed to be impaired unless they are residential loans whose status as nonaccrual loans is based solely on having reached 90 days past due, are in the process of collection, but whose status as well secured has not yet been established.
	A loan is considered impaired when it is probable that the Corporation will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the agreement. All impaired loans are also classified as nonaccrual loans unless they are deemed to be impaired solely due to their status as a troubled debt restructure and, 1) the borrower is not past due or, 2) there is verifiable adequate cash flow to support the restructured debt service or, 3) there is an adequate collateral valuation supporting the restructured loan.
	An age analysis of past due loans including nonaccrual loans, segregated by class of loans, as of September 30, 2013 and December 31, 2012 are as follows:
	30-Sep-13		30-59 Days Past Due				60-89 Days Past Due				Loans 90 Days or More Past Due				Total Past due Loans			Current Loans		Total Loans
	Commercial		$	—			$	—			$	273			$	273		$	1,418	$	1,691
	Commercial Real Estate:
	Multi-family			450				—				—				450			1,650		2,100
	Commercial Real Estate - other			414				—				277				691			42,394		43,085
	Consumer:
	Consumer - Helocs and other			128				—				24				152			7,858		8,010
	Residential:
	Residential - prime			1,074				653				468				2,195			45,588		47,783
	Residential - subprime			397				427				7				831			12,487		13,318
	Construction:
	Construction - prime			—				—				—				—			2,490		2,490
	Construction - subprime			—				—				—				—			—		—
	Total		$	2,463			$	1,080			$	1,049			$	4,592		$	113,885	$	118,477
	31-Dec-12		30-59 Days Past Due				60-89 Days Past Due				Loans 90 Days or More Past Due				Total Past due Loans			Current Loans		Total Loans
	Commercial		$	197			$	—			$	120			$	317		$	3,392	$	3,709
	Commercial Real Estate:
	Multi-family			450				—				—				450			733		1,183
	Commercial Real Estate - other			—				—				1,560				1,560			42,392		43,952
	Consumer:
	Consumer - Helocs and other			184				7				10				201			9,742		9,943
	Residential:
	Residential - prime			993				619				203				1,815			52,856		54,671
	Residential - subprime			702				236				113				1,051			13,321		14,372
	Construction:
	Construction - prime			98				—				—				98			2,880		2,978
	Construction - subprime			—				—				—				—			468		468
	Total		$	2,624			$	862			$	2,006			$	5,492		$	125,784	$	131,276
	All commercial loans will be assigned a risk rating by the Credit Analyst at inception. The risk rating system is composed of eight levels of quality and utilizes the following definitions.
	Risk Rating Scores by definition:
		1	Zero (0) Unclassified. Any loan which has not been assigned a classification.
		2	One (1) Excellent. A well structured credit relationship to an established borrower. Loans to entities with a strong financial condition and solid earnings history.
		3	Two (2) Above Average Quality. Loans to borrowers with a sound financial condition and positive trend in earnings.
		4	Three (3) Acceptable. Loans to entities with a satisfactory financial condition and further characterized by:
		·	Working capital adequate to support operations.
		·	Cash flow sufficient to pay debts as scheduled.
		·	Management experience and depth appear favorable.
		·	Debt to worth ratio of 2.50:1 or less.
	·	Acceptable sales and steady earning history.
	·	Industry outlook is stable.
	·	Loan structure within policy guidelines.
	·	Loan performing according to terms.
	·	If loan is secured, collateral is acceptable and loan is fully protected.
	5	Four (4) Average. Loans to entities which are considered bankable risks, although some signs of weaknesses are shown:
	·	Marginal liquidity and working capital.
	·	Short or unstable earnings history.
	·	Would include most start-up businesses.
	·	Would be enrolled in Small Business Administration or Michigan Strategic Fund programs.
	·	Occasional instances of trade slowness or repayment delinquency – may have been 10-30 days slow within the past 12 months.
	·	Management abilities are apparent yet unproven.
	·	Debt to worth ratio of 3.50 or less.
	·	Weakness in primary source of repayment with adequate secondary source of repayment.
	·	If secured, loan is protected but collateral is marginal.
	·	Industry outlook is uncertain; may be cyclical or highly competitive.
	·	Loan structure generally in accordance with policy.
	6	Five (5) Special Mention. Special Mention loans have potential weaknesses which may, if not checked or corrected, weaken the asset or inadequately protect the Bank’s credit position at some future date. Loans to entities that constitute an undue and unwarranted credit risk but not to the point of justifying or classification of substandard. The credit risk may be relatively minor yet constitute an unwarranted risk in light of the circumstances surrounding a specific loan. The following characteristics may apply:
	·	Downward trend in sales, profit levels and margins.
	·	Impaired working capital positions.
	·	Cash flow is strained in order to meet debt repayment.
	·	Loan delinquency (30-60 days) and overdrafts may occur.
	·	Management abilities are questionable.
	·	Highly leveraged, debt to worth ratio over 3.50:1.
	·	Industry conditions are weak.
	·	Inadequate or outdated financial information.
	·	Litigation pending against borrower.
	·	Loan may need to be restructured to improve collateral position and/or reduce payment amount.
	·	Collateral / guaranty offers limited protection.
	7	Six (6) Substandard. A substandard loan is inadequately protected by the current sound worth and repayment capacity of the borrower. Loans so classified must have a well-defined weakness that jeopardizes the liquidation of the debt. There is a distinct possibility that the Bank will implement collection procedures if the loan deficiencies are not corrected. The following characteristics may apply:
	·	Sustained losses have severely eroded the equity and cash flow.
	·	Deteriorating liquidity.
	·	Serious management problems.
	·	Chronic trade slowness; may be placed on COD by vendors.
	·	Likelihood of bankruptcy.
	·	Inability to access other funding sources.
	·	Reliance on secondary source of repayment.
	·	Interest non-accrual may be warranted.
	·	Collateral provided is of little or no value.
	·	Repayment dependent upon the liquidation of non-current assets.
	·	Repayment may require litigation.
	8	Seven (7) Doubtful. A doubtful loan has all the weakness inherent in a substandard loan with the added characteristic that collection and/or liquidation is pending. Loans or portions of loans with one or more weaknesses which, on the basis of currently existing facts, conditions, and values, makes ultimate collection of all principal highly questionable. The possibility of loss is high and specific loan loss reserve allocations should be made or charge offs taken on anticipated collateral shortfalls. However, the amount or the certainty of eventual loss may not allow for a specific reserve or charge off because of specific pending factors. Pending factors include proposed merger or acquisition, completion or liquidation in progress, injection of new capital in progress, refinancing plans in progress, etc. “Pending Factors” not resolved after six months must be disregarded. The following characteristics may apply:
	·	Normal operations are severely diminished or have ceased.
	·	Seriously impaired cash flow.
	·	Secondary source of repayment is inadequate.
	·	Survivability as a “going concern” is impossible.
	·	Placement on interest non-accrual
	·	Collection process has begun.
	·	Bankruptcy petition has been filed.
	·	Judgments have been filed.
	·	Portion of the loan balance has been charged-off.
	9	Eight (8) Loss. Loans classified loss are considered uncollectible and of such little value that their continuance as bankable asset is not warranted. This classification is for charged-off loans but does not mean that the asset has absolutely no recovery or salvage value. Further characterized by:
	·	Liquidation or reorganization under bankruptcy, with poor prospects of collection.
	·	Fraudulently overstated assets and/or earnings.
	·	Collateral has marginal or no value.
	·	Debtor cannot be located.
The following table represents the risk category of loans by class based on the analysis performed as of September 30, 2013 and December 31, 2012 (in thousands):
								30-Sep-13
Credit Rating					Commercial				Commercial Real Estate Multi-family				Commercial Real Estate Other
0				$	—			$	28			$	312
2-Jan					—				—				493
3					236				778				7,060
4					1,042				844				22,999
5					50				—				8,787
6					363				450				3,434
7					—				—				—
	Total			$	1,691			$	2,100			$	43,085
									31-Dec-12
					Commercial				Commercial Real Estate Multi-family				Commercial Real Estate Other
0				$	—			$	31			$	314
2-Jan					—				—				6
3					521				—				2,890
4					2,610				601				24,564
5					163				101				2,135
6					415				450				14,043
7					—				—				—
	Total			$	3,709			$	1,183			$	43,952
For consumer residential real estate, and consumer loans, the Corporation also evaluates credit quality based on the aging status of the loan which was previously stated, and by payment activity. The following tables present the recorded investment in those classes based on payment activity and assigned grades as of September 30, 2013 and December 31, 2012.
		30-Sep-13
		Residential - Prime				Residential - Subprime
Grade
Pass		$	46,744			$	12,990
Substandard			1,039				328
Total		$	47,783			$	13,318
						Consumer - Helocs and other
Performing						$	7,903
Nonperforming							107
Total						$	8,010
						Construction
Performing						$	2,490
Nonperforming							—
Total						$	2,490
		31-Dec-12
		Residential - Prime				Residential - Subprime
Grade
Pass		$	54,026			$	14,107
Substandard			645				265
Total		$	54,671			$	14,372
						Consumer - Helocs and other
Performing						$	9,832
Nonperforming							111
Total						$	9,943
						Construction
Performing						$	3,428
Nonperforming							18
Total						$	3,446
The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2013 and December 31, 2012 (in thousands).
30-Sep-13
		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial		$	273			$	350			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—
Commercial Real Estate - other			4,015				6,104				—
Consumer:
Consumer - Helocs and other			—				—				—
Residential:
Residential - prime			—				—				—
Residential - subprime			—				—				—
Construction:
Construction - prime			—				—				—
Construction - subprime			—				—				—
With an allowance recorded:
Commercial			49				49				—
Commercial Real Estate:
Commercial Real Estate - Multi-family			450				464				63
Commercial Real Estate - other			4,175				4,175				35
Consumer:
Consumer - Helocs and others			—				—				—
Residential:
Residential - prime			1,576				1,614				195
Residential - subprime			—				—				—
Construction:
Construction - prime			446				446				45
Construction - subprime			—				—				—
Total
Commercial		$	9,408			$	11,588			$	143
Consumer		$	—			$	—			$	—
Residential		$	1,576			$	1,614			$	195
31-Dec-12
		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial		$	315			$	382			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—
Commercial Real Estate - other			10,724				16,429				—
Consumer:
Consumer - Helocs and others			—				—				—
Residential:
Residential - prime			62				78				—
Residential - subprime			—				—				—
Construction:
Construction - prime			—				—				—
Construction - subprime			—				—				—
With an allowance recorded:
Commercial			50				50				5
Commercial Real Estate:
Commercial Real Estate - Multi-family			450				464				71
Commercial Real Estate - other			107				107				25
Consumer:
