Ottawa Savings Bancorp 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. 13, 2013
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'Ottawa Savings Bancorp, Inc.	'
Document Type	'10-Q	'
Current Fiscal Year End Date	'--12-31	'
Entity Common Stock, Shares Outstanding	'	2,117,979
Amendment Flag	'false	'
Entity Central Index Key	'0001321070	'
Entity Current Reporting Status	'Yes	'
Entity Voluntary Filers	'No	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Well-known Seasoned Issuer	'No	'
Document Period End Date	30-Sep-13	'
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'

Consolidated_Balance_Sheets_Cu

Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Assets	'	'
Cash and due from banks	$1,810,203	$1,439,637
Interest bearing deposits	3,398,756	9,348,352
Total cash and cash equivalents	5,208,959	10,787,989
Federal funds sold	2,885,000	1,666,000
Securities held to maturity (fair value of $13 at December 31, 2012)	0	12
Securities available for sale	34,952,460	28,863,603
Non-marketable equity securities	1,233,536	1,334,436
Loans, net of allowance for loan losses of $3,214,275 and $3,381,441 at September 30, 2013 and December 31, 2012, respectively	113,133,554	121,994,851
Loans held for sale	'	171,095
Premises and equipment, net	6,498,148	6,629,794
Accrued interest receivable	670,709	696,638
Foreclosed real estate	907,320	1,297,214
Deferred tax assets	2,463,044	2,243,663
Cash value of life insurance	2,097,322	1,587,436
Prepaid FDIC premiums	0	163,999
Income tax refunds receivable	'	166,590
Other assets	1,806,574	1,442,841
Total assets	171,856,626	179,046,161
Deposits:	'	'
Non-interest bearing	5,015,782	4,313,635
Interest bearing	142,644,024	150,761,010
Total deposits	147,659,806	155,074,645
Accrued interest payable	2,780	806
Other liabilities	2,728,591	2,686,620
Total liabilities	150,391,177	157,762,071
Redeemable common stock held by ESOP plan	290,144	237,712
Stockholders' Equity	'	'
Common stock, $.01 par value, 12,000,000 shares authorized; 2,224,911 shares issued	22,249	22,249
Additional paid-in-capital	8,704,577	8,705,547
Retained earnings	14,325,324	13,689,967
Unallocated ESOP shares	-317,975	-356,132
Unearned management recognition plan shares	-24,359	-33,977
Accumulated other comprehensive (loss) income	-32,249	468,554
	22,677,567	22,496,208
Treasury stock, at cost; 106,932 shares	-1,212,118	-1,212,118
Maximum cash obligation related to ESOP shares	-290,144	-237,712
Total stockholders' equity	21,175,305	21,046,378
Total liabilities and stockholders' equity	$171,856,626	$179,046,161

Consolidated_Balance_Sheets_Cu1

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Securities held to maturity at fair value (in Dollars)	'	$13
Allowance for loan losses (in Dollars)	$3,214,275	$3,381,441
Common stock par value (in Dollars per share)	$0.01	$0.01
Common stock, shares authorized	12,000,000	12,000,000
Common stock, shares issued	2,224,911	2,224,911
Treasury shares shares	106,932	106,932

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income:	'	'	'	'
Interest and fees on loans	$1,494,762	$1,707,929	$4,760,905	$5,290,545
Securities:	'	'	'	'
Residential mortgage-backed and related securities	114,339	146,188	334,534	498,755
U.S. agency securities	0	4,875	0	38,297
State and municipal securities	69,255	59,010	196,725	151,082
Dividends on non-marketable equity securities	831	1,233	2,544	3,094
Interest-bearing deposits	1,233	508	4,302	3,081
Total interest and dividend income	1,680,420	1,919,743	5,299,010	5,984,854
Interest expense:	'	'	'	'
Deposits	343,977	530,132	1,152,505	1,669,763
Borrowings	0	0	0	1
Total interest expense	343,977	530,132	1,152,505	1,669,764
Net interest income	1,336,443	1,389,611	4,146,505	4,315,090
Provision for loan losses	225,000	330,000	775,000	1,332,000
Net interest income after provision for loan losses	1,111,443	1,059,611	3,371,505	2,983,090
Other income:	'	'	'	'
Gain on sale of securities	0	0	0	13,948
Gain on sale of loans	18,216	18,674	64,961	77,046
Gain on sale of OREO	'	27,014	-4,177	96,736
Origination of mortgage servicing rights, net of amortization	3,005	-5,791	7,659	-3,040
Customer service fees	80,645	73,125	224,059	212,421
(Loss) income on bank owned life insurance	-2,441	7,827	9,886	23,230
Other	16,039	21,979	174,596	51,815
Total other income	115,464	142,828	481,161	472,156
Other expenses:	'	'	'	'
Salaries and employee benefits	388,535	399,340	1,144,192	1,102,630
Directors fees	25,200	21,000	75,600	63,000
Occupancy	115,589	111,193	336,002	328,260
Deposit insurance premium	56,999	61,283	171,663	181,722
Legal and professional services	80,435	53,333	222,803	165,062
Data processing	68,497	81,143	218,968	242,407
Valuation adjustments and expenses on foreclosed real estate	71,956	60,913	246,988	106,957
Loss on sale of OREO	18,327	'	4,177	'
Loss on sale of repossessed assets	'	'	385	14,472
Loss on consumer loans	0	0	0	41,514
Other	130,977	120,728	429,348	378,131
Total other expenses	956,515	908,933	2,850,126	2,624,155
Income before income tax expense	270,392	293,506	1,002,540	831,091
Income tax expense	101,557	114,836	367,183	257,543
Net income	$168,835	$178,670	$635,357	$573,548
Basic earnings per share (in Dollars per share)	$0.08	$0.09	$0.31	$0.28
Diluted earnings per share (in Dollars per share)	$0.08	$0.09	$0.31	$0.27

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income	$168,835	$178,670	$635,357	$573,548
Securities available for sale:	'	'	'	'
Unrealized holding (losses) gains arising during the period	-90,135	196,624	-758,794	194,189
Reclassification adjustment for (gains) included in net income	'	'	'	-13,948
Other comprehensive (loss) income, before tax	-90,135	196,624	-758,794	180,241
Income tax (benefit) expense related to items of other comprehensive (loss) income	-30,647	66,852	-257,991	61,282
Other comprehensive (loss) income, net of tax	-59,488	129,772	-500,803	118,959
Comprehensive income	$109,347	$308,442	$134,554	$692,507

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities	'	'
Net income	$635,357	$573,548
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	140,218	150,575
Provision for loan losses	775,000	1,332,000
Provision for deferred income taxes	38,608	244,225
Net amortization of premiums and discounts on securities	459,644	373,010
Gain on sale of securities	'	-13,948
Origination of mortgage loans held for sale	-5,042,468	-6,137,409
Proceeds from sale of mortgage loans held for sale	5,278,524	5,818,255
Gain on sale of loans, net	-64,961	-77,046
Origination of mortgage servicing rights, net of amortization	-7,659	3,040
Proceeds from sale of non-mortgage loans held for sale	268,634	'
Loss (gain) on sale of foreclosed real estate	4,177	-96,736
Write down of foreclosed real estate	109,284	13,000
Loss on sale of repossessed assets	385	14,472
Loss on consumer loans	0	41,514
ESOP compensation expense	26,458	20,787
MRP compensation expense	9,617	3,806
Compensation expense on RRP options granted	10,730	7,211
Increase in cash surrender value of life insurance	-9,886	-23,230
Change in assets and liabilities:	'	'
Decrease in prepaid FDIC insurance premiums	163,999	173,648
Decrease in accrued interest receivable	25,929	25,930
Increase in other assets	-316,316	-132,230
Decrease in income tax refunds receivable	166,590	738,658
Increase (decrease) in accrued interest payable and other liabilities	43,944	-29,427
Net cash provided by operating activities	2,715,808	3,023,653
Securities available for sale:	'	'
Purchases	-12,808,383	-8,369,727
Sales, maturities and paydowns	5,501,090	10,574,675
Securities held to maturity:	'	'
Sales, maturities and paydowns	12	2
Purchase of bank-owned life insurance	-500,000	'
Net decrease (increase) in loans	7,220,501	-1,432,228
Net (increase) decrease in federal funds sold	-1,219,000	60,000
Proceeds from sale of foreclosed real estate	829,095	716,691
Proceeds from sale of repossessed assets	4,357	26,616
Purchase of premises and equipment	-8,572	-23,236
Sale of non-marketable equity securities	100,900	1,200,516
Net cash (used in) provided by investing activities	-880,000	2,753,309
Cash Flows from Financing Activities	'	'
Net decrease in deposits	-7,414,838	-1,410,414
Net cash used in financing activities	-7,414,838	-1,410,414
Net (decrease) increase in cash and cash equivalents	-5,579,030	4,366,548
Cash and cash equivalents:	'	'
Beginning	10,787,989	2,945,465
Ending	5,208,959	7,312,013
Cash payments for:	'	'
Income taxes paid, net of (refunds) received	295,217	-794,787
Supplemental Schedule of Noncash Investing and Financing Activities	'	'
Real estate acquired through or in lieu of foreclosure	552,662	1,592,746
Other assets acquired in settlement of loans	44,500	20,600
Sale of foreclosed real estate through loan origination	'	397,736
Transfer of non-mortgage loans to held for sale	268,634	'
Deferred gains on the sale of OREO properties	'	17,618
Increase in ESOP put option liability	52,432	72,666
Depositors [Member]	'	'
Cash payments for:	'	'
Interest Paid	1,150,531	1,663,581
Interest Paid on Borrowings [Member]	'	'
Cash payments for:	'	'
Interest Paid	'	$1

Note_1_Nature_Of_Business

Note 1 - Nature Of Business	9 Months Ended
	Sep. 30, 2013
Disclosure Text Block [Abstract]	'
Nature of Operations [Text Block]	'
	NOTE 1 – NATURE OF BUSINESS
	Ottawa Savings Bancorp, Inc. (the “Company”) was incorporated under the laws of the United States on July 11, 2005, for the purpose of serving as the holding company of Ottawa Savings Bank (the “Bank”), as part of the Bank’s conversion from a mutual to a stock form of organization. The Company is a publicly traded banking company with assets of $171.9 million at September 30, 2013 and is headquartered in Ottawa, Illinois.
	In 2005, the Board of Directors of the Bank unanimously adopted a plan of conversion providing for the conversion of the Bank from an Illinois chartered mutual savings bank to a federally chartered stock savings bank and the purchase of all of the common stock of the Bank by the Company. The depositors of the Bank approved the plan at a meeting held in 2005.
	In adopting the plan, the Board of Directors of the Bank determined that the conversion was advisable and in the best interests of its depositors and the Bank. The conversion was completed in 2005 when the Company issued 1,223,701 shares of common stock to Ottawa Savings Bancorp MHC (a mutual holding company), and 1,001,210 shares of common stock to the public. As of September 30, 2013, Ottawa Savings Bancorp MHC holds 1,223,701 shares of common stock, representing 57.8% of the Company’s common shares outstanding.
	The Bank’s business is to attract deposits from the general public and use those funds to originate and purchase one-to-four family, multi-family and non-residential real estate, construction, commercial and consumer loans, which the Bank primarily holds for investment. The Bank has continually diversified its products to meet the needs of the community.

Note_2_Basis_Of_Presentation

Note 2 - Basis Of Presentation	9 Months Ended
	Sep. 30, 2013
Disclosure Text Block [Abstract]	'
Basis of Accounting [Text Block]	'
	NOTE 2 – BASIS OF PRESENTATION
	The consolidated financial statements presented in this quarterly report include the accounts of the Company and the Bank. The consolidated financial statements of the Company have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and predominant practices followed by the financial services industry, and are unaudited. In the opinion of the Company’s management, all adjustments, consisting of normal recurring adjustments, which the Company considers necessary to fairly state the Company’s financial position and the results of operations and cash flows have been recorded. The interim financial statements should be read in conjunction with the audited financial statements and accompanying notes of the Company for the year ended December 31, 2012. Certain amounts in the accompanying financial statements and footnotes for 2012 have been reclassified with no effect on net income or stockholders’ equity to be consistent with the 2013 classifications. The results of the Company’s operations for any interim period are not necessarily indicative of the results of the Company’s operations for any other interim period or for a full fiscal year.

