Ottawa Savings Bancorp 10-K 25 Mar 14 2013 FY Annual report Financial data

Document_And_Entity_Informatio

Document And Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Mar. 25, 2014	Jun. 30, 2013
Document and Entity Information [Abstract]	'	'	'
Entity Registrant Name	'Ottawa Savings Bancorp, Inc.	'	'
Document Type	'10-K	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Common Stock, Shares Outstanding	'	2,117,979	'
Entity Public Float	'	'	$6,817,113
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	31-Dec-13	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
Assets	'	'
Cash and due from banks	$2,174,979	$1,439,637
Interest bearing deposits	4,430,861	9,348,352
Total cash and cash equivalents	6,605,840	10,787,989
Federal funds sold	3,630,000	1,666,000
Securities held to maturity (fair value of $13 at December 31, 2012)	'	12
Securities available for sale	34,547,080	28,863,603
Non-marketable equity securities	1,233,536	1,334,436
Loans, net of allowance for loan losses of $2,910,580 and $3,381,441 at December 31, 2013 and December 31, 2012, respectively	110,672,618	121,994,851
Loans held for sale	'	171,095
Premises and equipment, net	6,451,409	6,629,794
Accrued interest receivable	652,693	696,638
Foreclosed real estate	584,786	1,297,214
Deferred tax assets	2,450,072	2,243,663
Cash value of life insurance	2,096,181	1,587,436
Prepaid FDIC premiums	'	163,999
Income tax refunds receivable	'	166,590
Other assets	1,686,107	1,442,841
Total assets	170,610,322	179,046,161
Deposits:	'	'
Non-interest bearing	5,219,028	4,313,635
Interest bearing	140,549,623	150,761,010
Total deposits	145,768,651	155,074,645
Accrued interest payable	582	806
Other liabilities	3,035,707	2,686,620
Total liabilities	148,804,940	157,762,071
Redeemable common stock held by ESOP plan	319,090	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	8,706,921	8,705,547
Retained earnings	14,619,095	13,689,967
Unallocated ESOP shares	-305,256	-356,132
Unearned management recognition plan shares	-21,024	-33,977
Accumulated other comprehensive (loss) income	-4,485	468,554
	23,017,500	22,496,208
Less:	'	'
Treasury stock, at cost; 106,932 shares	-1,212,118	-1,212,118
Maximum cash obligation related to ESOP shares	-319,090	-237,712
Total stockholders' equity	21,486,292	21,046,378
Total liabilities and stockholders' equity	$170,610,322	$179,046,161

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parentheticals) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Securities held to maturity at fair value (in Dollars)	$0	$13
Allowance for loan losses (in Dollars)	$2,910,580	$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 (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Interest and dividend income:	'	'
Interest and fees on loans	$6,205,611	$7,028,299
Securities:	'	'
Residential mortgage-backed and related securities	469,265	633,118
U.S. agency securities	'	38,297
State and municipal securities	266,135	210,311
Dividends on non-marketable equity securities	5,751	5,418
Interest-bearing deposits	5,460	3,792
Total interest and dividend income	6,952,222	7,919,235
Interest expense:	'	'
Deposits	1,451,959	2,169,642
Borrowings	'	1
Total interest expense	1,451,959	2,169,643
Net interest income	5,500,263	5,749,592
Provision for loan losses	875,000	1,912,000
Net interest income after provision for loan losses	4,625,263	3,837,592
Other income:	'	'
Gain on sale of securities	'	13,948
Gain on sale of loans	66,229	109,059
Gain on sale of OREO, net	-4,323	86,984
Origination of mortgage servicing rights, net of amortization	5,157	-1,307
Customer service fees	299,148	289,815
Income on bank owned life insurance	8,745	30,330
Other	279,887	113,532
Total other income	659,166	642,361
Other expenses:	'	'
Salaries and employee benefits	1,629,301	1,501,839
Directors fees	100,800	87,150
Occupancy	454,966	447,804
Deposit insurance premium	189,111	241,514
Legal and professional services	274,506	219,985
Data processing	289,599	320,034
Valuation adjustments and expenses on foreclosed real estate	335,208	152,088
Loss on sale of OREO, net	4,323	'
Loss on sale of repossessed assets	7,513	18,908
Loss on consumer loans	'	41,514
Other	529,982	504,725
Total other expenses	3,815,309	3,535,561
Income before income tax expense	1,469,120	944,392
Income tax expense	539,992	270,202
Net income	$929,128	$674,190
Basic earnings per share (in Dollars per share)	$0.45	$0.33
Diluted earnings per share (in Dollars per share)	$0.45	$0.32

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Loss) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Net income	$929,128	$674,190
Securities available for sale:	'	'
Unrealized holding (losses) gains arising during the period	-716,726	74,198
Reclassification adjustment for (gains) included in net income	'	-13,948
Other comprehensive (loss) income, before tax	-716,726	60,250
Income tax (benefit) expense related to items of other comprehensive (loss) income	-243,687	20,485
Other comprehensive (loss) income, net of tax	-473,039	39,765
Comprehensive income	$456,089	$713,955

Consolidated_Statements_of_Sto

Consolidated Statements of Stockholders' Equity (USD $)

MRP Stock Awards [Member]

MRP Stock Awards [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

Common Stock [Member]

Additional Paid-in Capital [Member]

Retained Earnings [Member]

Unallocated ESOP Shares [Member]

Unearned MRP Shares [Member]

Accumulated Other Comprehensive Income (Loss) [Member]

Treasury Stock [Member]

Maximum Cash Obligation Related to ESOP Shares [Member]

Total

Unearned MRP Shares [Member]

Additional Paid-in Capital [Member]

Balance at Dec. 31, 2011

'

'

'

'

$22,249

$8,715,905

$13,015,777

($407,008)

($41,119)

$428,789

($1,212,118)

($109,818)

$20,412,657

Net income

'

'

'

'

'

'

674,190

'

'

'

'

'

674,190

Other comprehensive income (loss)

'

'

'

'

'

'

'

'

'

39,765

'

'

39,765

Allocation of ESOP shares

'

'

'

'

'

-21,291

'

50,876

'

'

'

'

29,585

Compensation expense

7,142

7,142

10,933

10,933

'

'

'

'

'

'

'

'

'

Change related to ESOP shares cash obligation

'

'

'

'

'

'

'

'

'

'

'

-127,894

-127,894

Balance at Dec. 31, 2012

'

'

'

'

22,249

8,705,547

13,689,967

-356,132

-33,977

468,554

-1,212,118

-237,712

21,046,378

Net income

'

'

'

'

'

'

929,128

'

'

'

'

'

929,128

Other comprehensive income (loss)

'

'

'

'

'

'

'

'

'

-473,039

'

'

-473,039

Allocation of ESOP shares

'

'

'

'

'

-13,077

'

50,876

'

'

'

'

37,799

Compensation expense

12,953

12,953

14,451

14,451

'

'

'

'

'

'

'

'

'

Change related to ESOP shares cash obligation

'

'

'

'

'

'

'

'

'

'

'

-81,378

-81,378

Balance at Dec. 31, 2013

'

'

'

'

$22,249

$8,706,921

$14,619,095

($305,256)

($21,024)

($4,485)

($1,212,118)

($319,090)

$21,486,292

Consolidated_Statements_of_Sto1

Consolidated Statements of Stockholders' Equity (Parentheticals) (Unallocated ESOP Shares [Member])	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Unallocated ESOP Shares [Member]	'	'
Allocation of ESOP shares	5,087	5,088

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Cash Flows from Operating Activities	'	'
Net income	$929,128	$674,190
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	186,957	200,766
Provision for loan losses	875,000	1,912,000
Provision for deferred income taxes	37,278	426,474
Net amortization of premiums and discounts on securities	595,741	494,413
Gain on sale of securities	'	-13,948
Origination of mortgage loans held for sale	-5,152,718	-8,504,304
Proceeds from sale of mortgage loans held for sale	5,390,042	8,442,268
Gain on sale of loans, net	-66,229	-109,059
Origination of mortgage servicing rights, net of amortization	-5,157	1,307
Proceeds from sale of non-mortgage loans held for sale	268,634	'
Loss (gain) on sale of foreclosed real estate	4,323	-86,984
Write down of foreclosed real estate	161,284	36,798
Loss on sale of repossessed assets	7,513	18,908
Loss on consumer loans	'	41,514
ESOP compensation expense	37,799	29,585
MRP compensation expense	12,953	7,142
Compensation expense on RRP options granted	14,451	10,933
Increase in cash surrender value of life insurance	-8,745	-30,330
Change in assets and liabilities:	'	'
Decrease in prepaid FDIC insurance premiums	163,999	230,798
Decrease (increase) in accrued interest receivable	43,945	-5,271
Increase in other assets	-230,109	-27,450
Decrease in income tax refunds receivable	166,590	572,068
Increase in accrued interest payable and other liabilities	348,863	208,146
Net cash provided by operating activities	3,781,542	4,529,964
Securities available for sale:	'	'
Purchases	-14,099,651	-8,369,727
Sales, maturities and pay-downs	7,103,707	12,092,854
Securities held to maturity:	'	'
Pay-downs	12	3
Purchase of bank-owned life insurance	-500,000	'
Net decrease in loans	9,578,957	1,957,242
Net increase in federal funds sold	-1,964,000	-39,000
Proceeds from sale of foreclosed real estate	1,093,963	1,326,687
Proceeds from sale of repossessed assets	36,987	46,974
Purchase of premises and equipment	-8,572	-29,184
Proceeds from sale of non-marketable equity securities	100,900	1,200,516
Net cash provided by investing activities	1,342,303	8,186,365
Cash Flows from Financing Activities	'	'
Net decrease in deposits	-9,305,994	-4,873,805
Net cash used in financing activities	-9,305,994	-4,873,805
Net (decrease) increase in cash and cash equivalents	-4,182,149	7,842,524
Cash and cash equivalents:	'	'
Beginning	10,787,989	2,945,465
Ending	6,605,840	10,787,989
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	599,642	2,429,291
Other assets acquired in settlement of loans	52,500	34,600
Sale of foreclosed real estate through loan origination	52,500	397,736
Transfer of non-mortgage loans to held for sale	268,634	'
Increase in ESOP put option liability	81,378	127,894
Depositors [Member]	'	'
Cash payments for:	'	'
Interest paid to depositors	1,452,183	2,170,744
Interest paid on borrowings	1,452,183	2,170,744
Interest Paid on Borrowings [Member]	'	'
Cash payments for:	'	'
Interest paid to depositors	'	1
Interest paid on borrowings	'	$1

Note_1_Summary_of_Significant_

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Significant Accounting Policies [Text Block]	'
	Note 1.     Summary of Significant Accounting Policies
	Principles of consolidation
	The accompanying consolidated financial statements include the accounts of Ottawa Savings Bancorp, Inc. (the Company) and its wholly owned subsidiary Ottawa Savings Bank (the Bank). All significant intercompany transactions and balances are eliminated in consolidation.
	Entity structure
	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 December 31, 2013, Ottawa Savings Bancorp MHC holds 1,223,701 shares of common stock, representing 57.8% of the Company’s common shares outstanding.
	Nature of business
	The primary business of the Company is the ownership of the Bank. Through the Bank, the Company is engaged in providing a variety of financial services to individual and corporate customers in the Ottawa, Illinois area, which is primarily an agricultural area consisting of several rural communities with small to medium sized businesses. The Bank’s primary source of revenue is interest and fees related to single-family residential loans to middle-income individuals.
	Use of estimates
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the fair value of securities available for sale, the determination of the allowance for loan losses, valuation of deferred income taxes, and the determination of the liability for postretirement benefits.
	Concentration of credit risk
	Most of the Bank’s business activity is with customers within the local Ottawa area. The Bank does not have any significant concentrations to any one industry or customer.
	Cash and cash equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand and amounts due from banks, including cash items in process of clearing. Cash flows from loans, deposits, and federal funds sold or purchased are treated as net increases or decreases in the statement of cash flows.
	The Company maintains its cash in bank deposit accounts which, at times, may exceed federally insured limits. The Company has not experienced any losses in such accounts. The Company believes it is not exposed to any significant credit risk on cash and cash equivalents.
	Investment securities
	Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and reported at amortized cost.
	Debt securities classified as available for sale are those debt securities that the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movements in interest rates, changes in maturity mix of the Company's assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. The difference between the fair value and amortized cost, adjusted for amortization of premium and accretion of discounts, computed by the interest method over their contractual maturity, results in an unrealized gain or loss. Unrealized gains or losses are reported as accumulated other comprehensive income (loss), net of the related deferred tax effect and are included as a component of stockholders' equity. Gains or losses from the sale of securities are determined using the specific identification method and are included in earnings.  Declines in the fair value of available for sale securities below their amortized cost basis that are deemed to be other than temporary are reflected in earnings as realized losses. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities.
	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 of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.  In addition, management monitors market trends and current events in order to identify trends and circumstances that might impact the carrying value of securities.
	To determine if an “other-than-temporary” impairment (OTTI) exists on an investment security, the Company first determines if (a) it intends to sell the security or (b) it is more likely than not that it will be required to sell the security before its anticipated recovery. If either of the conditions is met, the Company will recognize an “other-than-temporary” impairment in earnings equal to the difference between the security’s fair value and its adjusted cost basis. If neither of the conditions is met, the Company determines (a) the amount of the impairment related to credit loss and (b) the amount of the impairment due to all other factors. The difference between the present values of the cash flows expected to be collected and the amortized cost basis is the credit loss. The credit loss is the portion of the other-than-temporary impairment that is recognized in earnings and is a reduction to the cost basis of the security. The portion of total impairment related to all other factors is included in other comprehensive income (loss).
	Non-marketable equity securities
	Investments in the Federal Home Loan Bank of Chicago, Bankers Bank of Wisconsin, and the Upper Illinois River Valley Development Corporation are carried at cost.
	Loans
	The Bank primarily lends to small and mid-sized businesses, non-residential real estate customers and consumers providing mortgage, commercial and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans throughout Ottawa, Illinois and the surrounding area. The ability of the Bank’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.
	It is the Bank’s policy to review each prospective credit in order to determine the appropriateness and the adequacy of security or collateral prior to making a loan. In the event of borrower default, the Bank seeks recovery in compliance with state lending laws, the Bank’s lending standards, and credit monitoring and remediation procedures.
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are generally reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield over the contractual life of the loan using the interest method.
	The following portfolio segments and classes of loan receivables have been identified by the Company:
		•	Commercial
		•	Non-residential real estate
		•	One-to-four family residential real estate
		•	Multi-family residential real estate
		•	Consumer direct
		•	Purchased auto loans
	Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.
	For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become over 90 days past due (unless the loan is well secured and in the process of collection).
	When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual status.   Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income.
	For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met:
		•	The loan is current, and all principal and interest amounts contractually due have been made,
		•	All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period, and
		•	There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms:
		•	Six months of repayment performance for contractual monthly payments, or
		•	One year of repayment performance for contractual quarterly or semi-annual payments.
	Troubled debt restructuring exists when the Company, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession (either imposed by court order, law, or agreement between the borrower and the Company) to the borrower that it would not otherwise consider. The Company is attempting to maximize its recovery of the balances of the loans through these various concessionary restructurings.
	The following criteria, related to granting a concession, together or separately, create a troubled debt restructuring:
		•	A modification of terms of a debt such as one or a combination of:
		•	The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk.
		•	The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk.
		•	The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement.
		•	The reduction of accrued interest.
		•	A transfer from the borrower to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan.
	Allowance for loan losses
	For all portfolio segments, the allowance for loan losses is an amount necessary to absorb known and inherent losses that are both probable and reasonably estimable and is established through a provision for loan losses charged to earnings. Loan losses, for all portfolio segments, are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
	For all portfolio segments, 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. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. In addition, regulatory agencies, as an integral part of their examination process, periodically review the allowance for loan losses and may require the Company to make additions to the allowance based upon their judgment about information available to them at the time of their examinations.
	The general component consists of quantitative and qualitative factors and covers non-impaired loans. The quantitative factors are based on historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company using the most recent twelve quarters with heavier weighting given to the most recent quarters. The weighting applies 40% to each of the most recent four quarters and 30% to each of the next eight quarters.
	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 from using the most recent eight quarters of loss history to calculate historical loss rates to the twelve quarters of loss history. The weighting applied to the quarters had been graduated, with heavier weightings applied to the most recent quarters of loss history. Going forward 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. 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.
	This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio segment. These qualitative factors include consideration of the following:
		●	Levels of and trends in delinquencies and impaired loans
		●	Levels of and trends in charge-offs and recoveries
		●	Trends in volume and terms of loans
		●	Effects of any changes in risk selection and underwriting standards
		●	Other changes in lending policies, procedures and practices
		●	Experience, ability and depth of lending management and other relevant staff
		●	National and local economic trends and conditions
	●	Industry conditions
	●	Effects of changes in credit concentrations
A loan is considered impaired when, based on current information and events, it is probable that the Company 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 for commercial and non-residential loans by 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.
A discussion of the risk characteristics and the allowance for estimated losses on loans, by each portfolio segment, follows:
For commercial loans, the Company focuses on small and mid-sized businesses that have annual revenues below $5,000,000 with primary operations as wholesalers, manufacturers, building contractors, business services companies, and retailers. The Company provides a wide range of commercial loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. The Company also originates commercial loans through Bankers Health Group (BHG). BHG specializes in loans to healthcare professionals of all specialties throughout the United States. The loans for BHG are primarily comprised of working capital and equipment loans. We underwrite these loans based on our criteria and service the loans in-house. Approval is generally based on the following factors:
	•	Ability and stability of current management of the borrower;
	•	Stable earnings with positive financial trends;
	•	Sufficient cash flow to support debt repayment;
	•	Earnings projections based on reasonable assumptions;
	•	Financial strength of the industry and business; and
	•	Value and marketability of collateral.
Collateral for commercial loans generally includes accounts receivable, inventory, and equipment. The lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The lending policy specifies maximum term limits for commercial loans. For term loans, the maximum term is 5 years. Generally, term loans range from 3 to 5 years. For lines of credit, the maximum term is 365 days. In addition, the Company often takes personal guarantees as support for repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower.
Non-residential real estate loans are subject to underwriting standards and processes similar to commercial loans, in addition to those standards and processes specific to real estate loans. Collateral for non-residential real estate loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The lending policy specifies maximum loan-to-value limits based on the category of non-residential real estate (non-residential real estate loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. The lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees as support for repayment.
Some of the non-residential loans that the Company originates finance the construction of residential dwellings and land development. For land development, the loans generally can be made with a maximum loan to value ratio of 70% and a maximum term up to 10 years. Additionally, the Company will underwrite commercial construction loans for commercial development projects including condominiums, apartment buildings, single-family subdivisions, single-family speculation loans, as well as owner-occupied properties used for business. These loans provide for payment of interest only during the construction phase and may, in the case of an apartment or commercial building, convert to a permanent loan upon completion. In the case of a single family subdivision or construction or builder loan, as individual lots are sold, the principal balance is reduced by a minimum of 80% of the net lot sales price. In the case of a commercial construction loan, the construction period may be from nine months to two years. Loans are generally made to a maximum of 70% of the appraised value as determined by an appraisal of the property made by an independent state certified general real estate appraiser. Periodic inspections are required of the property during the term of the construction loan for both residential and commercial construction loans.
For commercial and non-residential real estate loans, the allowance for estimated losses on loans consists of specific and general components. For loans that are considered impaired as defined above, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.
The Company hires an independent firm to perform a loan review annually to validate the risk ratings on commercial and non-residential loans. Additionally, the reviews include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. They also perform a documentation review on selected loans to determine if the credit is properly documented and closed in accordance with approval authorities and conditions.
Generally, the Company’s one-to-four family real estate loans conform to the underwriting standards of Freddie Mac and Fannie Mae which would allow the Company the ability to resell the loans in the secondary market. The Company structures most loans that will not conform to those underwriting requirements as adjustable rate mortgages that adjust in one, three or five year increments and retains those in its portfolio. The board approved lending policy establishes minimum appraisal and credit underwriting guidelines, The Company also participates with the USDA Rural Development Company to offer loans to qualifying borrowers. USDA guaranteed loans are granted up to 100% of the appraised value and the USDA guarantees up to 90% of the loan. These loans typically require no down payment, but are subject to maximum income limitations.
The Company also originates loans for multi-family dwellings. These loans follow board and regulatory approved underwriting guidelines similar to commercial loans, in addition to those standards and processes specific to real estate loans. Collateral for multi-family real estate loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The board approved lending policy specifies maximum loan-to-value limits based on the type of property. The lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. The policy also specifies minimum ongoing credit administration procedures including the collection of financial statements, tax returns and rent rolls when applicable. Additionally, the Company will take personal guarantees and cross collateralize other assets of the guarantors as support for repayment.
The Company provides many types of installment and other consumer loans including motor vehicle, home improvement, share loans, personal unsecured loans, home equity, and small personal credit lines. The lending policy addresses specific credit guidelines by consumer loan type. Unsecured loans generally have a maximum borrowing limit of $25,000 and a maximum term of four years.
The procedures for underwriting consumer loans include an assessment of the applicant’s payment history on other debts and ability to meet existing obligations and payments on the proposed loans. Although the applicant’s credit-worthiness is a primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount.
The Company purchases auto loans from regulated financial institutions. These types of loans are primarily low balance individual auto loans. The Company reviews the loans at least three days prior to the purchase. Any specific loan can be refused within thirty days of the sale of any given loan pool.
For residential real estate loans, multi-family, consumer direct loans (e.g. installment, in-house auto, other consumer loans, etc.) and purchased auto loans, the allowance for estimated losses on loans consists of a specific and general component. The specific component is evaluated for only loans that are classified as impaired, which is based on current information and events if it is probable that the company will be unable to collect the scheduled payments according to the terms of the agreement. Impairment on these is measured on a case-by-case basis by 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.   For large groups of smaller balance homogenous loans that are under 90 days past due, they are collectively evaluated for impairment. To determine the general component, the Company applies quantitative factors based on historical charge-off experience in total for each segment. Additionally, the historical loss factors are adjusted based on qualitative factors determined by the Company which impact each segment.
For residential real estate loans, multi-family real estate loans, consumer direct loans and purchased auto loans, loans are not risk ranked individually. They are only classified when the borrower is 90 days or more past due or if the borrower has another loan with the Company that is over 90 days past due and dependent upon the same collateral. Under such circumstances, all of the loans connected with the collateral are classified as substandard and these loans are evaluated for impairment.
Troubled debt restructurings are considered impaired loans and are subject to the same allowance methodology as described above for impaired loans by portfolio segment.
Servicing
Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. For sales of mortgage loans, a portion of the cost of originating the loan is allocated to the servicing right based on fair value. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets.
Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as an increase to income.
Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income.
Transfers of financial assets
Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed real estate
Real estate properties acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.
Income taxes
Deferred income tax assets and liabilities are computed quarterly for differences between the financial statement and tax bases 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. Valuation allowances are established when necessary to reduce deferred tax assets to amounts which are more likely than not realizable. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. Income tax expense is the tax payable or refundable for the period plus or minus the change during the period in deferred tax assets and liabilities.
Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation process, if any. A tax position that meets the more likely than not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more likely than not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. The Company has no uncertain tax positions for which a liability has been recorded. The Company is no longer subject to examination by federal or state taxing authorities for the tax year 2009 and the years prior.
Premises and equipment
Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Premises and equipment are depreciated using the straight-line and accelerated depreciation methods over the estimated useful lives of the assets:
		Years
Buildings		5	-	50
Furniture and equipment		5	-	39
Employee stock ownership plan
The Bank has an employee stock ownership plan (ESOP) covering substantially all employees. The cost of shares issued to the ESOP but not yet allocated to participants is presented in the consolidated balance sheets as a reduction of stockholders’ equity. Compensation expense is recorded based on the market price of the shares as they are committed to be released for allocation to participant accounts.
Stock-based compensation
The Company recognizes compensation cost for all stock-based awards based on the estimated grant date fair value. The fair value of stock options are estimated using a Black-Scholes option pricing model and amortized to expense over the option’s vesting periods, as more fully disclosed in Note 11.
Off-balance-sheet financial instruments
Financial instruments include off-balance-sheet credit instruments, such as commitments to originate loans, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Comprehensive income (loss)
Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale net of the related tax effect.
Loss contingencies
Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. In the normal course of business, management will reach settlements over legal issues which are recorded in the period received. Management does not believe there are any such matters that will have a material effect on the consolidated financial statements.
Fair value measurements
In accordance with the provisions of FASB ASC 820, Fair Value Measurements and Disclosures, 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 framework for measuring fair value and expands disclosure of fair value measurements. See Note 15 for additional information.
Fair value of financial instruments
Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
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. See Note 11 for additional information on the MRP and RRP plans.
		Years ended December 31,
		2013			2012
Net income available to common stockholders		$	929,128		$	674,190
Basic potential common shares:
Weighted average shares outstanding			2,117,979			2,117,979
Weighted average unallocated ESOP shares			(33,256	)		(38,349	)
Weighted average unvested MRP shares			(6,488	)		(8,632	)
Basic weighted average shares outstanding			2,078,235			2,070,998
Dilutive potential common shares:
Weighted average unrecognized compensation on MRP shares			5,093			18,445
Weighted average RRP options outstanding *			-			-
Dilutive weighted average shares outstanding			2,083,328			2,089,443
Basic earnings per share		$	0.45		$	0.33
Diluted earnings per share		$	0.45		$	0.32
*The effect of share options for both 2013 and 2012 were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.
Segment reporting
The Company views the Bank as one operating segment, therefore, separate reporting of financial segment information is not considered necessary. The Company approaches the Bank as one business enterprise which operates in a single economic environment since the products and services, types of customers and regulatory environment all have similar characteristics.
Recent accounting pronouncements
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.
In January 2014, the FASB issued ASU No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The update clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar agreement. In addition, the update requires disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure in accordance with local requirements of the applicable jurisdiction. An entity can elect to adopt the amendments using either a modified retrospective method or a prospective transition method. The amendments are effective for annual and interim periods beginning after December 15, 2014, with early adoption permitted. The Company does not expect the adoption of this update to have a significant impact on its financial position, results of operation or cash flows.

