Magyar Bancorp (MGYR) 10-K 20 Dec 13 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Sep. 30, 2013	Dec. 15, 2013	Mar. 31, 2013
Entity Registrant Name	'Magyar Bancorp, Inc.	'	'
Entity Central Index Key	'0001337068	'	'
Document Type	'10-K	'	'
Document Period End Date	30-Sep-13	'	'
Amendment Flag	'false	'	'
Current Fiscal Year End Date	'--09-30	'	'
Is Entity a Well-known Seasoned Issuer?	'No	'	'
Is Entity a Voluntary Filer?	'No	'	'
Is Entity's Reporting Status Current?	'Yes	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Public Float	'	'	$13,400,000
Entity Common Stock, Shares Outstanding	'	5,811,394	'
Document Fiscal Period Focus	'FY	'	'
Document Fiscal Year Focus	'2013	'	'
Magyar Bank, MHC	'	'	'
Entity Common Stock, Shares Owned by Registrant's mutual holding company	'	3,200,450	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash	$1,129	$930
Interest earning deposits with banks	16,663	9,114
Total cash and cash equivalents	17,792	10,044
Investment securities - available for sale, at fair value	15,774	16,786
Investment securities - held to maturity, at amortized cost (fair value of $51,802 and $42,130 at September 30, 2013 and 2012, respectively)	52,558	41,068
Federal Home Loan Bank of New York stock, at cost	1,982	2,385
Loans receivable, net of allowance for loan losses of $3,013 and $3,858 at September 30, 2013 and 2012, respectively	396,800	385,270
Bank owned life insurance	10,342	10,010
Accrued interest receivable	1,752	1,894
Premises and equipment, net	20,880	21,541
Other real estate owned ("OREO")	14,756	13,381
Other assets	5,092	6,467
Total assets	537,728	508,846
Liabilities	'	'
Deposits	453,328	416,518
Escrowed funds	1,018	769
Federal Home Loan Bank of New York advances	27,100	36,503
Securities sold under agreements to repurchase	5,000	5,000
Accrued interest payable	141	196
Accounts payable and other liabilities	5,821	4,855
Total liabilities	492,408	463,841
Stockholders' equity	'	'
Preferred stock: $.01 Par Value, 1,000,000 shares authorized; none issued	'	'
Common stock: $.01 Par Value, 8,000,000 shares authorized; 5,923,742 issued; 5,811,394 and 5,807,344 shares outstanding at September 30, 2013 and 2012, respectively	59	59
Additional paid-in capital	26,322	26,367
Treasury stock: 112,348 and 116,398 shares at September 30, 2013 and 2012, respectively, at cost	-1,256	-1,301
Unearned Employee Stock Ownership Plan shares	-1,002	-1,116
Retained earnings	21,835	21,600
Accumulated other comprehensive loss	-638	-604
Total stockholders' equity	45,320	45,005
Total liabilities and stockholders' equity	$537,728	$508,846

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, except Share data, unless otherwise specified
Statement of Financial Position [Abstract]	'	'
Fair value of investment securities - held to maturity	$51,802	$42,130
Allowance for loan losses	$3,013	$3,858
Preferred stock; par value	$0.01	$0.01
Preferred stock; shares authorized	1,000,000	1,000,000
Preferred stock; shares issued	'	'
Common stock; par value	$0.01	$0.01
Common stock; shares authorized	8,000,000	8,000,000
Common stock; shares issued	5,923,742	5,923,742
Common stock, shares outstanding	5,811,394	5,807,344
Treasury stock, shares	112,348	116,398

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income	'	'
Loans, including fees	$17,988	$18,730
Investment securities	'	'
Taxable	1,580	1,968
Tax-exempt	1	3
Federal Home Loan Bank of New York stock	105	104
Total interest and dividend income	19,674	20,805
Interest expense	'	'
Deposits	3,051	3,940
Borrowings	1,301	1,869
Total interest expense	4,352	5,809
Net interest and dividend income	15,322	14,996
Provision for loan losses	2,111	1,461
Net interest and dividend income after provision for loan losses	13,211	13,535
Other income	'	'
Service charges	881	997
Income on bank owned life insurance	332	350
Other operating income	110	67
Gains on sales of loans	406	466
Gains on sales of investment securities	121	286
Total other income	1,850	2,166
Other expenses	'	'
Compensation and employee benefits	7,423	7,319
Occupancy expenses	2,805	2,874
Professional fees	881	978
Data processing expenses	576	553
OREO expenses	629	810
FDIC deposit insurance premiums	702	706
Loan servicing expenses	309	342
Insurance expense	228	238
Other expenses	1,225	1,250
Total other expenses	14,778	15,070
Income before income tax expense	283	630
Income tax expense	21	121
Net income	$262	$509
Net income per share-basic and diluted	$0.05	$0.09

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Statement of Comprehensive Income [Abstract]	'		'
Net income	$262		$509
Other comprehensive loss:	'		'
Net unrealized (loss) gain on securities available for sale	-544		276
Realized gains on sales of securities available for sale	-121	[1],[2]	-286	[1],[2]
Defined benefit pension plan	697		-222
Unrealized loss on derivatives	-54		-87
Other comprehensive loss, before tax	-22		-319
Deferred income (benefit) tax effect	-12		122
Total other comprehensive loss	-34		-197
Total comprehensive income	$228		$312
[1]	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Stockholders' Equity (USD $)	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Retained Earnings	Accumulated Other Comprehensive Loss	Total
In Thousands, except Share data
Balance, at Sep. 30, 2011	$59	$26,496	($1,480)	($1,228)	$21,069	($407)	$44,509
Balance, shares at Sep. 30, 2011	5,801,631	'	'	'	'	'	'
Net income	'	'	'	'	509	'	509
Other comprehensive loss	'	'	'	'	'	-197	-197
Purchase of treasury stock	'	'	-45	'	'	'	-45
Purchase of treasury stock, shares	-14,030	'	'	'	'	'	'
Treasury stock used for restricted stock plan	'	-246	224	'	22	'	'
Treasury stock used for restricted stock plan, shares	19,743	'	'	'	'	'	'
ESOP shares allocated	'	-64	'	112	'	'	48
Stock-based compensation expense	'	181	'	'	'	'	181
Balance, at Sep. 30, 2012	59	26,367	-1,301	-1,116	21,600	-604	45,005
Balance, shares at Sep. 30, 2012	5,807,344	'	'	'	'	'	'
Net income	'	'	'	'	262	'	262
Other comprehensive loss	'	'	'	'	'	-34	-34
Treasury stock used for restricted stock plan	'	-18	45	'	-27	'	'
Treasury stock used for restricted stock plan, shares	4,050	'	'	'	'	'	'
ESOP shares allocated	'	-45	'	114	'	'	69
Stock-based compensation expense	'	18	'	'	'	'	18
Balance, at Sep. 30, 2013	$59	$26,322	($1,256)	($1,002)	$21,835	($638)	$45,320
Balance, shares at Sep. 30, 2013	5,811,394	'	'	'	'	'	'

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Operating activities	'	'
Net income	$262	$509
Adjustment to reconcile net income to net cash provided by operating activities	'	'
Depreciation expense	927	935
Premium amortization on investment securities, net	231	228
Provision for loan losses	2,111	1,461
Provision for loss on other real estate owned	42	148
Proceeds from the sales of loans	4,957	9,209
Gains on sale of loans	-406	-466
Gains on sales of investment securities	-121	-286
Losses on the sales of other real estate owned	78	22
ESOP compensation expense	69	48
Stock-based compensation expense	18	181
Deferred income tax expense	83	101
Decrease in accrued interest receivable	142	27
Increase in surrender value bank owned life insurance	-332	-350
Decrease (increase) in other assets	1,239	-145
Decrease in accrued interest payable	-55	-104
Increase in accounts payable and other liabilities	1,663	1,307
Net cash provided by operating activities	10,908	12,825
Investing activities	'	'
Net increase in loans receivable	-22,448	-20,037
Purchases of investment securities held to maturity	-23,777	-17,210
Purchases of investment securities available for sale	-7,075	-10,156
Sales of investment securities available for sale	4,307	14,164
Principal repayments on investment securities held to maturity	12,140	21,021
Principal repayments on investment securities available for sale	3,152	4,687
Purchases of premises and equipment	-266	-314
Investment in other real estate owned	-291	-1,176
Proceeds from the sale of other real estate owned	3,039	8,449
Redemption (purchase) of Federal Home Loan Bank stock	403	-86
Net cash used by investing activities	-30,816	-658
Financing activities	'	'
Net increase (decrease) in deposits	36,810	-8,425
Net increase (decrease) in escrowed funds	249	-274
Proceeds from long-term advances	4,692	3,000
Repayments of long-term advances	-12,695	-2,813
Net change in short-term advances	-1,400	1,400
Repayments of securities sold under agreements to repurchase	'	-10,000
Purchase of treasury stock	'	-45
Net cash provided (used) by financing activities	27,656	-17,157
Net increase (decrease) in cash and cash equivalents	7,748	-4,990
Cash and cash equivalents, beginning of period	10,044	15,034
Cash and cash equivalents, end of period	17,792	10,044
Cash paid for	'	'
Interest	4,407	5,914
Income taxes	54	8
Non-cash investing activities	'	'
Real estate acquired in full satisfaction of loans in foreclosure	4,256	5,817
OREO transferred to premises and equipment	'	$1,588

ORGANIZATION

ORGANIZATION	12 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
ORGANIZATION	'
	NOTE A - ORGANIZATION
	On January 23, 2006, Magyar Bank (the Bank) completed a reorganization involving a series of transactions by which our corporate structure was changed from a mutual savings bank to the mutual holding company form of ownership. Magyar Bank became a New Jersey-chartered stock savings bank subsidiary of Magyar Bancorp, Inc., a Delaware-chartered mid-tier stock holding company. Magyar Bancorp, Inc. (the “Company”) owns 100% of the outstanding shares of common stock of Magyar Bank. Magyar Bancorp, Inc. is a majority-owned subsidiary of Magyar Bancorp, MHC, a New Jersey-chartered mutual holding company.
	Magyar Bancorp, MHC, owns 54.0%, or 3,200,450, of the issued shares of common stock of Magyar Bancorp, Inc. Of the remaining shares, 2,610,944, or 44.1%, are held by public stockholders and 112,348, or 1.9%, are held by Magyar Bancorp, Inc. in treasury stock. So long as Magyar Bancorp, MHC exists, it will be required to own a majority of the voting stock of Magyar Bancorp, Inc. Magyar Bancorp, MHC is subject to comprehensive regulation and examination by the Board of Governors of the Federal Reserve System and the New Jersey Department of Banking and Insurance.
	Magyar Bank (the “Bank”) is subject to regulations issued by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Bank’s administrative offices are located in New Brunswick, New Jersey. The Bank has six branch offices which are located in New Brunswick, North Brunswick, South Brunswick, Branchburg, Bridgewater, and Edison, New Jersey. The Bank’s savings deposits are insured by the FDIC through the Deposit Insurance Fund (DIF); also, the Bank is a member of the Federal Home Loan Bank of New York.
	MagBank Investment Company, a New Jersey investment corporation subsidiary of Magyar Bank, was formed on August 15, 2006 for the purpose of buying, selling and holding investment securities.
	Hungaria Urban Renewal, LLC is a Delaware limited-liability corporation established in 2002 as a qualified intermediary operating for the purpose of acquiring and developing Magyar Bank’s new main office. The Bank owns a 100% interest in Hungaria Urban Renewal, LLC, which has no other business other than owning the Bank’s main office site.
	Magyar Service Corporation, a New Jersey corporation, is a wholly owned, non-bank subsidiary of Magyar Bank. Magyar Service Corporation, which also operates under the name Magyar Financial Services, receives commissions from annuity and life insurance sales referred to a licensed, non-bank financial planner.
	The Bank competes with other banking and financial institutions in its primary market areas. Commercial banks, savings banks, savings and loan associations, credit unions and money market funds actively compete for savings and time certificates of deposit and all types of loans. Such institutions, as well as consumer financial and insurance companies, may be considered competitors of the Bank with respect to one or more of the services it renders.
	The Bank is subject to regulations of certain state and federal agencies and, accordingly, the Bank is periodically examined by such regulatory authorities. As a consequence of the regulation of commercial banking activities, the Bank’s business is particularly susceptible to future state and federal legislation and regulations.