Consumer - Helocs and others			—				—				—
Residential:
Residential - prime			1,790				1,820				313
Residential - subprime			—				—				—
Construction:
Construction - prime			301				301				38
Construction - subprime			—				—				—
Total
Commercial		$	11,947			$	17,733			$	139
Consumer		$	—			$	—			$	—
Residential		$	1,852			$	1,898			$	313
The following table presents loans individually evaluated for impairment by class of loans for the three months ended September 30, 2013 and September 30, 2012 (in thousands).
		Three Months Ended								Three Months Ended
		30-Sep-13								30-Sep-12
		Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income
With no related allowance recorded:
Commercial		$	358			$	—			$	386			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—				—
Commercial Real Estate - other			6,114				60				14,762				60
Consumer:
Consumer - Helocs and other			—				—				—				—
Residential:
Residential - prime			—				—				—				—
Residential - subprime			—				—				—				—
With an allowance recorded:
Commercial			49				1				53				1
Commercial Real Estate:
Commercial Real Estate - Multi-family			464				6				464				6
Commercial Real Estate - other			4,183				42				1,826				—
Consumer:
Consumer - Helocs and others			—				—				—				—
Residential:
Residential - prime			1,619				19				1,903				5
Residential - subprime			—				—				—				—
Construction:
Construction - prime			448				5				306				3
Construction - subprime			—				—				—				—
Total
Commercial		$	11,616			$	114			$	17,797			$	70
Consumer		$	—			$	—			$	—			$	—
Residential		$	1,619			$	19			$	1,903			$	5
The following table presents loans individually evaluated for impairment by class of loans for the nine months ended September 30, 2013 and September 30, 2012 (in thousands).
		Nine Months Ended								Nine Months Ended
		30-Sep-13								30-Sep-12
		Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income
With no related allowance recorded:
Commercial		$	371			$	—			$	390			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—				—
Commercial Real Estate - other			6,138				179				14,754				179
Consumer:
Consumer - Helocs and other			—				—				—				—
Residential:
Residential - prime			—				—				—				—
Residential - subprime			—				—				—				—
With an allowance recorded:
Commercial			49				2				54				2
Commercial Real Estate:
Commercial Real Estate - Multi-family			464				17				465				17
Commercial Real Estate - other			4,208				126				1,828				—
Consumer:
Consumer - Helocs and others			—				—				—				—
Residential:
Residential - prime			1,648				57				1,869				17
Residential - subprime			—				—				—				—
Construction:
Construction - prime			452				15				310				9
Construction - subprime			—				—				—				—
Total
Commercial		$	11,682			$	339			$	17,801			$	207
Consumer		$	—			$	—			$	—			$	—
Residential		$	1,648			$	57			$	1,869			$	17
Payments received on loans in nonaccrual status are typically applied to reduce the recorded investment in the asset. While a loan is in nonaccrual status, some or all of the cash interest payments received may be treated as interest income on a cash basis as long as the remaining recorded investment in the asset (i.e., after charge-off of identified losses, if any) is deemed to be fully collectible. The following presents, by class, the recorded investment in loans and leases on non-accrual status as of September 30, 2013 and December 31, 2012.
Loans on Nonaccrual Status
		30-Sep-13
Commercial		$	273
Commercial real estate:
Commercial Real Estate - multi-family			—
Commercial Real Estate - other			276
Consumer:
Consumer - Helocs and other			24
Residential:
Residential - prime			1,121
Residential - subprime			603
Construction
Construction - prime			—
Construction - subprime			—
Total		$	2,297
Financing Receivables on Nonaccrual Status
		31-Dec-12
Commercial		$	316
Commercial real estate:
Commercial Real Estate - multi-family			—
Commercial Real Estate - other			5,008
Consumer:
Consumer - Helocs and other			9
Residential:
Residential - prime			2,108
Residential - subprime			329
Construction
Construction - prime			—
Construction - subprime			—
Total		$	7,770
Loans in which the Bank elects to grant a concession, providing terms more favorable than those prevalent in the market (e.g., rate, amortization term), and are formally restructured due to the weakening credit status of a borrower are reported as troubled debt restructure (TDR). All other modifications in which the new terms are at current market conditions and are granted to clients due to competitive pressures and because of the customer’s favorable past and current performance and credit risk do not constitute a TDR loan and are not monitored.
In order to maximize the collection of loan balances, we evaluate troubled loans on a case-by-case basis to determine if a loan modification would be appropriate. We pursue loan modifications when there is a reasonable chance that an appropriate modification would allow our client to continue servicing the debt. For loans secured by either commercial or residential real estate, if the client demonstrates a loss of income such that the client cannot reasonably support even a modified loan, we may pursue foreclosure, short sales and/or deed-in-lieu arrangements. For all troubled loans, we review a number of factors, including cash flows, loan structures, collateral values, and guarantees. Based on our review of these factors and our assessment of overall risk, we evaluate the benefits of renegotiating the terms of the loans so that they have a higher likelihood of continuing to perform. To date, we have restructured loans in a variety of ways to help our clients service their debt and to mitigate the potential for additional losses. The primary restructuring methods being offered to our clients are reductions in interest rates and extensions in terms. Loans that, after being restructured, remain in compliance with their modified terms and whose modified interest rate yielded a market rate at the time the loan was restructured, are reviewed annually and may be reclassified as non-TDR, provided they conform with the prevailing regulatory criteria. As of September 30, 2013 there have been no loans in which the TDR designation has been removed.
The following table represents the modifications completed during the three months ended September 30, 2013 and 2012.
		Modifications
		Three Months Ended September 30, 2013
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial			—				—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—				—
Commercial Real Estate - other			—				—				—
Consumer:
Consumer - Heloc and other			—				—				—
Residential:
Residential - prime			—				—				—
Residential - subprime			—				—				—
Construction
Construction - prime			—				—				—
Construction - subprime			—				—				—
Total			—			$	—			$	—
		Modifications
		Three Months Ended September 30, 2012
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial			—				—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—				—
Commercial Real Estate - other			—				—				—
Consumer:
Consumer - Heloc and other			—				—				—
Residential:
Residential - prime			—				—				—
Residential - subprime			—				—				—
Construction
Construction - prime			1				158				157
Construction - subprime			1				44				46
Total			2			$	202			$	203
The following table represents the modifications completed during the nine months ended September 30, 2013 and 2012.
		Modifications
		Nine Months Ended September 30, 2013
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial			—				—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—				—
Commercial Real Estate - other			1				212				212
Consumer:
Consumer - Heloc and other			—				—				—
Residential:
Residential - prime			6				861				860
Residential - subprime			5				217				217
Construction
Construction - prime			—				—				—
Construction - subprime			—				—				—
Total			12			$	1,290			$	1,289
		Modifications
		Nine Months Ended September 30, 2012
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial			1				50				50
Commercial real estate:
Commercial Real Estate - multi-family			—				—				—
Commercial Real Estate - other			—				—				—
Consumer:
Consumer - Heloc and other			—				—				—
Residential:
Residential - prime			6				862				865
Residential - subprime			—				—				—
Construction
Construction - prime			1				158				157
Construction - subprime			1				44				46
Total			9			$	1,114			$	1,118
Troubled debt restructured loans which had payment defaults during the three months ended September 30, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.
		Modifications That
		Subsequently Defaulted
		Three Months Ended September 30, 2013
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			—				—
Consumer:
Consumer - Heloc and other			—				—
Residential:
Residential - prime			—				—
Residential - subprime			—				—
Construction
Construction - prime			—				—
Construction - subprime			—				—
			—			$	—
		Modifications That
		Subsequently Defaulted
		Three Months Ended September 30, 2012
		Number of Contracts					Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				2,534
Consumer:
Consumer - Heloc and other			3				54
Residential:
Residential - prime			2				143
Residential - subprime			8				350
Construction
Construction - prime			—				—
Construction - subprime			—				—
			14			$	3,081
Troubled debt restructured loans which had payment defaults during the nine months ended September 30, 2013 and 2012, segregated by class, are shown in the table below.
		Modifications That
		Subsequently Defaulted
		Nine Months Ended September 30, 2013
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				212
Consumer:
Consumer - Heloc and other			—				—
Residential:
Residential - prime			—				—
Residential - subprime			—				—
Construction
Construction - prime			—				—
Construction - subprime			—				—
			1			$	212
		Modifications That
		Subsequently Defaulted
		Nine Months Ended September 30, 2012
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				2,534
Consumer:
Consumer - Heloc and other			4				56
Residential:
Residential - prime			4				241
Residential - subprime			8				350
Construction
Construction - prime			—				—
Construction - subprime			—				—
			17			$	3,181
All TDR loans are considered impaired. When individually evaluating loans for impairment, we may measure impairment using (1) the present value of expected future cash flows discounted at the loan’s effective interest rate (i.e., the contractual interest rate adjusted for any net deferred loan fees or costs, premium, or discount existing at the origination or acquisition of the loan), (2) the loan’s observable market price, or (3) the fair value of the collateral. If the present value of expected future cash flows discounted at the loan’s effective interest rate is used as the means of measuring impairment the change in the present value attributable to the passage time is recognized as bad-debt expense. As previously mentioned all impaired loans are also classified as nonaccrual loans unless they are deemed to be impaired solely due to their status as a troubled debt restructure and, 1) the borrower is not past due or, 2) there is verifiable adequate cash flow to support the restructured debt service or, 3) there is an adequate collateral valuation supporting the restructured loan. Nonaccruing TDR loans that demonstrate a history of repayment performance in accordance with their modified terms are reclassified to accruing restructured status, typically after six months of repayment performance and are supported by a current credit evaluation of the borrower’s financial condition and expectations for repayment under the revised terms. We do not have any outstanding commitments to borrowers with loans classified as TDR loans.