Note_2_Restrictions_on_Cash_an

Note 2 - Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2013
Restrictions On Cash And Amounts Due From Banks [Abstract]	'
Restrictions On Cash And Amounts Due From Banks [Text Block]	'
	Note 2.     Restrictions on Cash and Amounts Due from Banks
	At December 31, 2013 and 2012, the Bank was not required to maintain a minimum average balance on hand with the Federal Reserve Bank.

Note_3_Investment_Securities

Note 3 - Investment Securities	12 Months Ended
	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	Note 3.      Investment Securities
	The amortized cost and fair values of investment securities, with gross unrealized gains and losses, follows:
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	December 31, 2013:
	Available for Sale
	State and municipal securities	$	8,676,586	$	80,152	$	312,219	$	8,444,519
	Residential mortgage-backed securities		25,877,289		369,098		143,826		26,102,561
		$	34,553,875	$	449,250	$	456,045	$	34,547,080
	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
	At both December 31, 2013 and 2012, securities with a carrying value of approximately $300,000 were pledged to secure public deposits and for other purposes as required or permitted by law.
	The amortized cost and fair value at December 31, 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 repaid without any 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		3,338,684		3,285,583
	Due after ten years		5,337,902		5,158,936
	Residential mortgage-backed securities		25,877,289		26,102,561
		$	34,553,875	$	34,547,080
	There were no proceeds from the sale of securities in 2013 and proceeds of $3.0 million in 2012. There were no realized gains in 2013 and gross realized gains of $58,614 in 2012. There were no realized losses in 2013 and gross realized losses of $44,666 in 2012. The tax provision applicable to these net realized gains amounted to none and $4,742 in 2013 and 2012, respectively.
	Information pertaining to securities with gross unrealized losses at December 31, 2013 and 2012 aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	31-Dec-13
	Securities Available for Sale
	State and municipal securities	$	4,937,528	$	288,364	$	258,573	$	23,855	$	5,196,101	$	312,219
	Residential mortgage-backed securities		9,832,934		122,774		994,240		21,052		10,827,174		143,826
		$	14,770,462	$	411,138	$	1,252,813	$	44,907	$	16,023,275	$	456,045
	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 December 31, 2013, 27 securities had unrealized losses with aggregate depreciation of 2.77% from the Company’s amortized cost basis. Because the decline in market value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell these securities and it is not more likely than not the Company will be required to sell these securities before recovery of the amortized cost basis, which may be maturity, the Company does not consider these investments to be other than temporarily impaired at December 31, 2013.

Note_4_Loans_and_Allowance_for

Note 4 - Loans and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	Note 4.     Loans and Allowance for Credit Losses (Continued)
	Loans
	The components of loans, net of deferred loan costs (fees), are as follows:
			December 31,				December 31,
			2013				2012
	Residential real estate loans:
	One-to-four family residential loans		$	77,406,656			$	83,018,756
	Multi-family residential loans			2,744,963				4,849,766
	Total residential real estate loans			80,151,619				87,868,522
	Other loans:
	Non-residential real estate loans			17,016,805				20,506,860
	Commercial loans			7,860,312				8,648,191
	Consumer direct			392,273				542,652
	Purchased auto			8,162,189				7,810,067
	Total other loans			33,431,579				37,507,770
	Gross loans			113,583,198				125,376,292
	Less: Allowance for loan losses			(2,910,580	)			(3,381,441	)
	Loans, net		$	110,672,618			$	121,994,851
	Purchases of loans receivable, segregated by class of loans, for the periods indicated were as follows:
			Years Ended December 31,
			2013				2012
	Purchased auto		$	4,048,406			$	5,846,908
	Net (charge-offs), segregated by class of loans, were as follows:
			Years Ended December 31,
			2013				2012
	One-to-four family		$	(1,121,124	)		$	(2,302,726	)
	Multi-family			(267,628	)			(133,430	)
	Non-residential			51,820				(771,745	)
	Commercial			-				(52,573	)
	Consumer direct			(647	)			(351	)
	Purchased auto			(8,282	)			(17,146	)
	Net (charge-offs)/recoveries		$	(1,345,861	)		$	(3,277,971	)
	The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2013 and 2012:
	31-Dec-13		One-to-Four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased Auto				Total
																			Direct
	Balance at beginning of period		$	2,057,336			$	161,901			$	1,012,119			$	75,130			$	1,465			$	73,490			$	3,381,441
	Provision charged to income			1,341,113				247,094				(675,724	)			(45,165	)			880				6,802				875,000
	Loans charged off			(1,135,452	)			(282,154	)			(84,364	)			-				(647	)			(16,760	)			(1,519,377	)
	Recoveries of loans previously charged off			14,328				14,526				136,184				-				-				8,478				173,516
	Balance at end of period		$	2,277,325			$	141,367			$	388,215			$	29,965			$	1,698			$	72,010			$	2,910,580
	Period-end amount allocated to:
	Loans individually evaluated for impairment		$	235,166			$	-			$	29,977			$	-			$	-			$	-			$	265,143
	Loans collectively evaluated for impairment			2,042,159				141,367				358,238				29,965				1,698				72,010				2,645,437
	Balance at end of period		$	2,277,325			$	141,367			$	388,215			$	29,965			$	1,698			$	72,010			$	2,910,580
	31-Dec-12		One-to-Four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased Auto				Total
																			Direct
	Balance at beginning of period		$	3,113,345			$	438,542			$	1,145,889			$	10,571			$	3,578			$	35,487			$	4,747,412
	Provision charged to income			1,246,717				(143,211	)			637,975				117,132				(1,762	)			55,149				1,912,000
	Loans charged off			(2,351,742	)			(133,430	)			(771,745	)			(52,573	)			(531	)			(26,351	)			(3,336,372	)
	Recoveries of loans previously charged off			49,016				-				-				-				180				9,205				58,401
	Balance at end of period		$	2,057,336			$	161,901			$	1,012,119			$	75,130			$	1,465			$	73,490			$	3,381,441
	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 following table presents the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and 2012:
	31-Dec-13		One-to-four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased				Total
																			Direct				Auto
	Loans individually evaluated for impairment		$	3,455,604			$	-			$	2,332,243			$	-			$	-			$	-			$	5,787,847
	Loans collectively evaluated for impairment			73,951,052				2,744,963				14,684,562				7,860,312				392,273				8,162,189				107,795,351
	Ending Balance		$	77,406,656			$	2,744,963			$	17,016,805			$	7,860,312			$	392,273			$	8,162,189			$	113,583,198
	31-Dec-12		One-to-four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased				Total
																			Direct				Auto
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
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 December 31, 2013 and 2012:
31-Dec-13		Unpaid				Recorded				Recorded				Total				Related				Average
		Contractual				Investment				Investment				Recorded				Allowance				Recorded
		Principal				With No				With				Investment								Investment
		Balance				Allowance				Allowance
One-to-four family		$	3,851,948			$	2,729,178			$	726,426			$	3,455,604			$	235,166			$	3,480,595
Multi-family			-				-				-				-				-				16,033
Non-residential			2,631,792				2,090,766				241,477				2,332,243				29,977				2,288,596
Commercial			-				-				-				-				-				-
Consumer direct			-				-				-				-				-				-
Purchased auto			-				-				-				-				-				-
		$	6,483,740			$	4,819,944			$	967,903			$	5,787,847			$	265,143			$	5,785,224
31-Dec-12		Unpaid				Recorded				Recorded				Total				Related				Average
		Contractual				Investment				Investment				Recorded				Allowance				Recorded
		Principal				With No				With				Investment								Investment
		Balance				Allowance				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 years ended December 31, 2013 and 2012, the Company recognized no accrued or cash basis interest income on impaired loans.
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. Certain 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 and deferred loan fees or costs), 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.
The impaired loans at December 31, 2013 and 2012, include approximately $3.1 million of loans whose terms have been modified in troubled debt restructurings. 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 years ended December 31, 2013 and 2012, segregated by class of loans, are shown in the table below.
					Year Ended												Year Ended
					31-Dec-13												31-Dec-12
					Number of Modifications				Recorded				Increase in Allowance				Number of Modifications				Recorded				Increase in Allowance
									Investment												Investment
					(as of period end)												(as of period end)
One-to-four family						5			$	662,065			$	2,609				6			$	633,198			$	-
Multi-family						-				-				-				-				-				-
Non-residential						-				-				-				1				1,807,708				7,708
Commercial						-				-				-				-				-				-
Consumer direct						-				-				-				-				-				-
Purchased auto						-				-				-				-				-				-
						5			$	662,065			$	2,609				7			$	2,440,906			$	7,708
For the year ended December 31, 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 performing A note at a market rate and a charge off of the associated B note. Another of the new modifications restructured 7 impaired loans into an A/B note structure with the new A note at a market rate and performing and a charge off of the associated B note. The other three of the new modifications restructured 3 impaired loans for the same borrower into three A/B note structures with three new A notes at market rates but still nonperforming and a charge off of the associated B notes. Total charge-offs were approximately $616,000 for these TDR’s.
None of the loan modifications classified as TDRs during 2013 and 2012 had payment defaults (i.e. 60 days or more past due following a modification), during 2013 and 2012, respectively.  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 December 31, 2013 and 2012:
31-Dec-13		Nonaccrual				Loans Past Due
						Over 90 Days Still
						Accruing
One-to-four family		$	3,549,498			$	-
Multi-family			-				-
Non-residential			2,332,243				-
Commercial			-				-
Consumer direct			-				-
Purchased auto			-				-
		$	5,881,741			$	-
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 December 31, 2013 and 2012:
31-Dec-13		Loans 30-59				Loans 60-89				Loans 90 or				Total Past				Current Loans				Total Loans
		Days Past				Days Past				More Days				Due Loans
		Due				Due				Past Due
One-to-four family		$	2,550,329			$	492,545			$	1,613,697			$	4,656,571			$	72,750,085			$	77,406,656
Multi-family			263,313				-				-				263,313				2,481,650				2,744,963
Non-residential			289,111				428,645				318,475				1,036,231				15,980,574				17,016,805
Commercial			25,795				-				-				25,795				7,834,517				7,860,312
Consumer direct			947				-				-				947				391,326				392,273
Purchased auto			22,719				-				-				22,719				8,139,470				8,162,189
		$	3,152,214			$	921,190			$	1,932,172			$	6,005,576			$	107,577,622			$	113,583,198
31-Dec-12		Loans 30-59				Loans 60-89				Loans 90 or				Total Past				Current Loans				Total Loans
		Days Past				Days Past				More Days				Due Loans
		Due				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 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, multi-family real estate, 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 residential real estate, multi-family real estate 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 December 31, 2013 and 2012, the risk category of loans by class is as follows:
31-Dec-13		Pass				Special				Substandard				Doubtful				Not rated
						Mention
One-to-four family		$	-			$	1,242,347			$	3,455,604			$	-			$	72,708,705
Multi-family			-				-				-				-				2,744,963
Non-residential			12,565,850				2,118,712				2,332,243				-				-
Commercial			7,860,021				291				-				-				-
Consumer direct			-				-				-				-				392,273
Purchased auto			-				-				-				-				8,162,189
Total		$	20,425,871			$	3,361,350			$	5,787,847			$	-			$	84,008,130
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
The Bank has had, and may be expected to have in the future, banking transactions in the ordinary course of business with directors, principal officers, their immediate families and companies in which these parties have a 10% or more beneficial ownership. In the opinion of management, these loans are made with substantially the same terms, including interest rate and collateral, as those prevailing for comparable transactions with other customers and do not involve more than the normal risk of collectability.

Note_5_Servicing

Note 5 - Servicing	12 Months Ended
	Dec. 31, 2013
Servicing [Abstract]	'
Servicing [Text Block]	'
	Note 5.      Servicing
	Loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of mortgage and other loans serviced for others were $23,943,969 and $23,162,585 at December 31, 2013 and 2012, respectively.