Note_3_Use_Of_Estimates

Note 3 - Use Of Estimates	9 Months Ended
	Sep. 30, 2013
Policy Text Block [Abstract]	'
Use of Estimates, Policy [Policy Text Block]	'
	NOTE 3 – USE OF ESTIMATES
	The preparation of the financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the consolidated financial statements. Changes in these estimates and assumptions are considered reasonably possible and may have a material impact on the consolidated financial statements and, thus, actual results could differ from the amounts reported and disclosed herein.
	At September 30, 2013, there were no material changes in the Company’s significant accounting policies from those disclosed in the Form 10-K filed with the Securities and Exchange Commission on March 28, 2013. Reference should be made to Note 4 below for explanation of a change the Company made to the calculation it uses to determine historical loss rates that are used in the allowance for loan losses calculation.

Note_4_Critical_Accounting_Pol

Note 4 - Critical Accounting Policies	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Significant Accounting Policies [Text Block]	'
	NOTE 4 – CRITICAL ACCOUNTING POLICIES
	We consider accounting policies involving significant judgments and assumptions by management that have, or could have, a material impact on the carrying value of certain assets or on income to be critical accounting policies. We consider the allowance for loan losses and deferred income taxes to be our critical accounting policies.
	Allowance for Loan Losses. The allowance for loan losses is an amount necessary to absorb known or inherent losses that are both probable and reasonably estimable and is established through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect each borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	Due to changing economic conditions which resulted in reduced charge-offs through June 30, 2013, management evaluated and changed the historical loss period used in the allowance for loan losses calculation during the quarter ended June 30, 2013. Through March 31, 2013, management used the most recent eight quarters of loss history to calculate historical loss rates. The weighting applied to the quarters was graduated, with heavier weightings applied to the most recent quarters of loss history. Beginning with the quarter ended June 30, 2013, management expanded the loss period and began using the most recent twelve quarters of loss history to calculate historical loss rates. The weighting applied to the quarters is still graduated, with heavier weightings applied to the most recent quarters of loss history; however, the weighting applied has a lesser graduation than the previous methodology. The new weighting applies 40% to each of the most recent four quarters and 30% to each of the next eight quarters. Management evaluated the impact of the change in methodology by calculating the allowance for loan losses using both the old methodology and the new methodology at June 30, 2013, and determined that the change in methodology did not have a material impact on the allowance for loan losses as of June 30, 2013.
	A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis using either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
	Deferred Income Taxes. Deferred income tax assets and liabilities are computed for differences between the financial statement and tax basis of assets and liabilities that will result in taxable or deductible amounts in the future based on enacted tax laws and rates applicable to the periods in which the differences are expected to affect taxable income. Deferred tax assets are also recognized for operating loss and tax credit carry-forwards. Accounting guidance requires that companies assess whether a valuation allowance should be established against their deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard.
	Per accounting guidance, the Company reviewed its deferred tax assets at September 30, 2013 and determined that no valuation allowance was necessary. Despite a continued challenging economic environment, the Company has a history of strong earnings, is well-capitalized, and has positive expectations regarding future taxable income.
	The deferred tax asset will be analyzed quarterly to determine if a valuation allowance is warranted. There can be no guarantee that a valuation allowance will not be necessary in future periods. In making such judgments, significant weight is given to evidence that can be objectively verified. In making decisions regarding any valuation allowance, the Company considers both positive and negative evidence and analyzes changes in near-term market conditions as well as other factors which may impact future operating results.

Note_5_Earnings_Per_Share

Note 5 - Earnings Per Share	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	NOTE 5 – EARNINGS PER SHARE
	Basic earnings per share is based on net income divided by the weighted average number of shares outstanding during the period, including allocated and committed-to-be-released Employee Stock Ownership Plan (“ESOP”) shares and vested Management Recognition Plan (“MRP”) shares. Diluted earnings per share show the dilutive effect, if any, of additional common shares issuable under stock options and awards.
		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2013			2012			2013			2012
	Net income available to common stockholders	$	168,835		$	178,670		$	635,357		$	573,548
	Basic potential common shares:
	Weighted average shares outstanding		2,117,979			2,117,979			2,117,979			2,117,979
	Weighted average unallocated ESOP shares		(32,636	)		(37,724	)		(33,895	)		(38,988	)
	Weighted average unvested MRP shares		(6,719	)		(8,899	)		(6,719	)		(8,899	)
	Basic weighted average shares outstanding		2,078,624			2,071,356			2,077,365			2,070,092
	Dilutive potential common shares:
	Weighted average unrecognized compensation on MRP shares		5,028			5,738			5,009			18,753
	Weighted average RRP options outstanding *		-			-			-			-
	Dilutive weighted average shares outstanding		2,083,652			2,077,094			2,082,374			2,088,845
	Basic earnings per share	$	0.08		$	0.09		$	0.31		$	0.28
	Diluted earnings per share	$	0.08		$	0.09		$	0.31		$	0.27
	* The effect of share options was not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Note_6_Employee_Stock_Ownershi

Note 6 - Employee Stock Ownership Plan	9 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
Pension and Other Postretirement Benefits Disclosure [Text Block]	'
	NOTE 6 – EMPLOYEE STOCK OWNERSHIP PLAN
	On July 11, 2005, the Company adopted an ESOP for the benefit of substantially all employees. Upon adoption of the ESOP, the ESOP borrowed $763,140 from the Company and used those funds to acquire 76,314 shares of the Company's stock in the initial public offering at a price of $10.00 per share.
	Shares purchased by the ESOP with the loan proceeds are held in a suspense account and are allocated to ESOP participants on a pro rata basis as principal and interest payments are made by the ESOP to the Company. The loan is secured by shares purchased with the loan proceeds and will be repaid by the ESOP with funds from the Company’s discretionary contributions to the ESOP and earnings on the ESOP assets. Annual principal and interest payments of approximately $77,000 are to be made by the ESOP.
	As shares are released from collateral, the Company will report compensation expense equal to the current market price of the shares, and the shares will become outstanding for earnings-per-share (“EPS”) computations. Dividends on allocated ESOP shares reduce retained earnings, and dividends on unallocated ESOP shares reduce accrued interest.
	A terminated participant or the beneficiary of a deceased participant who received a distribution of employer stock from the ESOP has the right to require the Company to purchase such shares at their fair market value any time within 60 days of the distribution date. If this right is not exercised, an additional 60 day exercise period is available in the year following the year in which the distribution is made and begins after a new valuation of the stock has been determined and communicated to the participant or beneficiary. At September 30, 2013, 36,268 shares at a fair value of $8.00 have been classified as mezzanine capital.
	The following table reflects the status of the shares held by the ESOP:
		September 30,			December 31,
		2013			2012
	Shares allocated		44,517			40,701
	Shares withdrawn from the plan		(8,249	)		(6,250	)
	Unallocated shares		31,797			35,613
	Total ESOP shares		68,065			70,064
	Fair value of unallocated shares	$	254,376		$	245,730

Note_7_Investment_Securities

Note 7 - Investment Securities	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	NOTE 7 – INVESTMENT SECURITIES
	The amortized cost and fair values of securities, with gross unrealized gains and losses, follows:
			Amortized		Gross		Gross		Fair
			Cost		Unrealized		Unrealized		Value
					Gains		Losses
	September 30, 2013:
	Available for Sale
	State and municipal securities		$	8,687,665	$	92,745	$	319,641	$	8,460,769
	Residential mortgage-backed securities			26,313,658		358,672		180,639		26,491,691
			$	35,001,323	$	451,417	$	500,280	$	34,952,460
	December 31, 2012:
	Held to Maturity
	Residential mortgage-backed securities		$	12	$	1	$	-	$	13
	Available for Sale
	State and municipal securities			6,789,496		343,292		12,266		7,120,522
	Residential mortgage-backed securities			21,364,176		478,917		100,012		21,743,081
			$	28,153,672	$	822,209	$	112,278	$	28,863,603
	The amortized cost and fair value at September 30, 2013, by contractual maturity, are shown below. Maturities may differ from contractual maturities in residential mortgage-backed securities because the mortgages underlying the securities may be called or prepaid without penalties. Therefore, stated maturities of residential mortgage-backed securities are not disclosed.
			Securities Available for Sale
			Amortized		Fair
			Cost		Value
	Due after three months through one year		$	-	$	-
	Due after one year through five years			-		-
	Due after five years through ten years			3,336,855		3,309,690
	Due after ten years			5,350,810		5,151,079
	Residential mortgage-backed securities			26,313,658		26,491,691
			$	35,001,323	$	34,952,460
	The following table reflects securities with gross unrealized losses for less than 12 months and for 12 months or more at September 30, 2013 and December 31, 2012:
			Less than 12 Months				12 Months or More				Total
			Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
			Value		Losses		Value		Losses		Value		Losses
	30-Sep-13
	Securities Available for Sale
	State and municipal securities		$	4,883,362	$	319,641	$	-	$	-	$	4,883,362	$	319,641
	Residential mortgage-backed securities			9,716,208		149,394		1,746,935		31,245		11,463,143		180,639
			$	14,599,570	$	469,035	$	1,746,935	$	31,245	$	16,346,505	$	500,280
	31-Dec-12
	Securities Available for Sale
	State and municipal securities		$	1,160,173	$	12,266	$	-	$	-	$	1,160,173	$	12,266
	Residential mortgage-backed securities			4,318,926		73,606		2,587,548		26,406		6,906,474		100,012
			$	5,479,099	$	85,872	$	2,587,548	$	26,406	$	8,066,647	$	112,278
	Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (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 prospects of the issuer, and (3) the intent and ability to retain and whether it is not more likely than not the Company will be required to sell its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and industry analysts’ reports.
	At September 30, 2013, 26 securities had unrealized losses with an aggregate depreciation of 2.97% from the Company’s amortized cost basis. The Company does not consider these investments to be other than temporarily impaired at September 30, 2013 due to the following:
		●	Decline in value is attributable to interest rates.
		●	The value did not decline due to credit quality.
		●	The Company does not intend to sell these securities.
		●	The Company has adequate liquidity such that it will not more likely than not have to sell these securities before recovery of the amortized cost basis, which may be at maturity.
	There were no proceeds from the sales of securities for the three months ended September 30, 2013 and 2012, resulting in no realized gains or losses for the three months ended September 30, 2013 and 2012.
	There were no proceeds from the sales of securities for the nine months ended September 30, 2013 and proceeds of $3.0 million for the nine months ended September 30, 2012. There were no realized gains for the nine months ended September 30, 2013 and gross realized gains of $58,614 for the nine months ended September 30, 2012. There were no realized losses for the nine months ended September 30, 2013 and gross realized losses of $44,666 for the nine months ended September 30, 2012. The tax provision applicable to these net realized gains amounted to none and $4,742, respectively.