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE B - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	1. Basis of Financial Statement Presentation
	The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (US GAAP) and predominant practices within the banking industry. The financial statements include the accounts of the Company and its wholly owned subsidiary, the Bank, and its wholly-owned subsidiaries MagBank Investment Company, Magyar Service Corporation, and Hungaria Urban Renewal, LLC. All intercompany balances and transactions have been eliminated in the financial statements.
	The Company has evaluated subsequent events and transactions occurring subsequent to the consolidated balance sheet date of September 30, 2013, for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued.
	In preparing financial statements in conformity with US GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the 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.
	The principal estimates that are particularly susceptible to significant change in the near term relate to the allowance for loan losses and the deferred tax asset. The evaluation of the adequacy of the allowance for loan losses includes an analysis of the individual loans and overall risk characteristics and size of the different loan portfolios, and takes into consideration current economic and market conditions, the capability of specific borrowers to pay specific loan obligations, as well as current loan collateral values. However, actual losses on specific loans, which also are encompassed in the analysis, may vary from estimated losses.
	The Company records income taxes using the asset and liability method. Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled.
	Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period of enactment. The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.
	2. Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, time deposits with original maturities less than three months and overnight deposits.
	3. Investment Securities
	The Company classifies its investment securities into one of three portfolios: held to maturity, available for sale or trading. Investments in debt securities that we have the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost. Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings. Debt and equity securities not classified as trading securities or as held to maturity securities are classified as available for sale securities and reported at fair value, with unrealized holding gains or losses, net of deferred income taxes, reported in the accumulated other comprehensive income (“AOCI”) component of stockholders’ equity.
	If the fair value of a security is less than its amortized cost, the security is deemed to be impaired. Management evaluates all securities with unrealized losses quarterly to determine if such impairments are “temporary” or “other-than-temporary” in accordance with applicable accounting guidance. The Company accounts for temporary impairments based upon security classification as either available for sale, held to maturity or trading. Temporary impairments on “available for sale” securities are recognized, on a tax-effected basis, through AOCI with offsetting entries adjusting the carrying value of the security and the balance of deferred taxes. Conversely, the Company does not adjust the carrying value of “held to maturity” securities for temporary impairments, although information concerning the amount and duration of impairments on held to maturity securities is generally disclosed in periodic financial statements. The carrying value of securities held in a trading portfolio is adjusted to their fair value through earnings on a daily basis. However, the Company maintained no securities in trading portfolios at or during the periods presented in these financial statements.
	The Company accounts for other-than-temporary impairments based upon several considerations. First, other-than-temporary impairments on securities that the Company has decided to sell as of the close of a fiscal period, or will, more likely than not, be required to sell prior to the full recovery of the their fair value to a level equal to or exceeding their amortized cost, are recognized in operations. If neither of these criteria apply, then the other-than-temporary impairment is separated into credit-related and noncredit-related components. The credit-related impairment generally represents the amount by which the present value of the cash flows that are expected to be collected on an other-than-temporarily impaired security fall below its amortized cost while the noncredit-related component represents the remaining portion of the impairment not otherwise designated as credit-related. The Company recognizes credit-related, other-than-temporary impairments in earnings, while noncredit-related, other-than-temporary impairments on debt securities are recognized, net of deferred taxes, in AOCI.
	Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to purchase and hold restricted stock of its district FHLB according to a predetermined formula. This stock is restricted in that it may only be sold to the FHLB and all sales must be at par. Accordingly, the FHLB restricted stock is carried at cost, less any applicable impairment charges.
	Premiums and discounts on all securities are amortized or accreted to maturity by use of the level-yield method considering the impact of principal amortization and prepayments on mortgage-backed securities. Gain or loss on sales of securities is recognized on the specific identification method.
	4. Loans and Allowance for Loan Losses
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at the amount of unpaid principal, adjusted for net deferred loan fees and costs, and reduced by an allowance for loan losses. Interest on loans is accrued and credited to operations based upon the principal amounts outstanding. The allowance for loan losses is established through a provision for possible loan losses charged to operations. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely.
	Income recognition of interest is discontinued when, in the opinion of management, the collectability of such interest becomes doubtful. A loan is generally classified as non-accrual when the scheduled payment(s) due on the loan is delinquent for more than three months. Loan origination fees and certain direct origination costs are deferred and amortized over the life of the related loans as an adjustment to the yield on loans receivable using the effective interest method.
	Management uses a ten point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than three months past due are considered Substandard. Any portion of a loan that has been charged off is placed in the Loss category.
	To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight.  Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as severe delinquency, bankruptcy, repossession, or death occurs to raise awareness of a possible credit event. The Bank’s Commercial Loan Officers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. The Asset Review Committee performs monthly reviews of all commercial relationships internally rated 6 (“Watch”) or worse.  Confirmation of the appropriate risk grade is performed by an external loan review company that semi-annually reviews and assesses loans within the portfolio.  Generally, the external consultant reviews commercial relationships greater than $500,000 and/or criticized relationships greater than $250,000. Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a monthly basis.
	The allowance for loan losses is maintained at an amount management deems adequate to cover estimated losses. In determining the level to be maintained, management evaluates many factors, including current economic trends, industry experience, historical loss experience, industry loan concentrations, the borrowers’ ability to repay and repayment performance, and estimated collateral values. In the opinion of management, the present allowance is adequate to absorb reasonable, foreseeable loan losses. While management uses the best information available to make such evaluations, future adjustments to the allowance may be necessary based on changes in economic conditions or any of the other factors used in management’s determination. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for losses on loans. Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. Charge-offs to the allowance are made when the loan is transferred to other real estate owned or other determination of a confirmed loss. Recoveries on loans previously charged off are also recorded through the allowance.
	A loan is considered impaired when, based upon current information and events, it is probable that a creditor will be unable to collect all amounts due including principal and interest, according to the contractual terms of the loan agreement. The Company measures impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or as a practical expedient, at the loan’s current observable market price, or the fair value of the collateral if the loan is collateral dependent. The amount by which the recorded investment of an impaired loan exceeds the measurement value is recognized by creating a valuation allowance through a charge to the provision for loan losses. Impairment criteria generally do not apply to those smaller-balance homogeneous loans that are collectively evaluated for impairment which for the Company includes one- to four-family first mortgage loans and consumer loans, other than those modified in a troubled debt restructuring.
	The Company records cash receipts on impaired loans that are non-performing as a reduction to principal before applying amounts to interest or late charges unless specifically directed by the Bankruptcy Court to apply payments otherwise. The Company continues to recognize interest income on impaired loans where there is no confirmed loss.
	5. Premises and Equipment
	Premises and equipment are carried at cost less accumulated depreciation, and include capitalized expenditures for new facilities, major betterments and renewals. Expenditures for maintenance and repairs are charged to expense as incurred. Depreciation is computed using the straight-line method based upon the estimated useful lives of the related assets for financial reporting purposes and using the mandated methods by asset type for income tax purposes. Leasehold improvements are depreciated using the straight-line method based upon the initial term of the lease.
	The Company accounts for the impairment of long-lived assets in accordance with US GAAP, which requires recognition and measurement for the impairment of long-lived assets to be held and used or to be disposed of by sale. The Company had no impaired long-lived assets at September 30, 2013 and 2012
	6. Derivative Contracts
	Derivative contracts are carried at fair value with unrealized gains and losses excluded from earnings and reported in a separate component of stockholders’ equity, net of related income tax effects. Gains and losses on derivative contracts are recognized upon realization utilizing the specific identification method.
	As required by US GAAP, the Company recognizes all derivatives as either assets or liabilities in the statement of financial condition and measures those instruments at fair value.
	7. Other Real Estate Owned
	Real estate acquired through foreclosure, or a deed-in-lieu of foreclosure, is recorded at fair value less estimated selling costs at the date of acquisition or transfer, and subsequently at the lower of its new cost or fair value less estimated selling costs. Adjustments to the carrying value at the date of acquisition or transfer are charged to the allowance for loan losses. The carrying value of the individual properties is subsequently adjusted to the extent it exceeds estimated fair value less estimated selling costs, at which time a provision for losses on such real estate is charged to operations.
	Operating expenses of holding real estate, net of related income, are charged against income as incurred. Gains on sales of real estate are recognized, normally at closing, when down payment and certain other requirements are met; otherwise such gains are deferred and recognized on the installment method of accounting. Losses on the disposition of real estate, including expenses incurred in connection with the disposition, are charged to operations.
	8. Income Taxes
	The Company and its subsidiaries file consolidated federal and individual state income tax returns. Income taxes are allocated based on the contribution of their respective income or loss to the consolidated income tax return.
	The Company records income taxes on the basis of reported income using the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. To the extent that current available evidence about the future raises doubt about the realization of a deferred tax asset, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.
	The Company follows the provisions of FASB ASC Topic 740, which provides clarification on accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. The guidance prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return, and also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. At September 30, 2013 and 2012, no significant income tax uncertainties have been included in the Company’s Consolidated Balance Sheets. The Company’s policy is to recognize interest and penalties on unrecognized tax benefits in income tax expense in the Consolidated Statements of Operations. No interest and penalties were recorded during the years ended September 30, 2013 and 2012. The tax years subject to examination by the taxing authorities are the years ended September 30, 2008 and forward.
	9. Advertising Costs
	The Company expenses advertising costs as incurred.
	10. Earnings Per Share
	Basic income per share is calculated by dividing income available to common stockholders by the weighted average number of shares of common stock outstanding for the period. The weighted average common shares outstanding include shares held by the Magyar Bancorp, MHC and shares allocated to the Employee Stock Ownership Plan.
	Diluted income per share is calculated by adjusting the weighted average common shares outstanding to reflect the potential dilution that could occur using the treasury stock method if securities or other contracts to issue common stock, such as stock options and unvested restricted stock, were exercised and converted into common stock. The resulting shares issued would share in the earnings of the Company. Shares issued and shares reacquired during the period are weighted for the portion of the period that they were outstanding. In periods of loss, dilution is not calculated and diluted loss per share is equal to basic loss per share.
	The following tables illustrate the reconciliation of the numerators and denominators of the basic and diluted earnings per share (EPS) calculations. All options were anti-dilutive at September 30, 2012.
			For the Years Ended September 30,
			2013									2012
						Weighted			Per						Weighted			Per
						average			share						average			share
			Income			shares			Amount			Income			shares			Amount
			(In thousands, except share and per share data)
	Basic EPS
	Net income available to common shareholders		$	262			5,810,910		$	0.05		$	509			5,810,294		$	0.09
	Effect of dilutive securities
	Options and grants			—			863			—			—			—			—
	Diluted EPS
	Net income available to common shareholders plus assumed conversion		$	262			5,811,773		$	0.05		$	509			5,810,294		$	0.09
		11	Comprehensive Income and Accumulated Other Comprehensive Income
	Comprehensive income includes net income as well as certain other items which result in a change to equity during the period.
	The other items allocated to comprehensive income, as well as the related income tax effects, for the years ended September 30, 2013 and 2012 were as follows:
			September 30,
			2013									2012
						Tax			Net of						Tax			Net of
			Before Tax			(Benefit)			Tax			Before Tax			(Benefit)			Tax
			Amount			Expense			Amount			Amount			Expense			Amount
		(Dollars in thousands)
Unrealized holding gains (losses) arising
during period on:
Available-for-sale investments		$	(544	)	$	197		$	(347	)	$	276		$	(116	)	$	160
Less reclassification adjustment for net gains
realized on available-for-sale investments (a) (b)			(121	)		48			(73	)		(286	)		114			(172	)
Defined benefit pension plan			697			(278	)		419			(222	)		89			(133	)
Interest rate derivatives			(54	)		21			(33	)		(87	)		35			(52	)
Other comprehensive gain (loss), net		$	(22	)	$	(12	)	$	(34	)	$	(319	)	$	122		$	(197	)
(a)	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying  Consolidated Statements of Operations
(b)	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations
The components of accumulated other comprehensive loss at September 30, 2013 and 2012 were as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
Available-for-sale investments		$	(114	)	$	306
Defined benefit pension plan			(524	)		(943	)
Interest rate derivatives			—			33
Total accumulated other comprehensive loss		$	(638	)	$	(604	)
	12	Bank-Owned Life Insurance
The Company has purchased Bank-Owned Life Insurance policies (“BOLI”). BOLI involves the purchasing of life insurance by the Company on directors and executive officers. The proceeds are used to help defray the costs of non-qualified compensation plans. The Company is the owner and beneficiary of the policies. BOLI is recorded on the consolidated Balance Sheet at its cash surrender value and changes in the cash surrender value are recorded in non-interest income.
	13	Segment Reporting
The Company acts as an independent, community, financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services.
Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial and retail operations of the Company. As such, discrete financial information is not available and segment reporting would not be meaningful.
	14	New Accounting Pronouncements