Note_6_Accrued_Interest_Receiv

Note 6 - Accrued Interest Receivable	12 Months Ended
	Dec. 31, 2013
Accrued Interest Receivable [Abstract]	'
Accrued Interest Receivable [Text Block]	'
	Note 6.      Accrued Interest Receivable
	Accrued interest receivable at December 31, 2013 and 2012, are summarized as follows:
		2013		2012
	State and municipal securities	$	105,886	$	90,567
	Residential mortgage-backed securities		90,288		82,593
	Loans		456,519		523,478
		$	652,693	$	696,638

Note_7_Premises_and_Equipment

Note 7 - Premises and Equipment	12 Months Ended
	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment Disclosure [Text Block]	'
	Note 7.      Premises and Equipment
	Premises and equipment at December 31, 2013 and 2012, are summarized as follows:
		2013		2012
	Cost:
	Land	$	1,966,899	$	1,966,899
	Buildings		6,694,313		6,688,463
	Furniture and equipment		1,537,282		1,534,560
			10,198,494		10,189,922
	Less: Accumulated depreciation		3,747,085		3,560,128
		$	6,451,409	$	6,629,794

Note_8_Deposits

Note 8 - Deposits	12 Months Ended
	Dec. 31, 2013
Disclosure Text Block [Abstract]	'
Deposit Liabilities Disclosures [Text Block]	'
	Note 8.     Deposits
	Deposits at December 31, 2013 and 2012 are summarized as follows:
		2013					2012
		Amount		Percent			Amount		Percent
	Non-interest bearing checking	$	5,219,028		3.58	%	$	4,313,635		2.78	%
	Interest bearing checking		14,382,388		9.87	%		12,425,307		8.01	%
	Money market		21,794,546		14.95	%		20,666,315		13.33	%
	Passbook savings		16,941,081		11.62	%		15,217,679		9.81	%
	Certificates of deposit		87,431,608		59.98	%		102,451,709		66.07	%
	Interest bearing		140,549,623		96.42	%		150,761,010		97.22	%
	Total	$	145,768,651		100	%	$	155,074,645		100	%
	Interest expense on deposits for the years ended December 31, 2013 and 2012, is summarized as follows:
		December 31,
		2013		2012
	Money market	$	50,793	$	85,218
	Savings		13,711		19,563
	Certificates of deposit		1,381,045		2,054,420
	Checking		6,410		10,441
		$	1,451,959	$	2,169,642
	Deposits from directors, principal officers, and their immediate families at December 31, 2013 and 2012 were $1,824,825 and $1,529,230, respectively.
	The aggregate amount of public deposits at December 31, 2013 and 2012 were $2,968,766 and $2,977,627, respectively.
	The aggregate amount of certificates of deposit within a minimum denomination of $100,000 was approximately $35,803,000 and $41,799,000 at December 31, 2013 and 2012, respectively. Of these certificates of deposit, there was approximately $7,606,000 and $9,075,000 at December 31, 2013 and 2012, respectively with minimum denominations of $250,000.
	At December 31, 2013, scheduled maturities of certificates of deposit are as follows:
	2014	$	38,496,666
	2015		20,974,016
	2016		8,346,210
	2017		8,571,082
	2018		11,043,634
		$	87,431,608
	The Company held brokered deposits of approximately $272,000 and $525,000 at December 31, 2013 and 2012, respectively. The broker receives a fee from the Company for the brokered deposits. Total fee expenses of $606 and $588 were recognized for the years ended December 31, 2013 and 2012, respectively.

Note_9_Borrowings

Note 9 - Borrowings	12 Months Ended
	Dec. 31, 2013
Debt Disclosure [Abstract]	'
Debt Disclosure [Text Block]	'
	Note 9.     Borrowings
	Our borrowings consist of open line advances from the Federal Home Loan Bank of Chicago and Federal Funds purchased from Bankers Bank of Wisconsin. As a member, we are required to own capital stock in the Federal Home Loan Bank of Chicago and are authorized to apply for advances on the security of such stock and certain of our mortgage loans and other assets (principally securities which are obligations of, or guaranteed by, the United States), provided certain standards related to credit-worthiness have been met. At December 31, 2013, we had the ability to borrow $50.4 million from the FHLBC. In addition, as of December 31, 2013, the Bank had $5.0 million of available credit from Bankers Bank of Wisconsin to purchase Federal Funds. There were no Federal Home Loan Bank advances and no Federal Funds purchased outstanding at December 31, 2013 and 2012.

Note_10_Employment_Benefit_and

Note 10 - Employment Benefit and Retirement Plans	12 Months Ended
	Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]	'
Pension and Other Postretirement Benefits Disclosure [Text Block]	'
	Note 10.  Employment Benefit and Retirement Plans
	Employee stock ownership plan
	On May 6, 2005, the Company adopted an employee stock ownership plan (ESOP) for the benefit of substantially all employees. 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; dividends on unallocated ESOP shares reduce accrued interest. During 2013, 5,087 shares, with an average fair value of $7.85 per share were committed to be released, resulting in ESOP compensation expense of $37,799, as compared to 5,088 shares, with an average fair value of $5.82 per share, resulting in ESOP compensation expense of $29,585 for 2012.
	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 December 31, 2013 and 2012, respectively, 37,539 shares at a fair value of $8.50, and 34,451 shares at a fair value of $6.90, have been classified as mezzanine capital.
			December 31,
			2013			2012
	Shares allocated			45,788			40,701
	Shares withdrawn from the plan			(8,249	)		(6,250	)
	Unallocated shares			30,526			35,613
	Total ESOP shares			68,065			70,064
	Fair value of unallocated shares		$	259,471		$	245,730
	Supplemental executive retirement plan (SERP)
	On September 19, 2007, the Bank entered into salary continuation agreements with certain of its executive officers to provide additional benefits upon retirement. The present value of the estimated liability under the agreement is being accrued using a discount rate of 6 percent ratably over the remaining years to the date when the executive is first eligible for benefits.  The recorded SERP liability was $667,521 and $576,774 for the years ended December 31, 2013 and 2012, respectively. The SERP compensation charged to expense totaled $106,978 and $93,972 for the years ended December 31, 2013 and 2012, respectively.
	401(k) plan
	The Bank maintains a voluntary 401(k) plan for substantially all employees. Employees may contribute a percentage of their compensation to the plan subject to certain limits based on federal tax laws. The Bank makes matching contributions to the 401(k) plan of 50 percent of the first 6 percent of an employee’s compensation contributed to the plan. The Bank also makes Safe Harbor contributions, in addition to any matching contributions, equal to 3 percent of an eligible employee’s compensation to the 401(k) plan each pay period. Employer contributions vest to the employee ratably over a five-year period. Employer contribution expense was $71,154 for 2013 and $59,771 for 2012.
	Deferred compensation
	The Bank has deferred compensation agreements with certain directors. Contributions to the plan for the years ended December 31, 2013 and 2012 were $52,885 and $53,864, respectively. The deferred compensation liability included on the balance sheet in other liabilities was $1,105,696 and $939,028 as of December 31, 2013 and 2012, respectively.
	Post-retirement health benefit plan
	The Bank has a contributory post-retirement health benefit plan for officers that meet eligibility requirements outlined in the employee handbook. The accounting for the health care plan anticipates future cost-sharing changes that are consistent with the Bank’s expressed intent to increase retiree contributions.
	Post-retirement health benefits valuation
			December 31,
			2013			2012
	Number of participants:
	Retirees			3			3
	Active employees - fully eligible			1			1
	Active employees - not yet eligible			3			3
	Total			7			7
	Obligations and funded status:
			Year ended December 31,
			2013			2012
	Change in benefit obligation		(Amounts in thousands)
	Benefit obligation at beginning of year		$	241		$	184
	Service cost			5			4
	Interest cost			10			9
	Actuarial loss			36			47
	Benefits paid			(7	)		(6	)
	Retiree contributions			3			3
	Benefit obligation at end of year			288			241
	Change in plan assets
	Employer contributions			3			3
	Retiree contributions			4			3
	Benefits paid			(7	)		(6	)
	Fair value of plan assets at year end			-			-
	Funded status			(288	)		(241	)
	Actuarial loss (gain)			(116	)		(171	)
	Net amount recognized		$	(404	)	$	(412	)
	Amounts recognized in the statement of financial position consist of:
			December 31,
			2013			2012
	Accumulated post-retirement benefit obligation:
	Retirees		$	(64,642	)	$	(52,721	)
	Active employees - fully eligible			(63,757	)		(55,724	)
	Active employees - not yet eligible			(159,300	)		(132,062	)
	Total			(287,699	)		(240,507	)
	Plan assets at fair value			-			-
	Funded status			(287,699	)		(240,507	)
	Actuarial (gain)			(116,134	)		(171,279	)
	(Accrued) cost included in other liabilities		$	(403,833	)	$	(411,786	)
	Components of Net Periodic Benefit Cost:
			Year ended December 31,
			2013			2012
Service cost		$	4,706		$	3,549
Interest cost			9,741			9,136
Amortization net gain			(19,789	)		(18,291	)
Net cost		$	(5,342	)	$	(5,606	)
Weighted average assumptions used to determine net periodic benefit cost:
		December 31,
		2013			2012
Discount rate			4.92	%		4	%
Expected long-term return on plan assets			-			-
Rate of compensation increase			-			-
Assumed health care cost trend rates:
		December 31,
		2013			2012
Health care cost trend rate assumed for next year			8	%		8	%
Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)			6	%		4	%
Year that the rate reaches the ultimate trend rate		2018			2017
A one-percentage-point change in the assumed health care cost trend rate would have the following effects:
		1-Percentage			1-Percentage
		Point Increase			Point Decrease
		(Amounts in thousands)
Effect on total of service and interest cost components		$	3		$	(2	)
Effect on post-retirement benefit obligation		$	55		$	(44	)
Cash Flows:
Contributions: The Bank expects to contribute $9,000 to its post-retirement benefit plan in 2014.
Estimated Future Benefit Payments: The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid as follows:
					Other Benefits
					(Amounts in thousands)
	2014				$	9
	2015					11
	2016					15
	2017					21
	2018					23
	2019-2023					181

Note_11_Stock_Compensation

Note 11 - Stock Compensation	12 Months Ended
	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	Note 11. Stock Compensation
	Management recognition plan
	A Management Recognition and Retention Plan (“MRP”) provides for the issuance of shares to directors and officers. Pursuant to the Ottawa Savings Bancorp, Inc. 2006 Equity Incentive Plan, 43,608 shares were purchased by the Company in November 2006, at an average cost of $13.46 per share. Granted shares vest in equal installments over a five year period, with ownership of the shares transferring to the recipient upon vesting. The unamortized cost of shares not yet vested of $21,024 and $33,977 at December 31, 2013 and 2012, respectively, are reported as reductions of stockholders’ equity.
	A summary of the status of the MRP stock awards is as follows:
	Year ending December 31, 2013	Shares			Weighted
					Average Grant
					Date Fair
					Value
	Outstanding and non-vested at beginning of year		6,719		$	5.16
	Granted		-			-
	Vested and transferred to recipients		(2,180	)		5.94
	Outstanding and non-vested at end of year		4,539		$	4.79
	Year ending December 31, 2012	Shares			Weighted
					Average Grant
					Date Fair
					Value
	Outstanding and non-vested at beginning of year		8,899		$	5.35
	Granted		-			-
	Vested and transferred to recipients		(2,180	)		5.94
	Outstanding and non-vested at end of year		6,719		$	5.16
	The total compensation cost at December 31, 2013, related to non-vested shares not yet recognized was approximately $21,000 with an average expense recognition period of 1.8 years. The Company recognized compensation expense of approximately $13,000 and $7,100, for the years ended December 31, 2013 and 2012, respectively. At December 31, 2013, 4,539 shares remain non-vested and are expected to be exercisable in accordance with their original terms.
	Stock option plan
	A Recognition and Retention Plan (“RRP”) provides for the issuance of stock options to directors, officers and employees. Pursuant to the Ottawa Savings Bancorp, Inc. 2006 Equity Incentive Plan, on November 21, 2006, the Company granted stock options to purchase 92,666 shares of the Company’s common stock, at an exercise price of $12.35 per share. Under the same plan, the Company granted stock options to purchase 5,451 shares of the Company’s common stock, at an exercise price of $9.90 per share on December 21, 2008, 8,722 shares of the Company’s common stock, at an exercise price of $6.00 per share on November 17, 2010, and 13,083 shares of the Company’s common stock, at an exercise price of $4.25 per share on November 16, 2011. The options become exercisable in equal installments over a five year period from the grant date. The options expire ten years from the grant date.
	The fair value of the stock options granted has been estimated using a Black-Scholes option pricing model. This option pricing model requires management to make subjective assumptions, such as expected stock price volatility, dividend rates, and expected time to exercise. There were no options granted during 2013 and 2012.
	A summary of the status of the outstanding RRP stock options is as follows:
	Year ended December 31, 2013	Shares			Weighted		Weighted	Aggregate
					Average		Average	Intrinsic
					Exercise		Remaining	Value
					Price		Contractual
							Term (years)
	Outstanding at beginning of year		92,667		$	10.46	5.1	$	-
	Granted		-			-
	Exercised		-			-
	Outstanding at end of year		92,667		$	10.46	4.1	$	-
	Exercisable at year end		81,326		$	11.26	3.61	$	-
	Year ended December 31, 2012	Shares			Weighted		Weighted	Aggregate
					Average		Average	Intrinsic
					Exercise		Remaining	Value
					Price		Contractual
							Term (years)
	Outstanding at beginning of year		92,667		$	10.46	6.1	$	-
	Granted		-			-
	Exercised		-			-
	Outstanding at end of year		92,667		$	10.46	5.1	$	-
	Exercisable at year end		75,875		$	11.64	4.37	$	-
	A summary of the vesting status of the RRP stock options at December 31, 2013 is as follows:
	Stock Options	Shares			Weighted
					Average
					Exercise
					Price
	Non-vested at beginning of year		16,792		$	5.16
	Granted		-			-
	Vested		(5,451	)		5.94
	Non-vested at end of year		11,341		$	4.79
	The total compensation cost at December 31, 2013, related to non-vested options not yet recognized was approximately $25,500 with an average expense recognition period of 1.8 years. The Company recognized compensation expense of approximately $14,000 and $11,000 for each of the years ended December 31, 2013 and 2012, respectively.

Note_12_Income_Taxes

Note 12 - Income Taxes	12 Months Ended
	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	Note 12. Income Taxes
	The Company and Bank file a consolidated federal income tax return on a calendar year basis.
	Income tax expense (benefit) is summarized as follows:
		Years Ended December 31,
		2013			2012
	Federal:
	Current	$	363,770		$	(229,782	)
	Deferred		28,623			464,562
			392,393			234,780
	State:
	Current		138,944			73,510
	Deferred		8,655			(38,088	)
			147,599			35,422
		$	539,992		$	270,202
	The Company’s income tax differed from the maximum statutory federal rate of 35% for the years ended December 31, 2013 and 2012, as follows:
		Years Ended December 31,
		2013			2012
	Expected income taxes	$	514,192		$	330,537
	Income tax effect of:
	State taxes, net of federal tax benefit		95,939			23,024
	Tax exempt interest		(83,386	)		(63,766	)
	Income taxed at lower rates		(14,691	)		(9,444	)
	Other		27,938			(10,149	)
		$	539,992		$	270,202
	The components of the net deferred tax asset are as follows:
		December 31,
		2013			2012
	Deferred tax assets
	Unrealized loss on securities available for sale	$	2,310		$	-
	Employee benefit plans		857,758			759,470
	Allowance for loan losses		1,146,769			1,332,288
	Net operating loss carryforwards		109,708			136,242
	MRP/RRP compensation		183,885			186,562
	Other		149,642			70,478
			2,450,072			2,485,040
	Deferred tax liabilities
	Unrealized gain on securities available for sale		-			(241,377	)
			-			(241,377	)
	Net deferred tax asset	$	2,450,072		$	2,243,663
	Retained earnings at December 31, 2013 include approximately $1,169,000 for which no federal income tax liability has been recognized. This amount represents an allocation of income to bad debt deductions for tax purposes only. Reductions of amounts so allocated for purposes other than bad debt losses or adjustments arising from carry-back of net operating losses would create income for tax purposes only, which would be subject to the then current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately $453,000 at December 31, 2013.
	At December 31, 2013 the Company had Illinois net operating loss carry forwards of $2.0 million. At December 31, 2012 the Company had federal and Illinois net operating loss carry forwards of $2.2 million comprised of approximately $0.1 million of federal and $2.1 million of Illinois. The Illinois net operating loss carry forwards will begin to expire in 2023.
	Management believes that it is more likely than not that the deferred tax assets included in the accompanying consolidated balance sheets will be fully utilized. We have determined that no valuation allowance is required as of December 31, 2013, although there is no guarantee that those assets will be fully recognizable in future periods.

Note_13_Regulatory_Matters

Note 13 - Regulatory Matters	12 Months Ended
	Dec. 31, 2013
Disclosure Text Block Supplement [Abstract]	'
Legal Matters and Contingencies [Text Block]	'
	Note 13.  Regulatory Matters
	The Bank is subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet the minimum regulatory capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank and the consolidated financial statements. Under the regulatory capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines involving quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification under the prompt corrective action guidelines are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total risk-based capital and Tier 1 capital to risk-weighted assets (as defined in the regulations), Tier 1 capital to adjusted total assets (as defined), and tangible capital to adjusted total assets (as defined). Management believes as of December 31, 2013 and 2012, that the Bank meets all capital adequacy requirements to which it is subject.
	As of December 31, 2013, the most recent examination conducted by the OCC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as disclosed in the following table. There are no conditions or events that management believes have occurred that would change the Bank’s capitalization classification.
	The Bank’s actual capital amounts and ratios as of December 31, 2013 and 2012 are presented below:
		Actual					For Capital					To Be Well
							Adequacy Purposes:					Capitalized Under
												Prompt Corrective
												Action Provisions:
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	December 31, 2013:
	Total Risk-Based Capital (to risk-weighted assets)	$	20,287,994		20.79	%	$	7,806,616		8	%	$	9,758,270		10	%
	Tier I Risk-Based Capital (to risk-weighted assets)	$	19,047,336		19.52	%	$	3,903,308		4	%	$	5,854,962		6	%
	Tier I Leverage (to average assets)	$	19,047,336		11.32	%	$	6,729,204		4	%	$	8,411,505		5	%
	Tangible Capital (to average assets)	$	19,047,336		11.32	%	$	2,523,452		1.5	%	N/A		N/A
	December 31, 2012:
	Total Risk-Based Capital (to risk-weighted assets)	$	19,532,989		18.19	%	$	8,590,954		8	%	$	10,738,692		10	%
	Tier I Risk-Based Capital (to risk-weighted assets)	$	18,165,479		16.92	%	$	4,295,477		4	%	$	6,443,215		6	%
	Tier I Leverage (to average assets)	$	18,165,479		10.3	%	$	7,054,242		4	%	$	8,817,802		5	%
	Tangible Capital (to average assets)	$	18,165,479		10.3	%	$	2,645,341		1.5	%	N/A		N/A

Note_14_Commitments_and_Contin

Note 14 - Commitments and Contingencies	12 Months Ended
	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingencies Disclosure [Text Block]	'
	Note 14. Commitments and Contingencies
	In the ordinary course of business, the Bank has various commitments and contingent liabilities that are not reflected in the accompanying consolidated financial statements. In the opinion of management, the ultimate disposition of these matters is not expected to have a material adverse affect on the financial position of the Bank.
	The Company did not declare any dividends during 2013 or 2012.
	The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit. This instrument involves elements of credit and interest-rate risk in excess of the amount recognized in the balance sheet.
	At December 31, 2013 and 2012, the following financial instruments were outstanding whose contract amounts represent credit risk:
		Variable rate		Fixed rate		Total		Range of rates
								on fixed rate commitments
	As of December 31, 2013:
	Commitments to originate loans	$	100,000	$	6,707,271	$	6,807,271	2.82%	-	6.25	%
	Unfunded commitments on construction loans		1,646,742		49,411		1,696,153		3.75		%
	Unfunded commitments under lines of credit		8,046,036		-		8,046,036		-
			9,792,778		6,756,682		16,549,460
	Standby letters of credit		-		-		-		-
		$	9,792,778	$	6,756,682	$	16,549,460
	As of December 31, 2012:
	Commitments to originate loans	$	-	$	6,559,402	$	6,559,402	4.25%	-	6.75	%
	Unfunded commitments on construction loans		-		56,191		56,191	4			%
	Unfunded commitments under lines of credit		8,286,518		-		8,286,518		-
			8,286,518		6,615,593		14,902,111
	Standby letters of credit		-		-		-		-
		$	8,286,518	$	6,615,593	$	14,902,111
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for equity lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Bank is based on management’s credit evaluation of the customer.
	Unfunded commitments under commercial lines-of-credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines-of-credit are uncollateralized and usually do not contain a specified maturity date and may not be fully drawn upon to the total extent of the $16.5 million to which the Bank is committed. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet obligations.
	The Company does not engage in the use of interest rate swaps or futures, forwards or option contracts.