Allowance_For_Loan_Losses

Allowance For Loan Losses	9 Months Ended
	Sep. 30, 2013
Multi Family [Member]	'
Allowance For Loan Losses	'
	NOTE 6 - ALLOWANCE FOR LOAN LOSSES
	Analysis related to the allowance for credit losses (in thousands) for the three months ended September 30, 2013 and 2012 is as follows:
	For the Three Months Ended September 30, 2013
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	9		$	599		$	76		$	189		$	1,357		$	463		$	51		$	2,744
	Charge-Offs		—			—			—			(56	)		(105	)		(149	)		—			(310	)
	Recoveries		3			466			—			36			1			4			—			510
	Provision		(3	)		(501	)		8			73			143			312			18			50
	Ending Balance		9			564			84			242			1,396			630			69			2,994
	Ending Balance: individually evaluated for impairment		—			35			63			—			195			—			45			338
	Ending Balance: collectively evaluated for impairment	$	9		$	529		$	21		$	242		$	1,201		$	630		$	24		$	2,656
	For the Three Months Ended September 30, 2012
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	17		$	933		$	128		$	223		$	1,670		$	707		$	88		$	3,766
	Charge-Offs		—			(48	)		—			(76	)		(101	)		(48	)		—			(273	)
	Recoveries		3			12			1			50			1			—			—			67
	Provision		(1	)		67			(45	)		(30	)		104			(87	)		(3	)		5
	Ending Balance		19			964			84			167			1,674			572			85			3,565
	Ending Balance: individually evaluated for impairment		—			130			49			—			406			—			35			620
	Ending Balance: collectively evaluated for impairment	$	19		$	834		$	35		$	167		$	1,268		$	572		$	50		$	2,945
	Analysis related to the allowance for credit losses (in thousands) for the nine months ended September 30, 2013 and 2012 is as follows:
	For the Nine Months Ended September. 30, 2013
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	12		$	695		$	81		$	230		$	1,444		$	521		$	52		$	3,035
	Charge-Offs		—			(121	)		—			(273	)		(513	)		(272	)		—			(1,179	)
	Recoveries		5			496			1			148			43			8			—			701
	Provision		(8	)		(506	)		2			137			422			373			17			437
	Ending Balance		9			564			84			242			1,396			630			69			2,994
	Ending Balance: individually evaluated for impairment		—			35			63			—			195			—			45			338
	Ending Balance: collectively evaluated for impairment	$	9		$	529		$	21		$	242		$	1,201		$	630		$	24		$	2,656
	For the Nine Months Ended September 30, 2012
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	45		$	1,262		$	45		$	259		$	2,280		$	664		$	101		$	4,656
	Charge-Offs		—			(256	)		—			(213	)		(756	)		(170	)		—			(1,395	)
	Recoveries		6			39			1			177			20			3			—			246
	Provision		(32	)		(81	)		38			(56	)		130			75			(16	)		58
	Ending Balance		19			964			84			167			1,674			572			85			3,565
	Ending Balance: individually evaluated for impairment		—			130			49			—			406			—			35			620
	Ending Balance: collectively evaluated for impairment	$	19		$	834		$	35		$	167		$	1,268		$	572		$	50		$	2,945
	The allowance for loan losses was $3.0 million at September 30, 2013 representing 2.6% of total loans, compared to $3.0 million at December 31, 2012 or 2.4% of total loans. The allowance for loan losses to non-performing loans ratio was 130.4% at September 30, 2013 compared to 39.1% at December 31, 2012. At September 30, 2013 we believe that our allowance appropriately considers incurred losses in our loan portfolio.
	Analysis related to the allowance for financing receivables (in thousands) for the nine months ended September 30, 2013 and December 31, 2012 is as follows:
	As of
	30-Sep-13
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	LOANS
	Ending Balance	$	1,691		$	43,085		$	2,100		$	8,010		$	47,783		$	13,318		$	2,490		$	118,477
	Ending Balance: individually evaluated for impairment		322			8,190			450			—			1,576			—			446			10,984
	Ending Balance: collectively evaluated for impairment	$	1,369		$	34,895		$	1,650		$	8,010		$	46,207		$	13,318		$	2,044		$	107,493
	As of
	31-Dec-12
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	LOANS
	Ending Balance	$	3,709		$	43,952		$	1,183		$	9,943		$	54,671		$	14,372		$	3,446		$	131,276
	Ending Balance: individually evaluated for impairment		365			10,831			450			—			1,852			—			301			13,799
	Ending Balance: collectively evaluated for impairment	$	3,344		$	33,121		$	733		$	9,943		$	52,819		$	14,372		$	3,145		$	117,477
	The Corporation’s charge-off policy which meets regulatory minimums has not required any revisions during the third quarter of 2013. Losses on unsecured consumer loans are recognized at or before 120 days past due. Secured consumer loans, including residential real estate, are typically charged-off between 120 and 180 days past due, depending on the collateral type, in compliance with the FFIEC guidelines. Specific loan reserves are established based on credit and or collateral risks on an individual loan basis. When the probability for full repayment of a loan is unlikely the Bank will initiate a full charge-off or a partial write down of a loan based upon the status of the loan. Impaired loans or portions thereof are charged-off when deemed uncollectible. Loans that have been partially charged-off remain on nonperforming status, regardless of collateral value, until specific borrower performance criteria are met.

Summary_Of_Significant_Account1

Summary Of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2013
Summary Of Significant Accounting Policies Policies	'
Basis Of Presentation	'
	BASIS OF PRESENTATION
	The condensed consolidated financial statements of the Corporation include the accounts of Monarch Community Bank and First Insurance Agency. All significant intercompany balances and transactions have been eliminated in consolidation. The condensed consolidated financial statements for interim periods are unaudited; however, in the opinion of the Corporation’s management, all adjustments, consisting only of normal recurring accruals, necessary for a fair presentation of the Corporation’s financial position and results of operations have been included.
	The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements. Actual results could differ from those estimates and assumptions.
	The accompanying financial statements have been prepared in accordance with the instructions for Form 10-Q and, therefore, do not include all information and footnotes required by generally accepted accounting principles in annual consolidated financial statements. These condensed consolidated financial statements should be read in conjunction with the Corporation’s Form 10-K for the year ended December 31, 2012 filed with the Securities and Exchange Commission.
	The results of operations for the nine month period ended September 30, 2013 are not necessarily indicative of the results to be expected for the full year period.
Allowance For Loan Losses	'
	ALLOWANCE FOR LOAN LOSSES
	The appropriateness of the allowance for loan losses is reviewed by management based upon our evaluation of then-existing economic and business conditions affecting our key lending areas and other conditions, such as credit quality trends (including trends in delinquencies, nonperforming loans and foreclosed assets expected to result from existing conditions), collateral values, loan volumes and concentrations, specific industry conditions within portfolio segments and recent loss experience in particular segments of the portfolio that existed as of the balance sheet date and the impact that these conditions were believed to have had on the collectability of the loan. Senior management reviews these conditions at least quarterly.
	To the extent that any of these conditions is evidenced by a specifically identifiable problem credit or portfolio segment as of the evaluation date, management’s estimate of the effect of this condition may be reflected as a specific allowance applicable to this credit or portfolio segment. The specific components as mentioned, which relate to identifiable problem credits, are loans classified as doubtful, substandard or special mention. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows, collateral value or observable market price of the impaired loan is lower than the carrying value of the loan.
	The allowance also consists of general and unallocated components. The general component covers non-classified loans and is based on historical loss experience. Actual losses, which cover an eighteen month historical period, are carried at a weighted average with the most recent nine months weighted 60% and the later weighted 40%. Our methodology as described permits adjustments to any loss factor used in the computation of the formula allowance in the event that, in management’s judgment, significant factors which affect the collectability of the portfolio as of the evaluation date are not reflected in the loss factors. Management estimates probable losses by evaluating quantitative and qualitative factors for each loan portfolio segment, including net charge-off trends, internal risk ratings, changes in internal risk ratings, loss forecasts, collateral values, geographic location, delinquency rates, nonperforming and restructured loans, origination channel, product mix, underwriting practices, industry conditions, and economic trends.
	As of September 30, 2013 the residential loan historical loss ratios were increased by .08% to 1.39% based on the particular segment. Multi-family real estate loan historical loss ratios were increased by .32% to 1.32%. All other commercial real estate loan historical loss ratios were increased 1.13% to 1.53%. Construction loan historical loss ratios were increased by .12% to .58%, consumer loan historical loss ratios by .50% to .60%, commercial and industrial loan historical loss ratios by .28% to 1.57% and home equity lines of credit historical loss ratios by .03% to 1.34%. As of September 30, 2013, 20% of the allowance for loan loss reserve was attributable to adjustments to the loss factors. Adjustments were made to the loss factors in the third quarter of 2013 largely due to the segmentation of loans classified as special mention and substandard (but not impaired) in several categories of the loan portfolio. By assessing the estimated losses inherent in the loan portfolio on a quarterly basis, we are able to adjust specific and inherent loss estimates based upon any more recent information that has become available.
	The unallocated component is maintained to cover uncertainties that could affect management’s estimates of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
Reclassifications	'
	RECLASSIFICATIONS
	Certain 2012 amounts have been reclassified to conform to the 2013 presentation.

Securities_Tables

Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Securities Tables	'
Schedule Of Amortized Cost And Fair Value Of Securities	'
	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands):
		Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Estimated Market Value
	30-Sep-13
	Available-for-sale securities:
	Collateralized Mortgage obligations	$	5,416	$	27		$	(51	)	$	5,392
	U.S. government agency obligations		2,004		9			(31	)		1,982
	Mortgage-backed securities		470		32						502
	Obligations of states and political subdivisions		2,562		—			(63	)		2,499
	Total available-for-sale securities	$	10,452	$	68		$	(145	)	$	10,375
		Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Estimated Market Value
	31-Dec-12
	Available-for-sale securities:
	Collateralized Mortgage obligations	$	6,586	$	113		$	—		$	6,699
	U.S. government agency obligations		2,007		24			—			2,031
	Mortgage-backed securities		609		44						653
	Obligations of states and political subdivisions		660		4			—			664
	Total available-for-sale securities	$	9,862	$	185		$	—		$	10,047
Schedule Of Amortized Cost And Fair Value Of Securities Available For Sale by Contractual Maturity	'
	The amortized cost and fair value of securities available for sale at September 30, 2013 by contractual maturity follow (dollars in thousands). The actual maturity may differ from the contractual maturity because issuers may have a right to call or prepay obligations.
		30-Sep-13
		Available for Sale Securities
		Amortized		Fair
		Cost		Value
		(Dollars in Thousands)
	Due in one year or less	$	—	$	—
	Due from one to five years		2,372		2,364
	Due from five to ten years		2,194		2,117
	Due after ten years		—		—
	Total		4,566		4,481
	Mortgage-backed securities		470		502
	CMO Securities		5,416		5,392
	Total available-for-sale securities	$	10,452	$	10,375
Schedule of Securities in an Unrealized Loss Position	'
	The following table shows the gross unrealized losses and the fair value of the Company’s investments, aggregated by the investment category and length of time that individual securities have been in a continuous unrealized loss position. As of September 30, 2013 11 securities were in a loss position. There were no securities in an unrealized loss position at December 31, 2012.
		Less than 12 Months					12 Months or More					Total
	30-Sep-13	Fair Value		Unrealized Losses			Fair Value			Unrealized Losses		Fair Value		Unrealized Losses
	Collateralized Mortgage obligations	$	2,128	$	(51	)	$	—		$	—	$	2,128	$	(51	)
	U.S. government agency obligations		967		(31	)		—			—		967		(31	)
	Obligations of states and political subdivisions		2,499		(63	)		—			—		2,499		(63	)
	Total available-for-sale securities	$	5,594	$	(145	)	$	—		$	—	$	5,594	$	(145	)