Note_8_Loans_and_Allowance_for

Note 8 - Loans and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	NOTE 8 – LOANS AND ALLOWANCE FOR CREDIT LOSSES
	The components of loans, net of deferred loan costs (fees), are as follows:
			September 30,			December 31,
			2013			2012
	Mortgage loans:
	One-to-four family residential loans		$	78,606,568		$	83,018,756
	Multi-family residential loans			2,794,137			4,849,766
	Total mortgage loans			81,400,705			87,868,522
	Other loans:
	Non-residential real estate loans			18,542,330			20,506,860
	Commercial loans			6,797,594			8,648,191
	Consumer direct			513,581			542,652
	Purchased auto			9,093,619			7,810,067
	Total other loans			34,947,124			37,507,770
	Gross loans			116,347,829			125,376,292
	Less: Allowance for loan losses			(3,214,275	)		(3,381,441	)
	Loans, net		$	113,133,554		$	121,994,851
	Purchases of loans receivable, segregated by class of loans, for the periods indicated were as follows:
			Three Months Ended						Nine Months Ended
			September 30,						September 30,
			2013			2012			2013			2012
	Purchased auto		$	510,729		$	504,550		$	3,536,965		$	5,351,138
	Net (charge-offs) / recoveries, segregated by class of loans, for the periods indicated were as follows:
			Three Months Ended						Nine Months Ended
			September 30,						September 30,
			2013			2012			2013			2012
	One-to-four family		$	(523,236	)	$	(763,244	)	$	(705,543	)	$	(2,000,218	)
	Multi-family			(286,906	)		-			(286,906	)		(133,429	)
	Non-residential			(54,591	)		(183,257	)		52,596			(271,021	)
	Commercial			-			-			-			(7,259	)
	Consumer direct			(647	)		(379	)		(647	)		(350	)
	Purchased auto			4,433			(8,656	)		(1,666	)		(8,546	)
	Net (charge-offs)/recoveries		$	(860,947	)	$	(955,536	)	$	(942,166	)	$	(2,420,823	)
	The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2013 and 2012:
	30-Sep-13		One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of period		$	2,908,642		$	55,991		$	713,094		$	83,560		$	3,674		$	85,261		$	3,850,222
	Provision charged to income			(30,762	)		377,410			(60,564	)		(52,086	)		(1,294	)		(7,704	)		225,000
	Loans charged off			(528,313	)		(286,906	)		(54,680	)		-			(647	)		-			(870,546	)
	Recoveries of loans previously charged off			5,077			-			89			-			-			4,433			9,599
	Balance at end of period		$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
	30-Sep-12		One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of period		$	2,753,034		$	201,375		$	1,226,121		$	45,355		$	7,746		$	50,494		$	4,284,125
	Provision charged to income			483,059			(9,062	)		(175,009	)		(11,797	)		(5,588	)		48,397			330,000
	Loans charged off			(763,244	)		-			(183,257	)		-			(531	)		(11,042	)		(958,074	)
	Recoveries of loans previously charged off			-			-			-			-			152			2,386			2,538
	Balance at end of period		$	2,472,849		$	192,313		$	867,855		$	33,558		$	1,779		$	90,235		$	3,658,589
	The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2013 and 2012:
	30-Sep-13		One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of year		$	2,057,336		$	161,901		$	1,012,119		$	75,130		$	1,465		$	73,490		$	3,381,441
	Provision charged to income			1,002,851			271,500			(466,776	)		(43,656	)		915			10,166			775,000
	Loans charged off			(715,620	)		(286,906	)		(83,587	)		-			(647	)		(9,596	)		(1,096,356	)
	Recoveries of loans previously charged off			10,077			-			136,183			-			-			7,930			154,190
	Balance at end of period		$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
	30-Sep-12		One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of year		$	3,113,345		$	438,542		$	1,145,889		$	10,571		$	3,578		$	35,487		$	4,747,412
	Provision charged to income			1,359,722			(112,800	)		(7,013	)		30,246			(1,449	)		63,294			1,332,000
	Loans charged off			(2,007,501	)		(133,429	)		(271,021	)		(7,259	)		(531	)		(14,973	)		(2,434,714	)
	Recoveries of loans previously charged off			7,283			-			-			-			181			6,427			13,891
	Balance at end of period		$	2,472,849		$	192,313		$	867,855		$	33,558		$	1,779		$	90,235		$	3,658,589
	The following table presents the recorded investment in loans and the related allowances allocated by portfolio segment and based on impairment method as of September 30, 2013 and December 31, 2012:
	30-Sep-13		One-to-four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Loans individually evaluated for impairment		$	3,289,437		$	-		$	2,031,956		$	-		$	-		$	-		$	5,321,393
	Loans collectively evaluated for impairment			75,317,131			2,794,137			16,510,374			6,797,594			513,581			9,093,619			111,026,436
Ending Balance		$	78,606,568		$	2,794,137		$	18,542,330		$	6,797,594		$	513,581		$	9,093,619		$	116,347,829
Period-end amount allocated to:
Loans individually evaluated for impairment		$	492,409		$	-		$	8,771		$	-		$	-		$	-		$	501,180
Loans collectively evaluated for impairment			1,862,235			146,495			589,168			31,474			1,733			81,990			2,713,095
Balance at end of period		$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
31-Dec-12		One-to-four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
Loans individually evaluated for impairment		$	2,891,821		$	-		$	2,726,297		$	-		$	-		$	-		$	5,618,118
Loans collectively evaluated for impairment			80,126,935			4,849,766			17,780,563			8,648,191			542,652			7,810,067			119,758,174
Ending Balance		$	83,018,756		$	4,849,766		$	20,506,860		$	8,648,191		$	542,652		$	7,810,067		$	125,376,292
Period-end amount allocated to:
Loans individually evaluated for impairment		$	147,209		$	-		$	31,208		$	-		$	-		$	-		$	178,417
Loans collectively evaluated for impairment			1,910,127			161,901			980,911			75,130			1,465			73,490			3,203,024
Balance at end of year		$	2,057,336		$	161,901		$	1,012,119		$	75,130		$	1,465		$	73,490		$	3,381,441
The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.
The following table presents loans individually evaluated for impairment, by class of loans, as of September 30, 2013 and December 31, 2012:
30-Sep-13		Unpaid			Recorded			Recorded			Total Recorded Investment			Related Allowance			Average Recorded Investment
		Contractual			Investment			Investment With Allowance
		Principal Balance			With No
					Allowance
One-to-four family		$	3,630,860		$	1,890,588		$	1,398,849		$	3,289,437		$	492,409		$	3,578,310
Multi-family			286,906			-			-			-			-			21,378
Non-residential			4,646,709			2,023,185			8,771			2,031,956			8,771			2,175,093
Commercial			-			-			-			-			-			-
Consumer direct			-			-			-			-			-			-
Purchased auto			-			-			-			-			-			-
		$	8,564,475		$	3,913,773		$	1,407,620		$	5,321,393		$	501,180		$	5,774,781
31-Dec-12		Unpaid			Recorded			Recorded			Total Recorded Investment			Related Allowance			Average Recorded Investment
		Contractual			Investment			Investment With Allowance
		Principal Balance			With No
					Allowance
One-to-four family		$	3,664,253		$	820,150		$	2,071,671		$	2,891,821		$	147,209		$	6,141,106
Multi-family			-			-			-			-			-			104,209
Non-residential			6,596,593			683,589			2,042,708			2,726,297			31,208			1,814,361
Commercial			-			-			-			-			-			605
Consumer direct			-			-			-			-			-			12,057
Purchased auto			-			-			-			-			-			12,057
		$	10,260,846		$	1,503,739		$	4,114,379		$	5,618,118		$	178,417		$	8,084,395
For the three and nine months ended September 30, 2013 and 2012, the Company recognized no accrued or cash basis interest income on impaired loans.
At September 30, 2013, there were 33 impaired loans totaling approximately $5.3 million, compared to 22 impaired loans totaling approximately $5.6 million at December 31, 2012. The change in impaired loans was a result of adding 28 loans totaling approximately $3.0 million to the impaired loan list, offset by writing down and moving seven impaired loans totaling approximately $614,000 to OREO, returning five impaired loans totaling approximately $631,000 to performing status, writing down two impaired loans by a total of approximately $147,000, and restructuring 12 impaired loans using A/B note restructurings in which there were five modified loans at market rates remaining which resulted in charge offs of approximately $616,000. Additionally, there were four impaired loan payoffs totaling approximately $1.2 million, and an impaired loan of approximately $269,000 moved to held for sale which was subsequently sold.
Our loan portfolio also includes certain loans that have been modified in a troubled debt restructuring (“TDR”), where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities and could include reductions in the interest rate, payment extensions, forbearance or other actions. TDRs are classified as nonperforming at the time of restructuring and typically are returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six months.
When we modify loans in a TDR, we evaluate any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, or use the current fair value of the collateral, less estimated selling costs, for collateral dependent loans. If we determine that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, we evaluate all TDRs, including those that have payment defaults, for possible impairment and recognize impairment through the allowance.
Impaired loans at September 30, 2013 included $3.5 million of loans whose terms have been modified in troubled debt restructurings compared to $3.1 million at December 31, 2012. The restructured loans are being monitored as they have not attained per accounting guidelines the performance requirements for the set time period to achieve being returned to accrual status.
Loans classified as troubled debt restructuring during the three and nine months ended September 30, 2013 and 2012, segregated by class are shown in the tables below.
		Three Months Ended									Three Months Ended
		30-Sep-13									30-Sep-12
		Number of Modifications			Recorded			Increase in			Number of Modifications			Recorded			Increase in
					Investment			Allowance						Investment			Allowance
		(as of period end)									(as of period end)
One-to-four family			5		$	657,180		$	-			5		$	509,875		$	-
Multi-family			-			-			-			-			-			-
Non-residential			-			-			-			-			-			-
Commercial			-			-			-			-			-			-
Consumer direct			-			-			-			-			-			-
Purchased auto			-			-			-			-			-			-
			5		$	657,180		$	-			5		$	509,875		$	-
During the three months ended September 30, 2013, all five of the one-to-four family loan modifications were classified as TDRs due to A/B note restructurings which involved principal reductions. One of the new modifications paid-off two existing TDRs, with one new note at a market rate. Another of the new modifications restructured 7 impaired loans into an A/B note structure with the new note at a market rate and the B note being charged off. The other three of the new modifications restructured 3 impaired loans for the same borrower into three A/B note structures with three new notes at market rates and the associated B notes being charged off. Total charge-offs were $616,000 for these TDRs.
		Nine Months Ended									Nine Months Ended
		30-Sep-13									30-Sep-12
		Number of Modifications			Recorded			Increase in			Number of Modifications			Recorded			Increase in  Allowance
					Investment			Allowance						Investment
		(as of period end)									(as of period end)
One-to-four family			5		$	657,180		$	-			6		$	629,770		$	-
Multi-family			-			-			-			-			-			-
Non-residential			-			-			-			-			-			-
Commercial			-			-			-			-			-			-
Consumer direct			-			-			-			-			-			-
Purchased auto			-			-			-			-			-			-
			5		$	657,180		$	-			6		$	629,770		$	-
Troubled debt restructured loans that were restructured during the twelve months prior to the dates indicated and had payment defaults (i.e., 60 days or more past due following a modification), during the three and nine months ended September 30, 2013 and 2012, segregated by class are shown below.
There were no payment defaults during the three months ended September 30, 2013 and 2012.
		Nine Months Ended						Nine Months Ended
		30-Sep-13						30-Sep-12
		Number of			Recorded			Number of			Recorded
		Defaults			Investment			Defaults			Investment
		(as of period end)						(as of period end)
One-to-four family			-		$	-			1		$	212,014
Multi-family			-			-			-			-
Non-residential			-			-			-			-
Commercial			-			-			-			-
Consumer direct			-			-			-			-
Purchased auto			-			-			-			-
			-		$	-			1		$	212,014
All TDRs are evaluated for possible impairment and any impairment identified is recognized through the allowance. Additionally, the qualitative factors are updated quarterly for trends in economic and nonperforming factors, including consideration of TDRs.
The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual status, by class of loans, as of September 30, 2013 and December 31, 2012:
30-Sep-13		Nonaccrual			Loans Past Due
					Over 90 Days Still
					Accruing
One-to-four family		$	3,384,846		$	-
Multi-family			-			-
Non-residential			2,031,956			-
Commercial			-			-
Consumer direct			-			-
Purchased auto			-			-
		$	5,416,802		$	-
31-Dec-12		Nonaccrual			Loans Past Due
					Over 90 Days Still
					Accruing
One-to-four family		$	3,067,190		$	106,457
Multi-family			-			-
Non-residential			2,985,987			164,305
Commercial			-			-
Consumer direct			-			-
Purchased auto			-			-
		$	6,053,177		$	270,762
The following table presents the aging of the recorded investment in loans, by class of loans, as of September 30, 2013 and December 31, 2012:
30-Sep-13		Loans 30-59			Loans 60-			Loans 90 or			Total Past			Current Loans			Total Loans
		Days Past			89 Days			More Days			Due Loans
		Due			Past Due			Past Due
One-to-four family		$	2,437,129		$	300,780		$	897,682		$	3,635,591		$	74,970,977		$	78,606,568
Multi-family			265,611			-			-			265,611			2,528,526			2,794,137
Non-residential			436,748			235,000			-			671,748			17,870,582			18,542,330
Commercial			-			-			-			-			6,797,594			6,797,594
Consumer direct			-			-			-			-			513,581			513,581
Purchased auto			-			-			-			-			9,093,619			9,093,619
		$	3,139,488		$	535,780		$	897,682		$	4,572,950		$	111,774,879		$	116,347,829
31-Dec-12		Loans 30-59			Loans 60-			Loans 90 or			Total Past			Current Loans			Total Loans
		Days Past			89 Days			More Days			Due Loans
		Due			Past Due			Past Due
One-to-four family		$	2,322,111		$	616,274		$	1,621,408		$	4,559,793		$	78,458,963		$	83,018,756
Multi-family			97,267			-			-			97,267			4,752,499			4,849,766
Non-residential			473,458			334,389			516,414			1,324,261			19,182,599			20,506,860
Commercial			23,601			-			-			23,601			8,624,590			8,648,191
Consumer direct			-			-			-			-			542,652			542,652
Purchased auto			6,422			19,257			-			25,679			7,784,388			7,810,067
		$	2,922,859		$	969,920		$	2,137,822		$	6,030,601		$	119,345,691		$	125,376,292
Credit Quality Indicators:
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. For commercial and non-residential real estate loans, the Company’s credit quality indicator is internally assigned risk ratings. Each commercial and non-residential real estate loan is assigned a risk rating upon origination. The risk rating is reviewed annually, at a minimum, and on an as needed basis depending on the specific circumstances of the loan.
For residential real estate loans, multi-family, consumer direct and purchased auto loans, the Company’s credit quality indicator is performance determined by delinquency status. Delinquency status is updated regularly by the Company’s loan system for real estate loans, multi-family and consumer direct loans. The Company receives monthly reports on the delinquency status of the purchased auto loan portfolio from the servicing company.
The Company uses the following definitions for risk ratings:
	●	Pass – loans classified as pass are of a higher quality and do not fit any of the other “rated” categories below (e.g. special mention, substandard or doubtful). The likelihood of loss is considered remote.
	●	Special Mention – loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
	●	Substandard – loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
	●	Doubtful – loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.
	●	Not Rated – loans in this bucket are not evaluated on an individual basis.
As of September 30, 2013 and December 31, 2012, the risk category of loans by class is as follows:
30-Sep-13		Pass			Special			Substandard			Doubtful			Not rated
					Mention
One-to-four family		$	-		$	2,284,598		$	3,289,437		$	-		$	73,032,533
Multi-family			-			-			-			-			2,794,137
Non-residential			14,654,770			1,855,604			2,031,956			-			-
Commercial			6,638,131			159,463			-			-			-
Consumer direct			-			859			-			-			512,722
Purchased auto			-			-			-			-			9,093,619
Total		$	21,292,901		$	4,300,524		$	5,321,393		$	-		$	85,433,011
31-Dec-12		Pass			Special			Substandard			Doubtful			Not rated
					Mention
One-to-four family		$	-		$	3,925,077		$	2,891,821		$	-		$	76,201,858
Multi-family			-			3,826			-			-			4,845,940
Non-residential			17,466,220			314,343			2,726,297			-			-
Commercial			8,486,147			162,044			-			-			-
Consumer direct			-			3,766			-			-			538,886
Purchased auto			-			-			-			-			7,810,067
Total		$	25,952,367		$	4,409,056		$	5,618,118		$	-		$	89,396,751