Note_15_Fair_Value_Measurement

Note 15 - Fair Value Measurements and Disclosures	12 Months Ended
	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	Note 15. Fair Values Measurements and Disclosures
	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.
		•		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 obligations of U.S. government corporations and agencies, 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.
	Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. Management believes it is more likely than not that a workout solution or liquidation of the collateral is the best use of the asset and therefore has measured fair value based on the underlying collateral of the loans.  If management were to sell the impaired loan portfolio to a third party instead of liquidating the collateral, the measurement of fair value could be significantly different.
	The Company did not have any transfers of assets or liabilities between Levels 1 and 2 of the fair value hierarchy during 2013 or 2012.
	The tables below present the recorded amount of assets measured at fair value on a recurring basis at December 31, 2013 and December 31, 2012.
	31-Dec-13		Level 1		Level 2		Level 3		Total
									Fair Value
	State and municipal securities available for sale		$	-	$	8,444,519	$	-	$	8,444,519
	Residential mortgage-backed securities available for sale			-		26,102,561		-		26,102,561
			$	-	$	34,547,080	$	-	$	34,547,080
	31-Dec-12		Level 1		Level 2		Level 3		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 presents the recorded amount of assets and liabilities measured at fair value on a non-recurring basis at December 31, 2013 and December 31, 2012.
	31-Dec-13		Level 1		Level 2		Level 3		Fair Value
	Foreclosed assets		$	-	$	-	$	597,493	$	597,493
	Impaired loans, net			-		-		702,760		702,760
	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

Note_16_Fair_Values_of_Financi

Note 16 - Fair Values of Financial Instruments	12 Months Ended
	Dec. 31, 2013
Fair Values Of Financial Instruments [Abstract]	'
Fair Values Of Financial Instruments [Text Block]	'
	Note 16.   Fair Values of Financial Instruments
	The following methods and assumptions were used by the Company 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 and held to maturity securities from an independent pricing service. See Note 15 - Fair Value Measurement and Disclosure for further detail on how fair values of marketable securities are determined. The carrying value of non-marketable equity securities approximates fair value.
	Loans: For variable-rate loans that reprice 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.
	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.
	Accrued Interest Receivable and Payable: The carrying amounts of accrued interest receivable and payable approximate fair values.
	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 December 31, 2013 and 2012, the fair values of the commitments are immaterial in nature.
	The estimated fair values of the Bank’s financial instruments are as follows:
		Carrying		Fair Value Measurements at
				December 31, 2013 using:
		Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents	$	6,605,840	$	6,605,840	$	-	$	-	$	6,605,840
	Federal funds sold		3,630,000		3,630,000		-		-		3,630,000
	Securities		35,780,616		-		35,780,616		-		35,780,616
	Accrued interest receivable		652,693		652,693		-		-		652,693
	Net loans		110,672,618		-		-		112,991,000		112,991,000
	Mortgage servicing rights		158,030		-		-		158,030		158,030
	Financial Liabilities:
	Non-interest bearing deposits		5,219,028		5,219,028		-		-		5,219,028
	Interest bearing deposits		140,549,623		-		-		139,327,972		139,327,972
	Accrued interest payable		582		582		-		-		582
		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
	In addition, other assets and liabilities of the Bank that are not defined as financial instruments are not included in the above disclosures, such as property and equipment. 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.

Note_17_Condensed_Parent_Only_

Note 17 - Condensed Parent Only Financial Statements	12 Months Ended
	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	'
	Note 17. Condensed Parent Only Financial Statements
		December 31,
		2013			2012
	Statements of financial condition
	Assets:
	Interest bearing deposits	$	311,633		$	296,497
	Equity in net assets of Ottawa Savings Bank		21,115,926			20,559,103
	ESOP note receivable		377,823			428,490
	Total assets	$	21,805,382		$	21,284,090
	Liabilities and stockholders' equity:
	Liabilities	$	-		$	-
	Redeemable common stock in ESOP plan		319,090			237,712
	Stockholders' Equity		21,486,292			21,046,378
	Total liabilities and stockholders' equity	$	21,805,382		$	21,284,090
		December 31,
		2013			2012
	Statements of operations
	Equity in net income of subsidiary	$	964,658		$	701,258
	Interest income		26,781			29,865
	Operating income		991,439			731,123
	Other expenses		62,311			70,964
	Income before income tax benefit		929,128			660,159
	Income tax (benefit)		-			(14,031	)
	Net income	$	929,128		$	674,190
		December 31,
	Statements of cash flows	2013			2012
	Operating activities:
	Net income	$	929,128		$	674,190
	Adjustments to reconcile net income to net cash used in operating activities:
	Increase (decrease) in other assets		-			2,113
	(Decrease) increase in other liabilities		-			(3,751	)
	Undistributed net income of subsidiary		(964,658	)		(701,258	)
	Net cash used in operating activities		(35,530	)		(28,706	)
	Investing activities:
	Payments received on ESOP note receivable		50,666			47,610
	Net cash provided by investing activities		50,666			47,610
	Financing activities:
	Cash dividends paid		-			-
	Purchase of treasury stock		-			-
	Net cash used in financing activities		-			-
	Net increase in cash and cash equivalents		15,136			18,904
	Cash and cash equivalents:
	Beginning of period		296,497			277,593
	End of period	$	311,633		$	296,497
	Supplemental Schedule of Noncash Investing and Financing Activities
	Increase in ESOP put option liability	$	81,378		$	127,894

Accounting_Policies_by_Policy_

Accounting Policies, by Policy (Policies)	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Consolidation, Policy [Policy Text Block]	'
	Principles of consolidation
	The accompanying consolidated financial statements include the accounts of Ottawa Savings Bancorp, Inc. (the Company) and its wholly owned subsidiary Ottawa Savings Bank (the Bank). All significant intercompany transactions and balances are eliminated in consolidation.
Basis of Accounting, Policy [Policy Text Block]	'
	Entity structure
	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 December 31, 2013, Ottawa Savings Bancorp MHC holds 1,223,701 shares of common stock, representing 57.8% of the Company’s common shares outstanding.
	Nature of business
	The primary business of the Company is the ownership of the Bank. Through the Bank, the Company is engaged in providing a variety of financial services to individual and corporate customers in the Ottawa, Illinois area, which is primarily an agricultural area consisting of several rural communities with small to medium sized businesses. The Bank’s primary source of revenue is interest and fees related to single-family residential loans to middle-income individuals.
Use of Estimates, Policy [Policy Text Block]	'
	Use of estimates
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the fair value of securities available for sale, the determination of the allowance for loan losses, valuation of deferred income taxes, and the determination of the liability for postretirement benefits.
Concentration Risk, Credit Risk, Policy [Policy Text Block]	'
	Concentration of credit risk
	Most of the Bank’s business activity is with customers within the local Ottawa area. The Bank does not have any significant concentrations to any one industry or customer.
Cash and Cash Equivalents, Policy [Policy Text Block]	'
	Cash and cash equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand and amounts due from banks, including cash items in process of clearing. Cash flows from loans, deposits, and federal funds sold or purchased are treated as net increases or decreases in the statement of cash flows.
	The Company maintains its cash in bank deposit accounts which, at times, may exceed federally insured limits. The Company has not experienced any losses in such accounts. The Company believes it is not exposed to any significant credit risk on cash and cash equivalents.
Marketable Securities, Policy [Policy Text Block]	'
	Investment securities
	Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and reported at amortized cost.
	Debt securities classified as available for sale are those debt securities that the Company intends to hold for an indefinite period of time, but not necessarily to maturity. Any decision to sell a security classified as available for sale would be based on various factors, including significant movements in interest rates, changes in maturity mix of the Company's assets and liabilities, liquidity needs, regulatory capital considerations and other similar factors. Securities available for sale are carried at fair value. The difference between the fair value and amortized cost, adjusted for amortization of premium and accretion of discounts, computed by the interest method over their contractual maturity, results in an unrealized gain or loss. Unrealized gains or losses are reported as accumulated other comprehensive income (loss), net of the related deferred tax effect and are included as a component of stockholders' equity. Gains or losses from the sale of securities are determined using the specific identification method and are included in earnings.  Declines in the fair value of available for sale securities below their amortized cost basis that are deemed to be other than temporary are reflected in earnings as realized losses. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities.
	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 of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.  In addition, management monitors market trends and current events in order to identify trends and circumstances that might impact the carrying value of securities.
	To determine if an “other-than-temporary” impairment (OTTI) exists on an investment security, the Company first determines if (a) it intends to sell the security or (b) it is more likely than not that it will be required to sell the security before its anticipated recovery. If either of the conditions is met, the Company will recognize an “other-than-temporary” impairment in earnings equal to the difference between the security’s fair value and its adjusted cost basis. If neither of the conditions is met, the Company determines (a) the amount of the impairment related to credit loss and (b) the amount of the impairment due to all other factors. The difference between the present values of the cash flows expected to be collected and the amortized cost basis is the credit loss. The credit loss is the portion of the other-than-temporary impairment that is recognized in earnings and is a reduction to the cost basis of the security. The portion of total impairment related to all other factors is included in other comprehensive income (loss).
Investment, Policy [Policy Text Block]	'
	Non-marketable equity securities
	Investments in the Federal Home Loan Bank of Chicago, Bankers Bank of Wisconsin, and the Upper Illinois River Valley Development Corporation are carried at cost.
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	'
	Loans
	The Bank primarily lends to small and mid-sized businesses, non-residential real estate customers and consumers providing mortgage, commercial and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans throughout Ottawa, Illinois and the surrounding area. The ability of the Bank’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.
	It is the Bank’s policy to review each prospective credit in order to determine the appropriateness and the adequacy of security or collateral prior to making a loan. In the event of borrower default, the Bank seeks recovery in compliance with state lending laws, the Bank’s lending standards, and credit monitoring and remediation procedures.
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are generally reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield over the contractual life of the loan using the interest method.
	The following portfolio segments and classes of loan receivables have been identified by the Company:
		•	Commercial
		•	Non-residential real estate
		•	One-to-four family residential real estate
		•	Multi-family residential real estate
		•	Consumer direct
		•	Purchased auto loans
	Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful.
	For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become over 90 days past due (unless the loan is well secured and in the process of collection).
	When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual status.   Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income.
	For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met:
		•	The loan is current, and all principal and interest amounts contractually due have been made,
		•	All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period, and
		•	There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms:
		•	Six months of repayment performance for contractual monthly payments, or
		•	One year of repayment performance for contractual quarterly or semi-annual payments.
	Troubled debt restructuring exists when the Company, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession (either imposed by court order, law, or agreement between the borrower and the Company) to the borrower that it would not otherwise consider. The Company is attempting to maximize its recovery of the balances of the loans through these various concessionary restructurings.
	The following criteria, related to granting a concession, together or separately, create a troubled debt restructuring:
		•	A modification of terms of a debt such as one or a combination of:
		•	The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk.
		•	The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk.
		•	The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement.
		•	The reduction of accrued interest.
		•	A transfer from the borrower to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	'
	Allowance for loan losses
	For all portfolio segments, the allowance for loan losses is an amount necessary to absorb known and inherent losses that are both probable and reasonably estimable and is established through a provision for loan losses charged to earnings. Loan losses, for all portfolio segments, are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
	For all portfolio segments, 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. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. In addition, regulatory agencies, as an integral part of their examination process, periodically review the allowance for loan losses and may require the Company to make additions to the allowance based upon their judgment about information available to them at the time of their examinations.
	The general component consists of quantitative and qualitative factors and covers non-impaired loans. The quantitative factors are based on historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company using the most recent twelve quarters with heavier weighting given to the most recent quarters. The weighting applies 40% to each of the most recent four quarters and 30% to each of the next eight quarters.
	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 from using the most recent eight quarters of loss history to calculate historical loss rates to the twelve quarters of loss history. The weighting applied to the quarters had been graduated, with heavier weightings applied to the most recent quarters of loss history. Going forward 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. 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.
	This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio segment. These qualitative factors include consideration of the following:
		●	Levels of and trends in delinquencies and impaired loans
		●	Levels of and trends in charge-offs and recoveries
		●	Trends in volume and terms of loans
		●	Effects of any changes in risk selection and underwriting standards
		●	Other changes in lending policies, procedures and practices
		●	Experience, ability and depth of lending management and other relevant staff
		●	National and local economic trends and conditions
		●	Industry conditions
		●	Effects of changes in credit concentrations
	A loan is considered impaired when, based on current information and events, it is probable that the Company 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 for commercial and non-residential loans by 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.
	A discussion of the risk characteristics and the allowance for estimated losses on loans, by each portfolio segment, follows:
	For commercial loans, the Company focuses on small and mid-sized businesses that have annual revenues below $5,000,000 with primary operations as wholesalers, manufacturers, building contractors, business services companies, and retailers. The Company provides a wide range of commercial loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. The Company also originates commercial loans through Bankers Health Group (BHG). BHG specializes in loans to healthcare professionals of all specialties throughout the United States. The loans for BHG are primarily comprised of working capital and equipment loans. We underwrite these loans based on our criteria and service the loans in-house. Approval is generally based on the following factors:
		•	Ability and stability of current management of the borrower;
		•	Stable earnings with positive financial trends;
		•	Sufficient cash flow to support debt repayment;
		•	Earnings projections based on reasonable assumptions;
		•	Financial strength of the industry and business; and
		•	Value and marketability of collateral.
	Collateral for commercial loans generally includes accounts receivable, inventory, and equipment. The lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The lending policy specifies maximum term limits for commercial loans. For term loans, the maximum term is 5 years. Generally, term loans range from 3 to 5 years. For lines of credit, the maximum term is 365 days. In addition, the Company often takes personal guarantees as support for repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower.
	Non-residential real estate loans are subject to underwriting standards and processes similar to commercial loans, in addition to those standards and processes specific to real estate loans. Collateral for non-residential real estate loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The lending policy specifies maximum loan-to-value limits based on the category of non-residential real estate (non-residential real estate loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. The lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees as support for repayment.
	Some of the non-residential loans that the Company originates finance the construction of residential dwellings and land development. For land development, the loans generally can be made with a maximum loan to value ratio of 70% and a maximum term up to 10 years. Additionally, the Company will underwrite commercial construction loans for commercial development projects including condominiums, apartment buildings, single-family subdivisions, single-family speculation loans, as well as owner-occupied properties used for business. These loans provide for payment of interest only during the construction phase and may, in the case of an apartment or commercial building, convert to a permanent loan upon completion. In the case of a single family subdivision or construction or builder loan, as individual lots are sold, the principal balance is reduced by a minimum of 80% of the net lot sales price. In the case of a commercial construction loan, the construction period may be from nine months to two years. Loans are generally made to a maximum of 70% of the appraised value as determined by an appraisal of the property made by an independent state certified general real estate appraiser. Periodic inspections are required of the property during the term of the construction loan for both residential and commercial construction loans.
	For commercial and non-residential real estate loans, the allowance for estimated losses on loans consists of specific and general components. For loans that are considered impaired as defined above, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.
	The Company hires an independent firm to perform a loan review annually to validate the risk ratings on commercial and non-residential loans. Additionally, the reviews include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. They also perform a documentation review on selected loans to determine if the credit is properly documented and closed in accordance with approval authorities and conditions.
	Generally, the Company’s one-to-four family real estate loans conform to the underwriting standards of Freddie Mac and Fannie Mae which would allow the Company the ability to resell the loans in the secondary market. The Company structures most loans that will not conform to those underwriting requirements as adjustable rate mortgages that adjust in one, three or five year increments and retains those in its portfolio. The board approved lending policy establishes minimum appraisal and credit underwriting guidelines, The Company also participates with the USDA Rural Development Company to offer loans to qualifying borrowers. USDA guaranteed loans are granted up to 100% of the appraised value and the USDA guarantees up to 90% of the loan. These loans typically require no down payment, but are subject to maximum income limitations.
	The Company also originates loans for multi-family dwellings. These loans follow board and regulatory approved underwriting guidelines similar to commercial loans, in addition to those standards and processes specific to real estate loans. Collateral for multi-family real estate loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The board approved lending policy specifies maximum loan-to-value limits based on the type of property. The lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. The policy also specifies minimum ongoing credit administration procedures including the collection of financial statements, tax returns and rent rolls when applicable. Additionally, the Company will take personal guarantees and cross collateralize other assets of the guarantors as support for repayment.
	The Company provides many types of installment and other consumer loans including motor vehicle, home improvement, share loans, personal unsecured loans, home equity, and small personal credit lines. The lending policy addresses specific credit guidelines by consumer loan type. Unsecured loans generally have a maximum borrowing limit of $25,000 and a maximum term of four years.
	The procedures for underwriting consumer loans include an assessment of the applicant’s payment history on other debts and ability to meet existing obligations and payments on the proposed loans. Although the applicant’s credit-worthiness is a primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, to the proposed loan amount.
	The Company purchases auto loans from regulated financial institutions. These types of loans are primarily low balance individual auto loans. The Company reviews the loans at least three days prior to the purchase. Any specific loan can be refused within thirty days of the sale of any given loan pool.
	For residential real estate loans, multi-family, consumer direct loans (e.g. installment, in-house auto, other consumer loans, etc.) and purchased auto loans, the allowance for estimated losses on loans consists of a specific and general component. The specific component is evaluated for only loans that are classified as impaired, which is based on current information and events if it is probable that the company will be unable to collect the scheduled payments according to the terms of the agreement. Impairment on these is measured on a case-by-case basis by 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.   For large groups of smaller balance homogenous loans that are under 90 days past due, they are collectively evaluated for impairment. To determine the general component, the Company applies quantitative factors based on historical charge-off experience in total for each segment. Additionally, the historical loss factors are adjusted based on qualitative factors determined by the Company which impact each segment.
	For residential real estate loans, multi-family real estate loans, consumer direct loans and purchased auto loans, loans are not risk ranked individually. They are only classified when the borrower is 90 days or more past due or if the borrower has another loan with the Company that is over 90 days past due and dependent upon the same collateral. Under such circumstances, all of the loans connected with the collateral are classified as substandard and these loans are evaluated for impairment.
	Troubled debt restructurings are considered impaired loans and are subject to the same allowance methodology as described above for impaired loans by portfolio segment.
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	'
	Servicing
	Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets. For sales of mortgage loans, a portion of the cost of originating the loan is allocated to the servicing right based on fair value. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. Capitalized servicing rights are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets.
	Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights into tranches based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual tranche, to the extent that fair value is less than the capitalized amount for the tranche. If the Company later determines that all or a portion of the impairment no longer exists for a particular tranche, a reduction of the allowance may be recorded as an increase to income.
	Servicing fee income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income.
	Transfers of financial assets
	Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Real Estate, Policy [Policy Text Block]	'
	Foreclosed real estate
	Real estate properties acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other expenses.
Income Tax, Policy [Policy Text Block]	'
	Income taxes
	Deferred income tax assets and liabilities are computed quarterly for differences between the financial statement and tax bases 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. Valuation allowances are established when necessary to reduce deferred tax assets to amounts which are more likely than not realizable. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. Income tax expense is the tax payable or refundable for the period plus or minus the change during the period in deferred tax assets and liabilities.
	Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation process, if any. A tax position that meets the more likely than not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more likely than not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. The Company has no uncertain tax positions for which a liability has been recorded. The Company is no longer subject to examination by federal or state taxing authorities for the tax year 2009 and the years prior.
Property, Plant and Equipment, Policy [Policy Text Block]	'
	Premises and equipment
	Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Premises and equipment are depreciated using the straight-line and accelerated depreciation methods over the estimated useful lives of the assets:
			Years
	Buildings		5	-	50
	Furniture and equipment		5	-	39
Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]	'
	Employee stock ownership plan
	The Bank has an employee stock ownership plan (ESOP) covering substantially all employees. The cost of shares issued to the ESOP but not yet allocated to participants is presented in the consolidated balance sheets as a reduction of stockholders’ equity. Compensation expense is recorded based on the market price of the shares as they are committed to be released for allocation to participant accounts.
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	'
	Stock-based compensation
	The Company recognizes compensation cost for all stock-based awards based on the estimated grant date fair value. The fair value of stock options are estimated using a Black-Scholes option pricing model and amortized to expense over the option’s vesting periods, as more fully disclosed in Note 11.
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	'
	Off-balance-sheet financial instruments
	Financial instruments include off-balance-sheet credit instruments, such as commitments to originate loans, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Comprehensive Income, Policy [Policy Text Block]	'
	Comprehensive income (loss)
	Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale net of the related tax effect.
Commitments and Contingencies, Policy [Policy Text Block]	'
	Loss contingencies
	Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. In the normal course of business, management will reach settlements over legal issues which are recorded in the period received. Management does not believe there are any such matters that will have a material effect on the consolidated financial statements.
Fair Value Measurement, Policy [Policy Text Block]	'
	Fair value measurements
	In accordance with the provisions of FASB ASC 820, Fair Value Measurements and Disclosures, 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 framework for measuring fair value and expands disclosure of fair value measurements. See Note 15 for additional information.
Fair Value of Financial Instruments, Policy [Policy Text Block]	'
	Fair value of financial instruments
	Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Earnings Per Share, Policy [Policy Text Block]	'
	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. See Note 11 for additional information on the MRP and RRP plans.
			Years ended December 31,
			2013			2012
	Net income available to common stockholders		$	929,128		$	674,190
	Basic potential common shares:
	Weighted average shares outstanding			2,117,979			2,117,979
	Weighted average unallocated ESOP shares			(33,256	)		(38,349	)
	Weighted average unvested MRP shares			(6,488	)		(8,632	)
	Basic weighted average shares outstanding			2,078,235			2,070,998
	Dilutive potential common shares:
	Weighted average unrecognized compensation on MRP shares			5,093			18,445
	Weighted average RRP options outstanding *			-			-
	Dilutive weighted average shares outstanding			2,083,328			2,089,443
	Basic earnings per share		$	0.45		$	0.33
	Diluted earnings per share		$	0.45		$	0.32
	*The effect of share options for both 2013 and 2012 were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.
Segment Reporting, Policy [Policy Text Block]	'
	Segment reporting
	The Company views the Bank as one operating segment, therefore, separate reporting of financial segment information is not considered necessary. The Company approaches the Bank as one business enterprise which operates in a single economic environment since the products and services, types of customers and regulatory environment all have similar characteristics.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	Recent accounting pronouncements
	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.
	In January 2014, the FASB issued ASU No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The update clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar agreement. In addition, the update requires disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure in accordance with local requirements of the applicable jurisdiction. An entity can elect to adopt the amendments using either a modified retrospective method or a prospective transition method. The amendments are effective for annual and interim periods beginning after December 15, 2014, with early adoption permitted. The Company does not expect the adoption of this update to have a significant impact on its financial position, results of operation or cash flows.