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share Tables	'
Schedule of reconciliation of numerators and denominators in the computation of earnings per share	'
	A reconciliation of the numerators and denominators used in the computation of the basic earnings per share and diluted earnings per share is presented below (000s omitted except per share data). The share numbers reflect a one-for-five reverse stock split effective May 28, 2013.
		Three Months			Three Months			Nine Months			Nine Months
		Ended			Ended			Ended			Ended
		September 30, 2013			30-Sep-12			30-Sep-13			30-Sep-12
	Basic earnings per share
	Numerator:
	Net income	$	(647	)	$	(513	)	$	(1,799	)	$	(1,188	)
	Dividends and amortization of discount on preferred stock		107			102			311			300
	Net (Loss) allocated to common stock		(754	)		(615	)		(2,110	)		(1,488	)
	Denominator:
	Weighted average common shares outstanding		410			410			410			410
	Less: Average unallocated ESOP shares		(7	)		(9	)		(7	)		(9	)
	Less: Average non-vested RRP shares		—			—			—			—
	Weighted average common shares outstanding for basic earnings (loss)  per share		403			401			403			401
	Basic earnings (loss) per share		(1.87	)		(1.54	)		(5.24	)		(3.72	)
	Diluted earnings per share
	Numerator:
	Net (Loss) allocated to common stock		(754	)		(615	)		(2,110	)		(1,488	)
	Denominator:
	Weighted average common shares outstanding for basic earnings per share		403			401			403			401
	Add: Dilutive effects of restricted stock, stock options and warrants		—			—			—			—
	Weighted average common shares and dilutive potential common shares outstanding		403			401			403			401
	Diluted earnings (loss) per share	$	(1.87	)	$	(1.54	)	$	(5.24	)	$	(3.72	)

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements Tables	'
Schedule of assets at fair value measured on recurring basis	'
	The following table presents information about the Corporation’s assets and liabilities measured at fair value on a recurring basis at September 30, 2013, and December 31, 2012, and the valuation techniques used by the Corporation to determine those fair values. Investment securities with fair value determined by Level 2 inputs include mortgage backed securities, collateralized mortgage obligations, obligations of states and political subdivisions and U.S Government Agency obligations.
		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs		Balance at September 30, 2013
		(Level 1)		(Level 2)		(Level 3)
	Assets:
	Investment Securities
	Collateralized Mortgage obligations	$	—	$	5,392	$	—	$	5,392
	U.S. government agency obligations		—		1,982		—		1,982
	Mortgage-backed securities		—		502		—		502
	Obligations of states and political subdivisions		—		2,499		—		2,499
		$	—	$	10,375	$	—	$	10,375
		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs		Balance at December 31, 2012
		(Level 1)		(Level 2)		(Level 3)
	Assets:
	Investment Securities
	Collateralized Mortgage obligations	$	—	$	6,699	$	—	$	6,699
	U.S. government agency obligations		—		2,031		—		2,031
	Mortgage-backed securities		—		653		—		653
	Obligations of states and political subdivisions		—		664		—		664
		$	—	$	10,047	$	—	$	10,047
Schedule of assets at fair value measured on nonrecurring basis	'
	The following table presents the Corporation’s assets at fair value on a nonrecurring basis as of September 30, 2013 and December 31, 2012 (000s omitted):
		Assets Measured at Fair Value on  a Nonrecurring Basis
		Balance at September 30, 2013		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
				(Level 1)		(Level 2)		(Level 3)
	Impaired Loans accounted for under FASB ASC 310		10,645		—		—		10,645
	Foreclosed Assets		810		—		—		810
		Assets Measured at Fair Value on  a Nonrecurring Basis
		Balance at December 31, 2012		Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
				(Level 1)		(Level 2)		(Level 3)
	Impaired Loans accounted for under FASB ASC 310		13,347		—		—		13,347
	Foreclosed Assets		1,244		—		—		1,244
Schedule of estimated fair values and related carrying amounts of financial instruments	'
	The estimated fair values, and related carrying or notional amounts, of the Corporation's financial instruments are as follows (000s omitted):
		30-Sep-13
		Carrying Amount		Level 1		Level 2		Level 3		Total Estimated Fair Value
	Assets:
	Cash and cash equivalents	$	23,996	$	23,996	$	—	$	—	$	23,996
	Certificates of Deposit		1,984		—		1,984		—		1,984
	Securities - Available for sale		10,375		—		10,375		—		10,375
	Other securities		3,370		—		3,370		—		3,370
	Loans and loans held for sale, net		115,733		—		—		120,135		120,135
	Liabilities:
	Deposits		156,313		—		157,116				157,116
	Federal Home Loan Bank advances	$	59	$	—	$	60			$	60
		31-Dec-12
		Carrying Amount		Level 1		Level 2		Level 3		Total Estimated Fair Value
	Assets:
	Cash and cash equivalents	$	28,744	$	28,744	$	—	$	—	$	28,744
	Certificates of Deposit		1,981		—		1,981		—		1,981
	Securities - Available for sale		10,047		—		10,047		—		10,047
	Other securities		3,370		—		3,370		—		3,370
	Loans and loans held for sale, net		130,045		—		—		134,944		134,944
	Liabilities:
	Deposits		169,460		—		171,129		—		171,129
	Federal Home Loan Bank advances	$	7,059	$	—	$	7,194	$	—	$	7,194