Note_9_Stock_Compensation

Note 9 - Stock Compensation	9 Months Ended
	Sep. 30, 2013
Disclosure Text Block Supplement [Abstract]	'
Shareholders' Equity and Share-based Payments [Text Block]	'
	NOTE 9 – STOCK COMPENSATION
	Total stock-based compensation expense was approximately $20,000 and $11,000 for the nine months ended September 30, 2013 and 2012, respectively. In accordance with FASB ASC 718, Compensation-Stock Compensation, compensation expense is recognized on a straight-line basis over the grantees’ vesting period or to the grantees’ retirement eligibility date, if earlier. During the nine months ended September 30, 2013 and 2012, the Company did not grant additional options or shares under the MRP.

Note_10_Recent_Accounting_Deve

Note 10 - Recent Accounting Developments	9 Months Ended
	Sep. 30, 2013
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	'
	NOTE 10 – RECENT ACCOUNTING DEVELOPMENTS
	In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.  The Update improves the reporting of reclassifications out of accumulated other comprehensive income by requiring an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. The adoption of ASU No. 2013-02 on January 1, 2013 did not have an impact on the Company’s financial position, results of operation or cash flows.

Note_11_Fair_Value_Measurement

Note 11 - Fair Value Measurement and Disclosure	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	NOTE 11 – FAIR VALUE MEASUREMENT AND DISCLOSURE
	FASB ASC Topic 820, Fair Value Measurements and Disclosures, clarifies that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants and is not adjusted for transaction costs. This guidance also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurement inputs) and the lowest priority to unobservable inputs (Level 3 measurement inputs). The three levels of the fair value hierarchy under FASB ASC 820 are described below:
	Basis of Fair Value Measurement:
		•		Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets.
		•		Level 2 - Significant other observable inputs other than Level 1 prices such as quoted prices in markets that are not active, quoted prices for similar assets, or other inputs that are observable, either directly or indirectly, for substantially the full term of the asset.
	20
		•		Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).
	Following is a description of valuation methodologies used for assets and liabilities recorded at fair value:
	Securities Available for Sale
	Securities classified as available for sale are recorded at fair value on a recurring basis using pricing obtained from an independent pricing service. Where quoted market prices are available in an active market, securities are classified within Level 1. The Company has no securities classified within Level 1. If quoted market prices are not available, the pricing service estimates the fair values by using pricing models or quoted prices of securities with similar characteristics. For these securities, the inputs used by the pricing service to determine fair value consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and bonds’ terms and conditions, among other things resulting in classification within Level 2. Level 2 securities include state and municipal securities, and residential mortgage-backed securities. In cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3. The Company has no securities classified within Level 3.
	Foreclosed Assets
	Foreclosed assets consisting of foreclosed real estate and repossessed assets, are adjusted to fair value less estimated costs to sell upon transfer of the loans to foreclosed assets. Subsequently, foreclosed assets are carried at the lower of cost or fair value. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the foreclosed asset as non-recurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the foreclosed asset as non-recurring Level 3.
	Impaired Loans
	Impaired loans are evaluated and adjusted to the lower of carrying value or fair value less estimated costs to sell at the time the loan is identified as impaired. Impaired loans are carried at the lower of cost or fair value.  Fair value is measured based on the value of the collateral securing these loans. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as non-recurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as non-recurring Level 3.
	The Company did not have any transfers of assets or liabilities between Levels 1 and 2 of the fair value hierarchy during the nine months ended September 30, 2013 and the year ended December 31, 2012. The Company’s policy for determining transfers between levels occurs at the end of the reporting period when circumstances in the underlying valuation criteria change and result in transfers between levels.
	The tables below present the recorded amount of assets measured at fair value on a recurring basis at September 30, 2013 and December 31, 2012.
	30-Sep-13		Level 1		Level 2		Level 3		Total
									Fair Value
	State and municipal securities available for sale		$	-	$	8,460,769	$	-	$	8,460,769
	Residential mortgage-backed securities available for sale			-		26,491,691		-		26,491,691
			$	-	$	34,952,460	$	-	$	34,952,460
	31-Dec-12		Level 1		Level 2		Level 3		Total
									Fair Value
	State and municipal securities available for sale		$	-	$	7,120,522	$	-	$	7,120,522
	Residential mortgage-backed securities available for sale			-		21,743,081		-		21,743,081
			$	-	$	28,863,603	$	-	$	28,863,603
	The tables below present the recorded amount of assets measured at fair value on a non-recurring basis at September 30, 2013 and December 31, 2012.
	30-Sep-13		Level 1		Level 2		Level 3		Total
									Fair Value
	Foreclosed assets		$	-	$	-	$	955,785	$	955,785
	Impaired loans, net			-		-		906,440		906,440
	31-Dec-12		Level 1		Level 2		Level 3		Total
									Fair Value
	Foreclosed assets		$	-	$	-	$	1,305,921	$	1,305,921
	Impaired loans, net			-		-		3,597,690		3,597,690
	In accordance with accounting pronouncements, the carrying value and estimated fair value of the Company’s financial instruments as of September 30, 2013 and December 31, 2012 are as follows:
			Carrying		Fair Value Measurements at
					September 30, 2013 using:
			Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents		$	5,208,959	$	5,208,959	$	-	$	-	$	5,208,959
	Federal funds sold			2,885,000		2,885,000		-		-		2,885,000
	Securities			36,185,996		-		36,185,996		-		36,185,996
	Accrued interest receivable			670,709		670,709		-		-		670,709
	Net loans			113,133,554		-		-		114,264,000		114,264,000
	Loans held for sale			-		-		-		-		-
	Mortgage servicing rights			160,532		-		-		160,532		160,532
	Financial Liabilities:
	Non-interest bearing deposits			5,015,782		5,015,782		-		-		5,015,782
	Interest bearing deposits			142,644,024		-		-		142,634,218		142,634,218
	Accrued interest payable			2,780		2,780		-		-		2,780
			Carrying		Fair Value Measurements at
					December 31, 2012 using:
			Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents		$	10,787,989	$	10,787,989	$	-	$	-	$	10,787,989
	Federal funds sold			1,666,000		1,666,000		-		-		1,666,000
	Securities			30,198,051		-		30,198,052		-		30,198,052
	Accrued interest receivable			696,638		696,638		-		-		696,638
	Net loans			121,994,851		-		-		123,748,000		123,748,000
	Loans held for sale			171,095		171,095		-		-		171,095
	Mortgage servicing rights			152,873		-		-		152,873		152,873
	Financial Liabilities:
Non-interest bearing deposits			4,313,635		4,313,635		-		-		4,313,635
Interest bearing deposits			150,761,010		-		-		150,921,365		150,921,365
Accrued interest payable			806		806		-		-		806
The following methods and assumptions were used by the Bank in estimating the fair value of financial instruments:
Cash and Cash Equivalents: The carrying amounts reported in the balance sheets for cash and cash equivalents approximate fair values.
Federal Funds Sold: The carrying amounts reported in the balance sheets for federal funds sold approximate fair values.
Securities: The Company obtains fair value measurements of available for sale securities from an independent pricing service. See Note 11 - Fair Value Measurement and Disclosure for further detail on how fair values of securities available for sale are determined. The carrying value of non-marketable equity securities approximates fair value.
Loans: For variable-rate loans that re-price frequently and with no significant change in credit risk, fair values are based on carrying amounts. The fair values for other loans (for example, fixed rate commercial real estate and rental property mortgage loans and commercial and industrial loans) are estimated using discounted cash flow analysis, based on market interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Loan fair value estimates include judgments regarding future expected loss experience and risk characteristics. Fair values for impaired loans are estimated using underlying collateral values, where applicable or discounted cash flows.
Loans held for sale: The carrying amounts reported in the balance sheets for loans held for sale approximate fair values, as usually these loans are originated with the intent to sell and funding of the sales usually occurs within three days.
Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate fair values.
Mortgage Servicing Rights: The carrying amounts of mortgage servicing rights approximate their fair values.
Deposits: The fair values disclosed for demand deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts and certificates of deposit approximate their fair values. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates currently offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Loan Commitments: Commitments to extend credit were evaluated and fair value was estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counter-parties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The Bank does not charge fees to enter into these agreements. As of September 30, 2013 and December 31, 2012, the fair values of the commitments are immaterial in nature.
In addition, other assets and liabilities of the Bank that are not defined as financial instruments, such as property and equipment are not included in the above disclosures. Also, non-financial instruments typically not recognized in financial statements nevertheless may have value but are not included in the above disclosures. These include, among other items, the estimated earnings power of core deposit accounts, the trained work force, customer goodwill and similar items.

Accounting_Policies_by_Policy_

Accounting Policies, by Policy (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	'
	Allowance for Loan Losses. The allowance for loan losses is an amount necessary to absorb known or inherent losses that are both probable and reasonably estimable and is established through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect each borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	Due to changing economic conditions which resulted in reduced charge-offs through June 30, 2013, management evaluated and changed the historical loss period used in the allowance for loan losses calculation during the quarter ended June 30, 2013. Through March 31, 2013, management used the most recent eight quarters of loss history to calculate historical loss rates. The weighting applied to the quarters was graduated, with heavier weightings applied to the most recent quarters of loss history. Beginning with the quarter ended June 30, 2013, management expanded the loss period and began using the most recent twelve quarters of loss history to calculate historical loss rates. The weighting applied to the quarters is still graduated, with heavier weightings applied to the most recent quarters of loss history; however, the weighting applied has a lesser graduation than the previous methodology. The new weighting applies 40% to each of the most recent four quarters and 30% to each of the next eight quarters. Management evaluated the impact of the change in methodology by calculating the allowance for loan losses using both the old methodology and the new methodology at June 30, 2013, and determined that the change in methodology did not have a material impact on the allowance for loan losses as of June 30, 2013.
	A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis using either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
Income Tax, Policy [Policy Text Block]	'
	Deferred Income Taxes. Deferred income tax assets and liabilities are computed for differences between the financial statement and tax basis of assets and liabilities that will result in taxable or deductible amounts in the future based on enacted tax laws and rates applicable to the periods in which the differences are expected to affect taxable income. Deferred tax assets are also recognized for operating loss and tax credit carry-forwards. Accounting guidance requires that companies assess whether a valuation allowance should be established against their deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard.
	Per accounting guidance, the Company reviewed its deferred tax assets at September 30, 2013 and determined that no valuation allowance was necessary. Despite a continued challenging economic environment, the Company has a history of strong earnings, is well-capitalized, and has positive expectations regarding future taxable income.
	The deferred tax asset will be analyzed quarterly to determine if a valuation allowance is warranted. There can be no guarantee that a valuation allowance will not be necessary in future periods. In making such judgments, significant weight is given to evidence that can be objectively verified. In making decisions regarding any valuation allowance, the Company considers both positive and negative evidence and analyzes changes in near-term market conditions as well as other factors which may impact future operating results.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	In February 2013, the FASB issued ASU No. 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.  The Update improves the reporting of reclassifications out of accumulated other comprehensive income by requiring an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. The adoption of ASU No. 2013-02 on January 1, 2013 did not have an impact on the Company’s financial position, results of operation or cash flows.