Note_1_Summary_of_Significant_1

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Schedule of Useful Lives of Property Plant and Equipment [Table Text Block]	'
		Years
	Buildings	5	-	50
	Furniture and equipment	5	-	39
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
		Years ended December 31,
		2013			2012
	Net income available to common stockholders	$	929,128		$	674,190
	Basic potential common shares:
	Weighted average shares outstanding		2,117,979			2,117,979
	Weighted average unallocated ESOP shares		(33,256	)		(38,349	)
	Weighted average unvested MRP shares		(6,488	)		(8,632	)
	Basic weighted average shares outstanding		2,078,235			2,070,998
	Dilutive potential common shares:
	Weighted average unrecognized compensation on MRP shares		5,093			18,445
	Weighted average RRP options outstanding *		-			-
	Dilutive weighted average shares outstanding		2,083,328			2,089,443
	Basic earnings per share	$	0.45		$	0.33
	Diluted earnings per share	$	0.45		$	0.32

Note_3_Investment_Securities_T

Note 3 - Investment Securities (Tables)	12 Months Ended
	Dec. 31, 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
	December 31, 2013:
	Available for Sale
	State and municipal securities	$	8,676,586	$	80,152	$	312,219	$	8,444,519
	Residential mortgage-backed securities		25,877,289		369,098		143,826		26,102,561
		$	34,553,875	$	449,250	$	456,045	$	34,547,080
	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		3,338,684		3,285,583
	Due after ten years		5,337,902		5,158,936
	Residential mortgage-backed securities		25,877,289		26,102,561
		$	34,553,875	$	34,547,080
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
	31-Dec-13
	Securities Available for Sale
	State and municipal securities	$	4,937,528	$	288,364	$	258,573	$	23,855	$	5,196,101	$	312,219
	Residential mortgage-backed securities		9,832,934		122,774		994,240		21,052		10,827,174		143,826
		$	14,770,462	$	411,138	$	1,252,813	$	44,907	$	16,023,275	$	456,045
	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_4_Loans_and_Allowance_for1

Note 4 - Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
		December 31,				December 31,
		2013				2012
	Residential real estate loans:
	One-to-four family residential loans	$	77,406,656			$	83,018,756
	Multi-family residential loans		2,744,963				4,849,766
	Total residential real estate loans		80,151,619				87,868,522
	Other loans:
	Non-residential real estate loans		17,016,805				20,506,860
	Commercial loans		7,860,312				8,648,191
	Consumer direct		392,273				542,652
	Purchased auto		8,162,189				7,810,067
	Total other loans		33,431,579				37,507,770
	Gross loans		113,583,198				125,376,292
	Less: Allowance for loan losses		(2,910,580	)			(3,381,441	)
	Loans, net	$	110,672,618			$	121,994,851
Schedule of Loans Purchased [Table Text Block]	'
		Years Ended December 31,
		2013				2012
	Purchased auto	$	4,048,406			$	5,846,908
Schedule of Credit Losses for Financing Receivables, Current [Table Text Block]	'
		Years Ended December 31,
		2013				2012
	One-to-four family	$	(1,121,124	)		$	(2,302,726	)
	Multi-family		(267,628	)			(133,430	)
	Non-residential		51,820				(771,745	)
	Commercial		-				(52,573	)
	Consumer direct		(647	)			(351	)
	Purchased auto		(8,282	)			(17,146	)
	Net (charge-offs)/recoveries	$	(1,345,861	)		$	(3,277,971	)
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	'
	31-Dec-13	One-to-Four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased Auto				Total
																		Direct
	Balance at beginning of period	$	2,057,336			$	161,901			$	1,012,119			$	75,130			$	1,465			$	73,490			$	3,381,441
	Provision charged to income		1,341,113				247,094				(675,724	)			(45,165	)			880				6,802				875,000
	Loans charged off		(1,135,452	)			(282,154	)			(84,364	)			-				(647	)			(16,760	)			(1,519,377	)
	Recoveries of loans previously charged off		14,328				14,526				136,184				-				-				8,478				173,516
	Balance at end of period	$	2,277,325			$	141,367			$	388,215			$	29,965			$	1,698			$	72,010			$	2,910,580
	Period-end amount allocated to:
	Loans individually evaluated for impairment	$	235,166			$	-			$	29,977			$	-			$	-			$	-			$	265,143
	Loans collectively evaluated for impairment		2,042,159				141,367				358,238				29,965				1,698				72,010				2,645,437
	Balance at end of period	$	2,277,325			$	141,367			$	388,215			$	29,965			$	1,698			$	72,010			$	2,910,580
	31-Dec-12	One-to-Four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased Auto				Total
																		Direct
	Balance at beginning of period	$	3,113,345			$	438,542			$	1,145,889			$	10,571			$	3,578			$	35,487			$	4,747,412
	Provision charged to income		1,246,717				(143,211	)			637,975				117,132				(1,762	)			55,149				1,912,000
	Loans charged off		(2,351,742	)			(133,430	)			(771,745	)			(52,573	)			(531	)			(26,351	)			(3,336,372	)
	Recoveries of loans previously charged off		49,016				-				-				-				180				9,205				58,401
	Balance at end of period	$	2,057,336			$	161,901			$	1,012,119			$	75,130			$	1,465			$	73,490			$	3,381,441
	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
	31-Dec-13	One-to-four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased				Total
																		Direct				Auto
	Loans individually evaluated for impairment	$	3,455,604			$	-			$	2,332,243			$	-			$	-			$	-			$	5,787,847
	Loans collectively evaluated for impairment		73,951,052				2,744,963				14,684,562				7,860,312				392,273				8,162,189				107,795,351
	Ending Balance	$	77,406,656			$	2,744,963			$	17,016,805			$	7,860,312			$	392,273			$	8,162,189			$	113,583,198
	31-Dec-12	One-to-four Family				Multi-family				Non-residential				Commercial				Consumer				Purchased				Total
																		Direct				Auto
	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
Impaired Financing Receivables [Table Text Block]	'
	31-Dec-13	Unpaid				Recorded				Recorded				Total				Related				Average
		Contractual				Investment				Investment				Recorded				Allowance				Recorded
		Principal				With No				With				Investment								Investment
		Balance				Allowance				Allowance
	One-to-four family	$	3,851,948			$	2,729,178			$	726,426			$	3,455,604			$	235,166			$	3,480,595
	Multi-family		-				-				-				-				-				16,033
	Non-residential		2,631,792				2,090,766				241,477				2,332,243				29,977				2,288,596
	Commercial		-				-				-				-				-				-
	Consumer direct		-				-				-				-				-				-
	Purchased auto		-				-				-				-				-				-
		$	6,483,740			$	4,819,944			$	967,903			$	5,787,847			$	265,143			$	5,785,224
	31-Dec-12	Unpaid				Recorded				Recorded				Total				Related				Average
		Contractual				Investment				Investment				Recorded				Allowance				Recorded
		Principal				With No				With				Investment								Investment
		Balance				Allowance				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]	'
					Year Ended												Year Ended
					31-Dec-13												31-Dec-12
					Number of Modifications				Recorded				Increase in Allowance				Number of Modifications				Recorded				Increase in Allowance
									Investment												Investment
					(as of period end)												(as of period end)
	One-to-four family					5			$	662,065			$	2,609				6			$	633,198			$	-
	Multi-family					-				-				-				-				-				-
	Non-residential					-				-				-				1				1,807,708				7,708
	Commercial					-				-				-				-				-				-
	Consumer direct					-				-				-				-				-				-
	Purchased auto					-				-				-				-				-				-
						5			$	662,065			$	2,609				7			$	2,440,906			$	7,708
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	31-Dec-13	Nonaccrual				Loans Past Due
						Over 90 Days Still
						Accruing
	One-to-four family	$	3,549,498			$	-
	Multi-family		-				-
	Non-residential		2,332,243				-
	Commercial		-				-
	Consumer direct		-				-
	Purchased auto		-				-
		$	5,881,741			$	-
	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]	'
	31-Dec-13	Loans 30-59				Loans 60-89				Loans 90 or				Total Past				Current Loans				Total Loans
		Days Past				Days Past				More Days				Due Loans
		Due				Due				Past Due
	One-to-four family	$	2,550,329			$	492,545			$	1,613,697			$	4,656,571			$	72,750,085			$	77,406,656
	Multi-family		263,313				-				-				263,313				2,481,650				2,744,963
	Non-residential		289,111				428,645				318,475				1,036,231				15,980,574				17,016,805
	Commercial		25,795				-				-				25,795				7,834,517				7,860,312
	Consumer direct		947				-				-				947				391,326				392,273
	Purchased auto		22,719				-				-				22,719				8,139,470				8,162,189
		$	3,152,214			$	921,190			$	1,932,172			$	6,005,576			$	107,577,622			$	113,583,198
	31-Dec-12	Loans 30-59				Loans 60-89				Loans 90 or				Total Past				Current Loans				Total Loans
		Days Past				Days Past				More Days				Due Loans
		Due				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]	'
	31-Dec-13	Pass				Special				Substandard				Doubtful				Not rated
						Mention
	One-to-four family	$	-			$	1,242,347			$	3,455,604			$	-			$	72,708,705
	Multi-family		-				-				-				-				2,744,963
	Non-residential		12,565,850				2,118,712				2,332,243				-				-
	Commercial		7,860,021				291				-				-				-
	Consumer direct		-				-				-				-				392,273
	Purchased auto		-				-				-				-				8,162,189
	Total	$	20,425,871			$	3,361,350			$	5,787,847			$	-			$	84,008,130
	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_6_Accrued_Interest_Receiv1

Note 6 - Accrued Interest Receivable (Tables)	12 Months Ended
	Dec. 31, 2013
Accrued Interest Receivable [Abstract]	'
Schedule of Accrued Interest Receivable [Table Text Block]	'
		2013		2012
	State and municipal securities	$	105,886	$	90,567
	Residential mortgage-backed securities		90,288		82,593
	Loans		456,519		523,478
		$	652,693	$	696,638

Note_7_Premises_and_Equipment_

Note 7 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment [Table Text Block]	'
		2013		2012
	Cost:
	Land	$	1,966,899	$	1,966,899
	Buildings		6,694,313		6,688,463
	Furniture and equipment		1,537,282		1,534,560
			10,198,494		10,189,922
	Less: Accumulated depreciation		3,747,085		3,560,128
		$	6,451,409	$	6,629,794

Note_8_Deposits_Tables

Note 8 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2013
Disclosure Text Block [Abstract]	'
Schedule of Deposits [Table Text Block]	'
		2013					2012
		Amount		Percent			Amount		Percent
	Non-interest bearing checking	$	5,219,028		3.58	%	$	4,313,635		2.78	%
	Interest bearing checking		14,382,388		9.87	%		12,425,307		8.01	%
	Money market		21,794,546		14.95	%		20,666,315		13.33	%
	Passbook savings		16,941,081		11.62	%		15,217,679		9.81	%
	Certificates of deposit		87,431,608		59.98	%		102,451,709		66.07	%
	Interest bearing		140,549,623		96.42	%		150,761,010		97.22	%
	Total	$	145,768,651		100	%	$	155,074,645		100	%
Interest Expense on Deposits [Table Text Block]	'
		December 31,
		2013		2012
	Money market	$	50,793	$	85,218
	Savings		13,711		19,563
	Certificates of deposit		1,381,045		2,054,420
	Checking		6,410		10,441
		$	1,451,959	$	2,169,642
Schedule of Maturities of Certificates of Deposit [Table Text Block]	'
	2014	$	38,496,666
	2015		20,974,016
	2016		8,346,210
	2017		8,571,082
	2018		11,043,634
		$	87,431,608

Note_10_Employment_Benefit_and1

Note 10 - Employment Benefit and Retirement Plans (Tables)	12 Months Ended
	Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]	'
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	'
			December 31,
			2013			2012
	Shares allocated			45,788			40,701
	Shares withdrawn from the plan			(8,249	)		(6,250	)
	Unallocated shares			30,526			35,613
	Total ESOP shares			68,065			70,064
	Fair value of unallocated shares		$	259,471		$	245,730
Schedule of Post Retirement Health Benefits [Table Text Block]	'
			December 31,
			2013			2012
	Number of participants:
	Retirees			3			3
	Active employees - fully eligible			1			1
	Active employees - not yet eligible			3			3
	Total			7			7
Schedule of Changes in Projected Benefit Obligations [Table Text Block]	'
			Year ended December 31,
			2013			2012
	Change in benefit obligation		(Amounts in thousands)
	Benefit obligation at beginning of year		$	241		$	184
	Service cost			5			4
	Interest cost			10			9
	Actuarial loss			36			47
	Benefits paid			(7	)		(6	)
	Retiree contributions			3			3
	Benefit obligation at end of year			288			241
	Change in plan assets
	Employer contributions			3			3
	Retiree contributions			4			3
	Benefits paid			(7	)		(6	)
	Fair value of plan assets at year end			-			-
	Funded status			(288	)		(241	)
	Actuarial loss (gain)			(116	)		(171	)
	Net amount recognized		$	(404	)	$	(412	)
Schedule of Amounts Recognized in Balance Sheet [Table Text Block]	'
			December 31,
			2013			2012
	Accumulated post-retirement benefit obligation:
	Retirees		$	(64,642	)	$	(52,721	)
	Active employees - fully eligible			(63,757	)		(55,724	)
	Active employees - not yet eligible			(159,300	)		(132,062	)
	Total			(287,699	)		(240,507	)
	Plan assets at fair value			-			-
	Funded status			(287,699	)		(240,507	)
	Actuarial (gain)			(116,134	)		(171,279	)
	(Accrued) cost included in other liabilities		$	(403,833	)	$	(411,786	)
Schedule of Net Benefit Costs [Table Text Block]	'
			Year ended December 31,
			2013			2012
	Service cost		$	4,706		$	3,549
	Interest cost			9,741			9,136
	Amortization net gain			(19,789	)		(18,291	)
	Net cost		$	(5,342	)	$	(5,606	)
Schedule of Assumptions Used to Calculate Net Benefit Cost [Table Text Block]	'
			December 31,
			2013			2012
	Discount rate			4.92	%		4	%
	Expected long-term return on plan assets			-			-
	Rate of compensation increase			-			-
Schedule of Health Care Cost Trend Rates [Table Text Block]	'
			December 31,
			2013			2012
	Health care cost trend rate assumed for next year			8	%		8	%
	Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)			6	%		4	%
	Year that the rate reaches the ultimate trend rate		2018			2017
Schedule of Effect of One-Percentage-Point Change in Assumed Health Care Cost Trend Rates [Table Text Block]	'
			1-Percentage			1-Percentage
			Point Increase			Point Decrease
			(Amounts in thousands)
	Effect on total of service and interest cost components		$	3		$	(2	)
	Effect on post-retirement benefit obligation		$	55		$	(44	)
Schedule of Expected Benefit Payments [Table Text Block]	'
						Other Benefits
						(Amounts in thousands)
		2014				$	9
		2015					11
		2016					15
		2017					21
		2018					23
		2019-2023					181