Loans_Tables

Loans (Tables)	9 Months Ended
	Sep. 30, 2013
Loans Tables	'
Schedule Of Composition Of Loan Portfolio	'
	The following table presents information concerning the composition of our loan portfolio in dollar amounts and in percentages as of the dates indicated:
			30-Sep-13								31-Dec-12
			Amount				Percent				Amount				Percent
			(Dollars in thousands)
	Real Estate Loans:
	One-to-four family		$	61,101				51.57			$	69,043				52.6
	Multi-family			2,100				1.77				1,183				0.9
	Commercial			43,085				36.37				43,952				35.03
	Construction or development			2,490				2.1				3,446				1.08
	Total real estate loans			108,776				91.81				117,624				89.61
	Other loans:
	Consumer loans:
	Home equity			6,454				5.45				8,058				6.14
	Other			1,556				1.31				1,885				1.43
	Total consumer loans			8,010				6.76				9,943				7.57
	Commercial Business Loans			1,691				1.43				3,709				2.82
	Total other loans			9,701				8.19				13,652				10.39
	Total Loans			118,477				100	%			131,276				100	%
	Allowance for loan losses			2,994								3,035
	Less: Net deferred loan fees			229								241
	Total Loans, net		$	115,254							$	128,000
Schedule of aging analysis of Loans	'
	An age analysis of past due loans including nonaccrual loans, segregated by class of loans, as of September 30, 2013 and December 31, 2012 are as follows:
	30-Sep-13		30-59 Days Past Due				60-89 Days Past Due				Loans 90 Days or More Past Due				Total Past due Loans			Current Loans		Total Loans
	Commercial		$	—			$	—			$	273			$	273		$	1,418	$	1,691
	Commercial Real Estate:
	Multi-family			450				—				—				450			1,650		2,100
	Commercial Real Estate - other			414				—				277				691			42,394		43,085
	Consumer:
	Consumer - Helocs and other			128				—				24				152			7,858		8,010
	Residential:
	Residential - prime			1,074				653				468				2,195			45,588		47,783
	Residential - subprime			397				427				7				831			12,487		13,318
	Construction:
	Construction - prime			—				—				—				—			2,490		2,490
	Construction - subprime			—				—				—				—			—		—
	Total		$	2,463			$	1,080			$	1,049			$	4,592		$	113,885	$	118,477
	31-Dec-12		30-59 Days Past Due				60-89 Days Past Due				Loans 90 Days or More Past Due				Total Past due Loans			Current Loans		Total Loans
	Commercial		$	197			$	—			$	120			$	317		$	3,392	$	3,709
	Commercial Real Estate:
	Multi-family			450				—				—				450			733		1,183
	Commercial Real Estate - other			—				—				1,560				1,560			42,392		43,952
	Consumer:
	Consumer - Helocs and other			184				7				10				201			9,742		9,943
	Residential:
	Residential - prime			993				619				203				1,815			52,856		54,671
	Residential - subprime			702				236				113				1,051			13,321		14,372
	Construction:
	Construction - prime			98				—				—				98			2,880		2,978
	Construction - subprime			—				—				—				—			468		468
	Total		$	2,624			$	862			$	2,006			$	5,492		$	125,784	$	131,276
Schedule Of Loans by risk category	'
	The following table represents the risk category of loans by class based on the analysis performed as of September 30, 2013 and December 31, 2012 (in thousands):
									30-Sep-13
	Credit Rating					Commercial				Commercial Real Estate Multi-family				Commercial Real Estate Other
	0				$	—			$	28			$	312
	2-Jan					—				—				493
	3					236				778				7,060
	4					1,042				844				22,999
	5					50				—				8,787
	6					363				450				3,434
	7					—				—				—
		Total			$	1,691			$	2,100			$	43,085
										31-Dec-12
						Commercial				Commercial Real Estate Multi-family				Commercial Real Estate Other
	0				$	—			$	31			$	314
	2-Jan					—				—				6
	3					521				—				2,890
	4					2,610				601				24,564
	5					163				101				2,135
	6					415				450				14,043
	7					—				—				—
		Total			$	3,709			$	1,183			$	43,952
	For consumer residential real estate, and consumer loans, the Corporation also evaluates credit quality based on the aging status of the loan which was previously stated, and by payment activity. The following tables present the recorded investment in those classes based on payment activity and assigned grades as of September 30, 2013 and December 31, 2012.
			30-Sep-13
			Residential - Prime				Residential - Subprime
	Grade
	Pass		$	46,744			$	12,990
	Substandard			1,039				328
	Total		$	47,783			$	13,318
							Consumer - Helocs and other
	Performing						$	7,903
	Nonperforming							107
	Total						$	8,010
							Construction
	Performing						$	2,490
	Nonperforming							—
	Total						$	2,490
			31-Dec-12
			Residential - Prime				Residential - Subprime
	Grade
	Pass		$	54,026			$	14,107
	Substandard			645				265
	Total		$	54,671			$	14,372
							Consumer - Helocs and other
	Performing						$	9,832
	Nonperforming							111
	Total						$	9,943
							Construction
	Performing						$	3,428
	Nonperforming							18
	Total						$	3,446
Schedule of Impaired Loans	'
	The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2013 and December 31, 2012 (in thousands).
	30-Sep-13
			Recorded Investment				Unpaid Principal Balance				Related Allowance
	With no related allowance recorded:
	Commercial		$	273			$	350			$	—
	Commercial Real Estate:
	Commercial Real Estate - Multi-family			—				—				—
	Commercial Real Estate - other			4,015				6,104				—
	Consumer:
	Consumer - Helocs and other			—				—				—
	Residential:
	Residential - prime			—				—				—
	Residential - subprime			—				—				—
	Construction:
	Construction - prime			—				—				—
	Construction - subprime			—				—				—
	With an allowance recorded:
	Commercial			49				49				—
	Commercial Real Estate:
	Commercial Real Estate - Multi-family			450				464				63
	Commercial Real Estate - other			4,175				4,175				35
	Consumer:
	Consumer - Helocs and others			—				—				—
	Residential:
	Residential - prime			1,576				1,614				195
	Residential - subprime			—				—				—
	Construction:
	Construction - prime			446				446				45
	Construction - subprime			—				—				—
	Total
	Commercial		$	9,408			$	11,588			$	143
	Consumer		$	—			$	—			$	—
	Residential		$	1,576			$	1,614			$	195
	31-Dec-12
			Recorded Investment				Unpaid Principal Balance				Related Allowance
	With no related allowance recorded:
	Commercial		$	315			$	382			$	—
	Commercial Real Estate:
	Commercial Real Estate - Multi-family			—				—				—
	Commercial Real Estate - other			10,724				16,429				—
	Consumer:
	Consumer - Helocs and others			—				—				—
	Residential:
	Residential - prime			62				78				—
	Residential - subprime			—				—				—
	Construction:
	Construction - prime			—				—				—
	Construction - subprime			—				—				—
	With an allowance recorded:
	Commercial			50				50				5
	Commercial Real Estate:
	Commercial Real Estate - Multi-family			450				464				71
	Commercial Real Estate - other			107				107				25
	Consumer:
	Consumer - Helocs and others			—				—				—
	Residential:
	Residential - prime			1,790				1,820				313
	Residential - subprime			—				—				—
	Construction:
	Construction - prime			301				301				38
	Construction - subprime			—				—				—
	Total
	Commercial		$	11,947			$	17,733			$	139
Consumer		$	—			$	—			$	—
Residential		$	1,852			$	1,898			$	313
The following table presents loans individually evaluated for impairment by class of loans for the three months ended September 30, 2013 and September 30, 2012 (in thousands).
		Three Months Ended								Three Months Ended
		30-Sep-13								30-Sep-12
		Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income
With no related allowance recorded:
Commercial		$	358			$	—			$	386			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—				—
Commercial Real Estate - other			6,114				60				14,762				60
Consumer:
Consumer - Helocs and other			—				—				—				—
Residential:
Residential - prime			—				—				—				—
Residential - subprime			—				—				—				—
With an allowance recorded:
Commercial			49				1				53				1
Commercial Real Estate:
Commercial Real Estate - Multi-family			464				6				464				6
Commercial Real Estate - other			4,183				42				1,826				—
Consumer:
Consumer - Helocs and others			—				—				—				—
Residential:
Residential - prime			1,619				19				1,903				5
Residential - subprime			—				—				—				—
Construction:
Construction - prime			448				5				306				3
Construction - subprime			—				—				—				—
Total
Commercial		$	11,616			$	114			$	17,797			$	70
Consumer		$	—			$	—			$	—			$	—
Residential		$	1,619			$	19			$	1,903			$	5
The following table presents loans individually evaluated for impairment by class of loans for the nine months ended September 30, 2013 and September 30, 2012 (in thousands).
		Nine Months Ended								Nine Months Ended
		30-Sep-13								30-Sep-12
		Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income
With no related allowance recorded:
Commercial		$	371			$	—			$	390			$	—
Commercial Real Estate:
Commercial Real Estate - Multi-family			—				—				—				—
Commercial Real Estate - other			6,138				179				14,754				179
Consumer:
Consumer - Helocs and other			—				—				—				—
Residential:
Residential - prime			—				—				—				—
Residential - subprime			—				—				—				—
With an allowance recorded:
Commercial			49				2				54				2
Commercial Real Estate:
Commercial Real Estate - Multi-family			464				17				465				17
Commercial Real Estate - other			4,208				126				1,828				—
Consumer:
Consumer - Helocs and others			—				—				—				—
Residential:
Residential - prime			1,648				57				1,869				17
Residential - subprime			—				—				—				—
Construction:
Construction - prime			452				15				310				9
Construction - subprime			—				—				—				—
Total
Commercial		$	11,682			$	339			$	17,801			$	207
Consumer		$	—			$	—			$	—			$	—
Residential		$	1,648			$	57			$	1,869			$	17
Schedule Of Loans On Nonaccrual Status	'
	The following presents, by class, the recorded investment in loans and leases on non-accrual status as of September 30, 2013 and December 31, 2012.
	Loans on Nonaccrual Status
			30-Sep-13
	Commercial		$	273
	Commercial real estate:
	Commercial Real Estate - multi-family			—
	Commercial Real Estate - other			276
	Consumer:
	Consumer - Helocs and other			24
	Residential:
	Residential - prime			1,121
	Residential - subprime			603
	Construction
	Construction - prime			—
	Construction - subprime			—
	Total		$	2,297
	Financing Receivables on Nonaccrual Status
			31-Dec-12
	Commercial		$	316
	Commercial real estate:
	Commercial Real Estate - multi-family			—
	Commercial Real Estate - other			5,008
	Consumer:
	Consumer - Helocs and other			9
	Residential:
	Residential - prime			2,108
	Residential - subprime			329
	Construction
	Construction - prime			—
	Construction - subprime			—
	Total		$	7,770
Schedule of Troubled Debt Restructurings	'
	The following table represents the modifications completed during the three months ended September 30, 2013 and 2012.
			Modifications
			Three Months Ended September 30, 2013
			Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled Debt Restructurings
	Commercial			—				—				—
	Commercial real estate:
	Commercial Real Estate - multi-family			—				—				—
	Commercial Real Estate - other			—				—				—
	Consumer:
	Consumer - Heloc and other			—				—				—
	Residential:
	Residential - prime			—				—				—
	Residential - subprime			—				—				—
	Construction
	Construction - prime			—				—				—
	Construction - subprime			—				—				—
	Total			—			$	—			$	—
			Modifications
			Three Months Ended September 30, 2012
			Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled Debt Restructurings
	Commercial			—				—				—
	Commercial real estate:
	Commercial Real Estate - multi-family			—				—				—
	Commercial Real Estate - other			—				—				—
	Consumer:
	Consumer - Heloc and other			—				—				—
	Residential:
	Residential - prime			—				—				—
	Residential - subprime			—				—				—
	Construction
	Construction - prime			1				158				157
	Construction - subprime			1				44				46
	Total			2			$	202			$	203
	The following table represents the modifications completed during the nine months ended September 30, 2013 and 2012.
			Modifications
			Nine Months Ended September 30, 2013
			Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled Debt Restructurings
	Commercial			—				—				—
	Commercial real estate:
	Commercial Real Estate - multi-family			—				—				—
	Commercial Real Estate - other			1				212				212
	Consumer:
	Consumer - Heloc and other			—				—				—
	Residential:
	Residential - prime			6				861				860
	Residential - subprime			5				217				217
	Construction
	Construction - prime			—				—				—
	Construction - subprime			—				—				—
	Total			12			$	1,290			$	1,289
			Modifications
			Nine Months Ended September 30, 2012
			Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled Debt Restructurings
	Commercial			1				50				50
	Commercial real estate:
	Commercial Real Estate - multi-family			—				—				—
	Commercial Real Estate - other			—				—				—
	Consumer:
	Consumer - Heloc and other			—				—				—
Residential:
Residential - prime			6				862				865
Residential - subprime			—				—				—
Construction
Construction - prime			1				158				157
Construction - subprime			1				44				46
Total			9			$	1,114			$	1,118
Troubled debt restructured loans which had payment defaults during the three months ended September 30, 2013 and 2012, segregated by class, are shown in the table below. Default occurs when a loan is 90 days or more past due or has been transferred to nonaccrual.
		Modifications That
		Subsequently Defaulted
		Three Months Ended September 30, 2013
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			—				—
Consumer:
Consumer - Heloc and other			—				—
Residential:
Residential - prime			—				—
Residential - subprime			—				—
Construction
Construction - prime			—				—
Construction - subprime			—				—
			—			$	—
		Modifications That
		Subsequently Defaulted
		Three Months Ended September 30, 2012
		Number of Contracts					Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				2,534
Consumer:
Consumer - Heloc and other			3				54
Residential:
Residential - prime			2				143
Residential - subprime			8				350
Construction
Construction - prime			—				—
Construction - subprime			—				—
			14			$	3,081
Troubled debt restructured loans which had payment defaults during the nine months ended September 30, 2013 and 2012, segregated by class, are shown in the table below.
		Modifications That
		Subsequently Defaulted
		Nine Months Ended September 30, 2013
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				212
Consumer:
Consumer - Heloc and other			—				—
Residential:
Residential - prime			—				—
Residential - subprime			—				—
Construction
Construction - prime			—				—
Construction - subprime			—				—
			1			$	212
		Modifications That
		Subsequently Defaulted
		Nine Months Ended September 30, 2012
		Number of Contracts				Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
Commercial			—				—
Commercial real estate:
Commercial Real Estate - multi-family			—				—
Commercial Real Estate - other			1				2,534
Consumer:
Consumer - Heloc and other			4				56
Residential:
Residential - prime			4				241
Residential - subprime			8				350
Construction
Construction - prime			—				—
Construction - subprime			—				—
			17			$	3,181