In connection with the preparation of quarterly and annual reports in accordance with the Securities and Exchange Commission’s (SEC) Securities Exchange Act of 1934, SEC Staff Accounting Bulletin Topic 11.M requires the disclosure of the impact that recently issued accounting standards will have on financial statements when they are adopted in the future.
The FASB issued ASU 2011-04, Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs, to amend FASB ASC Topic 820, Fair Value Measurements, to bring U.S. GAAP for fair value measurements in line with International Accounting Standards. The ASU clarifies existing guidance for items such as: the application of the highest and best use concept to non-financial assets and liabilities; the application of fair value measurement to financial instruments classified in a reporting entity’s stockholder’s equity; and disclosure requirements regarding quantitative information about unobservable inputs used in the fair value measurements of level 3 assets. The ASU also creates an exception to Topic 820 for entities which carry financial instruments within a portfolio or group, under which the entity is now permitted to base the price used for fair valuation upon a price that would be received to sell the net asset position or transfer a net liability position in an orderly transaction. The ASU also allows for the application of premiums and discounts in a fair value measurement if the financial instrument is categorized in level 2 or 3 of the fair value hierarchy. Lastly, the ASU contains new disclosure requirements regarding fair value amounts categorized as level 3 in the fair value hierarchy such as: disclosure of the valuation process used; effects of and relationships between unobservable inputs; usage of nonfinancial assets for purposes other than their highest and best use when that is the basis of the disclosed fair value; and categorization by level of items disclosed at fair value, but not measured at fair value for financial statement purposes. This ASU was effective for interim and annual periods beginning after December 15, 2011. The updates to Topic 820 did not have a material impact on the Company’s consolidated financial statements.
In February 2013, the FASB issued ASU No. 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income,” to improve the transparency of reporting these reclassifications. ASU No. 2013-02 does not amend any existing requirements for reporting net income or other comprehensive income in the financial statements. ASU No. 2013-02 requires an entity to disaggregate the total change of each component of other comprehensive income and separately present reclassification adjustments and current period other comprehensive income. The provisions of ASU No. 2013-02 also require that entities present in a single note or parenthetically on the face of the financial statements, the effect of significant amounts reclassified from each component of accumulated other comprehensive income based on its source and the income statement line item affected by the reclassification. If a component is not required to be reclassified to net income in its entirety, entities would instead cross-reference to the related note to the financial statements for additional information. The Company adopted the provisions of ASU No. 2013-02 effective January 1, 2013. As the Company provided these required disclosures in the notes to the Consolidated Financial Statements, the adoption of ASU No. 2013-02 had no impact on the Company’s consolidated statements of income and condition. See Note B. 11 to the Consolidated Financial Statements for the disclosures required by ASU No. 2013-02.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Sep. 30, 2013
Stock-Based Compensation	'
STOCK-BASED COMPENSATION	'
	NOTE C – STOCK-BASED COMPENSATION
	The Company follows FASB Accounting Standards Codification (“ASC”) Section 718, Compensation-Stock Compensation, which covers a wide range of share-based compensation arrangements including share options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans. ASC 718 requires that compensation cost relating to share-based payment transactions be recognized in financial statements. The cost is measured based on the fair value of the equity or liability instruments issued.
	ASC 718 also requires the Company to realize as a financing cash flow rather than an operating cash flow, as previously required, the benefits of realized tax deductions in excess of previously recognized tax benefits on compensation expense. In accordance with SEC Staff Accounting Bulletin (“SAB”) No. 107, the Company classified share-based compensation for employees and outside directors within “compensation and employee benefits” in the consolidated statement of operations to correspond with the same line item as the cash compensation paid.
	Stock options generally vest over a five-year service period and expire ten years from issuance. Management recognizes compensation expense for all option grants over the awards’ respective requisite service periods. The fair values of all option grants were estimated using the Black-Scholes option-pricing model. Since there was limited historical information on the volatility of the Company’s stock, management also considered the average volatilities of similar entities for an appropriate period in determining the assumed volatility rate used in the estimation of fair value. Management estimated the expected life of the options using the simplified method allowed under SAB No. 107. The 7-year Treasury yield in effect at the time of the grant provided the risk-free rate for periods within the contractual life of the option. Management recognizes compensation expense for the fair values of these awards, which have graded vesting, on a straight-line basis over the requisite service period of the awards. Once vested, these awards are irrevocable. Shares will be obtained from either the open market or treasury stock upon share option exercise.
	Restricted shares generally vest over a five-year service period on the anniversary of the grant date. Once vested, these awards are irrevocable. The product of the number of shares granted and the grant date market price of the Company’s common stock determine the fair value of restricted shares under the Company’s restricted stock plans. Management recognizes compensation expense for the fair value of restricted shares on a straight-line basis over the requisite service period.
	The following is a summary of the status of the Company’s stock option activity and related information for its option plan for the two-year period ended September 30, 2013:
							Weighted
					Weighted		Average		Aggregate
		Number of			Average		Remaining		Intrinsic
		Stock Options			Exercise Price		Contractual Life		Value
	Balance at September 30, 2011		188,276		$	14.61		5.4 years	$	—
	Granted		—			—
	Exercised		—			—
	Forfeited		—		$	—
	Balance at September 30, 2012		188,276		$	14.61		4.4 years	$	—
	Granted		—			—
	Exercised		—			—
	Forfeited		—			—
	Balance at September 30, 2013		188,276		$	14.61		3.4 years	$	—
	Exercisable at September 30, 2013		188,276		$	14.61		3.4 years	$	—
	No stock options were granted or exercised during the years ended September 30, 2013 and 2012.
	The following is a summary of the status of the Company’s non-vested restricted shares as of September 30, 2013 and 2012, and changes during those years:
					Weighted
					Average
		Number of			Grant Date
		Stock Awards			Fair Value
	Balance at September 30, 2011		33,145		$	9.22
	Granted		—			—
	Vested		(19,743	)		12.48
	Forfeited		—			—
	Balance at September 30, 2012		13,402			4.43
	Granted		—			—
	Vested		(4,050	)		4.44
	Forfeited		—			—
	Balance at September 30, 2013		9,352		$	4.42
	Stock option and stock award expenses included with compensation expense were $0 and $18,000, respectively, for the year ended September 30, 2013, and $68,000 and $113,000, respectively, for the year ended September 30, 2012. The Company had no other stock-based compensation plans as of September 30, 2013 except as disclosed below.
	On April 27, 2007 the Company announced its first stock repurchase program and authorized the repurchase of up to 5% of its publicly-held outstanding shares of common stock, or approximately 130,927 shares. The Company completed its first stock repurchase program of 130,927 shares in November 2007 and announced a second repurchase program of up to 5% of its publicly-held outstanding shares of common stock, or 129,924 shares in November 2007. Pursuant to the second repurchase program, the Company had repurchased 81,000 shares of its common stock at an average cost of $8.33 per share through September 30, 2013, leaving 48,924 shares available for repurchase. One of the Company’s intended uses of the repurchased shares is to satisfy awards granted under the 2006 Equity Incentive Plan.
	The Company has an Employee Stock Ownership Plan ("ESOP") for the benefit of employees who meet the eligibility requirements as defined in the plan. The ESOP trust purchased 217,863 shares of common stock in the open market using proceeds of a loan from the Company. The total cost of shares purchased by the ESOP trust was $2.3 million, reflecting an average cost per share of $10.58. The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company. The loan bears a variable interest rate that adjusts annually to Prime (3.25% at September 30, 2013) with principal and interest payable annually in equal installments over thirty years. The loan is secured by shares of the Company’s stock.
	As the debt is repaid, shares are released as collateral and allocated to qualified employees. Accordingly, the shares pledged as collateral are reported as unearned ESOP shares in the Consolidated Balance Sheet. The Company accounts for its ESOP in accordance with FASB ASC Topic 718, “Employer’s Accounting for Employee Stock Ownership Plans”. As shares are released from collateral, the Company reports compensation expense equal to the current market price of the shares, and the shares become outstanding for earnings per share computations. The Company's contribution expense for the ESOP was $69,000 and $49,000 for years ended September 30, 2013 and 2012, respectively.
	The following table presents the components of the ESOP shares as of September 30, 2013:
	Unreleased shares at September 30, 2012		114,318
	Shares released for allocation during the year ended September 30, 2013		(12,445	)
	Unreleased shares at September 30, 2013		101,873
	Total released shares		115,990
	Total ESOP shares		217,863
	The aggregate fair value of the unreleased shares at September 30, 2013 was approximately $756,000.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Sep. 30, 2013
InvestmentSecuritiesAbstract	'
INVESTMENT SECURITIES	'
	NOTE D - INVESTMENT SECURITIES
	The unamortized cost, gross unrealized gains or losses and fair value of the Company’s investment securities available-for-sale and held-to-maturity are as follows:
			30-Sep-13
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities available-for-sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,551	$	5	$	—		$	1,556
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			9,633		9		(241	)		9,401
	Mortgage-backed securities - commercial			3,963		39		—			4,002
	Private label mortgage-backed securities - residential			808		9		(2	)		815
	Total securities available-for-sale			15,955		62		(243	)		15,774
			30-Sep-13
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities held-to-maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	9,455	$	231	$	(121	)	$	9,565
	Mortgage-backed securities - commercial			1,433		—		(3	)		1,430
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			33,758		363		(975	)		33,146
	Debt securities			4,000		—		(267	)		3,733
	Private label mortgage-backed securities - residential			901		27		(11	)		917
	Obligations of state and political subdivisions			11		—		—			11
	Corporate securities			3,000		—		—			3,000
	Total securities held-to-maturity			52,558		621		(1,377	)		51,802
			At September 30, 2012
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities available-for-sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,850	$	11	$	—		$	1,861
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			8,368		207		—			8,575
	Mortgage-backed securities - commercial			4,053		175		—			4,228
	Debt securities			1,000		67		—			1,067
	Private label mortgage-backed securities - residential			1,031		25		(1	)		1,055
	Total securities available-for-sale		$	16,302	$	485	$	(1	)	$	16,786
			At September 30, 2012
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities held-to-maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	10,790	$	414	$	(8	)	$	11,196
	Mortgage-backed securities - commercial			1,522		14		—			1,536
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			18,578		722		(5	)		19,295
	Debt securities			5,770		6		—			5,776
	Private label mortgage-backed securities - residential			1,367		27		—			1,394
	Obligations of state and political subdivisions			41		1		—			42
	Corporate securities			3,000		—		(109	)		2,891
	Total securities held-to-maturity		$	41,068	$	1,184	$	(122	)	$	42,130
	The contractual maturities of mortgage-backed securities generally exceed 10 years; however, the effective lives are expected to be shorter due to anticipated prepayments. The amortized cost and fair value of the Company’s securities available-for-sale at September 30, 2013 are summarized in the following table:
			30-Sep-13
		Amortized		Fair
		Cost		Value
Total debt securities		$	—	$	—
Mortgage-backed securities:
Residential(1)			11,992		11,772
Commercial(2)			3,963		4,002
Total		$	15,955	$	15,774
	-1	Available-for-sale mortgage-backed securities – residential include an amortized cost of $1.6 million and a fair value of $1.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $9.6 million and a fair value of $9.4 million. Also included are residential mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $808,000 and fair value of $815,000.
	-2	Available-for-sale mortgage-backed securities – commercial include an amortized cost of $4.0 million and a fair value of $4.0 million for obligations of U.S. government-sponsored enterprises issued by the Federal National Mortgage Association.
The maturities of the debt securities and the mortgage-backed securities held to maturity at September 30, 2013 are summarized in the following table:
		30-Sep-13
		Amortized		Fair
		Cost		Value
Due within 1 year		$	11	$	11
Due after 1 but within 5 years			3,000		3,000
Due after 5 but within 10 years			1,000		921
Due after 10 years			3,000		2,812
Total debt securities			7,011		6,744
Mortgage-backed securities:
Residential(1)			44,114		43,628
Commercial(2)			1,433		1,430
Total		$	52,558	$	51,802
	-1	Held-to-maturity mortgage-backed securities – residential include an amortized cost of $9.5 million and a fair value of $9.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $33.8 million and a fair value of $33.1 million. Also included are mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $901,000 and a fair value of $917,000.
	-2	Held-to-maturity mortgage-backed securities – commercial include an amortized cost of $1.4 million and a fair value of $1.4 million for obligations of U.S. government agencies issued by the Small Business Administration.
There were $4.2 million and $13.9 million in sales of securities from the available-for-sale portfolios during the years ended September 30, 2013 and 2012, respectively. The gross gains on sales of the available-for-sale securities totaled $121,000 and $286,000, respectively. There were no sales from the held-to-maturity portfolio during the years ended September 30, 2013 and 2012.
As of September 30, 2013 and 2012, securities having an estimated fair value of approximately $9.8 million and $1.7 million, respectively, were pledged to secure public deposits.
Details of securities with unrealized losses at September 30, 2013 and 2012 are as follows:
				30-Sep-13
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
Obligations of U.S. government agencies:
Mortgage-backed securities - residential			3	$	1,887	$	(57	)	$	1,099	$	(64	)	$	2,986	$	(121	)
Mortgage-backed securities - commercial			1		1,430		(3	)		—		—			1,430		(3	)
Obligations of U.S. government-sponsored enterprises
Mortgage-backed securities - residential			22		30,638		(1,202	)		626		(14	)		31,264		(1,216	)
Debt securities			4		3,732		(267	)		—		—			3,732		(267	)
Private label mortgage-backed securities - residential			2		396		(11	)		21		(2	)		417		(13	)
Corporate securities			1		3,000		—			—		—			3,000		—
Total			33	$	41,083	$	(1,540	)	$	1,746	$	(80	)	$	42,829	$	(1,620	)
				30-Sep-12
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
Obligations of U.S. government agencies:
Mortgage-backed securities - residential			1	$	—	$	—		$	1,729	$	(8	)	$	1,729	$	(8	)
Obligations of U.S. government-sponsored enterprises
Mortgage-backed securities - residential			1		1,143		(5	)		—		—			1,143		(5	)
Private label mortgage-backed securities - residential			3		—		—			26		(1	)		26		(1	)
Corporate securities			1		—		—			2,891		(109	)		2,891		(109	)
Total			6	$	1,143	$	(5	)	$	4,646	$	(118	)	$	5,789	$	(123	)
The investment securities listed above currently have fair values less than amortized cost and therefore contain unrealized losses. The Company evaluated these securities and determined that the decline in value was primarily related to fluctuations in the interest rate environment and were not related to any company or industry specific event.
The Company anticipates full recovery of amortized costs with respect to these securities. The Company does not intend to sell these securities and has determined that it is not more likely than not that the Company would be required to sell these securities prior to maturity or market price recovery. Management has considered factors regarding other than temporarily impaired securities and determined that there are no securities with impairment that is other than temporary as of September 30, 2013 and 2012.