Note_11_Stock_Compensation_Tab

Note 11 - Stock Compensation (Tables)	12 Months Ended
	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Schedule of Share-based Compensation, Activity [Table Text Block]	'
	Year ending December 31, 2013	Shares			Weighted
					Average Grant
					Date Fair
					Value
	Outstanding and non-vested at beginning of year		6,719		$	5.16
	Granted		-			-
	Vested and transferred to recipients		(2,180	)		5.94
	Outstanding and non-vested at end of year		4,539		$	4.79
	Year ending December 31, 2012	Shares			Weighted
					Average Grant
					Date Fair
					Value
	Outstanding and non-vested at beginning of year		8,899		$	5.35
	Granted		-			-
	Vested and transferred to recipients		(2,180	)		5.94
	Outstanding and non-vested at end of year		6,719		$	5.16
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	'
	Year ended December 31, 2013	Shares			Weighted		Weighted	Aggregate
					Average		Average	Intrinsic
					Exercise		Remaining	Value
					Price		Contractual
							Term (years)
	Outstanding at beginning of year		92,667		$	10.46	5.1	$	-
	Granted		-			-
	Exercised		-			-
	Outstanding at end of year		92,667		$	10.46	4.1	$	-
	Exercisable at year end		81,326		$	11.26	3.61	$	-
	Year ended December 31, 2012	Shares			Weighted		Weighted	Aggregate
					Average		Average	Intrinsic
					Exercise		Remaining	Value
					Price		Contractual
							Term (years)
	Outstanding at beginning of year		92,667		$	10.46	6.1	$	-
	Granted		-			-
	Exercised		-			-
	Outstanding at end of year		92,667		$	10.46	5.1	$	-
	Exercisable at year end		75,875		$	11.64	4.37	$	-
Schedule of Nonvested Share Activity [Table Text Block]	'
	Stock Options	Shares			Weighted
					Average
					Exercise
					Price
	Non-vested at beginning of year		16,792		$	5.16
	Granted		-			-
	Vested		(5,451	)		5.94
	Non-vested at end of year		11,341		$	4.79

Note_12_Income_Taxes_Tables

Note 12 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	'
		Years Ended December 31,
		2013			2012
	Federal:
	Current	$	363,770		$	(229,782	)
	Deferred		28,623			464,562
			392,393			234,780
	State:
	Current		138,944			73,510
	Deferred		8,655			(38,088	)
			147,599			35,422
		$	539,992		$	270,202
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	'
		Years Ended December 31,
		2013			2012
	Expected income taxes	$	514,192		$	330,537
	Income tax effect of:
	State taxes, net of federal tax benefit		95,939			23,024
	Tax exempt interest		(83,386	)		(63,766	)
	Income taxed at lower rates		(14,691	)		(9,444	)
	Other		27,938			(10,149	)
		$	539,992		$	270,202
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	'
		December 31,
		2013			2012
	Deferred tax assets
	Unrealized loss on securities available for sale	$	2,310		$	-
	Employee benefit plans		857,758			759,470
	Allowance for loan losses		1,146,769			1,332,288
	Net operating loss carryforwards		109,708			136,242
	MRP/RRP compensation		183,885			186,562
	Other		149,642			70,478
			2,450,072			2,485,040
	Deferred tax liabilities
	Unrealized gain on securities available for sale		-			(241,377	)
			-			(241,377	)
	Net deferred tax asset	$	2,450,072		$	2,243,663

Note_13_Regulatory_Matters_Tab

Note 13 - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2013
Disclosure Text Block Supplement [Abstract]	'
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	'
		Actual					For Capital					To Be Well
							Adequacy Purposes:					Capitalized Under
												Prompt Corrective
												Action Provisions:
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	December 31, 2013:
	Total Risk-Based Capital (to risk-weighted assets)	$	20,287,994		20.79	%	$	7,806,616		8	%	$	9,758,270		10	%
	Tier I Risk-Based Capital (to risk-weighted assets)	$	19,047,336		19.52	%	$	3,903,308		4	%	$	5,854,962		6	%
	Tier I Leverage (to average assets)	$	19,047,336		11.32	%	$	6,729,204		4	%	$	8,411,505		5	%
	Tangible Capital (to average assets)	$	19,047,336		11.32	%	$	2,523,452		1.5	%	N/A		N/A
	December 31, 2012:
	Total Risk-Based Capital (to risk-weighted assets)	$	19,532,989		18.19	%	$	8,590,954		8	%	$	10,738,692		10	%
	Tier I Risk-Based Capital (to risk-weighted assets)	$	18,165,479		16.92	%	$	4,295,477		4	%	$	6,443,215		6	%
	Tier I Leverage (to average assets)	$	18,165,479		10.3	%	$	7,054,242		4	%	$	8,817,802		5	%
	Tangible Capital (to average assets)	$	18,165,479		10.3	%	$	2,645,341		1.5	%	N/A		N/A

Note_14_Commitments_and_Contin1

Note 14 - Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	'
		Variable rate		Fixed rate		Total		Range of rates
								on fixed rate commitments
	As of December 31, 2013:
	Commitments to originate loans	$	100,000	$	6,707,271	$	6,807,271	2.82%	-	6.25	%
	Unfunded commitments on construction loans		1,646,742		49,411		1,696,153		3.75		%
	Unfunded commitments under lines of credit		8,046,036		-		8,046,036		-
			9,792,778		6,756,682		16,549,460
	Standby letters of credit		-		-		-		-
		$	9,792,778	$	6,756,682	$	16,549,460
	As of December 31, 2012:
	Commitments to originate loans	$	-	$	6,559,402	$	6,559,402	4.25%	-	6.75	%
	Unfunded commitments on construction loans		-		56,191		56,191	4			%
	Unfunded commitments under lines of credit		8,286,518		-		8,286,518		-
			8,286,518		6,615,593		14,902,111
	Standby letters of credit		-		-		-		-
		$	8,286,518	$	6,615,593	$	14,902,111

Note_15_Fair_Value_Measurement1

Note 15 - Fair Value Measurements and Disclosures (Tables)	12 Months Ended
	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	31-Dec-13	Level 1		Level 2		Level 3		Total
								Fair Value
	State and municipal securities available for sale	$	-	$	8,444,519	$	-	$	8,444,519
	Residential mortgage-backed securities available for sale		-		26,102,561		-		26,102,561
		$	-	$	34,547,080	$	-	$	34,547,080
	31-Dec-12	Level 1		Level 2		Level 3		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]	'
	31-Dec-13	Level 1		Level 2		Level 3		Fair Value
	Foreclosed assets	$	-	$	-	$	597,493	$	597,493
	Impaired loans, net		-		-		702,760		702,760
	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

Note_16_Fair_Values_of_Financi1

Note 16 - Fair Values of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2013
Fair Values Of Financial Instruments [Abstract]	'
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
		Carrying		Fair Value Measurements at
				December 31, 2013 using:
		Amount		Level 1		Level 2		Level 3		Total
	Financial Assets:
	Cash and cash equivalents	$	6,605,840	$	6,605,840	$	-	$	-	$	6,605,840
	Federal funds sold		3,630,000		3,630,000		-		-		3,630,000
	Securities		35,780,616		-		35,780,616		-		35,780,616
	Accrued interest receivable		652,693		652,693		-		-		652,693
	Net loans		110,672,618		-		-		112,991,000		112,991,000
	Mortgage servicing rights		158,030		-		-		158,030		158,030
	Financial Liabilities:
	Non-interest bearing deposits		5,219,028		5,219,028		-		-		5,219,028
	Interest bearing deposits		140,549,623		-		-		139,327,972		139,327,972
	Accrued interest payable		582		582		-		-		582
		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_17_Condensed_Parent_Only_1

Note 17 - Condensed Parent Only Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Balance Sheet [Table Text Block]	'
		December 31,
		2013			2012
	Statements of financial condition
	Assets:
	Interest bearing deposits	$	311,633		$	296,497
	Equity in net assets of Ottawa Savings Bank		21,115,926			20,559,103
	ESOP note receivable		377,823			428,490
	Total assets	$	21,805,382		$	21,284,090
	Liabilities and stockholders' equity:
	Liabilities	$	-		$	-
	Redeemable common stock in ESOP plan		319,090			237,712
	Stockholders' Equity		21,486,292			21,046,378
	Total liabilities and stockholders' equity	$	21,805,382		$	21,284,090
		December 31,
		2013			2012
	Statements of operations
	Equity in net income of subsidiary	$	964,658		$	701,258
	Interest income		26,781			29,865
	Operating income		991,439			731,123
	Other expenses		62,311			70,964
	Income before income tax benefit		929,128			660,159
	Income tax (benefit)		-			(14,031	)
	Net income	$	929,128		$	674,190
		December 31,
	Statements of cash flows	2013			2012
	Operating activities:
	Net income	$	929,128		$	674,190
	Adjustments to reconcile net income to net cash used in operating activities:
	Increase (decrease) in other assets		-			2,113
	(Decrease) increase in other liabilities		-			(3,751	)
	Undistributed net income of subsidiary		(964,658	)		(701,258	)
	Net cash used in operating activities		(35,530	)		(28,706	)
	Investing activities:
	Payments received on ESOP note receivable		50,666			47,610
	Net cash provided by investing activities		50,666			47,610
	Financing activities:
	Cash dividends paid		-			-
	Purchase of treasury stock		-			-
	Net cash used in financing activities		-			-
	Net increase in cash and cash equivalents		15,136			18,904
	Cash and cash equivalents:
	Beginning of period		296,497			277,593
	End of period	$	311,633		$	296,497
	Supplemental Schedule of Noncash Investing and Financing Activities
	Increase in ESOP put option liability	$	81,378		$	127,894

Note_1_Summary_of_Significant_2

Note 1 - Summary of Significant Accounting Policies (Details) (USD $)

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2005

Dec. 31, 2005

Dec. 31, 2013

Dec. 31, 2013

Loans Receivable [Member]

Land Development [Member]

Non-Residential Loan [Member]

Residential Construction [Member]

Commercial Construction Loan [Member]

Commercial Construction Loan [Member]

Single Family Subdivision or Builder Loan [Member]

Unsecured Loans [Member]

Ottawa Savings Bancorp MHC [Member]

Ottawa Savings Bancorp MHC [Member]

Public [Member]

Maximum [Member]

Minimum [Member]

Maximum [Member]

Maximum [Member]

Maximum [Member]

Minimum [Member]

Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Common Stock, Shares, Issued (in Shares)

2,224,911

2,224,911

'

'

'

'

'

'

'

'

'

'

1,223,701

1,001,210

'

'

Common Stock, Shares, Outstanding (in Shares)

'

'

'

'

'

'

'

'

'

'

'

1,223,701

'

'

'

'

Noncontrolling Interest, Ownership Percentage by Parent

57.80%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Historical Loss Rate, Weighting Applied to Each of the Most Recent Four Quarters

40.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Historical Loss Rate, Weighting Applied to Each of the Next Eight Quarters

30.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Maximum Revenues of Customers (in Dollars)

$5,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Term of Loans

'

'

'5 years

'

'10 years

'

'2 years

'9 months

'

'

'4 years

'

'

'

'5 years

'3 years

Line of Credit Facility, Expiration Period

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'365 days

'

Loan to Value Ratio

'

'

'

70.00%

'

'

'

'

70.00%

100.00%

'

'

'

'

'

'

Percentage of Loan Balance to Be Repaid As Lots Sold

'

'

'

'

'

80.00%

'

'

'

'

'

'

'

'

'

'

Percentage of Loan Guaranteed by USDA

'

'

'

'

'

'

'

'

'

90.00%

'

'

'

'

'

'

Maximum Borrowing Limit (in Dollars)

'

'

'

'

'

'

'

'

'

'

$25,000

'

'

'

'

'

Number of Operating Segments

1

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Note_1_Summary_of_Significant_3

Note 1 - Summary of Significant Accounting Policies (Details) - Estimated Useful Lives of Property Plant and Equipment	12 Months Ended
	Dec. 31, 2013
Building [Member] | Minimum [Member]	'
Note 1 - Summary of Significant Accounting Policies (Details) - Estimated Useful Lives of Property Plant and Equipment [Line Items]	'
Estimated Useful Lives	'5 years
Building [Member] | Maximum [Member]	'
Note 1 - Summary of Significant Accounting Policies (Details) - Estimated Useful Lives of Property Plant and Equipment [Line Items]	'
Estimated Useful Lives	'50 years
Furniture and Equipment [Member] | Minimum [Member]	'
Note 1 - Summary of Significant Accounting Policies (Details) - Estimated Useful Lives of Property Plant and Equipment [Line Items]	'
Estimated Useful Lives	'5 years
Furniture and Equipment [Member] | Maximum [Member]	'
Note 1 - Summary of Significant Accounting Policies (Details) - Estimated Useful Lives of Property Plant and Equipment [Line Items]	'
Estimated Useful Lives	'39 years

Note_1_Summary_of_Significant_4

Note 1 - Summary of Significant Accounting Policies (Details) - Earnings Per Share (USD $)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
Note 1 - Summary of Significant Accounting Policies (Details) - Earnings Per Share [Line Items]	'		'
Net income available to common stockholders (in Dollars)	$929,128		$674,190
Basic potential common shares:	'		'
Weighted average shares outstanding	2,117,979		2,117,979
Weighted average unallocated ESOP shares	30,526		35,613
Weighted average unvested MRP shares	-6,488		-8,632
Basic weighted average shares outstanding	2,078,235		2,070,998
Dilutive potential common shares:	'		'
Dilutive weighted average shares outstanding	2,083,328		2,089,443
Basic earnings per share (in Dollars per share)	$0.45		$0.33
Diluted earnings per share (in Dollars per share)	$0.45		$0.32
Weighted Average Unrecognized Compensation on MRP Shares [Member]	'		'
Dilutive potential common shares:	'		'
Dilutive potential common shares	5,093		18,445
Weighted Average RRP Options Outstanding [Member]	'		'
Dilutive potential common shares:	'		'
Dilutive potential common shares	0	[1]	0	[1]
Weighted Average Number of Shares [Member]	'		'
Basic potential common shares:	'		'
Weighted average unallocated ESOP shares	-33,256		-38,349
[1]	The effect of share options for both 2013 and 2012 were not included in the calculation of diluted earnings per share because to do so would have been anti-dilutive.

Note_3_Investment_Securities_D

Note 3 - Investment Securities (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 3 - Investment Securities (Details) [Line Items]	'	'
Trading Securities Pledged as Collateral	$300,000	'
Proceeds from Sale and Maturity of Marketable Securities	0	3,000,000
Trading Securities, Realized Gain	0	58,614
Trading Securities, Realized Loss	0	44,666
Income Tax Expense (Benefit)	539,992	270,202
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	27	'
Aggregate Percentage Loss on Securities With Unrealized Loss Position	2.77%	'
Realized Gain on Securities [Member]	'	'
Note 3 - Investment Securities (Details) [Line Items]	'	'
Income Tax Expense (Benefit)	$0	$4,742

Note_3_Investment_Securities_D1

Note 3 - Investment Securities (Details) - The Amortized Cost and Fair Values of Securities (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Available for Sale	'	'
Available for Sale - Amortized Cost	$34,553,875	$28,153,672
Available for Sale - Gross Unrealized Gains	449,250	822,209
Available for Sale - Gross Unrealized Losses	456,045	112,278
Available for Sale - Fair Value	34,547,080	28,863,603
Held to Maturity	'	'
Residential mortgage-backed securities	'	12
US States and Political Subdivisions Debt Securities [Member]	'	'
Available for Sale	'	'
Available for Sale - Amortized Cost	8,676,586	6,789,496
Available for Sale - Gross Unrealized Gains	80,152	343,292
Available for Sale - Gross Unrealized Losses	312,219	12,266
Available for Sale - Fair Value	8,444,519	7,120,522
Residential Mortgage Backed Securities [Member]	'	'
Available for Sale	'	'
Available for Sale - Amortized Cost	25,877,289	21,364,176
Available for Sale - Gross Unrealized Gains	369,098	478,917
Available for Sale - Gross Unrealized Losses	143,826	100,012
Available for Sale - Fair Value	26,102,561	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_3_Investment_Securities_D2

Note 3 - Investment Securities (Details) - The Amortized Cost and Fair Value by Contractual Maturity (USD $)	Dec. 31, 2013
Note 3 - 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	3,338,684
Due after five years through ten years	3,285,583
Due after ten years	5,337,902
Due after ten years	5,158,936
	34,553,875
	34,547,080
Residential Mortgage Backed Securities [Member]	'
Note 3 - Investment Securities (Details) - The Amortized Cost and Fair Value by Contractual Maturity [Line Items]	'
Residential mortgage-backed securities	25,877,289
Residential mortgage-backed securities	$26,102,561

Note_3_Investment_Securities_D3

Note 3 - Investment Securities (Details) - Securities With Gross Unrealized Losses (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Securities Available for Sale	'	'
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Fair Value	$14,770,462	$5,479,099
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	411,138	85,872
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	1,252,813	2,587,548
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	44,907	26,406
Available for Sale Securities - Unrealized Loss Position Fair Value	16,023,275	8,066,647
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	456,045	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	4,937,528	1,160,173
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	288,364	12,266
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	258,573	0
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	23,855	0
Available for Sale Securities - Unrealized Loss Position Fair Value	5,196,101	1,160,173
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	312,219	12,266
Residential Mortgage Backed Securities [Member]	'	'
Securities Available for Sale	'	'
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Fair Value	9,832,934	4,318,926
Available for Sale Securities - Unrealized Loss Position Less than 12 Months Unrealized Losses	122,774	73,606
Available for Sale Securities - Unrealized Loss Position 12 Months or More Fair Value	994,240	2,587,548
Available for Sale Securities - Unrealized Loss Position 12 Months or More Unrealized Losses	21,052	26,406
Available for Sale Securities - Unrealized Loss Position Fair Value	10,827,174	6,906,474
Available for Sale Securities - Unrealized Loss Position Unrealized Losses	$143,826	$100,012

Note_4_Loans_and_Allowance_for2

Note 4 - Loans and Allowance for Credit Losses (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 4 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'
Impaired Financing Receivable, Recorded Investment	$5,787,847	$5,618,118
Financing Receivable, Modifications, Number of Contracts	5	7
Troubled Debt Restructurings [Member] | 1-4 Family Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'
Financing Receivable, Modifications, Number of Contracts	5	'
Troubled Debt Restructurings [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'
Impaired Financing Receivable, Recorded Investment	3,100,000	3,100,000
1-4 Family Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) [Line Items]	'	'
Impaired Financing Receivable, Recorded Investment	3,455,604	2,891,821
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$616,000	'

Note_4_Loans_and_Allowance_for3

Note 4 - Loans and Allowance for Credit Losses (Details) - Components of Loans, Net of Deferred Loan Costs (Fees) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Residential real estate loans:	'	'	'
Financing receivable	$113,583,198	$125,376,292	'
Less: Allowance for loan losses	-2,910,580	-3,381,441	-4,747,412
Loans, net	110,672,618	121,994,851	'
1-4 Family Loan [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	77,406,656	83,018,756	'
Multi-family Residential Loans [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	2,744,963	4,849,766	'
Mortgage Receivable [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	80,151,619	87,868,522	'
Non-Residential Loan [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	17,016,805	20,506,860	'
Commercial Loans [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	7,860,312	8,648,191	'
Consumer Direct Loans [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	392,273	542,652	'
Purchased Auto Loans [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	8,162,189	7,810,067	'
Non-Mortgage Loans [Member]	'	'	'
Residential real estate loans:	'	'	'
Financing receivable	$33,431,579	$37,507,770	'