Note_5_Earnings_Per_Share_Tabl

Note 5 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2013			2012			2013			2012
	Net income available to common stockholders	$	168,835		$	178,670		$	635,357		$	573,548
	Basic potential common shares:
	Weighted average shares outstanding		2,117,979			2,117,979			2,117,979			2,117,979
	Weighted average unallocated ESOP shares		(32,636	)		(37,724	)		(33,895	)		(38,988	)
	Weighted average unvested MRP shares		(6,719	)		(8,899	)		(6,719	)		(8,899	)
	Basic weighted average shares outstanding		2,078,624			2,071,356			2,077,365			2,070,092
	Dilutive potential common shares:
	Weighted average unrecognized compensation on MRP shares		5,028			5,738			5,009			18,753
	Weighted average RRP options outstanding *		-			-			-			-
	Dilutive weighted average shares outstanding		2,083,652			2,077,094			2,082,374			2,088,845
	Basic earnings per share	$	0.08		$	0.09		$	0.31		$	0.28
	Diluted earnings per share	$	0.08		$	0.09		$	0.31		$	0.27

Note_6_Employee_Stock_Ownershi1

Note 6 - Employee Stock Ownership Plan (Tables)	9 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	'
		September 30,			December 31,
		2013			2012
	Shares allocated		44,517			40,701
	Shares withdrawn from the plan		(8,249	)		(6,250	)
	Unallocated shares		31,797			35,613
	Total ESOP shares		68,065			70,064
	Fair value of unallocated shares	$	254,376		$	245,730

Note_7_Investment_Securities_T

Note 7 - Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Summary of Investment Holdings, Schedule of Investments [Table Text Block]	'
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	September 30, 2013:
	Available for Sale
	State and municipal securities	$	8,687,665	$	92,745	$	319,641	$	8,460,769
	Residential mortgage-backed securities		26,313,658		358,672		180,639		26,491,691
		$	35,001,323	$	451,417	$	500,280	$	34,952,460
	December 31, 2012:
	Held to Maturity
	Residential mortgage-backed securities	$	12	$	1	$	-	$	13
	Available for Sale
	State and municipal securities		6,789,496		343,292		12,266		7,120,522
	Residential mortgage-backed securities		21,364,176		478,917		100,012		21,743,081
		$	28,153,672	$	822,209	$	112,278	$	28,863,603
Investments Classified by Contractual Maturity Date [Table Text Block]	'
		Securities Available for Sale
		Amortized		Fair
		Cost		Value
	Due after three months through one year	$	-	$	-
	Due after one year through five years		-		-
	Due after five years through ten years		3,336,855		3,309,690
	Due after ten years		5,350,810		5,151,079
	Residential mortgage-backed securities		26,313,658		26,491,691
		$	35,001,323	$	34,952,460
Schedule of Unrealized Loss on Investments [Table Text Block]	'
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	30-Sep-13
	Securities Available for Sale
	State and municipal securities	$	4,883,362	$	319,641	$	-	$	-	$	4,883,362	$	319,641
	Residential mortgage-backed securities		9,716,208		149,394		1,746,935		31,245		11,463,143		180,639
		$	14,599,570	$	469,035	$	1,746,935	$	31,245	$	16,346,505	$	500,280
	31-Dec-12
	Securities Available for Sale
	State and municipal securities	$	1,160,173	$	12,266	$	-	$	-	$	1,160,173	$	12,266
	Residential mortgage-backed securities		4,318,926		73,606		2,587,548		26,406		6,906,474		100,012
		$	5,479,099	$	85,872	$	2,587,548	$	26,406	$	8,066,647	$	112,278

Note_8_Loans_and_Allowance_for1

Note 8 - Loans and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
		September 30,			December 31,
		2013			2012
	Mortgage loans:
	One-to-four family residential loans	$	78,606,568		$	83,018,756
	Multi-family residential loans		2,794,137			4,849,766
	Total mortgage loans		81,400,705			87,868,522
	Other loans:
	Non-residential real estate loans		18,542,330			20,506,860
	Commercial loans		6,797,594			8,648,191
	Consumer direct		513,581			542,652
	Purchased auto		9,093,619			7,810,067
	Total other loans		34,947,124			37,507,770
	Gross loans		116,347,829			125,376,292
	Less: Allowance for loan losses		(3,214,275	)		(3,381,441	)
	Loans, net	$	113,133,554		$	121,994,851
	'
		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2013			2012			2013			2012
	Purchased auto	$	510,729		$	504,550		$	3,536,965		$	5,351,138
Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]	'
		Three Months Ended						Nine Months Ended
		September 30,						September 30,
		2013			2012			2013			2012
	One-to-four family	$	(523,236	)	$	(763,244	)	$	(705,543	)	$	(2,000,218	)
	Multi-family		(286,906	)		-			(286,906	)		(133,429	)
	Non-residential		(54,591	)		(183,257	)		52,596			(271,021	)
	Commercial		-			-			-			(7,259	)
	Consumer direct		(647	)		(379	)		(647	)		(350	)
	Purchased auto		4,433			(8,656	)		(1,666	)		(8,546	)
	Net (charge-offs)/recoveries	$	(860,947	)	$	(955,536	)	$	(942,166	)	$	(2,420,823	)
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	'
	30-Sep-13	One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of period	$	2,908,642		$	55,991		$	713,094		$	83,560		$	3,674		$	85,261		$	3,850,222
	Provision charged to income		(30,762	)		377,410			(60,564	)		(52,086	)		(1,294	)		(7,704	)		225,000
	Loans charged off		(528,313	)		(286,906	)		(54,680	)		-			(647	)		-			(870,546	)
	Recoveries of loans previously charged off		5,077			-			89			-			-			4,433			9,599
	Balance at end of period	$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
	30-Sep-12	One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of period	$	2,753,034		$	201,375		$	1,226,121		$	45,355		$	7,746		$	50,494		$	4,284,125
	Provision charged to income		483,059			(9,062	)		(175,009	)		(11,797	)		(5,588	)		48,397			330,000
	Loans charged off		(763,244	)		-			(183,257	)		-			(531	)		(11,042	)		(958,074	)
	Recoveries of loans previously charged off		-			-			-			-			152			2,386			2,538
	Balance at end of period	$	2,472,849		$	192,313		$	867,855		$	33,558		$	1,779		$	90,235		$	3,658,589
	30-Sep-13	One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of year	$	2,057,336		$	161,901		$	1,012,119		$	75,130		$	1,465		$	73,490		$	3,381,441
	Provision charged to income		1,002,851			271,500			(466,776	)		(43,656	)		915			10,166			775,000
	Loans charged off		(715,620	)		(286,906	)		(83,587	)		-			(647	)		(9,596	)		(1,096,356	)
	Recoveries of loans previously charged off		10,077			-			136,183			-			-			7,930			154,190
	Balance at end of period	$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
	30-Sep-12	One-to-Four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Balance at beginning of year	$	3,113,345		$	438,542		$	1,145,889		$	10,571		$	3,578		$	35,487		$	4,747,412
	Provision charged to income		1,359,722			(112,800	)		(7,013	)		30,246			(1,449	)		63,294			1,332,000
	Loans charged off		(2,007,501	)		(133,429	)		(271,021	)		(7,259	)		(531	)		(14,973	)		(2,434,714	)
	Recoveries of loans previously charged off		7,283			-			-			-			181			6,427			13,891
	Balance at end of period	$	2,472,849		$	192,313		$	867,855		$	33,558		$	1,779		$	90,235		$	3,658,589
	30-Sep-13	One-to-four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Loans individually evaluated for impairment	$	3,289,437		$	-		$	2,031,956		$	-		$	-		$	-		$	5,321,393
	Loans collectively evaluated for impairment		75,317,131			2,794,137			16,510,374			6,797,594			513,581			9,093,619			111,026,436
	Ending Balance	$	78,606,568		$	2,794,137		$	18,542,330		$	6,797,594		$	513,581		$	9,093,619		$	116,347,829
	Period-end amount allocated to:
	Loans individually evaluated for impairment	$	492,409		$	-		$	8,771		$	-		$	-		$	-		$	501,180
	Loans collectively evaluated for impairment		1,862,235			146,495			589,168			31,474			1,733			81,990			2,713,095
	Balance at end of period	$	2,354,644		$	146,495		$	597,939		$	31,474		$	1,733		$	81,990		$	3,214,275
	31-Dec-12	One-to-four Family			Multi-family			Non-residential			Commercial			Consumer Direct			Purchased Auto			Total
	Loans individually evaluated for impairment	$	2,891,821		$	-		$	2,726,297		$	-		$	-		$	-		$	5,618,118
	Loans collectively evaluated for impairment		80,126,935			4,849,766			17,780,563			8,648,191			542,652			7,810,067			119,758,174
	Ending Balance	$	83,018,756		$	4,849,766		$	20,506,860		$	8,648,191		$	542,652		$	7,810,067		$	125,376,292
	Period-end amount allocated to:
	Loans individually evaluated for impairment	$	147,209		$	-		$	31,208		$	-		$	-		$	-		$	178,417
	Loans collectively evaluated for impairment		1,910,127			161,901			980,911			75,130			1,465			73,490			3,203,024
	Balance at end of year	$	2,057,336		$	161,901		$	1,012,119		$	75,130		$	1,465		$	73,490		$	3,381,441
Impaired Financing Receivables [Table Text Block]	'
	30-Sep-13	Unpaid			Recorded			Recorded			Total Recorded Investment			Related Allowance			Average Recorded Investment
		Contractual			Investment			Investment With Allowance
		Principal Balance			With No
					Allowance
	One-to-four family	$	3,630,860		$	1,890,588		$	1,398,849		$	3,289,437		$	492,409		$	3,578,310
	Multi-family		286,906			-			-			-			-			21,378
	Non-residential		4,646,709			2,023,185			8,771			2,031,956			8,771			2,175,093
	Commercial		-			-			-			-			-			-
	Consumer direct		-			-			-			-			-			-
	Purchased auto		-			-			-			-			-			-
		$	8,564,475		$	3,913,773		$	1,407,620		$	5,321,393		$	501,180		$	5,774,781
	31-Dec-12	Unpaid			Recorded			Recorded			Total Recorded Investment			Related Allowance			Average Recorded Investment
		Contractual			Investment			Investment With Allowance
		Principal Balance			With No
					Allowance
	One-to-four family	$	3,664,253		$	820,150		$	2,071,671		$	2,891,821		$	147,209		$	6,141,106
	Multi-family		-			-			-			-			-			104,209
	Non-residential		6,596,593			683,589			2,042,708			2,726,297			31,208			1,814,361
	Commercial		-			-			-			-			-			605
	Consumer direct		-			-			-			-			-			12,057
	Purchased auto		-			-			-			-			-			12,057
		$	10,260,846		$	1,503,739		$	4,114,379		$	5,618,118		$	178,417		$	8,084,395
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
		Three Months Ended									Three Months Ended
		30-Sep-13									30-Sep-12
		Number of Modifications			Recorded			Increase in			Number of Modifications			Recorded			Increase in
					Investment			Allowance						Investment			Allowance
		(as of period end)									(as of period end)
	One-to-four family		5		$	657,180		$	-			5		$	509,875		$	-
	Multi-family		-			-			-			-			-			-
	Non-residential		-			-			-			-			-			-
	Commercial		-			-			-			-			-			-
	Consumer direct		-			-			-			-			-			-
	Purchased auto		-			-			-			-			-			-
			5		$	657,180		$	-			5		$	509,875		$	-
		Nine Months Ended									Nine Months Ended
		30-Sep-13									30-Sep-12
		Number of Modifications			Recorded			Increase in			Number of Modifications			Recorded			Increase in  Allowance
					Investment			Allowance						Investment
		(as of period end)									(as of period end)
	One-to-four family		5		$	657,180		$	-			6		$	629,770		$	-
	Multi-family		-			-			-			-			-			-
	Non-residential		-			-			-			-			-			-
	Commercial		-			-			-			-			-			-
	Consumer direct		-			-			-			-			-			-
	Purchased auto		-			-			-			-			-			-
			5		$	657,180		$	-			6		$	629,770		$	-
Troubled Debt Restructurings With Payment Defaults [Table Text Block]	'
		Nine Months Ended						Nine Months Ended
		30-Sep-13						30-Sep-12
		Number of			Recorded			Number of			Recorded
		Defaults			Investment			Defaults			Investment
		(as of period end)						(as of period end)
	One-to-four family		-		$	-			1		$	212,014
	Multi-family		-			-			-			-
	Non-residential		-			-			-			-
	Commercial		-			-			-			-
	Consumer direct		-			-			-			-
	Purchased auto		-			-			-			-
			-		$	-			1		$	212,014
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	30-Sep-13	Nonaccrual			Loans Past Due
					Over 90 Days Still
					Accruing
	One-to-four family	$	3,384,846		$	-
	Multi-family		-			-
	Non-residential		2,031,956			-
	Commercial		-			-
	Consumer direct		-			-
	Purchased auto		-			-
		$	5,416,802		$	-
	31-Dec-12	Nonaccrual			Loans Past Due
					Over 90 Days Still
					Accruing
	One-to-four family	$	3,067,190		$	106,457
	Multi-family		-			-
	Non-residential		2,985,987			164,305
	Commercial		-			-
	Consumer direct		-			-
	Purchased auto		-			-
		$	6,053,177		$	270,762
Past Due Financing Receivables [Table Text Block]	'
	30-Sep-13	Loans 30-59			Loans 60-			Loans 90 or			Total Past			Current Loans			Total Loans
		Days Past			89 Days			More Days			Due Loans
		Due			Past Due			Past Due
	One-to-four family	$	2,437,129		$	300,780		$	897,682		$	3,635,591		$	74,970,977		$	78,606,568
	Multi-family		265,611			-			-			265,611			2,528,526			2,794,137
	Non-residential		436,748			235,000			-			671,748			17,870,582			18,542,330
	Commercial		-			-			-			-			6,797,594			6,797,594
	Consumer direct		-			-			-			-			513,581			513,581
	Purchased auto		-			-			-			-			9,093,619			9,093,619
		$	3,139,488		$	535,780		$	897,682		$	4,572,950		$	111,774,879		$	116,347,829
	31-Dec-12	Loans 30-59			Loans 60-			Loans 90 or			Total Past			Current Loans			Total Loans
		Days Past			89 Days			More Days			Due Loans
		Due			Past Due			Past Due
	One-to-four family	$	2,322,111		$	616,274		$	1,621,408		$	4,559,793		$	78,458,963		$	83,018,756
	Multi-family		97,267			-			-			97,267			4,752,499			4,849,766
	Non-residential		473,458			334,389			516,414			1,324,261			19,182,599			20,506,860
	Commercial		23,601			-			-			23,601			8,624,590			8,648,191
	Consumer direct		-			-			-			-			542,652			542,652
	Purchased auto		6,422			19,257			-			25,679			7,784,388			7,810,067
		$	2,922,859		$	969,920		$	2,137,822		$	6,030,601		$	119,345,691		$	125,376,292
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	30-Sep-13	Pass			Special			Substandard			Doubtful			Not rated
					Mention
	One-to-four family	$	-		$	2,284,598		$	3,289,437		$	-		$	73,032,533
	Multi-family		-			-			-			-			2,794,137
	Non-residential		14,654,770			1,855,604			2,031,956			-			-
	Commercial		6,638,131			159,463			-			-			-
	Consumer direct		-			859			-			-			512,722
	Purchased auto		-			-			-			-			9,093,619
	Total	$	21,292,901		$	4,300,524		$	5,321,393		$	-		$	85,433,011
	31-Dec-12	Pass			Special			Substandard			Doubtful			Not rated
					Mention
	One-to-four family	$	-		$	3,925,077		$	2,891,821		$	-		$	76,201,858
	Multi-family		-			3,826			-			-			4,845,940
	Non-residential		17,466,220			314,343			2,726,297			-			-
	Commercial		8,486,147			162,044			-			-			-
	Consumer direct		-			3,766			-			-			538,886
	Purchased auto		-			-			-			-			7,810,067
	Total	$	25,952,367		$	4,409,056		$	5,618,118		$	-		$	89,396,751