LOANS_RECEIVABLE_NET

LOANS RECEIVABLE, NET	12 Months Ended
	Sep. 30, 2013
Loans Receivable, Net [Abstract]	'
LOANS RECEIVABLE, NET	'
	NOTE E - LOANS RECEIVABLE, NET
	Loans receivable are comprised of the following:
		September 30,			September 30,
		2013			2012
		(Dollars in thousands)
	One-to four-family residential	$	152,977		$	157,536
	Commercial real estate		163,368			148,806
	Construction		16,749			17,952
	Home equity lines of credit		20,349			23,435
	Commercial business		34,492			29,930
	Other		11,631			11,265
	Total loans receivable		399,566			388,924
	Net deferred loan costs		247			204
	Allowance for loan losses		(3,013	)		(3,858	)
	Total loans receivable, net	$	396,800		$	385,270
	Certain directors and executive officers of the Company have loans with the Bank. Such loans were made in the ordinary course of business at the Company’s normal credit terms, including interest rate and collateralization, and do not represent more than a normal risk of collection. Total loans receivable from directors and executive officers, and affiliates thereof, were approximately $5.0 million and $5.9 million at September 30, 2013 and 2012, respectively. Total principal additions were approximately $1.3 million and total principal repayments were approximately $2.2 million for the year ended September 30, 2013.
	At September 30, 2013 and 2012, the Company was servicing loans for others amounting to approximately $27.0 million and $27.2 million, respectively. The Company held mortgage servicing rights in the amount of $229,000 and $279,000 at September 30, 2013 and 2012, respectively. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts, disbursing payments to investors, and foreclosure processing. Loan servicing income is recorded on the cash basis and includes servicing fees from investors and certain charges collected from borrowers, such as late payment fees. In connection with loans serviced for others, the Company held borrowers’ escrow balances of approximately $179,000 and $209,000 at September 30, 2013 and 2012, respectively.
	The segments of the Bank’s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The residential mortgage loan segment is further disaggregated into two classes: amortizing term loans, which are primarily first liens, and home equity lines of credit, which are generally second liens.  The commercial loan segment is further disaggregated into three classes. Commercial real estate loans include loans secured by multifamily structures, owner-occupied commercial structures, and non-owner occupied nonresidential properties.  The construction loan segment consists primarily of developers or investors for the purpose of acquiring, developing and constructing residential or commercial structures and to a lesser extent one-to-four family residential construction loans made to individuals for the acquisition of and/or construction on a lot or lots on which a residential dwelling is to be built.  Construction loans to developers and investors have a higher risk profile because the ultimate buyer, once development is completed, is generally not known at the time of the loan.  The commercial business loan segment consists of loans made for the purpose of financing the activities of commercial customers and consists primarily of revolving lines of credit. The consumer loan segment consists primarily of stock-secured installment loans, but also includes unsecured personal loans and overdraft lines of credit connected with customer deposit accounts.
	Management evaluates individual loans in all segments for possible impairment if the loan either is in nonaccrual status, or is risk rated Substandard and is greater than 90 days past due.  Loans are considered to be 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 evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  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.
	Once the determination has been made that a loan is impaired, the recorded investment in the loan is compared to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral securing the loan, less anticipated selling and disposition costs. The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method. If there is a shortfall between the fair value of the loan and the recorded investment in the loan, the Company charges the difference to the allowance for loan loss as a charge-off and carries the impaired loan on its books at fair value. It is the Company’s policy to evaluate impaired loans on an annual basis to ensure the recorded investment in a loan does not exceed its fair value.
	The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods presented:
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
	At and for the year ended	Recorded			Related			Recorded			Recorded			Principal
	30-Sep-13	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	6,192		$	513		$	8,478		$	14,670		$	15,631
	Commercial real estate		421			7			5,599			6,020			7,179
	Construction		600			11			2,896			3,496			4,953
	Home equity lines of credit		—			—			1,027			1,027			1,268
	Commercial business		11			11			84			95			116
	Other		—			—			—			—			—
	Total impaired loans	$	7,224		$	542		$	18,084		$	25,308		$	29,147
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
	At and for the year ended	Recorded			Related			Recorded			Recorded			Principal
	30-Sep-12	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	—		$	—		$	7,124		$	7,124		$	7,594
	Commercial real estate		3,999			798			2,425			6,424			7,204
	Construction		—			—			5,141			5,141			6,927
	Home equity lines of credit		1,340			122			967			2,307			2,475
	Commercial business		—			—			57			57			57
	Other		12			12			—			12			12
	Total impaired loans	$	5,351		$	932		$	15,714		$	21,065		$	24,269
	The average recorded investment in impaired loans was $22.9 million and $24.0 million for the year ended September 30, 2013 and 2012, respectively. During the year ended September 30, 2013 and 2012, no interest income was recognized while the loans were impaired, and no interest income was recognized using the cash basis method of accounting while these loans were impaired.
	The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system for the period presented:
					Special
		Pass			Mention			Substandard			Doubtful			Total
		(Dollars in  thousands)
	30-Sep-13
	One-to four-family residential	$	141,881		$	346		$	10,750		$	—		$	152,977
	Commercial real estate		156,511			1,128			5,729			—			163,368
	Construction		8,839			—			7,910			—			16,749
	Home equity lines of credit		17,988			—			2,361			—			20,349
	Commercial business		32,905			466			1,121			—			34,492
	Other		11,631			—			—			—			11,631
	Total	$	369,755		$	1,940		$	27,871		$	—		$	399,566
					Special
	Pass			Mention			Substandard			Doubtful			Total
	(Dollars in  thousands)
30-Sep-12
One-to four-family residential	$	146,487		$	3,925		$	7,124		$	—		$	157,536
Commercial real estate		137,616			3,063			6,448			1,679			148,806
Construction		8,274			4,537			5,141			—			17,952
Home equity lines of credit		20,295			833			967			1,340			23,435
Commercial business		26,057			3,151			722			—			29,930
Other		11,253			—			12			—			11,265
Total	$	349,982		$	15,509		$	20,414		$	3,019		$	388,924
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans for the period presented:
				30-59			60-89
				Days			Days			90 Days +			Total			Non-			Total
	Current			Past Due			Past Due			Past Due			Past Due			Accrual			Loans
	(Dollars in thousands)
30-Sep-13
One-to four-family residential	$	144,084		$	—		$	378		$	8,515		$	8,893		$	8,515		$	152,977
Commercial real estate		160,624			—			—			2,744			2,744			2,744			163,368
Construction		13,223			—			—			3,526			3,526			3,526			16,749
Home equity lines of credit		19,253			250			—			846			1,096			846			20,349
Commercial business		34,467			—			—			25			25			25			34,492
Other		11,631			—			—			—			—			—			11,631
Total	$	383,282		$	250		$	378		$	15,656		$	16,284		$	15,656		$	399,566
				30-59			60-89
				Days			Days			90 Days +			Total			Non-			Total
	Current			Past Due			Past Due			Past Due			Past Due			Accrual			Loans
	(Dollars in thousands)
30-Sep-12
One-to four-family residential	$	147,749		$	621		$	1,589		$	7,577		$	9,787		$	7,577		$	157,536
Commercial real estate		141,674			—			708			6,424			7,132			6,424			148,806
Construction		12,811			—			—			5,141			5,141			5,141			17,952
Home equity lines of credit		22,353			160			59			863			1,082			863			23,435
Commercial business		29,761			10			102			57			169			57			29,930
Other		11,253			—			—			12			12			12			11,265
Total	$	365,601		$	791		$	2,458		$	20,074		$	23,323		$	20,074		$	388,924
The amount of interest income not recognized on non-accrual loans was approximately $763,000 and $2.1 million for the years ended September 30, 2013 and 2012, respectively. At September 30, 2013 and September 30, 2012, there were no commitments to lend additional funds to borrowers whose loans are classified as non-accrual.
An allowance for loan losses (“ALL”) is maintained to absorb losses from the loan portfolio.  The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of NPLs.
The Bank’s methodology for determining the ALL is based on the requirements of ASC Section 310-10-35 for loans individually evaluated for impairment (discussed above) and ASC Subtopic 450-20 for loans collectively evaluated for impairment, as well as the Interagency Policy Statements on the Allowance for Loan and Lease Losses and other bank regulatory guidance.
Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are modified by other qualitative and economic factors.
The loans are segmented into classes based on their inherent varying degrees of risk, as described above. Management tracks the historical net charge-off activity by segment and utilizes this figure, as a percentage of the segment, as the general reserve percentage for pooled, homogenous loans that have not been deemed impaired. Typically, an average of losses incurred over 5 historical years is used.
Non-impaired credits are segregated for the application of qualitative factors. Management has identified a number of additional qualitative factors which it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience. The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources are: national and local economic trends and conditions; levels of and trends in delinquency rates and non-accrual loans; trends in volumes and terms of loans; effects of changes in lending policies; experience, ability, and depth of lending staff; value of underlying collateral; and concentrations of credit from a loan type, industry and/or geographic standpoint.
Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL.  When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. Since loans individually evaluated for impairment are promptly written down to their fair value, typically there is no portion of the ALL for loans individually evaluated for impairment.
The following tables summarize the activity in the allowance for loan losses by loan category for the years ended September 30, 2013 and 2012:
	One-to Four-									Home Equity
	Family			Commercial						Lines of			Commercial
	Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
	(Dollars in  thousands)
Balance - September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
Charge-offs		(478	)		(576	)		(1,374	)		(13	)		(806	)		(13	)		—			(3,260	)
Recoveries		—			20			284			—			—			—			—			304
Provision		712			(521	)		1,054			(95	)		875			(1	)		86			2,111
Balance-September 30, 2013	$	844		$	852		$	604		$	125		$	452		$	9		$	127		$	3,013
	One-to Four-									Home Equity
	Family			Commercial						Lines of			Commercial
	Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
	(Dollars in  thousands)
Balance- September 30, 2011	$	734		$	1,266		$	1,043		$	101		$	551		$	13		$	104		$	3,812
Charge-offs		(326	)		(110	)		(880	)		(81	)		(69	)		—			—			(1,466	)
Recoveries		—			—			51			—			—			—			—			51
Provision		202			773			426			212			(99	)		10			(63	)		1,461
Balance - September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
The following tables summarize the ALL by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2013 and September 30, 2012:
	One-to Four-									Home Equity
	Family			Commercial						Lines of			Commercial
	Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
	(Dollars in  thousands)
Allowance for Loan Losses:
Balance - September 30, 2013	$	844		$	852		$	604		$	125		$	452		$	9		$	127		$	3,013
Individually evaluated
for impairment		513			7			11			—			11			—			—			542
Collectively evaluated
for impairment		331			845			593			125			441			9			127			2,471
Loans receivable:
Balance - September 30, 2013	$	152,977		$	163,368		$	16,749		$	20,349		$	34,492		$	11,631					$	399,566
Individually evaluated
for impairment		14,670			6,020			3,496			1,027			95			—						25,308
Collectively evaluated
for impairment		138,307			157,348			13,253			19,322			34,397			11,631						374,258
	One-to Four-									Home Equity
	Family			Commercial						Lines of			Commercial
	Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
	(Dollars in  thousands)
Allowance for Loan Losses:
Balance- September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
Individually evaluated
for impairment		—			798			—			122			—			12			—			932
Collectively evaluated
for impairment		610			1,131			640			110			383			11			41			2,926
Loans receivable:
Balance - September 30, 2012	$	157,536		$	148,806		$	17,952		$	23,435		$	29,930		$	11,265					$	388,924
Individually evaluated
for impairment		7,124			6,424			5,141			2,307			57			12						21,065
Collectively evaluated
for impairment		150,412			142,382			12,811			21,128			29,873			11,253						367,859
The allowance for loan losses is based on estimates, and actual losses will vary from current estimates. Management believes that the segmentation of the loan portfolio into homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ALL that is representative of the risk found in the components of the portfolio at any given date.
The Bank has adopted FASB issue ASU No. 2011-02 on the determination of whether a loan restructuring is considered to be a Troubled Debt Restructuring (“TDR”). A TDR is a loan that has been modified whereby the Bank has agreed to make certain concessions to a borrower to meet the needs of both the borrower and the Bank to maximize the ultimate recovery of a loan. TDR occurs when a borrower is experiencing, or is expected to experience, financial difficulties and the loan is modified using a modification that would otherwise not be granted to the borrower. The types of concessions granted generally included, but are not limited to interest rate reductions, limitations on the accrued interest charged, term extensions, and deferment of principal.
There were eight TDRs during the year ended September 30, 2013. These were classified as TDRs due to financial difficulty of the borrowers and lower than market interest rates. The following table summarizes the TDRs during the twelve month period ended September 30, 2013 and 2012:
	Year Ended September 30, 2013
	Number of			Investment Before			Investment After
	Loans			TDR Modification			TDR Modification
	(Dollars in thousands)
One-to four-family residential		7		$	1,170		$	1,168
Commercial real estate		1			693			995
Construction		—			—			—
Home equity lines of credit		—			—			—
Commercial business		—			—			—
Other		—			—			—
Total		8		$	1,863		$	2,163
	Year Ended September 30, 2012
	Number of			Investment Before			Investment After
	Loans			TDR Modification			TDR Modification
	(Dollars in thousands)
One-to four-family residential		6		$	2,336		$	2,336
Commercial real estate		4			3,269			2,325
Construction		—			—			—
Home equity lines of credit		—			—			—
Commercial business		—			—			—
Other		—			—			—
Total		10		$	5,605		$	4,661
A default on a TDR loan for purposes of this disclosure occurs when a borrower is 90 days past due or a foreclosure or repossession of the applicable collateral has occurred. During the year ended September 30, 2013, no defaults occurred on troubled debt restructured loans that were modified as a TDR within the previous 12 months.
The Company has interest-only mortgage loans with principal balances of $16.9 million and $17.4 million at September 30, 2013 and 2012, respectively. The average interest-only term on these loans is 10 years at which time these loans reset to fully amortize over 20 years, on average. As these loans are collateralized by residential real estate with an average original loan-to-value of 71.1%, management does not anticipate any losses on these loans as of September 30, 2013.
Total loans pledged as collateral against Federal Home Loan Bank of New York borrowings was $97.8 million and $86.3 million as of September 30, 2013 and 2012, respectively.

ACCRUED_INTEREST_RECEIVABLE

ACCRUED INTEREST RECEIVABLE	12 Months Ended
	Sep. 30, 2013
Notes to Financial Statements	'
ACCRUED INTEREST RECEIVABLE	'
	NOTE F - ACCRUED INTEREST RECEIVABLE
	The following is a summary of accrued interest receivable:
		September 30,
		2013		2012
		(Dollars in thousands)
	Loans	$	1,563	$	1,686
	Investment securities		51		91
	Mortgage-backed securities		138		117
	Total accrued interest receivable	$	1,752	$	1,894

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Sep. 30, 2013
Property, Plant and Equipment [Abstract]	'
PREMISES AND EQUIPMENT	'
	NOTE G - PREMISES AND EQUIPMENT
	Premises and equipment consist of the following:
		Estimated	September 30,
		Useful Lives	2013			2012
			(Dollars in thousands)
	Land	Indefinite	$	5,330		$	5,330
	Buildings and improvements	10-40 years		21,382			21,811
	Furniture, fixtures and equipment	5-10  years		2,673			2,512
				29,385			29,653
	Less accumulated depreciation and amortization			(8,505	)		(8,112	)
			$	20,880		$	21,541
	For the years ended September 30, 2013 and 2012, depreciation expense included in occupancy expense amounted to approximately $927,000 and $935,000, respectively.
	Hungaria Urban Renewal, LLC was formed in 2002 and its sole purpose was to purchase the land and construct the office building for which the Company is the primary tenant. During the period of construction, the Company had leased the land and building from the entity. The lease payments were structured to equal the debt service on the loans plus a nominal fee. The lease agreement contained an irrevocable purchase option allowing the Company to purchase the land and building from this entity for the aggregated outstanding indebtedness. The Company owns a 100% interest in Hungaria Urban Renewal, LLC, which has no other business other than owning the Bank’s main office site. At September 30, 2013, Hungaria Urban Renewal, LLC accounted for approximately $3.1 million, $11.0 million, and $209,000 of land, building, and furniture, fixtures and equipment, net of depreciation, respectively. At September 30, 2012, Hungaria Urban Renewal, LLC accounted for approximately $3.1 million, $11.4 million, and $314,000 of land, building, and furniture, fixtures and equipment, net of depreciation, respectively.

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
OTHER REAL ESTATE OWNED	'
	NOTE H - OTHER REAL ESTATE OWNED
	The Company held $14.8 million of real estate owned properties at September 30, 2013 and $13.4 million at September 30, 2012. The Company incurred write-downs totaling $42,000 and $148,000 on these properties for the year ended September 30, 2013 and 2012; these amounts were carried as valuation allowances at September 30, 2013 and 2012, respectively. Further declines in real estate values may result in increased foreclosed real estate expense in the future. Routine holding costs are charged to expense as incurred and improvements to real estate owned that enhance the value of the real estate are capitalized.