Allowance_For_Loan_Losses_Tabl

Allowance For Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Allowance For Loan Losses Tables	'
Schedule of analysis related to allowance for credit losses	'
	Analysis related to the allowance for credit losses (in thousands) for the three months ended September 30, 2013 and 2012 is as follows:
	For the Three Months Ended September 30, 2013
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	9		$	599		$	76		$	189		$	1,357		$	463		$	51		$	2,744
	Charge-Offs		—			—			—			(56	)		(105	)		(149	)		—			(310	)
	Recoveries		3			466			—			36			1			4			—			510
	Provision		(3	)		(501	)		8			73			143			312			18			50
	Ending Balance		9			564			84			242			1,396			630			69			2,994
	Ending Balance: individually evaluated for impairment		—			35			63			—			195			—			45			338
	Ending Balance: collectively evaluated for impairment	$	9		$	529		$	21		$	242		$	1,201		$	630		$	24		$	2,656
	For the Three Months Ended September 30, 2012
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	17		$	933		$	128		$	223		$	1,670		$	707		$	88		$	3,766
	Charge-Offs		—			(48	)		—			(76	)		(101	)		(48	)		—			(273	)
	Recoveries		3			12			1			50			1			—			—			67
	Provision		(1	)		67			(45	)		(30	)		104			(87	)		(3	)		5
	Ending Balance		19			964			84			167			1,674			572			85			3,565
	Ending Balance: individually evaluated for impairment		—			130			49			—			406			—			35			620
	Ending Balance: collectively evaluated for impairment	$	19		$	834		$	35		$	167		$	1,268		$	572		$	50		$	2,945
	Analysis related to the allowance for credit losses (in thousands) for the nine months ended September 30, 2013 and 2012 is as follows:
	For the Nine Months Ended September. 30, 2013
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	12		$	695		$	81		$	230		$	1,444		$	521		$	52		$	3,035
	Charge-Offs		—			(121	)		—			(273	)		(513	)		(272	)		—			(1,179	)
	Recoveries		5			496			1			148			43			8			—			701
	Provision		(8	)		(506	)		2			137			422			373			17			437
	Ending Balance		9			564			84			242			1,396			630			69			2,994
	Ending Balance: individually evaluated for impairment		—			35			63			—			195			—			45			338
	Ending Balance: collectively evaluated for impairment	$	9		$	529		$	21		$	242		$	1,201		$	630		$	24		$	2,656
	For the Nine Months Ended September 30, 2012
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	ALLOWANCE FOR CREDIT LOSSES:
	Beginning Balance	$	45		$	1,262		$	45		$	259		$	2,280		$	664		$	101		$	4,656
	Charge-Offs		—			(256	)		—			(213	)		(756	)		(170	)		—			(1,395	)
	Recoveries		6			39			1			177			20			3			—			246
	Provision		(32	)		(81	)		38			(56	)		130			75			(16	)		58
	Ending Balance		19			964			84			167			1,674			572			85			3,565
	Ending Balance: individually evaluated for impairment		—			130			49			—			406			—			35			620
	Ending Balance: collectively evaluated for impairment	$	19		$	834		$	35		$	167		$	1,268		$	572		$	50		$	2,945
	Analysis related to the allowance for financing receivables (in thousands) for the nine months ended September 30, 2013 and December 31, 2012 is as follows:
	As of
	30-Sep-13
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	LOANS
	Ending Balance	$	1,691		$	43,085		$	2,100		$	8,010		$	47,783		$	13,318		$	2,490		$	118,477
	Ending Balance: individually evaluated for impairment		322			8,190			450			—			1,576			—			446			10,984
	Ending Balance: collectively evaluated for impairment	$	1,369		$	34,895		$	1,650		$	8,010		$	46,207		$	13,318		$	2,044		$	107,493
	As of
	31-Dec-12
		Commercial			Commercial Real Estate Other			Multi Family			Consumer			Residential - Prime			Residential - Subprime			Construction			Total
	LOANS
	Ending Balance	$	3,709		$	43,952		$	1,183		$	9,943		$	54,671		$	14,372		$	3,446		$	131,276
	Ending Balance: individually evaluated for impairment		365			10,831			450			—			1,852			—			301			13,799
	Ending Balance: collectively evaluated for impairment	$	3,344		$	33,121		$	733		$	9,943		$	52,819		$	14,372		$	3,145		$	117,477

Summary_Of_Significant_Account2

Summary Of Significant Accounting Policies (Narrative Details)	0 Months Ended		9 Months Ended
	28-May-13	Aug. 29, 2002	Sep. 30, 2013	Dec. 31, 2012
Common stock sold in a subscription offering	'	2,314,375	'	'
Reverse split ratio	0.2	'	'	'
Actual losses carried at a weighted average (percent)	'	'	60.00%	40.00%
Allowance for loan loss reserve attributable to adjustment of loan factors (percent)	'	'	20.00%	'
One-to-four Family Residential Real Estate Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	0.08%	'
Historical loan loss ratio	'	'	1.39%	'
Multi-family Real Estate Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	0.32%	'
Historical loan loss ratio	'	'	1.32%	'
Commercial Real Estate Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	1.13%	'
Historical loan loss ratio	'	'	1.53%	'
Construction or Development Real Estate Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	0.12%	'
Historical loan loss ratio	'	'	0.58%	'
Consumer Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	0.50%	'
Historical loan loss ratio	'	'	0.60%	'
Commercial and Industrial	'	'	'	'
Increase in historical loan loss ratio	'	'	0.28%	'
Historical loan loss ratio	'	'	1.57%	'
Home Equity Loans	'	'	'	'
Increase in historical loan loss ratio	'	'	0.03%	'
Historical loan loss ratio	'	'	1.34%	'
Limited Partnership - Construction and Operation Multi-Family Housing Units	'	'	'	'
Ownership percentage of equity investees	'	'	24.98%	'
First Insurance Agency	'	'	'	'
Ownership percentage of equity investees	'	'	100.00%	'

Securities_Narrative_Details

Securities (Narrative Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Securities Narrative Details	'	'
Proceeds from sale of securities	$80	$254
Realized gains on sale of investment securities	3,301	9,459
Realized losses on sale of investment securities	$0	$0

Securities_Details

Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Available for Sale Securities	'	'
Amortized Cost	$10,452	$9,862
Gross Unrealized Gains	68	185
Gross Unrealized Losses	-145	'
Estimated Market Value	10,375	10,047
Collateralized Mortgage Obligations	'	'
Available for Sale Securities	'	'
Amortized Cost	5,416	6,586
Gross Unrealized Gains	27	113
Gross Unrealized Losses	-51	'
Estimated Market Value	5,392	6,699
U S Government Agency Obligations	'	'
Available for Sale Securities	'	'
Amortized Cost	2,004	2,007
Gross Unrealized Gains	9	24
Gross Unrealized Losses	-31	'
Estimated Market Value	1,982	2,031
Mortgage Backed Securities	'	'
Available for Sale Securities	'	'
Amortized Cost	470	609
Gross Unrealized Gains	32	44
Gross Unrealized Losses	'	'
Estimated Market Value	502	653
Obligations of states and political subdivisions	'	'
Available for Sale Securities	'	'
Amortized Cost	2,562	660
Gross Unrealized Gains	'	4
Gross Unrealized Losses	-63	'
Estimated Market Value	$2,499	$664

Securities_Details_1

Securities (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Available for Sale Debt Securities, Amortized Cost	'	'
Due from one to five years	$2,372	'
Due from five to ten years	2,194	'
Amortized Cost	4,566	'
Available for Sale Debt Securities, Fair Value	'	'
Due from one to five years	2,364	'
Due from five to ten years	2,117	'
Fair Value	4,481	'
Available-for-sale securities, Amortized Cost	10,452	9,862
Available-for-sale securities, Fair Value	10,375	10,047
Mortgage Backed Securities	'	'
Available for Sale Debt Securities, Fair Value	'	'
Available-for-sale securities, Amortized Cost	470	609
Available-for-sale securities, Fair Value	502	653
Collateralized Mortgage Obligations	'	'
Available for Sale Debt Securities, Fair Value	'	'
Available-for-sale securities, Amortized Cost	5,416	6,586
Available-for-sale securities, Fair Value	$5,392	$6,699

Securities_Details_2

Securities (Details 2) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Securities in a continuous loss position	'
Fair Value Less Than 12 Months	$5,594
Gross Unrealized Loss Less Than 12 Months	-145
Fair Value Less Than 12 Months or Longer	'
Gross Unrealized Loss Less Than 12 Months or Longer	'
Total Fair Value	5,594
Total Gross Unrealized Losses	-145
Collateralized Mortgage Obligations	'
Securities in a continuous loss position	'
Fair Value Less Than 12 Months	2,128
Gross Unrealized Loss Less Than 12 Months	-51
Fair Value Less Than 12 Months or Longer	'
Gross Unrealized Loss Less Than 12 Months or Longer	'
Total Fair Value	2,128
Total Gross Unrealized Losses	-51
U S Government Agency Obligations	'
Securities in a continuous loss position	'
Fair Value Less Than 12 Months	967
Gross Unrealized Loss Less Than 12 Months	-31
Fair Value Less Than 12 Months or Longer	'
Gross Unrealized Loss Less Than 12 Months or Longer	'
Total Fair Value	967
Total Gross Unrealized Losses	-31
Obligations of states and political subdivisions	'
Securities in a continuous loss position	'
Fair Value Less Than 12 Months	2,499
Gross Unrealized Loss Less Than 12 Months	-63
Fair Value Less Than 12 Months or Longer	'
Gross Unrealized Loss Less Than 12 Months or Longer	'
Total Fair Value	2,499
Total Gross Unrealized Losses	($63)

Earnings_Per_Share_Details

Earnings Per Share (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Basic earnings per share:	'	'	'	'
Net Income	($647)	($513)	($1,799)	($1,188)
Dividends and amortization of discount on preferred stock	107	102	311	300
Net (Loss) allocated to common stock	($754)	($615)	($2,110)	($1,488)
Weighted average common shares outstanding	410,000	410,000	410,000	410,000
Less: Average unallocated ESOP shares	-7,000	-9,000	-7,000	-9,000
Less: Average non-vested RRP shares	'	'	'	'
Weighted average common shares outstanding for basic earnings (loss) per share	403,000	401,000	403,000	401,000
Basic earnings (loss) per share	($1.87)	($1.54)	($5.24)	($3.72)
Diluted earnings per share:	'	'	'	'
Add: Dilutive effects of restricked stock, stock options and warrants	'	'	'	'
Weighted average common shares and dilutive potential common shares outstanding	403,000	401,000	403,000	401,000
Diluted earnings (loss) per share	($1.87)	($1.54)	($5.24)	($3.72)

Fair_Value_Measurements_Narrat

Fair Value Measurements (Narrative Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Impaired loans charged off to allowance for loan losses	$31	'
Foreclosed assets, net	$810	$1,244
Upper Limit	'	'
Value limits, as a percentage of collateral	50.00%	'
Lower Limit	'	'
Value limits, as a percentage of collateral	80.00%	'