Note_4_Loans_and_Allowance_for4

Note 4 - Loans and Allowance for Credit Losses (Details) - Purchases of Loans Receivable (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Purchases of Loans Receivable [Abstract]	'	'
Purchased auto	$4,048,406	$5,846,908

Note_4_Loans_and_Allowance_for5

Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	($1,345,861)	($3,277,971)
1-4 Family Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	-1,121,124	-2,302,726
Multi-Family Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	-267,628	-133,430
Non-Residential Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	51,820	-771,745
Commercial Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	'	-52,573
Consumer Direct Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	-647	-351
Purchased Auto Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Net (Charge-offs) / Recoveries [Line Items]	'	'
Net (charge-offs)/recoveries	($8,282)	($17,146)

Note_4_Loans_and_Allowance_for6

Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	$3,381,441	$4,747,412
Provision charged to income	875,000	1,912,000
Loans charged off	-1,519,377	-3,336,372
Recoveries of loans previously charged off	173,516	58,401
Balance at end of period	2,910,580	3,381,441
Loans individually evaluated for impairment	5,787,847	5,618,118
Loans collectively evaluated for impairment	107,795,351	119,758,174
Ending Balance	113,583,198	125,376,292
Period-end amount allocated to loans individually evaluated for impairment	265,143	178,417
Period-end amount allocated to loans collectively evaluated for impairment	2,645,437	3,203,024
1-4 Family Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	2,057,336	3,113,345
Provision charged to income	1,341,113	1,246,717
Loans charged off	-1,135,452	-2,351,742
Recoveries of loans previously charged off	14,328	49,016
Balance at end of period	2,277,325	2,057,336
Loans individually evaluated for impairment	3,455,604	2,891,821
Loans collectively evaluated for impairment	73,951,052	80,126,935
Ending Balance	77,406,656	83,018,756
Period-end amount allocated to loans individually evaluated for impairment	235,166	147,209
Period-end amount allocated to loans collectively evaluated for impairment	2,042,159	1,910,127
Multi-Family Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	161,901	438,542
Provision charged to income	247,094	-143,211
Loans charged off	-282,154	-133,430
Recoveries of loans previously charged off	14,526	'
Balance at end of period	141,367	161,901
Loans collectively evaluated for impairment	2,744,963	4,849,766
Ending Balance	2,744,963	4,849,766
Period-end amount allocated to loans collectively evaluated for impairment	141,367	161,901
Non-Residential Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	1,012,119	1,145,889
Provision charged to income	-675,724	637,975
Loans charged off	-84,364	-771,745
Recoveries of loans previously charged off	136,184	'
Balance at end of period	388,215	1,012,119
Loans individually evaluated for impairment	2,332,243	2,726,297
Loans collectively evaluated for impairment	14,684,562	17,780,563
Ending Balance	17,016,805	20,506,860
Period-end amount allocated to loans individually evaluated for impairment	29,977	31,208
Period-end amount allocated to loans collectively evaluated for impairment	358,238	980,911
Commercial Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	75,130	10,571
Provision charged to income	-45,165	117,132
Loans charged off	'	-52,573
Balance at end of period	29,965	75,130
Loans collectively evaluated for impairment	7,860,312	8,648,191
Ending Balance	7,860,312	8,648,191
Period-end amount allocated to loans collectively evaluated for impairment	29,965	75,130
Consumer Direct Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	1,465	3,578
Provision charged to income	880	-1,762
Loans charged off	-647	-531
Recoveries of loans previously charged off	'	180
Balance at end of period	1,698	1,465
Loans collectively evaluated for impairment	392,273	542,652
Ending Balance	392,273	542,652
Period-end amount allocated to loans collectively evaluated for impairment	1,698	1,465
Purchased Auto Loans [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Recorded Investment in Loans and the Related Allowances [Line Items]	'	'
Balance at beginning of period	73,490	35,487
Provision charged to income	6,802	55,149
Loans charged off	-16,760	-26,351
Recoveries of loans previously charged off	8,478	9,205
Balance at end of period	72,010	73,490
Loans collectively evaluated for impairment	8,162,189	7,810,067
Ending Balance	8,162,189	7,810,067
Period-end amount allocated to loans collectively evaluated for impairment	$72,010	$73,490

Note_4_Loans_and_Allowance_for7

Note 4 - Loans and Allowance for Credit Losses (Details) - Loans Individually Evaluated for Impairment (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	$6,483,740	$10,260,846
Recorded Investment With No Allowance	4,819,944	1,503,739
Recorded Investment With Allowance	967,903	4,114,379
Total Recorded Investment	5,787,847	5,618,118
Related Allowance	265,143	178,417
Average Recorded Investment	5,785,224	8,084,395
1-4 Family Loan [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	3,851,948	3,664,253
Recorded Investment With No Allowance	2,729,178	820,150
Recorded Investment With Allowance	726,426	2,071,671
Total Recorded Investment	3,455,604	2,891,821
Related Allowance	235,166	147,209
Average Recorded Investment	3,480,595	6,141,106
Multi-Family Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Average Recorded Investment	16,033	104,209
Non-Residential Loan [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Unpaid Contractual Principal Balance	2,631,792	6,596,593
Recorded Investment With No Allowance	2,090,766	683,589
Recorded Investment With Allowance	241,477	2,042,708
Total Recorded Investment	2,332,243	2,726,297
Related Allowance	29,977	31,208
Average Recorded Investment	2,288,596	1,814,361
Commercial Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Average Recorded Investment	'	605
Consumer Direct Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Average Recorded Investment	'	12,057
Purchased Auto Loans [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Average Recorded Investment	'	$12,057

Note_4_Loans_and_Allowance_for8

Note 4 - Loans and Allowance for Credit Losses (Details) - Troubled Debt Restructurings (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Modifications [Line Items]	'	'
Number of Modifications	5	7
Modifications Recorded Investment	$662,065	$2,440,906
Modifications Increase in Allowance	2,609	7,708
1-4 Family Loan [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Modifications	5	6
Modifications Recorded Investment	662,065	633,198
Modifications Increase in Allowance	2,609	'
Non-Residential Loan [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Modifications	'	1
Modifications Recorded Investment	'	1,807,708
Modifications Increase in Allowance	'	$7,708

Note_4_Loans_and_Allowance_for9

Note 4 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days (USD $)	Dec. 31, 2013	Dec. 31, 2012
Note 4 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	$5,881,741	$6,053,177
Loans Past Due Over 90 Days Still Accruing	'	270,762
1-4 Family Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	3,549,498	3,067,190
Loans Past Due Over 90 Days Still Accruing	'	106,457
Non-Residential Loan [Member]	'	'
Note 4 - Loans and Allowance for Credit Losses (Details) - Nonaccrual Loans and Loans Past Due Over 90 Days [Line Items]	'	'
Nonaccrual Loans	2,332,243	2,985,987
Loans Past Due Over 90 Days Still Accruing	'	$164,305

Recovered_Sheet1

Note 4 - Loans and Allowance for Credit Losses (Details) - Aging of the Recorded Investment in Loans (USD $)	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	$3,152,214	$2,922,859
Loans 60-89 Days Past Due	921,190	969,920
Loans 90 or More Days Past Due	1,932,172	2,137,822
Total Past Due Loans	6,005,576	6,030,601
Current Loans	107,577,622	119,345,691
Total Loans	113,583,198	125,376,292
1-4 Family Loan [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	2,550,329	2,322,111
Loans 60-89 Days Past Due	492,545	616,274
Loans 90 or More Days Past Due	1,613,697	1,621,408
Total Past Due Loans	4,656,571	4,559,793
Current Loans	72,750,085	78,458,963
Total Loans	77,406,656	83,018,756
Multi-Family Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	263,313	97,267
Total Past Due Loans	263,313	97,267
Current Loans	2,481,650	4,752,499
Total Loans	2,744,963	4,849,766
Non-Residential Loan [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	289,111	473,458
Loans 60-89 Days Past Due	428,645	334,389
Loans 90 or More Days Past Due	318,475	516,414
Total Past Due Loans	1,036,231	1,324,261
Current Loans	15,980,574	19,182,599
Total Loans	17,016,805	20,506,860
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	25,795	23,601
Total Past Due Loans	25,795	23,601
Current Loans	7,834,517	8,624,590
Total Loans	7,860,312	8,648,191
Consumer Direct Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	947	'
Total Past Due Loans	947	'
Current Loans	391,326	542,652
Total Loans	392,273	542,652
Purchased Auto Loans [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans 30-59 Days Past Due	22,719	6,422
Loans 60-89 Days Past Due	'	19,257
Total Past Due Loans	22,719	25,679
Current Loans	8,139,470	7,784,388
Total Loans	$8,162,189	$7,810,067

Recovered_Sheet2

Note 4 - Loans and Allowance for Credit Losses (Details) - Loans by Risk Category (USD $)	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	$113,583,198	$125,376,292
1-4 Family Loan [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	1,242,347	3,925,077
1-4 Family Loan [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	3,455,604	2,891,821
1-4 Family Loan [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	72,708,705	76,201,858
1-4 Family Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	77,406,656	83,018,756
Multi-Family Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	'	3,826
Multi-Family Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,744,963	4,845,940
Multi-Family Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,744,963	4,849,766
Non-Residential Loan [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	12,565,850	17,466,220
Non-Residential Loan [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,118,712	314,343
Non-Residential Loan [Member] | Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	2,332,243	2,726,297
Non-Residential Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	17,016,805	20,506,860
Commercial Loans [Member] | Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	7,860,021	8,486,147
Commercial Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	291	162,044
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	7,860,312	8,648,191
Consumer Direct Loans [Member] | Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	'	3,766
Consumer Direct Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	392,273	538,886
Consumer Direct Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	392,273	542,652
Purchased Auto Loans [Member] | Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	8,162,189	7,810,067
Purchased Auto Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	8,162,189	7,810,067
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	20,425,871	25,952,367
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	3,361,350	4,409,056
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	5,787,847	5,618,118
Not Rated [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Financing Receivable	$84,008,130	$89,396,751

Note_5_Servicing_Details

Note 5 - Servicing (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Servicing [Abstract]	'	'
Unpaid Principal Balance on Loans Serviced for Others	$23,943,969	$23,162,585

Note_6_Accrued_Interest_Receiv2

Note 6 - Accrued Interest Receivable (Details) - Accrued Interest Receivable (USD $)	Dec. 31, 2013	Dec. 31, 2012
Note 6 - Accrued Interest Receivable (Details) - Accrued Interest Receivable [Line Items]	'	'
Interest receivable	$652,693	$696,638
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 6 - Accrued Interest Receivable (Details) - Accrued Interest Receivable [Line Items]	'	'
Interest receivable	105,886	90,567
Residential Mortgage Backed Securities [Member]	'	'
Note 6 - Accrued Interest Receivable (Details) - Accrued Interest Receivable [Line Items]	'	'
Interest receivable	90,288	82,593
Loans Receivable [Member]	'	'
Note 6 - Accrued Interest Receivable (Details) - Accrued Interest Receivable [Line Items]	'	'
Interest receivable	$456,519	$523,478

Note_7_Premises_and_Equipment_1

Note 7 - Premises and Equipment (Details) - Premises and Equipment (USD $)	Dec. 31, 2013	Dec. 31, 2012
Cost:	'	'
Property and equipment gross	$10,198,494	$10,189,922
Less: Accumulated depreciation	3,747,085	3,560,128
	6,451,409	6,629,794
Land [Member]	'	'
Cost:	'	'
Property and equipment gross	1,966,899	1,966,899
Building [Member]	'	'
Cost:	'	'
Property and equipment gross	6,694,313	6,688,463
Furniture and Equipment [Member]	'	'
Cost:	'	'
Property and equipment gross	$1,537,282	$1,534,560

Note_8_Deposits_Details

Note 8 - Deposits (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 8 - Deposits (Details) [Line Items]	'	'
Deposits	$145,768,651	$155,074,645
Time Deposits, $100,000 or More	35,803,000	41,799,000
Interest-bearing Domestic Deposit, Brokered	272,000	525,000
Payments for Brokerage Fees	606	588
Directors, Principal Officers, and Immediate Family [Member]	'	'
Note 8 - Deposits (Details) [Line Items]	'	'
Deposits	1,824,825	1,529,230
Public [Member]	'	'
Note 8 - Deposits (Details) [Line Items]	'	'
Deposits	2,968,766	2,977,627
More than $250,000 [Member]	'	'
Note 8 - Deposits (Details) [Line Items]	'	'
Time Deposits, $100,000 or More	$7,606,000	$9,075,000

Note_8_Deposits_Details_Deposi

Note 8 - Deposits (Details) - Deposits (USD $)	Dec. 31, 2013	Dec. 31, 2012
Deposits [Abstract]	'	'
Non-interest bearing checking	$5,219,028	$4,313,635
Non-interest bearing checking	3.58%	2.78%
Interest bearing checking	14,382,388	12,425,307
Interest bearing checking	9.87%	8.01%
Money market	21,794,546	20,666,315
Money market	14.95%	13.33%
Passbook savings	16,941,081	15,217,679
Passbook savings	11.62%	9.81%
Certificates of deposit	87,431,608	102,451,709
Certificates of deposit	59.98%	66.07%
Interest bearing	140,549,623	150,761,010
Interest bearing	96.42%	97.22%
Total	$145,768,651	$155,074,645
Total	100.00%	100.00%

Note_8_Deposits_Details_Intere

Note 8 - Deposits (Details) - Interest Expense on Deposits (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Interest Expense on Deposits [Abstract]	'	'
Money market	$50,793	$85,218
Savings	13,711	19,563
Certificates of deposit	1,381,045	2,054,420
Checking	6,410	10,441
	$1,451,959	$2,169,642

Note_8_Deposits_Details_Schedu

Note 8 - Deposits (Details) - Scheduled Maturities of Certificates of Deposit (USD $)	Dec. 31, 2013	Dec. 31, 2012
Scheduled Maturities of Certificates of Deposit [Abstract]	'	'
2014	$38,496,666	'
2015	20,974,016	'
2016	8,346,210	'
2017	8,571,082	'
2018	11,043,634	'
	$87,431,608	$102,451,709

Note_9_Borrowings_Details

Note 9 - Borrowings (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Note 9 - Borrowings (Details) [Line Items]	'	'
Advances from Federal Home Loan Banks	$0	$0
Federal Funds Purchased	0	0
Federal Home Loan Bank of Chicago [Member]	'	'
Note 9 - Borrowings (Details) [Line Items]	'	'
Line of Credit Facility, Remaining Borrowing Capacity	50,400,000	'
Bankers Bank of Wisconsin [Member]	'	'
Note 9 - Borrowings (Details) [Line Items]	'	'
Line of Credit Facility, Remaining Borrowing Capacity	$5,000,000	'

Note_10_Employment_Benefit_and2

Note 10 - Employment Benefit and Retirement Plans (Details) (USD $)	1 Months Ended	12 Months Ended
	Sep. 19, 2007	Dec. 31, 2013	Dec. 31, 2012	6-May-05
Note 10 - Employment Benefit and Retirement Plans (Details) [Line Items]	'	'	'	'
Loan To Employee Stock Ownership Plan	'	'	'	$763,140
Employee Stock Ownership Plan (ESOP), Shares in ESOP (in Shares)	'	68,065	70,064	76,314
Initial Public Offering Share Price (in Dollars per share)	'	'	'	$10
Employee Stock Ownership Plan ESOP Interest and Principal Payments From ESOP	'	77,000	'	'
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares (in Shares)	'	5,087	5,088	'
Fair Value Per Share (in Dollars per share)	'	$7.85	$5.82	'
Employee Stock Ownership Plan (ESOP), Compensation Expense	'	37,799	29,585	'
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in Shares)	'	45,788	40,701	'
Fair Value Inputs, Discount Rate	6.00%	'	'	'
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	'	50.00%	'	'
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay	'	6.00%	'	'
Defined Contribution Plan, Safe Harbor Contributions, Percent	'	3.00%	'	'
Defined Contribution Plan, Employer Discretionary Contribution Amount	'	71,154	59,771	'
Defined Benefit Plan, Contributions by Employer	'	3,000	3,000	'
Deferred Compensation Liability, Current and Noncurrent	'	1,105,696	939,028	'
Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year	'	9,000	'	'
Mezzanine Capital [Member]	'	'	'	'
Note 10 - Employment Benefit and Retirement Plans (Details) [Line Items]	'	'	'	'
Fair Value Per Share (in Dollars per share)	'	$8.50	$6.90	'
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in Shares)	'	37,539	34,451	'
Defined Contribution Pension [Member]	'	'	'	'
Note 10 - Employment Benefit and Retirement Plans (Details) [Line Items]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	'	'5 years	'	'
Supplemental Executive Retirement Plan [Member]	'	'	'	'
Note 10 - Employment Benefit and Retirement Plans (Details) [Line Items]	'	'	'	'
Pension and Other Postretirement Defined Benefit Plans, Liabilities	'	667,521	576,774	'
Pension and Other Postretirement Benefit Expense	'	106,978	93,972	'
Deferred Compensation Agreements with Certain Directors [Member]	'	'	'	'
Note 10 - Employment Benefit and Retirement Plans (Details) [Line Items]	'	'	'	'
Defined Benefit Plan, Contributions by Employer	'	$52,885	$53,864	'

Note_10_Employment_Benefit_and3

Note 10 - Employment Benefit and Retirement Plans (Details) - Employee Stock Ownership Plan (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	6-May-05
Employee Stock Ownership Plan [Abstract]	'	'	'
Shares allocated	45,788	40,701	'
Shares withdrawn from the plan	-8,249	-6,250	'
Unallocated shares	30,526	35,613	'
Total ESOP shares	68,065	70,064	76,314
Fair value of unallocated shares (in Dollars)	$259,471	$245,730	'

Note_10_Employment_Benefit_and4

Note 10 - Employment Benefit and Retirement Plans (Details) - Post-Retirement Health Benefits Valuation	Dec. 31, 2013	Dec. 31, 2012
Number of participants:	'	'
Number of Participants	7	7
Retirees [Member]	'	'
Number of participants:	'	'
Number of Participants	3	3
Active Employees - Fully Eligible [Member]	'	'
Number of participants:	'	'
Number of Participants	1	1
Active Employees - Not Yet Eligible [Member]	'	'
Number of participants:	'	'
Number of Participants	3	3

Note_10_Employment_Benefit_and5

Note 10 - Employment Benefit and Retirement Plans (Details) - Obligations and Funded Status (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Obligations and Funded Status [Abstract]	'	'
Benefit obligation at beginning of year	$241,000	$184,000
Service cost	4,706	3,549
Interest cost	9,741	9,136
Actuarial loss	36,000	47,000
Benefits paid	-7,000	-6,000
Retiree contributions	3,000	3,000
Benefit obligation at end of year	288,000	241,000
Employer contributions	3,000	3,000
Funded status	-287,699	-240,507
Actuarial loss (gain)	-116,134	-171,279
Net amount recognized	($404,000)	($412,000)