DEPOSITS

DEPOSITS	12 Months Ended
	Sep. 30, 2013
Deposits [Abstract]	'
DEPOSITS	'
	NOTE I - DEPOSITS
	A summary of deposits by type of account follows:
		September 30,
		2013		2012
		(Dollars in thousands)
	Demand accounts	$	98,345	$	50,897
	Savings accounts		53,291		55,293
	NOW accounts		40,500		44,312
	Money market accounts		107,351		107,555
	Certificate of deposit		125,696		129,716
	Retirement accounts		28,145		28,745
		$	453,328	$	416,518
	The aggregate amount of deposit accounts with a minimum denomination of $100,000 was approximately $296.0 million and $238.3 million at September 30, 2013 and 2012, respectively. The aggregate amount of certificate deposits with balance of $100,000 or more was $82.6 million at both September 30, 2013 and 2012.
	At September 30, 2013, certificates of deposit (including retirement accounts) have contractual maturities as follows (in thousands):
	Year Ending September 30,
	2014	$	96,684
	2015		27,727
	2016		14,225
	2017		7,856
	2018		11,606
	Thereafter		649
		$	158,747

BORROWINGS

BORROWINGS	12 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
BORROWINGS	'
	NOTE J - BORROWINGS
	1. Federal Home Loan Bank of New York Advances
	Long term Federal Home Loan Bank of New York (FHLBNY) advances at September 30, 2013 and September 30, 2012 totaled approximately $27.1 million and $36.5 million, respectively. The weighted average interest rate on advances outstanding at September 30, 2013 was 3.21%. The advances were collateralized by unencumbered qualified assets consisting of one-to-four family residential mortgage loans and investment securities. Advances are made pursuant to several different credit programs offered from time to time by the FHLBNY.
	Long term FHLBNY advances as of September 30, 2013 mature as follows (in thousands):
	Year Ending September 30,
	2014	$	8,700
	2015		5,000
	2016		2,260
	2017		3,000
	2018		4,000
	Thereafter		4,140
		$	27,100
	Additionally, the Company has established an Overnight Line of Credit arrangement with the FHLBNY. The total amount available under the line of credit is based on the amount of eligible collateral pledged to the FHLBNY. At September 30, 2013 and 2012, the Company had available credit from the FHLBNY totaling $61.3 million and $43.6 million, respectively. Information concerning short-term arrangements with the FHLBNY is summarized as follows:
		September 30,
		2013		2012
		(Dollars in thousands)
	Balance at end of year	$	—	$	1,400
	Weighted average balance during the year	$	2,721	$	911
	Maximum month-end balance during the year	$	15,500	$	8,750
	Average interest rate during the year		0.39%		0.38%
	2. Securities Sold Under Reverse Repurchase Agreements
	Qualifying repurchase agreements are treated as financings and are reflected as a liability in the consolidated balance sheet. The Company had repurchase agreements of $5.0 million at September 30, 2013 and 2012. The $5.0 million outstanding at September 30, 2013, is at an interest rate of 3.83% maturing in December 2014. These agreements are collateralized by securities underlying the agreements and are held in safekeeping with the transaction’s counter-party. At September 30, 2013, the fair value of the FHLB obligation and mortgage-backed investment security collateral for these agreements totaled approximately $5.8 million.

SERVICING_POLICY

SERVICING POLICY	12 Months Ended
	Sep. 30, 2013
Transfers and Servicing [Abstract]	'
SERVICING POLICY	'
	NOTE K – SERVICING POLICY
	The Company originates and sells loans receivable secured by one-to-four family residential properties and commercial business loans guaranteed by the SBA. The Company has sold loans on a servicing retained basis and on a servicing released basis. Loans sold with servicing released and servicing retained during the year ended September 30, 2013 were $0 and $4.9 million, respectively. Loans sold with servicing released and servicing retained during the year ended September 30, 2012 were $0 and $9.2 million, respectively. The Company accounts for sales in accordance with ASC 860, Transfers and Servicing. Upon sale, the receivables are removed from the balance sheet, mortgage servicing rights are recorded as an asset for servicing rights retained, and a gain on sale, if applicable, is recognized for the difference between the carrying value of the receivables and the sales proceeds, net of origination costs.
	Gains on sales of loans, representing the difference between the total sales price received for the loans and the allocated cost of the loans, are recognized when mortgage loans are sold and delivered to the purchasers. Loans have been sold on a servicing released basis and servicing retained basis. Loans are accounted for as sold when control of the mortgage is surrendered. Control over the mortgage loans is deemed surrendered when (1) the mortgage loans have been isolated from the Company, (2) the buyer has the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the mortgage loans and (3) the Company does not maintain effective control over the mortgage loans through either (a) an agreement that entitles and obligates the Company to repurchase or redeem the mortgage loans before maturity, or (b) the ability to unilaterally cause the buyer to return specific mortgage loans.
	The Company services one-to-four family residential mortgage loans for investors in the secondary mortgage market, which are not included in the balance sheet. The Company’s fee is a percentage of the principal balance and is recognized as income when received. At September 30, 2013 and 2012, we were servicing such sold loans in the amount of $18.2 million and $20.8 million, respectively. Loan servicing includes collecting and remitting loan payments, accounting for principal and interest, contacting delinquent mortgagors, supervising foreclosures and property dispositions in the event of unremedied defaults, making certain insurance and tax payments on behalf of the borrowers and generally administering the loans. Mortgage servicing rights are amortized in proportion to, and over the period of, estimated net servicing revenues and are included in other assets on the consolidated balance sheet. Activity in mortgage servicing rights during the years ended September 30, 2013 and 2012 are summarized as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Beginning balance	$	279		$	235
	Origination of mortgage servicing rights		20			141
	Amortization		(70	)		(97	)
	Ending balance	$	229		$	279
	Mortgage servicing rights are carried at the lower of amortized cost or fair value. Fair values are estimated using discounted cash flows based on a current market interest rate.
	The Company also services the SBA guaranteed portion of commercial business loans sold to investors in the secondary market, which are not included in the balance sheet.  The Company’s fee is a percentage of the principal balance and is recognized as income when received. At September 30, 2013 and 2012, we were servicing SBA loans sold in the amount of $8.8 million and $6.3 million, respectively. Loan servicing includes collecting and remitting loan payments, accounting for principal and interest, contacting delinquent mortgagors, supervising foreclosures and property dispositions in the event of unremedied defaults, making certain insurance and tax payments on behalf of the borrowers and generally administering the loans.

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Sep. 30, 2013
Income Taxes	'
INCOME TAXES	'
	NOTE L - INCOME TAXES
	The income tax expense is comprised of the following components for the years ended September 30, 2013 and 2012:
		September 30,
		2013			2012
		(Dollars in thousands)
	Current	$	(63	)	$	20
	Deferred		84			101
	Total income tax expense	$	21		$	121
	A reconciliation of income tax at the statutory tax rate to the effective income tax expense for the years ended September 30, 2013 and 2012 is as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Income tax expense (benefit) at statutory rate	$	97		$	214
	Increase (decrease) resulting from:
	State income taxes, net of federal income tax benefit		5			34
	Tax-exempt income, net		(108	)		(112	)
	Nondeductible expenses		3			4
	Share based compensation		—			14
	Employee stock ownership plan		(25	)		(32	)
	Increase (decrease) in valuation allowance		49			(26	)
	Other, net		—			25
	Total income tax expense	$	21		$	121
	The major sources of temporary differences and their deferred tax effect at September 30, 2013 and 2012 are as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Allowance for loan losses	$	1,203		$	1,541
	Deferred loan fees		1,067			1,016
	Employee benefits		295			299
	Charitable contributions		18			13
	Net operating losses		1,912			1,727
	Alternative minimum tax credit		176			247
	Unrealized loss, minimum pension liability		348			627
	Net unrealized losses, investment securities available-for-sale		67			—
	OREO		297			319
	Straight line rent		118			93
	Gross deferred tax asset		5,501			5,882
	Depreciation		(1,469	)		(1,573	)
	Discount accretion on investments		(95	)		(107	)
	Net unrealized gains, investment securities available-for-sale		—			(178	)
	Unrealized gain, derivative contracts		—			(22	)
	Mortgage servicing rights		(92	)		(111	)
	Gross deferred tax liability		(1,656	)		(1,991	)
	Net deferred tax asset		3,845			3,891
	Valuation allowance		(183	)		(134	)
	Net deferred tax asset, included in other assets	$	3,662		$	3,757
	In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which temporary differences are deductible and carry forwards are available. Due to the uncertainty of the Company's ability to realize the benefit of certain deferred tax assets within statutory time limits, the net deferred tax assets are partially offset by a valuation allowance at September 30, 2013 and 2012.
	The net change in the valuation allowance for the year ended September 30, 2013 was an increase of approximately $49,000. This change was based upon management’s assessment of current and projected future operations. Management determined that a deferred tax valuation allowance was necessary on $183,000 of state net operating loss carry forwards. The Company has considered future market growth, forecasted earnings, future taxable income, feasible and permissible tax planning strategies in determining the realizability of deferred tax assets. If the Company was to determine that it would not be able to realize a portion of its net deferred tax asset in the future for which there is currently no valuation allowance, an adjustment to the net deferred tax asset would be charged to earnings in the period such determination was made. Conversely, if the Company was to make a determination that it is more likely than not that the deferred tax assets for which there is a valuation allowance would be realized, the related valuation allowance would be reduced and a benefit to earnings would be recorded.
	At September 30, 2013 the Company had approximately $4.2 million of federal and $8.3 million of state net operating loss carry forwards available to offset future taxable income for tax reporting purposes. The Federal net operating loss carry forward will begin to expire in 2029. The state net operating loss carry forward will begin to expire in 2015, if not utilized. At September 30, 2013, there was no valuation allowance against the Federal net operating loss carry forward and an $183,000 valuation allowance against the state net operating loss carry forward. In determining whether or not a valuation allowance was necessary for its federal and state net operating losses, the Company considered forecasted earnings, future taxable income, and tax planning strategies limited to the twelve months following September 30, 2013.
	Prior to 1996, savings banks that met certain definitions, tests and other conditions prescribed by the Internal Revenue Code were allowed to deduct, with limitations, a bad debt deduction computed as a percentage of taxable income before such deduction. Currently, the Company employs the direct charge-off method to account for bad debt. The company was required to switch from the reserve method because it now qualifies as a Large Bank as defined under Code Section 585, and is precluded from further using the reserve method.
	The Company is not required to provide a deferred tax liability for its tax loss reserve as of December 31, 1987 (the Base Year). The amount of this reserve on which no deferred taxes have been provided is approximately $1,258,000. This reserve could be recognized as taxable income and create a current and/or deferred tax liability using the income tax rates then in effect if one of the following occur: (1) the Company’s retained earnings represented by this reserve is used for purposes other than to absorb losses from bad debts, including dividends or distributions in liquidation, (2) the Company fails to meet the definitions, tests, or other conditions provided by the Internal Revenue Code for a qualified savings and loan association, or (3) there is a change in the Federal tax law. Deferred tax liabilities have been recorded for tax loss reserves in excess of book reserves recorded after the Base Year.