Note_11_Fair_Value_Measurement1

Note 11 - Fair Value Measurement and Disclosure (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	30-Sep-13	Level 1		Level 2		Level 3		Total
								Fair Value
	State and municipal securities available for sale	$	-	$	8,460,769	$	-	$	8,460,769
	Residential mortgage-backed securities available for sale		-		26,491,691		-		26,491,691
		$	-	$	34,952,460	$	-	$	34,952,460
	31-Dec-12	Level 1		Level 2		Level 3		Total
								Fair Value
	State and municipal securities available for sale	$	-	$	7,120,522	$	-	$	7,120,522
	Residential mortgage-backed securities available for sale		-		21,743,081		-		21,743,081
		$	-	$	28,863,603	$	-	$	28,863,603
Fair Value Measurements, Nonrecurring [Table Text Block]	'
	30-Sep-13	Level 1		Level 2		Level 3		Total
								Fair Value
	Foreclosed assets	$	-	$	-	$	955,785	$	955,785
	Impaired loans, net		-		-		906,440		906,440
	31-Dec-12	Level 1		Level 2		Level 3		Total
								Fair Value
	Foreclosed assets	$	-	$	-	$	1,305,921	$	1,305,921
	Impaired loans, net		-		-		3,597,690		3,597,690
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
		Carrying		Fair Value Measurements at
				September 30, 2013 using:
		Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents	$	5,208,959	$	5,208,959	$	-	$	-	$	5,208,959
	Federal funds sold		2,885,000		2,885,000		-		-		2,885,000
	Securities		36,185,996		-		36,185,996		-		36,185,996
	Accrued interest receivable		670,709		670,709		-		-		670,709
	Net loans		113,133,554		-		-		114,264,000		114,264,000
	Loans held for sale		-		-		-		-		-
	Mortgage servicing rights		160,532		-		-		160,532		160,532
	Financial Liabilities:
	Non-interest bearing deposits		5,015,782		5,015,782		-		-		5,015,782
	Interest bearing deposits		142,644,024		-		-		142,634,218		142,634,218
	Accrued interest payable		2,780		2,780		-		-		2,780
		Carrying		Fair Value Measurements at
				December 31, 2012 using:
		Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents	$	10,787,989	$	10,787,989	$	-	$	-	$	10,787,989
	Federal funds sold		1,666,000		1,666,000		-		-		1,666,000
	Securities		30,198,051		-		30,198,052		-		30,198,052
	Accrued interest receivable		696,638		696,638		-		-		696,638
	Net loans		121,994,851		-		-		123,748,000		123,748,000
	Loans held for sale		171,095		171,095		-		-		171,095
	Mortgage servicing rights		152,873		-		-		152,873		152,873
	Financial Liabilities:
	Non-interest bearing deposits		4,313,635		4,313,635		-		-		4,313,635
	Interest bearing deposits		150,761,010		-		-		150,921,365		150,921,365
	Accrued interest payable		806		806		-		-		806

Note_1_Nature_Of_Business_Deta

Note 1 - Nature Of Business (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2005	Dec. 31, 2005
			Ottawa Savings Bancorp MHC [Member]	Ottawa Savings Bancorp MHC [Member]	General Public [Member]
Note 1 - Nature Of Business (Details) [Line Items]	'	'	'	'	'
Assets (in Dollars)	$171,856,626	$179,046,161	'	'	'
Common Stock, Shares, Issued	2,224,911	2,224,911	'	1,223,701	1,001,210
Common Stock, Shares, Outstanding	'	'	1,223,701	'	'
Noncontrolling Interest, Ownership Percentage by Parent	'	'	57.80%	'	'

Note_5_Earnings_Per_Share_Deta

Note 5 - Earnings Per Share (Details) - Earnings Per Share (USD $)	3 Months Ended				9 Months Ended				12 Months Ended
	Sep. 30, 2013		Sep. 30, 2012		Sep. 30, 2013		Sep. 30, 2012		Dec. 31, 2012
Note 5 - Earnings Per Share (Details) - Earnings Per Share [Line Items]	'		'		'		'		'
Net income available to common stockholders (in Dollars)	$168,835		$178,670		$635,357		$573,548		'
Weighted average shares outstanding	2,117,979		2,117,979		2,117,979		2,117,979		'
Weighted average unallocated ESOP shares	'		'		31,797		'		35,613
Weighted average unvested MRP shares	-6,719		-8,899		-6,719		-8,899		'
Basic weighted average shares outstanding	2,078,624		2,071,356		2,077,365		2,070,092		'
Dilutive weighted average shares outstanding	2,083,652		2,077,094		2,082,374		2,088,845		'
Basic earnings per share (in Dollars per share)	$0.08		$0.09		$0.31		$0.28		'
Diluted earnings per share (in Dollars per share)	$0.08		$0.09		$0.31		$0.27		'
Weighted Average Unrecognized Compensation on MRP Shares [Member]	'		'		'		'		'
Note 5 - Earnings Per Share (Details) - Earnings Per Share [Line Items]	'		'		'		'		'
Dilutive Securities	5,028		5,738		5,009		18,753		'
Weighted Average RRP Options Outstanding [Member]	'		'		'		'		'
Note 5 - Earnings Per Share (Details) - Earnings Per Share [Line Items]	'		'		'		'		'
Dilutive Securities	0	[1]	0	[1]	'	[1]	'	[1]	'
Weighted Average Number of Shares [Member]	'		'		'		'		'
Note 5 - Earnings Per Share (Details) - Earnings Per Share [Line Items]	'		'		'		'		'
Weighted average unallocated ESOP shares	-32,636		-37,724		-33,895		-38,988		'
[1]	The effect of share options was not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Note_6_Employee_Stock_Ownershi2

Note 6 - Employee Stock Ownership Plan (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Dec. 31, 2012	Jul. 11, 2005
Note 6 - Employee Stock Ownership Plan (Details) [Line Items]	'	'	'
Loan To Employee Stock Ownership Plan (in Dollars)	'	'	$763,140
Employee Stock Ownership Plan (ESOP), Shares in ESOP	68,065	70,064	76,314
Sale of Stock, Price Per Share (in Dollars per share)	'	'	$10
Employee Stock Ownership Plan ESOP Interest and Principal Payments From ESOP (in Dollars)	$77,000	'	'
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares	44,517	40,701	'
Mezzanine Capital [Member]	'	'	'
Note 6 - Employee Stock Ownership Plan (Details) [Line Items]	'	'	'
Fair Value Per Share (in Dollars per share)	$8	'	'
Mezzanine Capital [Member]	'	'	'
Note 6 - Employee Stock Ownership Plan (Details) [Line Items]	'	'	'
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares	36,268	'	'

Note_6_Employee_Stock_Ownershi3

Note 6 - Employee Stock Ownership Plan (Details) - Employee Stock Ownership Plan (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012	Jul. 11, 2005
Employee Stock Ownership Plan [Abstract]	'	'	'
Shares allocated	44,517	40,701	'
Shares withdrawn from the plan	-8,249	-6,250	'
Unallocated shares	31,797	35,613	'
Total ESOP shares	68,065	70,064	76,314
Fair value of unallocated shares (in Dollars)	$254,376	$245,730	'

Note_7_Investment_Securities_D

Note 7 - Investment Securities (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Note 7 - Investment Securities (Details) [Line Items]	'	'	'	'
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	26	'	26	'
Aggregate Percentage Loss on Securities With Unrealized Loss Position	2.97%	'	2.97%	'
Proceeds from Sale and Maturity of Marketable Securities	$0	$0	$0	$3,000,000
Trading Securities, Realized Gain	0	0	0	58,614
Trading Securities, Realized Loss	'	'	0	44,666
Income Tax Expense (Benefit)	101,557	114,836	367,183	257,543
Realized Gain on Securities [Member]	'	'	'	'
Note 7 - Investment Securities (Details) [Line Items]	'	'	'	'
Income Tax Expense (Benefit)	'	'	'	$4,742