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities - Available for sale	$10,375	$10,047
Collateralized Mortgage Obligations	'	'
Securities - Available for sale	5,392	6,699
U S Government Agency Obligations	'	'
Securities - Available for sale	1,982	2,031
Mortgage Backed Securities	'	'
Securities - Available for sale	502	653
Obligations of states and political subdivisions	'	'
Securities - Available for sale	2,499	664
Significant Other Observable Inputs (Level 2)	'	'
Securities - Available for sale	10,375	10,047
Fair Value	'	'
Securities - Available for sale	10,375	10,047
Fair Value Measured on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized Mortgage Obligations	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U S Government Agency Obligations	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage Backed Securities	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Obligations of states and political subdivisions	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2)	'	'
Securities - Available for sale	10,375	10,047
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Collateralized Mortgage Obligations	'	'
Securities - Available for sale	5,392	6,699
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2) | U S Government Agency Obligations	'	'
Securities - Available for sale	1,982	2,031
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Mortgage Backed Securities	'	'
Securities - Available for sale	502	653
Fair Value Measured on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Obligations of states and political subdivisions	'	'
Securities - Available for sale	2,499	664
Fair Value Measured on a Recurring Basis | Significant Unobservable Inputs (Level 3)	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Significant Unobservable Inputs (Level 3) | Collateralized Mortgage Obligations	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Significant Unobservable Inputs (Level 3) | U S Government Agency Obligations	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Significant Unobservable Inputs (Level 3) | Mortgage Backed Securities	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Significant Unobservable Inputs (Level 3) | Obligations of states and political subdivisions	'	'
Securities - Available for sale	'	'
Fair Value Measured on a Recurring Basis | Fair Value	'	'
Securities - Available for sale	10,375	10,047
Fair Value Measured on a Recurring Basis | Fair Value | Collateralized Mortgage Obligations	'	'
Securities - Available for sale	5,392	6,699
Fair Value Measured on a Recurring Basis | Fair Value | U S Government Agency Obligations	'	'
Securities - Available for sale	1,982	2,031
Fair Value Measured on a Recurring Basis | Fair Value | Mortgage Backed Securities	'	'
Securities - Available for sale	502	653
Fair Value Measured on a Recurring Basis | Fair Value | Obligations of states and political subdivisions	'	'
Securities - Available for sale	$2,499	$664

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Foreclosed Assets	$810	$1,244
Fair Value Measured on a Nonrecurring Basis | Fair Value	'	'
Impaired loans	10,645	13,347
Foreclosed Assets	810	1,244
Fair Value Measured on a Nonrecurring Basis | Significant Unobservable Inputs (Level 3)	'	'
Impaired loans	10,645	13,347
Foreclosed Assets	$810	$1,244

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets:	'	'
Cash and cash equivalents	$23,996	$28,744
Certificates of Deposit	'	1,981
Securities - Available for sale	10,375	10,047
Other securities	3,370	3,370
Loans and loans held for sale, net	115,733	130,045
Liabilities:	'	'
Deposits	156,313	169,460
Federal Home Loan Bank advances	59	7,059
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Assets:	'	'
Cash and cash equivalents	23,996	28,744
Significant Other Observable Inputs (Level 2)	'	'
Assets:	'	'
Certificates of Deposit	1,984	1,981
Securities - Available for sale	10,375	10,047
Other securities	3,370	3,370
Liabilities:	'	'
Deposits	157,116	171,129
Federal Home Loan Bank advances	60	7,194
Significant Unobservable Inputs (Level 3)	'	'
Assets:	'	'
Loans and loans held for sale, net	120,135	134,944
Fair Value	'	'
Assets:	'	'
Cash and cash equivalents	23,996	28,744
Certificates of Deposit	1,984	1,981
Securities - Available for sale	10,375	10,047
Other securities	3,370	3,370
Loans and loans held for sale, net	120,135	134,944
Liabilities:	'	'
Deposits	157,116	171,129
Federal Home Loan Bank advances	$60	$7,194

Loans_Narrative_Details

Loans (Narrative Details)	9 Months Ended
	Sep. 30, 2013
Number of days for loan to be in default for nonaccrual status	'0 years 90 months
Risk Rating Three (3) - Acceptable	'
Debt to worth ratio, should be below	250.00%
Risk Rating Four (4) - Average	'
Debt to worth ratio, should be below	350.00%
Risk Rating Five (5) - Special Mention	'
Debt to worth ratio, should be above	350.00%

Loans_Details

Loans (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Loans and Leases	'	'	'	'	'	'
Gross Loans	$118,477	'	$131,276	'	'	'
Percentage of Gross Loans	100.00%	'	100.00%	'	'	'
Allowance for loan losses	2,994	2,744	3,035	3,565	3,766	4,656
Less: Net deferred loan fees	229	'	241	'	'	'
Loans, net	115,254	'	128,000	'	'	'
One-to-four Family Residential Real Estate Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	61,101	'	69,043	'	'	'
Percentage of Gross Loans	51.57%	'	52.60%	'	'	'
Multi-family Real Estate Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	2,100	'	1,183	'	'	'
Percentage of Gross Loans	1.77%	'	0.90%	'	'	'
Allowance for loan losses	84	76	81	84	128	45
Commercial Real Estate Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	43,085	'	43,952	'	'	'
Percentage of Gross Loans	36.37%	'	35.03%	'	'	'
Allowance for loan losses	564	599	695	964	933	1,262
Construction or Development Real Estate Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	2,490	'	3,446	'	'	'
Percentage of Gross Loans	2.10%	'	1.08%	'	'	'
Allowance for loan losses	69	51	52	85	88	101
Total Real Estate Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	108,776	'	117,624	'	'	'
Percentage of Gross Loans	91.81%	'	89.60%	'	'	'
Home Equity Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	6,454	'	8,058	'	'	'
Percentage of Gross Loans	5.45%	'	6.14%	'	'	'
Other Consumer Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	1,556	'	1,885	'	'	'
Percentage of Gross Loans	1.31%	'	1.43%	'	'	'
Consumer Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	8,010	'	9,943	'	'	'
Percentage of Gross Loans	6.76%	'	7.57%	'	'	'
Allowance for loan losses	242	189	230	167	223	259
Commercial Business Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	1,691	'	3,709	'	'	'
Percentage of Gross Loans	1.43%	'	2.82%	'	'	'
Allowance for loan losses	9	9	12	19	17	45
Total Other Loans	'	'	'	'	'	'
Loans and Leases	'	'	'	'	'	'
Gross Loans	$9,701	'	$13,652	'	'	'
Percentage of Gross Loans	8.19%	'	10.39%	'	'	'

Loans_Details_1

Loans (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Age analysis of past due loans	'	'
30-59 Days Past Due	$2,463	$2,624
60-89 Days Past Due	1,080	862
Loans 90 Days or More Past Due	1,049	2,006
Total Past Due Loans	4,592	5,492
Current Loans	113,885	125,784
Gross Loans	118,477	131,276
Commercial Business Loans	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	'	197
Loans 90 Days or More Past Due	273	120
Total Past Due Loans	273	317
Current Loans	1,418	3,392
Gross Loans	1,691	3,709
Multi-family Real Estate Loans	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	450	450
Total Past Due Loans	450	450
Current Loans	1,650	733
Gross Loans	2,100	1,183
Commercial Real Estate Loans	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	414	'
Loans 90 Days or More Past Due	277	1,560
Total Past Due Loans	691	1,560
Current Loans	42,394	42,392
Gross Loans	43,085	43,952
Consumer Loans	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	128	184
60-89 Days Past Due	'	7
Loans 90 Days or More Past Due	24	10
Total Past Due Loans	152	201
Current Loans	7,858	9,742
Gross Loans	8,010	9,943
Residential - Prime	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	1,074	993
60-89 Days Past Due	653	619
Loans 90 Days or More Past Due	468	203
Total Past Due Loans	2,195	1,815
Current Loans	45,588	52,856
Gross Loans	47,783	54,671
Residential - Subprime	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	397	702
60-89 Days Past Due	427	236
Loans 90 Days or More Past Due	7	113
Total Past Due Loans	831	1,051
Current Loans	12,487	13,321
Gross Loans	13,318	14,372
Construction - Prime	'	'
Age analysis of past due loans	'	'
30-59 Days Past Due	'	98
Total Past Due Loans	'	98
Current Loans	2,490	2,880
Gross Loans	2,490	2,978
Construction - Subprime	'	'
Age analysis of past due loans	'	'
Current Loans	'	468
Gross Loans	'	$468

Loans_Details_2

Loans (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Commercial Credit Exposure	'	'
Gross Loans	$118,477	$131,276
Commercial Business Loans	'	'
Commercial Credit Exposure	'	'
Gross Loans	1,691	3,709
Commercial Business Loans | Risk Rating Three (3) - Acceptable	'	'
Commercial Credit Exposure	'	'
Gross Loans	236	521
Commercial Business Loans | Risk Rating Four (4) - Average	'	'
Commercial Credit Exposure	'	'
Gross Loans	1,042	2,610
Commercial Business Loans | Risk Rating Five (5) - Special Mention	'	'
Commercial Credit Exposure	'	'
Gross Loans	50	163
Commercial Business Loans | Risk Rating Six (6) - Substandard	'	'
Commercial Credit Exposure	'	'
Gross Loans	363	415
Multi-family Real Estate Loans	'	'
Commercial Credit Exposure	'	'
Gross Loans	2,100	1,183
Multi-family Real Estate Loans | Risk Rating Zero (0) - Unclassified	'	'
Commercial Credit Exposure	'	'
Gross Loans	28	31
Multi-family Real Estate Loans | Risk Rating Three (3) - Acceptable	'	'
Commercial Credit Exposure	'	'
Gross Loans	778	'
Multi-family Real Estate Loans | Risk Rating Four (4) - Average	'	'
Commercial Credit Exposure	'	'
Gross Loans	844	601
Multi-family Real Estate Loans | Risk Rating Five (5) - Special Mention	'	'
Commercial Credit Exposure	'	'
Gross Loans	'	101
Multi-family Real Estate Loans | Risk Rating Six (6) - Substandard	'	'
Commercial Credit Exposure	'	'
Gross Loans	450	450
Commercial Real Estate Loans	'	'
Commercial Credit Exposure	'	'
Gross Loans	43,085	43,952
Commercial Real Estate Loans | Risk Rating Zero (0) - Unclassified	'	'
Commercial Credit Exposure	'	'
Gross Loans	312	314
Commercial Real Estate Loans | Risk Ratings One (1) - Excellent and Two (2) - Above Average Quality	'	'
Commercial Credit Exposure	'	'
Gross Loans	493	6
Commercial Real Estate Loans | Risk Rating Three (3) - Acceptable	'	'
Commercial Credit Exposure	'	'
Gross Loans	7,060	2,890
Commercial Real Estate Loans | Risk Rating Four (4) - Average	'	'
Commercial Credit Exposure	'	'
Gross Loans	22,999	24,564
Commercial Real Estate Loans | Risk Rating Five (5) - Special Mention	'	'
Commercial Credit Exposure	'	'
Gross Loans	8,787	2,135
Commercial Real Estate Loans | Risk Rating Six (6) - Substandard	'	'
Commercial Credit Exposure	'	'
Gross Loans	$3,434	$14,043