Note_10_Employment_Benefit_and6

Note 10 - Employment Benefit and Retirement Plans (Details) - Amounts Recognized in Statement of Financial Position (USD $)	Dec. 31, 2013	Dec. 31, 2012
Accumulated post-retirement benefit obligation:	'	'
Accumulated post-retirement benefit obligation	($287,699)	($240,507)
Funded status	-287,699	-240,507
Actuarial (gain)	-116,134	-171,279
(Accrued) cost included in other liabilities	-403,833	-411,786
Retirees [Member]	'	'
Accumulated post-retirement benefit obligation:	'	'
Accumulated post-retirement benefit obligation	-64,642	-52,721
Active Employees - Fully Eligible [Member]	'	'
Accumulated post-retirement benefit obligation:	'	'
Accumulated post-retirement benefit obligation	-63,757	-55,724
Active Employees - Not Yet Eligible [Member]	'	'
Accumulated post-retirement benefit obligation:	'	'
Accumulated post-retirement benefit obligation	($159,300)	($132,062)

Note_10_Employment_Benefit_and7

Note 10 - Employment Benefit and Retirement Plans (Details) - Components of Net Periodic Benefit Cost: (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Components of Net Periodic Benefit Cost: [Abstract]	'	'
Service cost	$4,706	$3,549
Interest cost	9,741	9,136
Amortization net gain	-19,789	-18,291
Net cost	($5,342)	($5,606)

Note_10_Employment_Benefit_and8

Note 10 - Employment Benefit and Retirement Plans (Details) - Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost [Abstract]	'	'
Discount rate	4.92%	4.00%
Expected long-term return on plan assets	0.00%	0.00%
Rate of compensation increase	0.00%	0.00%

Note_10_Employment_Benefit_and9

Note 10 - Employment Benefit and Retirement Plans (Details) - Assumed Health Care Cost Trend Rates	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Assumed Health Care Cost Trend Rates [Abstract]	'	'
Health care cost trend rate assumed for next year	8.00%	8.00%
Rate to which the cost trend rate is assumed to decline (the ultimate trend rate)	6.00%	4.00%
Year that the rate reaches the ultimate trend rate 2018	'	'2017

Recovered_Sheet3

Note 10 - Employment Benefit and Retirement Plans (Details) - A One-Percentage-Point Change in the Assumed Health Care Cost Trend Rate (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
A One-Percentage-Point Change in the Assumed Health Care Cost Trend Rate [Abstract]	'
Effect on total of service and interest cost components	$3
Effect on total of service and interest cost components	-2
Effect on post-retirement benefit obligation	55
Effect on post-retirement benefit obligation	($44)

Recovered_Sheet4

Note 10 - Employment Benefit and Retirement Plans (Details) - Estimated Future Benefit Payments (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Estimated Future Benefit Payments [Abstract]	'
2014	$9
2015	11
2016	15
2017	21
2018	23
2019-2023	$181

Note_11_Stock_Compensation_Det

Note 11 - Stock Compensation (Details) (USD $)

Dec. 31, 2013

Nov. 30, 2006

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Nov. 16, 2011

Nov. 17, 2010

Dec. 21, 2008

Nov. 21, 2006

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

MRP Stock Awards [Member]

MRP Stock Awards [Member]

MRP Stock Awards [Member]

MRP Stock Awards [Member]

MRP Stock Awards [Member]

MRP Stock Awards [Member]

MRP Stock Awards [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

RRP Stock Options [Member]

Nonvested [Member]

Approximate [Member]

Approximate [Member]

Approximate [Member]

Approximate [Member]

Note 11 - Stock Compensation (Details) [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)

'

43,608

0

0

'

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value (in Dollars per share)

'

$13.46

$4.79

$5.16

$5.35

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period

'

'5 years

'

'

'

'

'

'

'

'

'

'5 years

'

'

'

Unamortized Cost of Unvested Shares

'

'

$21,024

$33,977

'

'

'

'

'

'

'

'

'

'

'

Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized

'

'

21,000

'

'

'

'

'

'

'

'

25,500

'

'

'

Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition

'

'

'1 year 292 days

'

'

'

'

'

'

'

'

'1 year 292 days

'

'

'

Share-based Compensation

'

'

$12,953

$7,142

'

$13,000

$7,100

'

'

'

'

$14,451

$10,933

$14,000

$11,000

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number (in Shares)

4,539

'

4,539

6,719

8,899

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)

'

'

'

'

'

'

'

13,083

8,722

5,451

92,666

'

'

'

'

Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price (in Dollars per share)

'

'

'

'

'

'

'

$4.25

$6

$9.90

$12.35

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term

'

'

'

'

'

'

'

'

'

'

'

'10 years

'

'

'

Note_11_Stock_Compensation_Det1

Note 11 - Stock Compensation (Details) - MRP Stock Awards (MRP Stock Awards [Member], USD $)	1 Months Ended	12 Months Ended
	Nov. 30, 2006	Dec. 31, 2013	Dec. 31, 2012
MRP Stock Awards [Member]	'	'	'
Note 11 - Stock Compensation (Details) - MRP Stock Awards [Line Items]	'	'	'
Outstanding and non-vested at beginning of year	'	6,719	8,899
Outstanding and non-vested at beginning of year	'	$5.16	$5.35
Outstanding and non-vested at end of year	'	4,539	6,719
Outstanding and non-vested at end of year	$13.46	$4.79	$5.16
Granted	43,608	0	0
Granted	'	$0	$0
Vested and transferred to recipients	'	-2,180	-2,180
Vested and transferred to recipients	'	$5.94	$5.94

Note_11_Stock_Compensation_Det2

Note 11 - Stock Compensation (Details) - RRP Stock Options (RRP Stock Options [Member], USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
RRP Stock Options [Member]	'	'
Note 11 - Stock Compensation (Details) - RRP Stock Options [Line Items]	'	'
Outstanding at beginning of year shares	92,667	92,667
Outstanding at beginning of year weighted average exercise price	$10.46	$10.46
Outstanding at beginning of year weighted average remaining contractual term	'5 years 36 days	'6 years 36 days
Outstanding at end of year shares	92,667	92,667
Outstanding at end of year weighted average exercise price	$10.46	$10.46
Outstanding at end of year weighted average remaining contractual term	'4 years 36 days	'5 years 36 days
Exercisable at year end shares	81,326	75,875
Exercisable at year end weighted average exercise price	$11.26	$11.64
Exercisable at year end weighted average remaining contractual term	'3 years 222 days	'4 years 135 days

Note_11_Stock_Compensation_Det3

Note 11 - Stock Compensation (Details) - Vesting Status of the RRP Stock Options (RRP Stock Options [Member], USD $)	12 Months Ended
	Dec. 31, 2013
RRP Stock Options [Member]	'
Note 11 - Stock Compensation (Details) - Vesting Status of the RRP Stock Options [Line Items]	'
Non-vested shares	16,792
Non-vested weighted average exercise price	$5.16
Vested	-5,451
Vested	$5.94
Non-vested shares	11,341
Non-vested weighted average exercise price	$4.79

Note_12_Income_Taxes_Details

Note 12 - Income Taxes (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Note 12 - Income Taxes (Details) [Line Items]	'	'
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%	35.00%
Deferred Other Tax Expense (Benefit)	$1,169,000	'
Unrecognized Tax Benefits	453,000	'
Operating Loss Carryforwards	'	2,200,000
State and Local Jurisdiction [Member]	'	'
Note 12 - Income Taxes (Details) [Line Items]	'	'
Operating Loss Carryforwards	2,000,000	2,100,000
Internal Revenue Service (IRS) [Member]	'	'
Note 12 - Income Taxes (Details) [Line Items]	'	'
Operating Loss Carryforwards	'	$100,000

Note_12_Income_Taxes_Details_I

Note 12 - Income Taxes (Details) - Income Tax Expense (Benefit) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Federal:	'	'
Current	$363,770	($229,782)
Deferred	28,623	464,562
	392,393	234,780
State:	'	'
Current	138,944	73,510
Deferred	8,655	-38,088
	147,599	35,422
	$539,992	$270,202

Note_12_Income_Taxes_Details_A

Note 12 - Income Taxes (Details) - A Reconciliation of the Companybs Effective Tax Rate to the Statutory Federal Rate (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
A Reconciliation of the Companybs Effective Tax Rate to the Statutory Federal Rate [Abstract]	'	'
Expected income taxes	$514,192	$330,537
Income tax effect of:	'	'
State taxes, net of federal tax benefit	95,939	23,024
Tax exempt interest	-83,386	-63,766
Income taxed at lower rates	-14,691	-9,444
Other	27,938	-10,149
	$539,992	$270,202

Note_12_Income_Taxes_Details_C

Note 12 - Income Taxes (Details) - Components of the Net Deferred Tax Asset (USD $)	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets	'	'
Unrealized loss on securities available for sale	$2,310	'
Employee benefit plans	857,758	759,470
Allowance for loan losses	1,146,769	1,332,288
Net operating loss carryforwards	109,708	136,242
MRP/RRP compensation	183,885	186,562
Other	149,642	70,478
	2,450,072	2,485,040
Deferred tax liabilities	'	'
Unrealized gain on securities available for sale	'	-241,377
	'	-241,377
Net deferred tax asset	$2,450,072	$2,243,663

Note_13_Regulatory_Matters_Det

Note 13 - Regulatory Matters (Details) - Capital Amounts and Ratios (USD $)	Dec. 31, 2013	Dec. 31, 2012
Capital Amounts and Ratios [Abstract]	'	'
Total Risk-Based Capital - Amount	$20,287,994	$19,532,989
Total Risk-Based Capital - Ratio	20.79%	18.19%
Total Risk-Based Capital for capital adequacy purposes - Amount	7,806,616	8,590,954
Total Risk-Based Capital for capital adequacy purposes - Ratio	8.00%	8.00%
Total Risk-Based Capital to be well capitalized under prompt corrective action provisions - Amount	9,758,270	10,738,692
Total Risk-Based Capital to be well capitalized under prompt corrective action provisions - Ratio	10.00%	10.00%
Tier I Risk-Based Capital - Amount	19,047,336	18,165,479
Tier I Risk-Based Capital - Ratio	19.52%	16.92%
Tier I Risk-Based Capital for capital adequacy purposes - Amount	3,903,308	4,295,477
Tier I Risk-Based Capital for capital adequacy purposes - Ratio	4.00%	4.00%
Tier I Risk-Based Capital to be well capitalized under prompt corrective action provisions - Amount	5,854,962	6,443,215
Tier I Risk-Based Capital to be well capitalized under prompt corrective action provisions - Ratio	6.00%	6.00%
Tier I Leverage - Amount	19,047,336	18,165,479
Tier I Leverage - Ratio	11.32%	10.30%
Tier I Leverage for capital adequacy purposes - Amount	6,729,204	7,054,242
Tier I Leverage for capital adequacy purposes - Ratio	4.00%	4.00%
Tier I Leverage to be well capitalized under prompt corrective action provisions - Amount	8,411,505	8,817,802
Tier I Leverage to be well capitalized under prompt corrective action provisions - Ratio	5.00%	5.00%
Tangible Capital - Amount	19,047,336	18,165,479
Tangible Capital - Ratio	11.32%	10.30%
Tangible Capital for capital adequacy purposes - Amount	$2,523,452	$2,645,341
Tangible Capital for capital adequacy purposes - Ratio	1.50%	1.50%

Note_14_Commitments_and_Contin2

Note 14 - Commitments and Contingencies (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Commitments and Contingencies Disclosure [Abstract]	'	'
Unfunded Commitments	$16,549,460	$14,902,111

Note_14_Commitments_and_Contin3

Note 14 - Commitments and Contingencies (Details) - Financial Instruments with Off-Balance Sheet Risks (USD $)	Dec. 31, 2013	Dec. 31, 2012
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	$16,549,460	$14,902,111
Variable Rate [Member] | Commitments to Originate Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	100,000	'
Variable Rate [Member] | Unfunded Commitments on Construction Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	1,646,742	'
Variable Rate [Member] | Unfunded Commitments Under Lines of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	8,046,036	8,286,518
Variable Rate [Member] | Unfunded Commitments Before Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	9,792,778	8,286,518
Variable Rate [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	9,792,778	8,286,518
Fixed Rate [Member] | Commitments to Originate Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	6,707,271	6,559,402
Fixed Rate [Member] | Unfunded Commitments on Construction Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	49,411	56,191
Fixed Rate [Member] | Unfunded Commitments Before Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	6,756,682	6,615,593
Fixed Rate [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	6,756,682	6,615,593
Commitments to Originate Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	6,807,271	6,559,402
Unfunded Commitments on Construction Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	1,696,153	56,191
Range of rates on fixed rate commitments	'3.75%	'
Unfunded Commitments Under Lines of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	8,046,036	8,286,518
Unfunded Commitments Before Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Unfunded commitments	$16,549,460	$14,902,111
Minimum [Member] | Commitments to Originate Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Range of rates on fixed rate commitments	'2.82%	'4.25%
Minimum [Member] | Unfunded Commitments on Construction Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Range of rates on fixed rate commitments	'	'4.00%
Maximum [Member] | Commitments to Originate Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Range of rates on fixed rate commitments	'6.25%	'6.75%

Note_15_Fair_Value_Measurement2

Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis (USD $)	Dec. 31, 2013	Dec. 31, 2012
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	$34,547,080	$28,863,603
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (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 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	8,444,519	7,120,522
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (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 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	8,444,519	7,120,522
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (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 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	26,102,561	21,743,081
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	0	0
Residential Mortgage Backed Securities [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	26,102,561	21,743,081
Fair Value, Inputs, Level 1 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (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 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	34,547,080	28,863,603
Fair Value, Inputs, Level 3 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Securities available for sale	$0	$0

Note_15_Fair_Value_Measurement3

Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Non-Recurring Basis (USD $)	Dec. 31, 2013	Dec. 31, 2012
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	$584,786	$1,297,214
Impaired loans, net	5,787,847	5,618,118
Fair Value, Inputs, Level 3 [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	597,493	1,305,921
Impaired loans, net	702,760	3,597,690
Estimate of Fair Value Measurement [Member]	'	'
Note 15 - Fair Value Measurements and Disclosures (Details) - Assets Measured at Fair Value on a Non-Recurring Basis [Line Items]	'	'
Foreclosed assets	597,493	1,305,921
Impaired loans, net	$702,760	$3,597,690

Note_16_Fair_Values_of_Financi2

Note 16 - Fair Values of Financial Instruments (Details) - Estimated Fair Values of the Bankbs Financial Instruments (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Financial Assets:	'	'	'
Cash and cash equivalents	$6,605,840	$10,787,989	$2,945,465
Cash and cash equivalents	6,605,840	10,787,989	'
Federal funds sold	3,630,000	1,666,000	'
Federal funds sold	3,630,000	1,666,000	'
Securities	35,780,616	30,198,051	'
Securities	35,780,616	30,198,052	'
Accrued interest receivable	652,693	696,638	'
Net loans	110,672,618	121,994,851	'
Net loans	112,991,000	123,748,000	'
Loans held for sale	'	171,095	'
Loans held for sale	'	171,095	'
Mortgage servicing rights	158,030	152,873	'
Mortgage servicing rights	158,030	152,873	'
Financial Liabilities:	'	'	'
Deposits	145,768,651	155,074,645	'
Accrued interest payable	582	806	'
Non-Interest Bearing [Member] | Fair Value, Inputs, Level 1 [Member]	'	'	'
Financial Liabilities:	'	'	'
Deposits	5,219,028	4,313,635	'
Non-Interest Bearing [Member]	'	'	'
Financial Liabilities:	'	'	'
Deposits	5,219,028	4,313,635	'
Deposits	5,219,028	4,313,635	'
Interest-bearing Deposits [Member] | Fair Value, Inputs, Level 3 [Member]	'	'	'
Financial Liabilities:	'	'	'
Deposits	139,327,972	150,921,365	'
Interest-bearing Deposits [Member]	'	'	'
Financial Liabilities:	'	'	'
Deposits	140,549,623	150,761,010	'
Deposits	139,327,972	150,921,365	'
Fair Value, Inputs, Level 1 [Member]	'	'	'
Financial Assets:	'	'	'
Cash and cash equivalents	6,605,840	10,787,989	'
Federal funds sold	3,630,000	1,666,000	'
Accrued interest receivable	652,693	696,638	'
Loans held for sale	'	171,095	'
Financial Liabilities:	'	'	'
Accrued interest payable	582	806	'
Fair Value, Inputs, Level 2 [Member]	'	'	'
Financial Assets:	'	'	'
Securities	35,780,616	30,198,052	'
Fair Value, Inputs, Level 3 [Member]	'	'	'
Financial Assets:	'	'	'
Net loans	112,991,000	123,748,000	'
Mortgage servicing rights	$158,030	$152,873	'

Note_17_Condensed_Parent_Only_2

Note 17 - Condensed Parent Only Financial Statements (Details) - Condensed Parent Only Financial Statements (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assets:	'	'	'
Interest bearing deposits	$4,430,861	$9,348,352	'
Total assets	170,610,322	179,046,161	'
Redeemable common stock in ESOP plan	319,090	237,712	'
Stockholders' Equity	21,486,292	21,046,378	20,412,657
Total liabilities and stockholders' equity	170,610,322	179,046,161	'
Statements of operations	'	'	'
Income before income tax benefit	1,469,120	944,392	'
Income tax (benefit)	539,992	270,202	'
Net income	929,128	674,190	'
Adjustments to reconcile net income to net cash used in operating activities:	'	'	'
Increase (decrease) in other assets	230,109	27,450	'
(Decrease) increase in other liabilities	348,863	208,146	'
Net cash used in operating activities	3,781,542	4,529,964	'
Investing activities:	'	'	'
Net cash provided by investing activities	1,342,303	8,186,365	'
Financing activities:	'	'	'
Net increase in cash and cash equivalents	-4,182,149	7,842,524	'
Cash and cash equivalents:	'	'	'
Cash and cash equivalents	6,605,840	10,787,989	2,945,465
Parent Company [Member]	'	'	'
Assets:	'	'	'
Interest bearing deposits	311,633	296,497	'
Equity in net assets of Ottawa Savings Bank	21,115,926	20,559,103	'
ESOP note receivable	377,823	428,490	'
Total assets	21,805,382	21,284,090	'
Redeemable common stock in ESOP plan	319,090	237,712	'
Stockholders' Equity	21,486,292	21,046,378	'
Total liabilities and stockholders' equity	21,805,382	21,284,090	'
Statements of operations	'	'	'
Equity in net income of subsidiary	964,658	701,258	'
Interest income	26,781	29,865	'
Operating income	991,439	731,123	'
Other expenses	62,311	70,964	'
Income before income tax benefit	929,128	660,159	'
Income tax (benefit)	'	-14,031	'
Net income	929,128	674,190	'
Adjustments to reconcile net income to net cash used in operating activities:	'	'	'
Increase (decrease) in other assets	'	2,113	'
(Decrease) increase in other liabilities	'	-3,751	'
Undistributed net income of subsidiary	-964,658	-701,258	'
Net cash used in operating activities	-35,530	-28,706	'
Investing activities:	'	'	'
Payments received on ESOP note receivable	50,666	47,610	'
Net cash provided by investing activities	50,666	47,610	'
Financing activities:	'	'	'
Net increase in cash and cash equivalents	15,136	18,904	'
Supplemental Schedule of Noncash Investing and Financing Activities	'	'	'
Increase in ESOP put option liability	81,378	127,894	'
Parent Company [Member] | Beginning of Period [Member]	'	'	'
Cash and cash equivalents:	'	'	'
Cash and cash equivalents	296,497	277,593	'
Parent Company [Member] | End of Period [Member]	'	'	'
Cash and cash equivalents:	'	'	'
Cash and cash equivalents	$311,633	$296,497	'