PENSION_PLAN

PENSION PLAN	12 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
PENSION PLAN	'
	NOTE M - PENSION PLAN
	On January 26, 2006, the Company’s defined-benefit pension plan was frozen and amended to eliminate future benefit accruals after February 15, 2006.
	The Company had a noncontributory defined benefit pension plan covering all eligible employees. Plan assets are invested in six diversified investment funds of the Pentegra Retirement Trust (the Trust), a no load series open-ended mutual fund. The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust’s Statement of Investment Objectives and Guidelines (the Guidelines).
	The long-term investment objective is to be invested 65% in equity securities (equity mutual funds) and 35% in debt securities (bond mutual funds). If the plan is underfunded under the Guidelines, the bond fund portion will be temporarily increased to 50% in order to lessen asset value volatility. When the plan is no longer underfunded, the bond fund portion will be decreased back to 35%. Asset rebalancing is performed at least annually, with interim adjustments made when the investment mix varies more than 5% from the target (i.e., a 10% target range). Risk/volatility is further managed by the distinct investment objectives of each of the Trust funds and the diversification within each fund.
	The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated balance sheet at September 30, 2013 and September 30, 2012.
		At September 30,
		2013			2012
		(Dollars in thousands)
	Actuarial present value of benefit obligations	$	3,630		$	4,156
	Change in benefit obligations
	Projected benefit obligation, beginning	$	4,156		$	3,719
	Interest cost		162			172
	Actuarial (gain) loss		(507	)		438
	Annuity payments and lump sum distributions		(181	)		(173	)
	Projected benefit obligation, end	$	3,630		$	4,156
	Change in plan assets
	Fair value of assets, beginning	$	2,487		$	2,196
	Actual return on plan assets		252			296
	Employer contributions		172			168
	Annuity payments and lump sum distributions		(181	)		(173	)
	Fair value of assets, end	$	2,730		$	2,487
	Funded status included with other liabilities	$	(900	)	$	(1,669	)
	Net pension cost for the years ended September 30, 2013 and 2012 included the following components:
		September 30,
		2013			2012
		(Dollars in thousands)
	Service cost benefits earned during the year	$	—		$	—
	Interest cost on projected benefit obligation		162			172
	Expected return on plan assets		(186	)		(161	)
	Amortization of unrecognized net loss		124			81
	Net Pension Cost	$	100		$	92
	For the year ended September 30, 2013, the weighted average discount rate used in determining the actuarial present value of the projected benefit obligation was 5.00%. For the year ended September 30, 2012, the weighted average discount rate used in determining the actuarial present value of the projected benefit obligation was 4.00%.
	The long-term rate-of-return-on-assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan’s target allocation of asset classes. Equities and fixed income securities were assumed to earn rates of return in the ranges of 7-11% and 2-6% for the year ended September 30, 2013, respectively. When these overall return expectations are applied to the plan’s target allocation, the result is an expected rate of return of 6.0% to 10.0%. Accordingly, the expected long-term rate of return on assets was 7.50% for 2013 and 2012.
	Current Asset Allocation
	The Company’s pension plan weighted-average asset allocations at September 30, 2013 and 2012, by asset category are as follows:
		September 30,
		2013			2012
	Equity securities		62%			58%
	Debt securities (Bond Mutual Funds)		37%			42%
	Other (Money Market Fund)		1%			0%
	Total		100%			100%
	The target asset allocation set for the assets of the plan are in equity securities ranging from 40 percent to 70 percent and in debt securities ranging from 30 percent to 60 percent. In general, the plan assets are investment securities that are well-diversified in terms of industry, capitalization and asset class. The plan assets are mostly a mix of U.S. Treasury security indexed funds, mutual funds indexed to the performance of Fortune 500 U.S. companies, debt securities held in bond funds, domestic and foreign common equity funds, and a money market fund. The plan’s exposure to a concentration of credit risk is limited by the diversification of the investments into various investment options with multiple asset managers.
	Expected Contributions
	For the fiscal year ending September 30, 2014, the Company expects to contribute $111,000 to the Plan.
	Estimated Future Benefit Payments
	The following benefit payments are expected to be paid as follows (in thousands):
	October 1, 2013 through September 30, 2014	$	194
	October 1, 2014 through September 30, 2015		197
	October 1, 2015 through September 30, 2016		197
	October 1, 2016 through September 30, 2017		198
	October 1, 2017 through September 30, 2018		198
	October 1, 2018 through September 30, 2023		998
		$	1,982
	Included in the funded status of the pension plan at September 30, 2013 and 2012, are actuarial losses of $872,000 and $1,570,000, respectively. These amounts are included, net of related income tax effects of $348,000 and $627,000, respectively, in the accumulated other comprehensive loss component of stockholders’ equity. During the year ending September 30, 2014, approximately $54,000 of the actuarial losses is expected to be amortized into net periodic pension expense.
	The following table presents the plan assets that are measured at fair value on a recurring basis by level within the fair value hierarchy under ASC Topic 820. Financial assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. See Note R for further detail regarding fair value hierarchy.
					Fair Value Measurements at Reporting Date Using:
					Quoted Prices			Significant
		At			in Active Markets			Other		Significant
		September 30,			for Identical			Observable		Unobservable
		2013			Assets (Level 1)			Inputs (Level 2)		Inputs (Level 3)
		(In thousands)
	Investment Type
	Mutual Funds- Equity
Large-Cap Value	$	320		$	320		$	—	$	—
Large-Cap Core		323			323			—		—
Mid-Cap Core		161			161			—		—
Small-Cap Core		165			165			—		—
Non-U.S. Core		717			717			—		—
Mutual Funds- Fixed Income
Intermediate-Term Core		1,006			1,006			—		—
Cash Equivalents
Money Market		38			38			—		—
Total Investment	$	2,730		$	2,730		$	—	$	—
				Fair Value Measurements at Reporting Date Using:
				Quoted Prices			Significant
	At			in Active Markets			Other		Significant
	September 30,			for Identical			Observable		Unobservable
	2012			Assets (Level 1)			Inputs (Level 2)		Inputs (Level 3)
	(In thousands)
Investment Type
Mutual Funds- Equity
Large-Cap Value	$	270		$	270		$	—	$	—
Large-Cap Core		278			278			—		—
Mid-Cap Core		129			129			—		—
Small-Cap Core		130			130			—		—
Non-U.S. Core		628			628			—		—
Mutual Funds- Fixed Income
Intermediate-Term Core		1,051			1,051			—		—
Cash Equivalents
Money Market		1			1			—		—
Total Investment	$	2,487		$	2,487		$	—	$	—
Equity and debt securities are reported at fair value in the table above utilizing exchange quoted prices in active markets for identical instruments (Level 1 inputs).

NONQUALIFIED_COMPENSATION_PLAN

NONQUALIFIED COMPENSATION PLAN	12 Months Ended
	Sep. 30, 2013
Postemployment Benefits [Abstract]	'
NONQUALIFIED COMPENSATION PLAN	'
	NOTE N - NONQUALIFIED COMPENSATION PLAN
	The Company maintains a Supplemental Executive Retirement Plan (SERP) for the benefit of its senior officers. In addition, the Company also adopted voluntary Deferred Income and Emeritus Plans on behalf of its directors and those directors elected by the Board as “Director Emeritus.” The SERP provides the Company with the opportunity to supplement the retirement income of selected officers to achieve equitable wage replacement at retirement while the Deferred Income Plan provides participating directors with an opportunity to defer all or a portion of their fees into a tax deferred accumulation account for future retirement. The Director Emeritus Plan enables the Company to reward its directors for longevity of service in consideration of their availability and consultation at a sum equal to a fifteen year certain annuity based on fifty-percent of last years’ Board fee. The SERP is based upon achieving retirement benefits equal to two percent multiplied by the number of service years multiplied by the final salary.
	In 2001, the Company adopted a New Director Emeritus Plan (the “New Plan”), which supplemented the prior Director Emeritus Plans. Under the New Plan, the directors will be entitled to a benefit upon attainment of his/her benefit age. The directors will receive an annual amount in monthly installments based on his/her total Board and Committee fees in the twelve months prior to attainment of his/her benefit age. The amount will be ten percent (10%) plus two and one-half percent (2 1/2%) for each year of service as a Director, with a minimum of fifty percent (50%), provided the Director has served for at least five (5) years, and a maximum of sixty percent (60%). The maximum benefit increases for any Director serving as Chairman of the Board to seventy-five percent (75%).
	The Company funds the plans through a modified endowment contract. Income recorded for the plans represents life insurance income as recorded based on the projected increases in cash surrender values of life insurance policies. As of September 30, 2013 and 2012, the Life Insurance Contracts had cash surrender values of approximately $10,342,000 and $10,010,000, respectively.
	The Company is recording benefit costs so that the cost of each participant’s retirement benefits is being expensed and accrued over the participant’s active employment so as to result in a liability at retirement date equal to the present value of the benefits expected to be provided.

401K_EMPLOYEE_CONTRIBUTION_PLA

401(K) EMPLOYEE CONTRIBUTION PLAN	12 Months Ended
	Sep. 30, 2013
K Employee Contribution Plan	'
401(K) EMPLOYEE CONTRIBUTION PLAN	'
	NOTE O - 401(K) EMPLOYEE CONTRIBUTION PLAN
	The Company has a defined contribution 401(k) plan covering all employees, as defined under the plan document. Employees may contribute to the plan, as defined under the plan document, and the Company can make discretionary contributions. The Company contributed $38,000 and $0 to the plan for the years ended September 30, 2013 and 2012, respectively.

COMMITMENTS

COMMITMENTS	12 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
COMMITMENTS	'
	NOTE P - COMMITMENTS
		1	Lease Commitments
	Approximate future minimum payments under non-cancelable operating leases are due as follows for the years ending September 30 (in thousands):
	September 30,
	2014		$	568
	2015			568
	2016			588
	2017			627
	2018			627
	Thereafter			5,011
			$	7,989
	Total rental expense was approximately $739,000 and $789,000 for the years ended September 30, 2013 and 2012, respectively.
		2	Contingencies
	The Company and its subsidiaries, from time to time, are a party to routine litigation that arises in the normal course of business. In the opinion of management, the resolution of this litigation, if any, would not have a material adverse effect on the Company’s consolidated financial position or results of operations.

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	12 Months Ended
	Sep. 30, 2013
Financial Instruments With Off-Balance Sheet Risk	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	'
	NOTE Q - FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
	The Company may use derivative financial instruments, such as interest rate floors and collars, as part of its interest rate risk management. Interest rate caps and floors are agreements whereby one party agrees to pay or receive a floating rate of interest on a notional principal amount for a predetermined period of time if certain market interest rate thresholds are met. The Company considers the credit risk inherent in these contracts to be negligible. As of September 30, 2013, the Company did not hold any interest rate floors or collars.
	In April 2008, the Company unwound a $10 million interest rate collar with Lehman Brothers Special Financing Inc. and received an $817,000 termination fee. The termination fee was netted against the book value of $112,000, resulting in an unrealized gain of $705,000. In accordance with US GAAP, the unrealized gain remained in other comprehensive income, net of deferred tax expense, and was accreted to income over the contracted life of the interest rate collar, which matured June 24, 2013. At September 30, 2012, the book value of the unwound derivative was $54,000, recorded as $33,000 in other comprehensive loss, net of deferred tax of $21,000.
	The Company 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. These financial instruments are commitments to extend credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets.
	The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.
	At September 30, 2013 and 2012, the Company had outstanding commitments (substantially all of which expire within one year) to originate residential mortgage loans, construction loans, commercial real estate and consumer loans. These commitments were comprised of fixed and variable rate loans.
		September 30,
		2013		2012
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk (in thousands)
	Letters of credit	$	1,450	$	1,450
	Unused lines of credit		38,823		41,162
	Fixed rate loan commitments		2,546		1,988
	Variable rate loan commitments		6,985		14,112
		$	49,804	$	58,712

FAIR_VALUE_DISCLOSURES

FAIR VALUE DISCLOSURES	12 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
FAIR VALUE DISCLOSURES	'
	NOTE R - FAIR VALUE DISCLOSURES
	We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Our securities available-for-sale are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record at fair value other assets or liabilities on a non-recurring basis, such as held-to-maturity securities, mortgage servicing rights, loans receivable and other real estate owned, or OREO. These non-recurring fair value adjustments involve the application of lower-of-cost-or-market accounting or write-downs of individual assets.
	In accordance with ASC 820, Fair Value Measurements and Disclosures, we group our assets and liabilities at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:
	Level 1-           Valuation is based upon quoted prices for identical instruments traded in active markets.
	Level 2-           Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market.
	Level 3-           Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect our own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flow models and similar techniques. The results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability.
	We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820 requires us to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.
	The following is a description of valuation methodologies used for assets measured at fair value on a recurring basis.
	Securities available-for-sale
	Our available-for-sale portfolio is carried at estimated fair value on a recurring basis, with any unrealized gains and losses, net of taxes, reported as accumulated other comprehensive income/loss in stockholders’ equity. Our securities available-for-sale portfolio consists of U.S. government and government-sponsored enterprise obligations, municipal bonds, and mortgage-backed securities. The fair values of these securities are obtained from an independent nationally recognized pricing service. Our independent pricing service provides us with prices which are categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the securities in our portfolio.
	Derivative financial instruments
	The Company uses interest rate floors to manage its interest rate risk. The valuation of these instruments is based on a third party value of interest rate derivative contracts which are based on the fair market value using market prices provided from brokers trading in such instruments, less their carrying value. The carrying value is the price paid for the derivative contracts less prior amortization of the price paid. There are no remaining derivative financial instruments at September 30, 2013.
	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a recurring basis at September 30, 2013 and 2012:
			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,556	$	—		$	1,556	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			9,401		—			9,401		—
	Mortgage-backed securities - commercial			4,002		—			4,002		—
	Private label mortgage-backed securities - residential			815		—			815		—
	Total securities available for sale		$	15,774	$	—		$	15,774	$	—
			Fair Value at September 30, 2012
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,861	$	—		$	1,861	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			8,575		—			8,575		—
	Mortgage-backed securities - commercial			4,228		—			4,228		—
	Debt securities			1,067		—			1,067		—
	Private label mortgage-backed securities - residential			1,055		—			1,055		—
	Total securities available for sale		$	16,786	$	—		$	16,786	$	—
	The following is a description of valuation methodologies used for assets measured at fair value on a non-recurring basis.
	Mortgage Servicing Rights
	Mortgage Servicing Rights (MSR’s) are carried at the lower of amortized cost or estimated fair value. The estimated fair value of MSRs is determined through a calculation of future cash flows, incorporating estimates of assumptions market participants would use in determining fair value including market discount rates, prepayment speeds, servicing income, servicing costs, default rates and other market driven data, including the market’s perception of future interest rate movements and, as such, are classified as Level 3. No valuation write-downs were made to MSR’s during the years ended September 30, 2013 and 2012.
	Impaired Loans
	Loans which meet certain criteria are evaluated individually for impairment. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. All amounts due according to the contractual terms means that both the contractual interest and principal payments of a loan will be collected as scheduled in the loan agreement. Three impairment measurement methods are used, depending upon the collateral securing the asset: 1) the present value of expected future cash flows discounted at the loan’s effective interest rate (the rate of return implicit in the loan); 2) the asset’s observable market price; or 3) the fair value of the collateral if the asset is collateral dependent. The regulatory agencies require this method for loans from which repayment is expected to be provided solely by the underlying collateral. Our impaired loans are generally collateral dependent and, as such, are carried at the estimated fair value of the collateral less estimated selling costs. Fair value is estimated through current appraisals, and adjusted as necessary, by management, to reflect current market conditions and, as such, are generally classified as Level 3.
	Appraisals of collateral securing impaired loans are conducted by approved, qualified, and independent third-party appraisers. Such appraisals are ordered via the Bank’s credit administration department, independent from the lender who originated the loan, once the loan is deemed impaired, as described in the previous paragraph. Impaired loans are generally re-evaluated with an updated appraisal within one year of the last appraisal. However, the Company also obtains updated appraisals on performing construction loans that are approaching their maturity date to determine whether or not the fair value of the collateral securing the loan remains sufficient to cover the loan amount prior to considering an extension. The Company discounts the appraised “as is” value of the collateral for estimated selling and disposition costs and compares the resulting fair value of collateral to the outstanding loan amount. If the outstanding loan amount is greater than the discounted fair value, the Company requires a reduction in the outstanding loan balance or additional collateral before considering an extension to the loan. If the borrower is unwilling or unable to reduce the loan balance or increase the collateral securing the loan, it is deemed impaired and the difference between the loan amount and the fair value of collateral, net of estimated selling and disposition costs, is charged off through a reduction of the allowance for loan loss.
	Other Real Estate Owned
	Other real estate owned is carried at lower of cost or estimated fair value less disposal costs. The estimated fair value of the real estate is determined through current appraisals, and adjusted as necessary, by management, to reflect current market conditions. As such, other real estate owned is generally classified as Level 3. Valuation write-downs totaling $42,000 were made to one properties held as other real estate owned during the year ended September 30, 2013. The property was written down based on an updated appraisal of the real estate.
	The following tables provide the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a non-recurring basis at September 30, 2013 and 2012:
			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	8,534	$	—		$	—	$	8,534
	Other real estate owned			230		—			—		230
			$	8,764	$	—		$	—	$	8,764
			Fair Value at September 30, 2012
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	5,984	$	—		$	—	$	5,984
	Other real estate owned			464		—			—		464
			$	6,448	$	—		$	—	$	6,448
	Impaired loans reported for the period ended September 30, 2013 consisted of 23 loans with aggregate loan balances of $11.6 million reduced by $2.7 million in cumulative charge-offs ($1.8 million in the current year) and $542,000 in specific loss reserves. These loans are all collateralized by real estate.
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Company has utilized Level 3 inputs to determine fair value:
	Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)
			Fair Value		Valuation
	30-Sep-13		Estimate		Techniques		Unobservable Input	Range (Weighted Average)
Impaired loans		$	8,534	Appraisal of		Liquidation expenses (2)	0% to -8.0% (-6.04%)
				collateral (1)
Other real estate owned		$	230	Appraisal of		Appraisal adjustments (2)	15.40%
				collateral (1), (3)
	-1	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
	-2	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
	-3	Includes qualitative adjustments by management and estimated liquidation expenses.
The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate fair value:
Cash and interest earning deposits with banks: The carrying amounts are a reasonable estimate of fair value.
Held to maturity securities: The fair values of our held to maturity securities are obtained from an independent nationally recognized pricing service. Our independent pricing service provides us with prices which are categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the securities in our portfolio.
Loans: Fair value for the loan portfolio, excluding impaired loans, is estimated based on discounted cash flow analysis using interest rates currently offered for loans with similar terms to borrowers of similar credit quality.
Bank-owned life insurance: The carrying amounts are based on the cash surrender values of the individual policies, which is a reasonable estimate of fair value.
Deposits: The fair value of savings deposits with no stated maturity, such as money market deposit accounts, interest-bearing checking accounts and savings accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate currently offered by the Bank for deposits of similar size, type and maturity.
Accrued interest receivable and payable: For these short-term instruments, the carrying amount is a reasonable estimate of fair value.
Federal Home Loan Bank of New York advances and securities sold under reverse repurchase agreements: The fair value of borrowings is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate currently offered by the Federal Home Loan Bank of New York for borrowings of similar maturity and terms.
Interest rate derivatives: The third party value of interest rate derivative contracts are based on the fair market value using market prices provided from brokers trading in such instruments, less their carrying value. The carrying value is the price paid for the derivative contracts less prior amortization of the price paid.
The fair value of commitments to extend credit is estimated based on the amount of unamortized deferred loan commitment fees. The fair value of letters of credit is based on the amount of unearned fees plus the estimated cost to terminate the letters of credit. Fair values of unrecognized financial instruments including commitments to extend credit and the fair value of letters of credit are considered immaterial.
The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments carried at cost or amortized cost as of September 30, 2013 and September 30, 2012. This table excludes financial instruments for which the carrying amount approximates fair value. For short-term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For financial liabilities such as interest-bearing demand, NOW, and money market savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity.
		Carrying		Fair			Fair Value Measurement Placement
		Value		Value			(Level 1)		(Level 2)		(Level 3)
		(Dollars in thousands)
30-Sep-13
Financial instruments - assets
Investment securities held-to-maturity		$	52,558	$	51,802		$	—	$	51,802	$	—
Loans			396,800		401,064			—		—		401,064
Financial instruments - liabilities
Certificate of deposit			153,841		155,306			—		155,306		—
Borrowings			32,100		33,430			—		33,430		—
30-Sep-12
Financial instruments - assets
Investment securities held-to-maturity		$	41,068	$	42,130			—	$	42,130	$	—
Loans			385,270		396,111			—		—		396,111
Financial instruments - liabilities
Certificate of deposit			158,461		160,753			—		160,753		—
Borrowings			41,503		43,898			—		43,898		—