Note_7_Investment_Securities_D1

Note 7 - Investment Securities (Details) - The Amortized Cost and Fair Values of Securities (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Available for Sale	'	'
Available for Sale - Amortized Cost	$35,001,323	$28,153,672
Available for Sale - Gross Unrealized Gains	451,417	822,209
Available for Sale - Gross Unrealized Losses	500,280	112,278
Available for Sale - Fair Value	34,952,460	28,863,603
Held to Maturity	'	'
Residential mortgage-backed securities	0	12
Residential mortgage-backed securities	'	13
US States and Political Subdivisions Debt Securities [Member]	'	'
Available for Sale	'	'
Available for Sale - Amortized Cost	8,687,665	6,789,496
Available for Sale - Gross Unrealized Gains	92,745	343,292
Available for Sale - Gross Unrealized Losses	319,641	12,266
Available for Sale - Fair Value	8,460,769	7,120,522
Residential Mortgage Backed Securities [Member]	'	'
Available for Sale	'	'
Available for Sale - Amortized Cost	26,313,658	21,364,176
Available for Sale - Gross Unrealized Gains	358,672	478,917
Available for Sale - Gross Unrealized Losses	180,639	100,012
Available for Sale - Fair Value	26,491,691	21,743,081
Held to Maturity	'	'
Residential mortgage-backed securities	'	12
Residential mortgage-backed securities	'	1
Residential mortgage-backed securities	'	0
Residential mortgage-backed securities	'	$13

Note_7_Investment_Securities_D2

Note 7 - Investment Securities (Details) - The Amortized Cost and Fair Value by Contractual Maturity (USD $)	Sep. 30, 2013	Dec. 31, 2012
Note 7 - Investment Securities (Details) - The Amortized Cost and Fair Value by Contractual Maturity [Line Items]	'	'
Due after three months through one year	$0	'
Due after three months through one year	0	'
Due after one year through five years	0	'
Due after one year through five years	0	'
Due after five years through ten years	3,336,855	'
Due after five years through ten years	3,309,690	'
Due after ten years	5,350,810	'
Due after ten years	5,151,079	'
Amortized Cost	35,001,323	28,153,672
Fair Value	34,952,460	28,863,603
Residential Mortgage Backed Securities [Member]	'	'
Note 7 - Investment Securities (Details) - The Amortized Cost and Fair Value by Contractual Maturity [Line Items]	'	'
Amortized Cost	26,313,658	21,364,176
Fair Value	$26,491,691	$21,743,081

Note_7_Investment_Securities_D3

Note 7 - Investment Securities (Details) - Securities With Gross Unrealized Losses (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Securities Available for Sale	'	'
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Fair Value	$14,599,570	$5,479,099
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	469,035	85,872
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	1,746,935	2,587,548
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	31,245	26,406
Available for Sale Securities - Unrealized Loss Position Fair Value	16,346,505	8,066,647
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	500,280	112,278
US States and Political Subdivisions Debt Securities [Member]	'	'
Securities Available for Sale	'	'
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Fair Value	4,883,362	1,160,173
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	319,641	12,266
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	0	0
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	0	0
Available for Sale Securities - Unrealized Loss Position Fair Value	4,883,362	1,160,173
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	319,641	12,266
Residential Mortgage Backed Securities [Member]	'	'
Securities Available for Sale	'	'
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Fair Value	9,716,208	4,318,926
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	149,394	73,606
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	1,746,935	2,587,548
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	31,245	26,406
Available for Sale Securities - Unrealized Loss Position Fair Value	11,463,143	6,906,474
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	$180,639	$100,012

Note_8_Loans_and_Allowance_for2

Note 8 - Loans and Allowance for Credit Losses (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	33	'	33	'	22
Impaired Financing Receivable, Recorded Investment (in Dollars)	$5,321,393	'	$5,321,393	'	$5,618,118
Financing Receivable, Modifications, Number of Contracts	5	5	5	6	'
Returned to Accrual Status [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Number of Contracts	'	'	28	'	'
Financing Receivable, Modifications, Recorded Investment (in Dollars)	3,000,000	'	3,000,000	'	'
Paid Off or Charged Off [Member] | Restructured Loan (Member)	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	12	'	12	'	'
Paid Off or Charged Off [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down (in Dollars)	616,000	'	616,000	'	'
Troubled Debt Restructurings [Member] | 1-4 Family Loan [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Number of Contracts	5	'	'	'	'
Troubled Debt Restructurings [Member] | New Modification [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Number of Contracts	1	'	'	'	'
Troubled Debt Restructurings [Member] | Paid Off or Charged Off [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Number of Contracts	2	'	'	'	'
Troubled Debt Restructurings [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment (in Dollars)	3,500,000	'	3,500,000	'	3,100,000
Restructured Loan (Member) | One New Note at Market Rate [Member] | New Modification [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	7	'	7	'	'
Restructured Loan (Member) | Three New Notes at a Market Rate [Member] | New Modification [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	3	'	3	'	'
Returned to Performing Status [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	5	'	5	'	'
Impaired Loans Restructured - 3 [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Notes, in Result of Modifications	3	'	3	'	'
Written Down and Moved to OREO [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	5	'	5	'	'
Real Estate Owned, Transfer to Real Estate Owned (in Dollars)	'	'	614,000	'	'
Returned to Performing Status [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Recorded Investment (in Dollars)	631,000	'	631,000	'	'
Written Down [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Number of Impaired Loans	2,000,000	'	2,000,000	'	'
Financing Receivable, Modifications, Recorded Investment (in Dollars)	147,000	'	147,000	'	'
Moved To Held For Sale (Member)	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment (in Dollars)	1,200,000	'	1,200,000	'	'
Financing Receivable, Modifications, Recorded Investment (in Dollars)	269,000	'	269,000	'	'
Number of Impaired Loan Payoffs	4	'	4	'	'
1-4 Family Loan [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment (in Dollars)	$3,289,437	'	$3,289,437	'	$2,891,821
New Modification [Member]	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'	'	'	'
Financing Receivable, Modifications, Number of Contracts	3	'	'	'	'

Note_8_Loans_and_Allowance_for3

Note 8 - Loans and Allowance for Credit Losses (Details) - Components of Loans, Net of Deferred Loan Costs (Fees) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	$116,347,829	'	$125,376,292	'	'	'
Less: Allowance for loan losses	-3,214,275	-3,850,222	-3,381,441	-3,658,589	-4,284,125	-4,747,412
Loans, net	113,133,554	'	121,994,851	'	'	'
1-4 Family Loan [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	78,606,568	'	83,018,756	'	'	'
Multi-family Residential Loans [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	2,794,137	'	4,849,766	'	'	'
Mortgage Receivable [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	81,400,705	'	87,868,522	'	'	'
Non-Residential Loan [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	18,542,330	'	20,506,860	'	'	'
Commercial Loans [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	6,797,594	'	8,648,191	'	'	'
Consumer Direct Loans [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	513,581	'	542,652	'	'	'
Purchased Auto Loans [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	9,093,619	'	7,810,067	'	'	'
Non-Mortgage Loans [Member]	'	'	'	'	'	'
Mortgage loans:	'	'	'	'	'	'
Financing Receivable	$34,947,124	'	$37,507,770	'	'	'

Note_8_Loans_and_Allowance_for4

Note 8 - Loans and Allowance for Credit Losses (Details) - Purchases of Loans Receivable (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Purchases of Loans Receivable [Abstract]	'	'	'	'
Purchased auto	$510,729	$504,550	$3,536,965	$5,351,138

Note_8_Loans_and_Allowance_for5

Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	($225,000)	($330,000)	($775,000)	($1,332,000)
1-4 Family Loan [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	-523,236	-763,244	-705,543	-2,000,218
Multi-Family Loans [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	-286,906	'	-286,906	-133,429
Non-Residential Loan [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	-54,591	-183,257	52,596	-271,021
Commercial Loans [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	'	'	'	-7,259
Consumer Direct Loans [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	-647	-379	-647	-350
Purchased Auto Loans [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	4,433	-8,656	-1,666	-8,546
Allowance for Loan and Lease Losses - Provision For Loss [Member]	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'	'	'
Net (charge-offs)/recoveries	($860,947)	($955,536)	($942,166)	($2,420,823)

Note_8_Loans_and_Allowance_for6

Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2013	Dec. 31, 2012	Jun. 30, 2012	Dec. 31, 2011
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	$3,214,275	$3,658,589	$3,214,275	$3,658,589	$3,850,222	$3,381,441	$4,284,125	$4,747,412
Allowance for Credit Losses - Loans individually evaluated for impairment	5,321,393	'	5,321,393	'	'	5,618,118	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	111,026,436	'	111,026,436	'	'	119,758,174	'	'
Ending Balance	116,347,829	'	116,347,829	'	'	125,376,292	'	'
Loans individually evaluated for impairment	501,180	'	501,180	'	'	178,417	'	'
Loans collectively evaluated for impairment	2,713,095	'	2,713,095	'	'	3,203,024	'	'
Provision charged to income	225,000	330,000	775,000	1,332,000	'	'	'	'
Loans charged off	-870,546	-958,074	-1,096,356	-2,434,714	'	'	'	'
Recoveries of loans previously charged off	9,599	2,538	154,190	13,891	'	'	'	'
1-4 Family Loan [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	2,354,644	2,472,849	2,354,644	2,472,849	2,908,642	2,057,336	2,753,034	3,113,345
Allowance for Credit Losses - Loans individually evaluated for impairment	3,289,437	'	3,289,437	'	'	2,891,821	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	75,317,131	'	75,317,131	'	'	80,126,935	'	'
Ending Balance	78,606,568	'	78,606,568	'	'	83,018,756	'	'
Loans individually evaluated for impairment	492,409	'	492,409	'	'	147,209	'	'
Loans collectively evaluated for impairment	1,862,235	'	1,862,235	'	'	1,910,127	'	'
Provision charged to income	-30,762	483,059	1,002,851	1,359,722	'	'	'	'
Loans charged off	-528,313	-763,244	-715,620	-2,007,501	'	'	'	'
Recoveries of loans previously charged off	5,077	'	10,077	7,283	'	'	'	'
Multi-Family Loans [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	146,495	192,313	146,495	192,313	55,991	161,901	201,375	438,542
Allowance for Credit Losses - Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	2,794,137	'	2,794,137	'	'	4,849,766	'	'
Ending Balance	2,794,137	'	2,794,137	'	'	4,849,766	'	'
Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Loans collectively evaluated for impairment	146,495	'	146,495	'	'	161,901	'	'
Provision charged to income	377,410	-9,062	271,500	-112,800	'	'	'	'
Loans charged off	-286,906	'	-286,906	-133,429	'	'	'	'
Recoveries of loans previously charged off	0	0	0	0	'	'	'	'
Non-Residential Loan [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	597,939	867,855	597,939	867,855	713,094	1,012,119	1,226,121	1,145,889
Allowance for Credit Losses - Loans individually evaluated for impairment	2,031,956	'	2,031,956	'	'	2,726,297	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	16,510,374	'	16,510,374	'	'	17,780,563	'	'
Ending Balance	18,542,330	'	18,542,330	'	'	20,506,860	'	'
Loans individually evaluated for impairment	8,771	'	8,771	'	'	31,208	'	'
Loans collectively evaluated for impairment	589,168	'	589,168	'	'	980,911	'	'
Provision charged to income	-60,564	-175,009	-466,776	-7,013	'	'	'	'
Loans charged off	-54,680	-183,257	-83,587	-271,021	'	'	'	'
Recoveries of loans previously charged off	89	0	136,183	0	'	'	'	'
Commercial Loans [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	31,474	33,558	31,474	33,558	83,560	75,130	45,355	10,571
Allowance for Credit Losses - Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	6,797,594	'	6,797,594	'	'	8,648,191	'	'
Ending Balance	6,797,594	'	6,797,594	'	'	8,648,191	'	'
Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Loans collectively evaluated for impairment	31,474	'	31,474	'	'	75,130	'	'
Provision charged to income	-52,086	-11,797	-43,656	30,246	'	'	'	'
Loans charged off	0	0	0	-7,259	'	'	'	'
Recoveries of loans previously charged off	0	0	0	0	'	'	'	'
Consumer Direct Loans [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	1,733	1,779	1,733	1,779	3,674	1,465	7,746	3,578
Allowance for Credit Losses - Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	513,581	'	513,581	'	'	542,652	'	'
Ending Balance	513,581	'	513,581	'	'	542,652	'	'
Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Loans collectively evaluated for impairment	1,733	'	1,733	'	'	1,465	'	'
Provision charged to income	-1,294	-5,588	915	-1,449	'	'	'	'
Loans charged off	-647	-531	-647	-531	'	'	'	'
Recoveries of loans previously charged off	0	152	0	181	'	'	'	'
Purchased Auto Loans [Member]	'	'	'	'	'	'	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'	'	'	'	'	'	'
Balance	81,990	90,235	81,990	90,235	85,261	73,490	50,494	35,487
Allowance for Credit Losses - Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Allowance for Credit Losses - Loans collectively evaluated for impairment	9,093,619	'	9,093,619	'	'	7,810,067	'	'
Ending Balance	9,093,619	'	9,093,619	'	'	7,810,067	'	'
Loans individually evaluated for impairment	0	'	0	'	'	0	'	'
Loans collectively evaluated for impairment	81,990	'	81,990	'	'	73,490	'	'
Provision charged to income	-7,704	48,397	10,166	63,294	'	'	'	'
Loans charged off	'	-11,042	-9,596	-14,973	'	'	'	'
Recoveries of loans previously charged off	$4,433	$2,386	$7,930	$6,427	'	'	'	'