Loans_Details_3

Loans (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	$118,477	$131,276
Residential - Prime	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	47,783	54,671
Residential - Prime | Pass	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	46,744	54,026
Residential - Prime | Substandard	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	1,039	645
Residential - Subprime	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	13,318	14,372
Residential - Subprime | Pass	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	12,990	14,107
Residential - Subprime | Substandard	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	328	265
Consumer Loans	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	8,010	9,943
Consumer Loans | Performing	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	7,903	9,832
Consumer Loans | Nonperforming	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	107	111
Construction or Development Real Estate Loans	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	2,490	3,446
Construction or Development Real Estate Loans | Performing	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	2,490	3,428
Construction or Development Real Estate Loans | Nonperforming	'	'
Consumer Residential Real Estate and Other Credit Exposure	'	'
Gross Loans	'	$18

Loans_Details_4

Loans (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Commercial Business Loans	'	'
With no related allowance recorded:	'	'
Recorded Investment	$273	$315
Unpaid Principal Balance	350	382
With an allowance recorded:	'	'
Recorded Investment	49	50
Unpaid Principal Balance	49	50
Related allowance	'	5
Multi-family Real Estate Loans	'	'
With an allowance recorded:	'	'
Recorded Investment	450	450
Unpaid Principal Balance	464	464
Related allowance	63	71
Commercial Real Estate Loans	'	'
With no related allowance recorded:	'	'
Recorded Investment	4,015	10,724
Unpaid Principal Balance	6,104	16,429
With an allowance recorded:	'	'
Recorded Investment	4,175	107
Unpaid Principal Balance	4,175	107
Related allowance	35	25
Total Commercial Loans	'	'
With an allowance recorded:	'	'
Related allowance	143	139
Total	'	'
Recorded Investment	9,408	11,947
Unpaid Principal Balance	11,588	17,733
Residential - Prime	'	'
With no related allowance recorded:	'	'
Recorded Investment	'	62
Unpaid Principal Balance	'	78
With an allowance recorded:	'	'
Recorded Investment	1,576	1,790
Unpaid Principal Balance	1,614	1,820
Related allowance	195	313
One-to-four Family Residential Real Estate Loans	'	'
With an allowance recorded:	'	'
Related allowance	195	313
Total	'	'
Recorded Investment	1,576	1,852
Unpaid Principal Balance	1,614	1,898
Construction - Prime	'	'
With an allowance recorded:	'	'
Recorded Investment	446	301
Unpaid Principal Balance	446	301
Related allowance	$45	$38

Loans_Details_5

Loans (Details 5) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Commercial Business Loans	'	'	'	'
With no related allowance recorded:	'	'	'	'
Average Recorded Investment	$358	$386	$371	$390
With an allowance recorded:	'	'	'	'
Average Recorded Investment	49	53	49	54
Interest income recognized	1	1	2	2
Multi-family Real Estate Loans	'	'	'	'
With an allowance recorded:	'	'	'	'
Average Recorded Investment	464	464	464	465
Interest income recognized	6	6	17	17
Commercial Real Estate Loans	'	'	'	'
With no related allowance recorded:	'	'	'	'
Average Recorded Investment	6,114	14,762	6,138	14,754
Interest income recognized	60	60	'	179
With an allowance recorded:	'	'	'	'
Average Recorded Investment	4,183	1,826	4,208	1,828
Interest income recognized	42	'	126	'
Total Commercial Loans	'	'	'	'
Total	'	'	'	'
Average Recorded Investment	11,616	17,797	11,682	17,801
Interest income recognized	114	70	389	207
Residential - Prime	'	'	'	'
With an allowance recorded:	'	'	'	'
Average Recorded Investment	1,619	1,903	1,648	1,869
Interest income recognized	19	5	57	17
One-to-four Family Residential Real Estate Loans	'	'	'	'
Total	'	'	'	'
Average Recorded Investment	1,619	1,903	'	1,869
Interest income recognized	19	5	'	17
Construction - Prime	'	'	'	'
With an allowance recorded:	'	'	'	'
Average Recorded Investment	448	306	452	310
Interest income recognized	5	3	15	9
Construction - Subprime	'	'	'	'
Total	'	'	'	'
Average Recorded Investment	'	'	1,648	'
Interest income recognized	'	'	$57	'

Loans_Details_6

Loans (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	$2,297	$7,770
Commercial Business Loans	'	'
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	273	316
Commercial Real Estate Loans	'	'
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	276	5,008
Consumer Loans	'	'
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	24	9
Residential - Prime	'	'
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	1,121	2,108
Residential - Subprime	'	'
Loans on Non Accrual Status	'	'
Loans on nonaccrual status	$603	$329

Loans_Details_7

Loans (Details 7) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Contracts	Contracts	Contracts
Troubled Debt Restructurings	'	'	'
Number of Contracts	2	12	9
Pre-modification outstanding recorded investment	$202	$1,290	$1,114
Post-modification outstanding recorded investment	203	1,289	1,118
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	14	'	17
Recorded investment	3,081	'	3,181
Commercial Business Loans	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	'	'	1
Pre-modification outstanding recorded investment	'	'	50
Post-modification outstanding recorded investment	'	'	50
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	'	'	1
Recorded investment	'	'	212
Commercial Real Estate Loans	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	'	1	'
Pre-modification outstanding recorded investment	'	212	'
Post-modification outstanding recorded investment	'	212	'
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	1	1	1
Recorded investment	2,534	212	2,534
Consumer Loans	'	'	'
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	3	'	4
Recorded investment	54	'	56
Residential - Prime	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	'	5	6
Pre-modification outstanding recorded investment	'	217	862
Post-modification outstanding recorded investment	'	217	865
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	2	'	4
Recorded investment	143	'	241
Residential - Subprime	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	'	6	'
Pre-modification outstanding recorded investment	'	861	'
Post-modification outstanding recorded investment	'	860	'
Subsequent Defaults During the Quarter	'	'	'
Number of Contracts	8	'	8
Recorded investment	350	'	350
Construction - Prime	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	1	'	1
Pre-modification outstanding recorded investment	158	'	158
Post-modification outstanding recorded investment	157	'	157
Construction - Subprime	'	'	'
Troubled Debt Restructurings	'	'	'
Number of Contracts	1	'	1
Pre-modification outstanding recorded investment	44	'	44
Post-modification outstanding recorded investment	$46	'	$46

Allowance_For_Loan_Losses_Narr

Allowance For Loan Losses (Narrative Details)	Sep. 30, 2013	Dec. 31, 2012
Allowance For Loan Losses Narrative Details	'	'
Allowance for loan losses, percentage of total loans	2.60%	2.40%
Allowance for loan losses to non-performing loans	130.40%	39.10%

Allowance_For_Loan_Losses_Deta

Allowance For Loan Losses (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for loan losses:	'	'	'	'
Beginning Balance	$2,744	$3,766	$3,035	$4,656
Charge offs	-310	-273	-1,179	-1,395
Recoveries	510	67	701	246
Provision	50	5	437	58
Ending balance	2,994	3,565	2,994	3,565
Ending Balance: individually evaluated for impairment	338	620	338	620
Ending Balance: collectively evaluated for impairment	2,656	2,945	2,656	2,945
Commercial Business Loans	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	9	17	12	45
Recoveries	3	3	5	6
Provision	-3	-1	-8	-32
Ending balance	9	19	9	19
Ending Balance: collectively evaluated for impairment	9	19	9	19
Commercial Real Estate Loans	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	599	933	695	1,262
Charge offs	'	-48	-121	-256
Recoveries	466	12	496	39
Provision	-501	67	-506	-81
Ending balance	564	964	564	964
Ending Balance: individually evaluated for impairment	35	130	35	130
Ending Balance: collectively evaluated for impairment	529	834	529	834
Multi-family Real Estate Loans	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	76	128	81	45
Recoveries	'	1	1	1
Provision	8	-45	2	38
Ending balance	84	84	84	84
Ending Balance: individually evaluated for impairment	63	49	63	49
Ending Balance: collectively evaluated for impairment	21	35	21	35
Consumer Loans	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	189	223	230	259
Charge offs	-56	-76	-273	-213
Recoveries	36	50	148	177
Provision	73	-30	137	-56
Ending balance	242	167	242	167
Ending Balance: collectively evaluated for impairment	242	167	242	167
Residential - Prime	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	1,357	1,670	1,444	2,280
Charge offs	-105	-101	-513	-756
Recoveries	1	1	43	20
Provision	143	104	422	130
Ending balance	1,396	1,674	1,396	1,674
Ending Balance: individually evaluated for impairment	195	406	195	406
Ending Balance: collectively evaluated for impairment	1,201	1,268	1,201	1,268
Residential - Subprime	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	463	707	521	664
Charge offs	-149	-48	-272	-170
Recoveries	4	'	8	3
Provision	312	-87	373	75
Ending balance	630	572	630	572
Ending Balance: collectively evaluated for impairment	630	572	630	572
Construction or Development Real Estate Loans	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning Balance	51	88	52	101
Provision	18	-3	17	-16
Ending balance	69	85	69	85
Ending Balance: individually evaluated for impairment	45	35	45	35
Ending Balance: collectively evaluated for impairment	$24	$50	$24	$50

Allowance_For_Loan_Losses_Deta1

Allowance For Loan Losses (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans receivable (gross):	'	'
Gross Loans	$118,477	$131,276
Individually evaluated for impairment	10,984	13,799
Collectively evaluated for impairment	107,493	117,477
Commercial Business Loans	'	'
Loans receivable (gross):	'	'
Gross Loans	1,691	3,709
Individually evaluated for impairment	322	365
Collectively evaluated for impairment	1,369	3,344
Commercial Real Estate Loans	'	'
Loans receivable (gross):	'	'
Gross Loans	43,085	43,952
Individually evaluated for impairment	8,190	10,831
Collectively evaluated for impairment	34,895	33,121
Multi-family Real Estate Loans	'	'
Loans receivable (gross):	'	'
Gross Loans	2,100	1,183
Individually evaluated for impairment	450	450
Collectively evaluated for impairment	1,650	733
Consumer Loans	'	'
Loans receivable (gross):	'	'
Gross Loans	8,010	9,943
Collectively evaluated for impairment	8,010	9,943
Residential - Prime	'	'
Loans receivable (gross):	'	'
Gross Loans	47,783	54,671
Individually evaluated for impairment	1,576	1,852
Collectively evaluated for impairment	46,207	52,819
Residential - Subprime	'	'
Loans receivable (gross):	'	'
Gross Loans	13,318	14,372
Collectively evaluated for impairment	13,318	14,372
Construction or Development Real Estate Loans	'	'
Loans receivable (gross):	'	'
Gross Loans	2,490	3,446
Individually evaluated for impairment	446	301
Collectively evaluated for impairment	$2,044	$3,145