REGULATORY_CAPITAL

REGULATORY CAPITAL

12 Months Ended

Sep. 30, 2013

Banking and Thrift [Abstract]

'

REGULATORY CAPITAL

'

NOTE S - REGULATORY CAPITAL

The Company and Bank are required to maintain minimum amounts of capital to total “risk-weighted” assets, as defined by the banking regulators. Failure to meet minimum capital requirements can initiate certain mandatory and possibly discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and Bank’s assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification 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 Company and Bank to maintain minimum ratios of Leverage Capital, Tier I and Total Risk-based Capital. The following table sets forth the Company’s and the Bank’s actual and required capital levels under those measures:

To be well-capitalized

For capital

under prompt corrective

Actual

adequacy purposes

action provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of September 30, 2013

Total Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

48,948

13.24%

29,584

>  8.00%

N/A

N/A

Magyar Bank

46,313

12.52%

29,582

>  8.00%

36,977

>  10.00%

Tier 1 Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

45,935

12.42%

14,792

>  4.00%

N/A

N/A

Magyar Bank

43,300

11.71%

14,791

>  4.00%

22,186

>    6.00%

Tier 1 Capital (to average assets)

Magyar Bancorp, Inc.

45,935

8.61%

21,341

>  4.00%

N/A

N/A

Magyar Bank

43,300

8.12%

21,340

>  4.00%

26,676

>    5.00%

As of September 30, 2012

Total Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

49,439

13.93%

28,402

>  8.00%

N/A

N/A

Magyar Bank

46,897

13.21%

28,400

>  8.00%

35,500

>  10.00%

Tier 1 Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

45,581

12.84%

14,201

>  4.00%

N/A

N/A

Magyar Bank

43,039

12.12%

14,200

>  4.00%

21,300

>    6.00%

Tier 1 Capital (to average assets)

Magyar Bancorp, Inc.

45,581

8.90%

20,492

>  4.00%

N/A

N/A

Magyar Bank

43,039

8.40%

20,491

>  4.00%

25,614

>    5.00%

On April 22, 2010, Magyar Bank entered into Consent Order agreements with the Federal Deposit Insurance Corporation and the New Jersey Department of Banking and Insurance which required the Bank to develop a written capital plan that details the manner in which the Bank will achieve a Tier 1 capital as a percentage of the Bank's total assets of at least 8.0%, and total qualifying capital as a percentage of risk-weighted assets of at least 12.0%.