Note_8_Loans_and_Allowance_for7

Note 8 - Loans and Allowance for Credit Losses (Details) - Loans Individually Evaluated for Impairment (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	$8,564,475	$10,260,846
Recorded Investment With No Allowance	3,913,773	1,503,739
Recorded Investment With Allowance	1,407,620	4,114,379
Total Recorded Investment	5,321,393	5,618,118
Related Allowance	501,180	178,417
Average Recorded Investment	5,774,781	8,084,395
1-4 Family Loan [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	3,630,860	3,664,253
Recorded Investment With No Allowance	1,890,588	820,150
Recorded Investment With Allowance	1,398,849	2,071,671
Total Recorded Investment	3,289,437	2,891,821
Related Allowance	492,409	147,209
Average Recorded Investment	3,578,310	6,141,106
Multi-Family Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	286,906	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	'	0
Average Recorded Investment	21,378	104,209
Non-Residential Loan [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	4,646,709	6,596,593
Recorded Investment With No Allowance	2,023,185	683,589
Recorded Investment With Allowance	8,771	2,042,708
Total Recorded Investment	2,031,956	2,726,297
Related Allowance	8,771	31,208
Average Recorded Investment	2,175,093	1,814,361
Commercial Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	'	0
Average Recorded Investment	'	605
Consumer Direct Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	0	0
Recorded Investment With No Allowance	'	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	'	0
Average Recorded Investment	'	12,057
Purchased Auto Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	'	0
Average Recorded Investment	'	$12,057

Note_8_Loans_and_Allowance_for8

Note 8 - Loans and Allowance for Credit Losses (Details) - Loans Classified As Troubled Debt Restructuring Segregated By Class (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	5	5	5	6
Increase in Allowance	$0	'	$0	'
1-4 Family Loan [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	5	5	5	6
Increase in Allowance	0	'	0	'
1-4 Family Loan [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	657,180	509,875	657,180	509,875
1-4 Family Loan [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	657,180	629,770	657,180	629,770
Multi-Family Loans [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	0	0	0	0
Increase in Allowance	0	0	0	0
Multi-Family Loans [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Multi-Family Loans [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Non-Residential Loan [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	0	0	0	0
Increase in Allowance	0	0	0	0
Non-Residential Loan [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Non-Residential Loan [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Commercial Loans [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	0	0	0	0
Increase in Allowance	0	0	0	0
Commercial Loans [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Commercial Loans [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Consumer Direct Loans [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	0	0	0	0
Increase in Allowance	0	0	0	0
Consumer Direct Loans [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Consumer Direct Loans [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Purchased Auto Loans [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Modifications	0	0	0	0
Increase in Allowance	0	0	0	0
Purchased Auto Loans [Member] | Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Purchased Auto Loans [Member] | Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	0	0	0	0
Three Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	657,180	509,875	657,180	509,875
Nine Month Ending [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Recorded Investment	$657,180	629,770	$657,180	629,770

Note_8_Loans_and_Allowance_for9

Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	1
Recorded Investment	$0	$212,014
1-4 Family Loan [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	1
Recorded Investment	0	212,014
Multi-Family Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	0
Recorded Investment	0	0
Non-Residential Loan [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	0
Recorded Investment	0	0
Commercial Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	0
Recorded Investment	0	0
Consumer Direct Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	'
Recorded Investment	0	0
Purchased Auto Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructured Loans Which Had Payment Defaults [Line Items]	'	'
Number of Defaults	0	0
Recorded Investment	$0	$0

Recovered_Sheet1

Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days (USD $)	Sep. 30, 2013	Dec. 31, 2012
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	$5,416,802	$6,053,177
Loans Past Due Over 90 Days Still Accruing	'	270,762
1-4 Family Loan [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	3,384,846	3,067,190
Loans Past Due Over 90 Days Still Accruing	'	106,457
Multi-Family Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Residential Loan [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	2,031,956	2,985,987
Loans Past Due Over 90 Days Still Accruing	'	164,305
Commercial Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	0	0
Loans Past Due Over 90 Days Still Accruing	'	0
Consumer Direct Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	0	0
Loans Past Due Over 90 Days Still Accruing	'	0
Purchased Auto Loans [Member]	'	'
Note 8 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	0	0
Loans Past Due Over 90 Days Still Accruing	$0	$0

Recovered_Sheet2

Note 8 - Loans and Allowance for Credit Losses (Details) - Aging of the Recorded Investment in Loans (USD $)	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	$3,139,488	$2,922,859
Loans 60-89 Days Past Due	535,780	969,920
Loans 90 or More Days Past Due	897,682	2,137,822
Total Past Due Loans	4,572,950	6,030,601
Current Loans	111,774,879	119,345,691
Total Loans	116,347,829	125,376,292
1-4 Family Loan [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	2,437,129	2,322,111
Loans 60-89 Days Past Due	300,780	616,274
Loans 90 or More Days Past Due	897,682	1,621,408
Total Past Due Loans	3,635,591	4,559,793
Current Loans	74,970,977	78,458,963
Total Loans	78,606,568	83,018,756
Multi-Family Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	265,611	97,267
Loans 60-89 Days Past Due	0	0
Loans 90 or More Days Past Due	0	0
Total Past Due Loans	265,611	97,267
Current Loans	2,528,526	4,752,499
Total Loans	2,794,137	4,849,766
Non-Residential Loan [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	436,748	473,458
Loans 60-89 Days Past Due	235,000	334,389
Loans 90 or More Days Past Due	'	516,414
Total Past Due Loans	671,748	1,324,261
Current Loans	17,870,582	19,182,599
Total Loans	18,542,330	20,506,860
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	'	23,601
Loans 60-89 Days Past Due	0	0
Loans 90 or More Days Past Due	'	0
Total Past Due Loans	'	23,601
Current Loans	6,797,594	8,624,590
Total Loans	6,797,594	8,648,191
Consumer Direct Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	'	0
Loans 60-89 Days Past Due	0	0
Loans 90 or More Days Past Due	'	0
Total Past Due Loans	'	0
Current Loans	513,581	542,652
Total Loans	513,581	542,652
Purchased Auto Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	0	6,422
Loans 60-89 Days Past Due	0	19,257
Loans 90 or More Days Past Due	0	0
Total Past Due Loans	0	25,679
Current Loans	9,093,619	7,784,388
Total Loans	$9,093,619	$7,810,067

Recovered_Sheet3

Note 8 - Loans and Allowance for Credit Losses (Details) - Loans by Risk Category (USD $)	Sep. 30, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	$116,347,829	$125,376,292
1-4 Family Loan [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
1-4 Family Loan [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,284,598	3,925,077
1-4 Family Loan [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	3,289,437	2,891,821
1-4 Family Loan [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
1-4 Family Loan [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	73,032,533	76,201,858
1-4 Family Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	78,606,568	83,018,756
Multi-Family Loans [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Multi-Family Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	'	3,826
Multi-Family Loans [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Multi-Family Loans [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Multi-Family Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,794,137	4,845,940
Multi-Family Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,794,137	4,849,766
Non-Residential Loan [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	14,654,770	17,466,220
Non-Residential Loan [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	1,855,604	314,343
Non-Residential Loan [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,031,956	2,726,297
Non-Residential Loan [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Non-Residential Loan [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Non-Residential Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	18,542,330	20,506,860
Commercial Loans [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	6,638,131	8,486,147
Commercial Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	159,463	162,044
Commercial Loans [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Commercial Loans [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Commercial Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	6,797,594	8,648,191
Consumer Direct Loans [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Consumer Direct Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	859	3,766
Consumer Direct Loans [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Consumer Direct Loans [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Consumer Direct Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	512,722	538,886
Consumer Direct Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	513,581	542,652
Purchased Auto Loans [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Purchased Auto Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Purchased Auto Loans [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Purchased Auto Loans [Member] | Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Purchased Auto Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	9,093,619	7,810,067
Purchased Auto Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	9,093,619	7,810,067
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	21,292,901	25,952,367
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	4,300,524	4,409,056
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	5,321,393	5,618,118
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	0	0
Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	$85,433,011	$89,396,751

Note_9_Stock_Compensation_Deta

Note 9 - Stock Compensation (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Disclosure Text Block Supplement [Abstract]	'	'
Allocated Share-based Compensation Expense	$20,000	$11,000

Note_11_Fair_Value_Measurement2

Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis (USD $)	Sep. 30, 2013	Dec. 31, 2012
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	$34,952,460	$28,863,603
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	8,460,769	7,120,522
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	8,460,769	7,120,522
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	26,491,691	21,743,081
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
Residential Mortgage Backed Securities [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	26,491,691	21,743,081
Fair Value, Inputs, Level 1 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	34,952,460	28,863,603
Fair Value, Inputs, Level 3 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	$0	$0

Note_11_Fair_Value_Measurement3

Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis (USD $)	Sep. 30, 2013	Dec. 31, 2012
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	$907,320	$1,297,214
Impaired loans, net	5,321,393	5,618,118
Fair Value, Inputs, Level 1 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	0	0
Impaired loans, net	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	0	0
Impaired loans, net	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	955,785	1,305,921
Impaired loans, net	906,440	3,597,690
Estimate of Fair Value Measurement [Member]	'	'
Note 11 - Fair Value Measurement and Disclosure (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	955,785	1,305,921
Impaired loans, net	$906,440	$3,597,690

Note_11_Fair_Value_Measurement4

Note 11 - Fair Value Measurement and Disclosure (Details) - Carrying Value and Estimated Fair Value of Financial Instruments (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
Financial Assets:	'	'	'	'
Cash and cash equivalents	$5,208,959	$10,787,989	$7,312,013	$2,945,465
Cash and cash equivalents	5,208,959	10,787,989	'	'
Federal funds sold	2,885,000	1,666,000	'	'
Securities	36,185,996	30,198,051	'	'
Securities	36,185,996	30,198,052	'	'
Accrued interest receivable	670,709	696,638	'	'
Net Loans	113,133,554	121,994,851	'	'
Net Loans	114,264,000	123,748,000	'	'
Loans held for sale	'	171,095	'	'
Loans held for sale	'	171,095	'	'
Mortgage servicing rights	160,532	152,873	'	'
Mortgage servicing rights	160,532	152,873	'	'
Financial Liabilities:	'	'	'	'
Deposits	147,659,806	155,074,645	'	'
Accrued interest payable	2,780	806	'	'
Non-Interest Bearing [Member] | Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial Liabilities:	'	'	'	'
Deposits	5,015,782	4,313,635	'	'
Non-Interest Bearing [Member]	'	'	'	'
Financial Liabilities:	'	'	'	'
Deposits	5,015,782	4,313,635	'	'
Deposits	5,015,782	4,313,635	'	'
Interest Bearing [Member] | Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Financial Liabilities:	'	'	'	'
Deposits	142,634,218	150,921,365	'	'
Interest Bearing [Member]	'	'	'	'
Financial Liabilities:	'	'	'	'
Deposits	142,644,024	150,761,010	'	'
Deposits	142,634,218	150,921,365	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial Assets:	'	'	'	'
Cash and cash equivalents	5,208,959	10,787,989	'	'
Federal funds sold	2,885,000	1,666,000	'	'
Accrued interest receivable	670,709	696,638	'	'
Loans held for sale	'	171,095	'	'
Financial Liabilities:	'	'	'	'
Accrued interest payable	2,780	806	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Financial Assets:	'	'	'	'
Securities	36,185,996	30,198,052	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Financial Assets:	'	'	'	'
Net Loans	114,264,000	123,748,000	'	'
Mortgage servicing rights	$160,532	$152,873	'	'