On March 2, 2012 the Bank was informed in writing by the Federal Deposit Insurance Corporation and the New Jersey Department of Banking and Insurance, that the Consent Order had been terminated. The Bank is required to maintain Tier 1 capital as a percentage of the Bank's total assets of at least 8.0%, and total qualifying capital as a percentage of risk-weighted assets of at least 12.0%. As of September 30, 2013, Magyar Bank’s Tier 1 capital as a percentage of the Bank's total assets was 8.12% and the total qualifying capital as a percentage of risk-weighted assets was 12.52%.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Basis of Financial Statement Presentation	'
	1. Basis of Financial Statement Presentation
	The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (US GAAP) and predominant practices within the banking industry. The financial statements include the accounts of the Company and its wholly owned subsidiary, the Bank, and its wholly-owned subsidiaries MagBank Investment Company, Magyar Service Corporation, and Hungaria Urban Renewal, LLC. All intercompany balances and transactions have been eliminated in the financial statements.
	The Company has evaluated subsequent events and transactions occurring subsequent to the consolidated balance sheet date of September 30, 2013, for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued.
	In preparing financial statements in conformity with US GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, the 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.
	The principal estimates that are particularly susceptible to significant change in the near term relate to the allowance for loan losses and the deferred tax asset. The evaluation of the adequacy of the allowance for loan losses includes an analysis of the individual loans and overall risk characteristics and size of the different loan portfolios, and takes into consideration current economic and market conditions, the capability of specific borrowers to pay specific loan obligations, as well as current loan collateral values. However, actual losses on specific loans, which also are encompassed in the analysis, may vary from estimated losses.
	The Company records income taxes using the asset and liability method. Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled.
	Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period of enactment. The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.
Cash and Cash Equivalents	'
	2. Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, time deposits with original maturities less than three months and overnight deposits.
Investment Securities	'
	3. Investment Securities
	The Company classifies its investment securities into one of three portfolios: held to maturity, available for sale or trading. Investments in debt securities that we have the positive intent and ability to hold to maturity are classified as held to maturity securities and reported at amortized cost. Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized holding gains and losses included in earnings. Debt and equity securities not classified as trading securities or as held to maturity securities are classified as available for sale securities and reported at fair value, with unrealized holding gains or losses, net of deferred income taxes, reported in the accumulated other comprehensive income (“AOCI”) component of stockholders’ equity.
	If the fair value of a security is less than its amortized cost, the security is deemed to be impaired. Management evaluates all securities with unrealized losses quarterly to determine if such impairments are “temporary” or “other-than-temporary” in accordance with applicable accounting guidance. The Company accounts for temporary impairments based upon security classification as either available for sale, held to maturity or trading. Temporary impairments on “available for sale” securities are recognized, on a tax-effected basis, through AOCI with offsetting entries adjusting the carrying value of the security and the balance of deferred taxes. Conversely, the Company does not adjust the carrying value of “held to maturity” securities for temporary impairments, although information concerning the amount and duration of impairments on held to maturity securities is generally disclosed in periodic financial statements. The carrying value of securities held in a trading portfolio is adjusted to their fair value through earnings on a daily basis. However, the Company maintained no securities in trading portfolios at or during the periods presented in these financial statements.
	The Company accounts for other-than-temporary impairments based upon several considerations. First, other-than-temporary impairments on securities that the Company has decided to sell as of the close of a fiscal period, or will, more likely than not, be required to sell prior to the full recovery of the their fair value to a level equal to or exceeding their amortized cost, are recognized in operations. If neither of these criteria apply, then the other-than-temporary impairment is separated into credit-related and noncredit-related components. The credit-related impairment generally represents the amount by which the present value of the cash flows that are expected to be collected on an other-than-temporarily impaired security fall below its amortized cost while the noncredit-related component represents the remaining portion of the impairment not otherwise designated as credit-related. The Company recognizes credit-related, other-than-temporary impairments in earnings, while noncredit-related, other-than-temporary impairments on debt securities are recognized, net of deferred taxes, in AOCI.
	Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to purchase and hold restricted stock of its district FHLB according to a predetermined formula. This stock is restricted in that it may only be sold to the FHLB and all sales must be at par. Accordingly, the FHLB restricted stock is carried at cost, less any applicable impairment charges.
	Premiums and discounts on all securities are amortized or accreted to maturity by use of the level-yield method considering the impact of principal amortization and prepayments on mortgage-backed securities. Gain or loss on sales of securities is recognized on the specific identification method.
Loans and Allowance for Loan Losses	'
	4. Loans and Allowance for Loan Losses
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at the amount of unpaid principal, adjusted for net deferred loan fees and costs, and reduced by an allowance for loan losses. Interest on loans is accrued and credited to operations based upon the principal amounts outstanding. The allowance for loan losses is established through a provision for possible loan losses charged to operations. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely.
	Income recognition of interest is discontinued when, in the opinion of management, the collectability of such interest becomes doubtful. A loan is generally classified as non-accrual when the scheduled payment(s) due on the loan is delinquent for more than three months. Loan origination fees and certain direct origination costs are deferred and amortized over the life of the related loans as an adjustment to the yield on loans receivable using the effective interest method.
	Management uses a ten point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than three months past due are considered Substandard. Any portion of a loan that has been charged off is placed in the Loss category.
	To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight.  Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as severe delinquency, bankruptcy, repossession, or death occurs to raise awareness of a possible credit event. The Bank’s Commercial Loan Officers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. The Asset Review Committee performs monthly reviews of all commercial relationships internally rated 6 (“Watch”) or worse.  Confirmation of the appropriate risk grade is performed by an external loan review company that semi-annually reviews and assesses loans within the portfolio.  Generally, the external consultant reviews commercial relationships greater than $500,000 and/or criticized relationships greater than $250,000. Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a monthly basis.
	The allowance for loan losses is maintained at an amount management deems adequate to cover estimated losses. In determining the level to be maintained, management evaluates many factors, including current economic trends, industry experience, historical loss experience, industry loan concentrations, the borrowers’ ability to repay and repayment performance, and estimated collateral values. In the opinion of management, the present allowance is adequate to absorb reasonable, foreseeable loan losses. While management uses the best information available to make such evaluations, future adjustments to the allowance may be necessary based on changes in economic conditions or any of the other factors used in management’s determination. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for losses on loans. Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. Charge-offs to the allowance are made when the loan is transferred to other real estate owned or other determination of a confirmed loss. Recoveries on loans previously charged off are also recorded through the allowance.
	A loan is considered impaired when, based upon current information and events, it is probable that a creditor will be unable to collect all amounts due including principal and interest, according to the contractual terms of the loan agreement. The Company measures impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or as a practical expedient, at the loan’s current observable market price, or the fair value of the collateral if the loan is collateral dependent. The amount by which the recorded investment of an impaired loan exceeds the measurement value is recognized by creating a valuation allowance through a charge to the provision for loan losses. Impairment criteria generally do not apply to those smaller-balance homogeneous loans that are collectively evaluated for impairment which for the Company includes one- to four-family first mortgage loans and consumer loans, other than those modified in a troubled debt restructuring.
	The Company records cash receipts on impaired loans that are non-performing as a reduction to principal before applying amounts to interest or late charges unless specifically directed by the Bankruptcy Court to apply payments otherwise. The Company continues to recognize interest income on impaired loans where there is no confirmed loss.
Premises and Equipment	'
	5. Premises and Equipment
	Premises and equipment are carried at cost less accumulated depreciation, and include capitalized expenditures for new facilities, major betterments and renewals. Expenditures for maintenance and repairs are charged to expense as incurred. Depreciation is computed using the straight-line method based upon the estimated useful lives of the related assets for financial reporting purposes and using the mandated methods by asset type for income tax purposes. Leasehold improvements are depreciated using the straight-line method based upon the initial term of the lease.
	The Company accounts for the impairment of long-lived assets in accordance with US GAAP, which requires recognition and measurement for the impairment of long-lived assets to be held and used or to be disposed of by sale. The Company had no impaired long-lived assets at September 30, 2013 and 2012
Derivative Contracts	'
	6. Derivative Contracts
	Derivative contracts are carried at fair value with unrealized gains and losses excluded from earnings and reported in a separate component of stockholders’ equity, net of related income tax effects. Gains and losses on derivative contracts are recognized upon realization utilizing the specific identification method.
	As required by US GAAP, the Company recognizes all derivatives as either assets or liabilities in the statement of financial condition and measures those instruments at fair value.
Other Real Estate Owned	'
	7. Other Real Estate Owned
	Real estate acquired through foreclosure, or a deed-in-lieu of foreclosure, is recorded at fair value less estimated selling costs at the date of acquisition or transfer, and subsequently at the lower of its new cost or fair value less estimated selling costs. Adjustments to the carrying value at the date of acquisition or transfer are charged to the allowance for loan losses. The carrying value of the individual properties is subsequently adjusted to the extent it exceeds estimated fair value less estimated selling costs, at which time a provision for losses on such real estate is charged to operations.
	Operating expenses of holding real estate, net of related income, are charged against income as incurred. Gains on sales of real estate are recognized, normally at closing, when down payment and certain other requirements are met; otherwise such gains are deferred and recognized on the installment method of accounting. Losses on the disposition of real estate, including expenses incurred in connection with the disposition, are charged to operations.
Income Taxes	'
	8. Income Taxes
	The Company and its subsidiaries file consolidated federal and individual state income tax returns. Income taxes are allocated based on the contribution of their respective income or loss to the consolidated income tax return.
	The Company records income taxes on the basis of reported income using the asset and liability method. Accordingly, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis. To the extent that current available evidence about the future raises doubt about the realization of a deferred tax asset, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.
	The Company follows the provisions of FASB ASC Topic 740, which provides clarification on accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. The guidance prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return, and also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. At September 30, 2013 and 2012, no significant income tax uncertainties have been included in the Company’s Consolidated Balance Sheets. The Company’s policy is to recognize interest and penalties on unrecognized tax benefits in income tax expense in the Consolidated Statements of Operations. No interest and penalties were recorded during the years ended September 30, 2013 and 2012. The tax years subject to examination by the taxing authorities are the years ended September 30, 2008 and forward.
Advertising Costs	'
	9. Advertising Costs
	The Company expenses advertising costs as incurred.
Earnings Per Share	'
	10. Earnings Per Share
	Basic income per share is calculated by dividing income available to common stockholders by the weighted average number of shares of common stock outstanding for the period. The weighted average common shares outstanding include shares held by the Magyar Bancorp, MHC and shares allocated to the Employee Stock Ownership Plan.
	Diluted income per share is calculated by adjusting the weighted average common shares outstanding to reflect the potential dilution that could occur using the treasury stock method if securities or other contracts to issue common stock, such as stock options and unvested restricted stock, were exercised and converted into common stock. The resulting shares issued would share in the earnings of the Company. Shares issued and shares reacquired during the period are weighted for the portion of the period that they were outstanding. In periods of loss, dilution is not calculated and diluted loss per share is equal to basic loss per share.
	The following tables illustrate the reconciliation of the numerators and denominators of the basic and diluted earnings per share (EPS) calculations. All options were anti-dilutive at September 30, 2012.
			For the Years Ended September 30,
			2013									2012
						Weighted			Per						Weighted			Per
						average			share						average			share
			Income			shares			Amount			Income			shares			Amount
			(In thousands, except share and per share data)
	Basic EPS
	Net income available to common shareholders		$	262			5,810,910		$	0.05		$	509			5,810,294		$	0.09
	Effect of dilutive securities
	Options and grants			—			863			—			—			—			—
	Diluted EPS
	Net income available to common shareholders plus assumed conversion		$	262			5,811,773		$	0.05		$	509			5,810,294		$	0.09
Comprehensive Income and Accumulated Other Comprehensive Income	'
	11	Comprehensive Income and Accumulated Other Comprehensive Income
	Comprehensive income includes net income as well as certain other items which result in a change to equity during the period.
	The other items allocated to comprehensive income, as well as the related income tax effects, for the years ended September 30, 2013 and 2012 were as follows:
			September 30,
			2013									2012
						Tax			Net of						Tax			Net of
			Before Tax			(Benefit)			Tax			Before Tax			(Benefit)			Tax
			Amount			Expense			Amount			Amount			Expense			Amount
			(Dollars in thousands)
	Unrealized holding gains (losses) arising
	during period on:
	Available-for-sale investments		$	(544	)	$	197		$	(347	)	$	276		$	(116	)	$	160
	Less reclassification adjustment for net gains
	realized on available-for-sale investments (a) (b)			(121	)		48			(73	)		(286	)		114			(172	)
	Defined benefit pension plan			697			(278	)		419			(222	)		89			(133	)
	Interest rate derivatives			(54	)		21			(33	)		(87	)		35			(52	)
	Other comprehensive gain (loss), net		$	(22	)	$	(12	)	$	(34	)	$	(319	)	$	122		$	(197	)
	(a)	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying  Consolidated Statements of Operations
	(b)	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations
	The components of accumulated other comprehensive loss at September 30, 2013 and 2012 were as follows:
			September 30,
			2013			2012
			(Dollars in thousands)
	Available-for-sale investments		$	(114	)	$	306
	Defined benefit pension plan			(524	)		(943	)
	Interest rate derivatives			—			33
	Total accumulated other comprehensive loss		$	(638	)	$	(604	)
Bank-Owned Life Insurance	'
	12	Bank-Owned Life Insurance
	The Company has purchased Bank-Owned Life Insurance policies (“BOLI”). BOLI involves the purchasing of life insurance by the Company on directors and executive officers. The proceeds are used to help defray the costs of non-qualified compensation plans. The Company is the owner and beneficiary of the policies. BOLI is recorded on the consolidated Balance Sheet at its cash surrender value and changes in the cash surrender value are recorded in non-interest income.
Segment Reporting	'
	13	Segment Reporting
	The Company acts as an independent, community, financial services provider, and offers traditional banking and related financial services to individual, business and government customers. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services.
	Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial and retail operations of the Company. As such, discrete financial information is not available and segment reporting would not be meaningful.
New Accounting Pronouncements	'
		14	New Accounting Pronouncements
	In connection with the preparation of quarterly and annual reports in accordance with the Securities and Exchange Commission’s (SEC) Securities Exchange Act of 1934, SEC Staff Accounting Bulletin Topic 11.M requires the disclosure of the impact that recently issued accounting standards will have on financial statements when they are adopted in the future.
	The FASB issued ASU 2011-04, Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs, to amend FASB ASC Topic 820, Fair Value Measurements, to bring U.S. GAAP for fair value measurements in line with International Accounting Standards. The ASU clarifies existing guidance for items such as: the application of the highest and best use concept to non-financial assets and liabilities; the application of fair value measurement to financial instruments classified in a reporting entity’s stockholder’s equity; and disclosure requirements regarding quantitative information about unobservable inputs used in the fair value measurements of level 3 assets. The ASU also creates an exception to Topic 820 for entities which carry financial instruments within a portfolio or group, under which the entity is now permitted to base the price used for fair valuation upon a price that would be received to sell the net asset position or transfer a net liability position in an orderly transaction. The ASU also allows for the application of premiums and discounts in a fair value measurement if the financial instrument is categorized in level 2 or 3 of the fair value hierarchy. Lastly, the ASU contains new disclosure requirements regarding fair value amounts categorized as level 3 in the fair value hierarchy such as: disclosure of the valuation process used; effects of and relationships between unobservable inputs; usage of nonfinancial assets for purposes other than their highest and best use when that is the basis of the disclosed fair value; and categorization by level of items disclosed at fair value, but not measured at fair value for financial statement purposes. This ASU was effective for interim and annual periods beginning after December 15, 2011. The updates to Topic 820 did not have a material impact on the Company’s consolidated financial statements.
	In February 2013, the FASB issued ASU No. 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income,” to improve the transparency of reporting these reclassifications. ASU No. 2013-02 does not amend any existing requirements for reporting net income or other comprehensive income in the financial statements. ASU No. 2013-02 requires an entity to disaggregate the total change of each component of other comprehensive income and separately present reclassification adjustments and current period other comprehensive income. The provisions of ASU No. 2013-02 also require that entities present in a single note or parenthetically on the face of the financial statements, the effect of significant amounts reclassified from each component of accumulated other comprehensive income based on its source and the income statement line item affected by the reclassification. If a component is not required to be reclassified to net income in its entirety, entities would instead cross-reference to the related note to the financial statements for additional information. The Company adopted the provisions of ASU No. 2013-02 effective January 1, 2013. As the Company provided these required disclosures in the notes to the Consolidated Financial Statements, the adoption of ASU No. 2013-02 had no impact on the Company’s consolidated statements of income and condition. See Note B. 11 to the Consolidated Financial Statements for the disclosures required by ASU No. 2013-02.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Schedule of reconciliation of the numerators and denominators of basic and diluted earnings per share	'
	The following tables illustrate the reconciliation of the numerators and denominators of the basic and diluted earnings per share (EPS) calculations. All options were anti-dilutive at September 30, 2012.
			For the Years Ended September 30,
			2013									2012
						Weighted			Per						Weighted			Per
						average			share						average			share
			Income			shares			Amount			Income			shares			Amount
			(In thousands, except share and per share data)
	Basic EPS
	Net income available to common shareholders		$	262			5,810,910		$	0.05		$	509			5,810,294		$	0.09
	Effect of dilutive securities
	Options and grants			—			863			—			—			—			—
	Diluted EPS
	Net income available to common shareholders plus assumed conversion		$	262			5,811,773		$	0.05		$	509			5,810,294		$	0.09
Schedule of other items allocated to comprehensive income (loss)	'
	The other items allocated to comprehensive income, as well as the related income tax effects, for the years ended September 30, 2013 and 2012 were as follows:
			September 30,
			2013									2012
						Tax			Net of						Tax			Net of
			Before Tax			(Benefit)			Tax			Before Tax			(Benefit)			Tax
			Amount			Expense			Amount			Amount			Expense			Amount
			(Dollars in thousands)
	Unrealized holding gains (losses) arising
	during period on:
	Available-for-sale investments		$	(544	)	$	197		$	(347	)	$	276		$	(116	)	$	160
	Less reclassification adjustment for net gains
	realized on available-for-sale investments (a) (b)			(121	)		48			(73	)		(286	)		114			(172	)
	Defined benefit pension plan			697			(278	)		419			(222	)		89			(133	)
	Interest rate derivatives			(54	)		21			(33	)		(87	)		35			(52	)
	Other comprehensive gain (loss), net		$	(22	)	$	(12	)	$	(34	)	$	(319	)	$	122		$	(197	)
	(a)	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying  Consolidated Statements of Operations
	(b)	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations
Schedule of components of accumulated other comprehensive loss	'
	The components of accumulated other comprehensive loss at September 30, 2013 and 2012 were as follows:
			September 30,
			2013			2012
			(Dollars in thousands)
	Available-for-sale investments		$	(114	)	$	306
	Defined benefit pension plan			(524	)		(943	)
	Interest rate derivatives			—			33
	Total accumulated other comprehensive loss		$	(638	)	$	(604	)

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Sep. 30, 2013
Stock-Based Compensation Tables	'
Schedule of entity's stock option activity and related information	'
	The following is a summary of the status of the Company’s stock option activity and related information for its option plan for the two-year period ended September 30, 2013:
							Weighted
					Weighted		Average		Aggregate
		Number of			Average		Remaining		Intrinsic
		Stock Options			Exercise Price		Contractual Life		Value
	Balance at September 30, 2011		188,276		$	14.61		5.4 years	$	—
	Granted		—			—
	Exercised		—			—
	Forfeited		—		$	—
	Balance at September 30, 2012		188,276		$	14.61		4.4 years	$	—
	Granted		—			—
	Exercised		—			—
	Forfeited		—			—
	Balance at September 30, 2013		188,276		$	14.61		3.4 years	$	—
	Exercisable at September 30, 2013		188,276		$	14.61		3.4 years	$	—
Summary of non-vested restricted shares	'
	The following is a summary of the status of the Company’s non-vested restricted shares as of September 30, 2013 and 2012, and changes during those years:
					Weighted
					Average
		Number of			Grant Date
		Stock Awards			Fair Value
	Balance at September 30, 2011		33,145		$	9.22
	Granted		—			—
	Vested		(19,743	)		12.48
	Forfeited		—			—
	Balance at September 30, 2012		13,402			4.43
	Granted		—			—
	Vested		(4,050	)		4.44
	Forfeited		—			—
	Balance at September 30, 2013		9,352		$	4.42
Schedule of the components of the ESOP shares	'
	The following table presents the components of the ESOP shares as of September 30, 2013:
	Unreleased shares at September 30, 2012		114,318
	Shares released for allocation during the year ended September 30, 2013		(12,445	)
	Unreleased shares at September 30, 2013		101,873
	Total released shares		115,990
	Total ESOP shares		217,863

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Sep. 30, 2013
Investment Securities Tables	'
Schedule amortized cost, gross unrealized gians or losses and fair values of investment securities available for sale and held to maturity	'
	The unamortized cost, gross unrealized gains or losses and fair value of the Company’s investment securities available-for-sale and held-to-maturity are as follows:
			30-Sep-13
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities available-for-sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,551	$	5	$	—		$	1,556
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			9,633		9		(241	)		9,401
	Mortgage-backed securities - commercial			3,963		39		—			4,002
	Private label mortgage-backed securities - residential			808		9		(2	)		815
	Total securities available-for-sale			15,955		62		(243	)		15,774
			30-Sep-13
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities held-to-maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	9,455	$	231	$	(121	)	$	9,565
	Mortgage-backed securities - commercial			1,433		—		(3	)		1,430
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			33,758		363		(975	)		33,146
	Debt securities			4,000		—		(267	)		3,733
	Private label mortgage-backed securities - residential			901		27		(11	)		917
	Obligations of state and political subdivisions			11		—		—			11
	Corporate securities			3,000		—		—			3,000
	Total securities held-to-maturity			52,558		621		(1,377	)		51,802
			At September 30, 2012
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities available-for-sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,850	$	11	$	—		$	1,861
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			8,368		207		—			8,575
	Mortgage-backed securities - commercial			4,053		175		—			4,228
	Debt securities			1,000		67		—			1,067
	Private label mortgage-backed securities - residential			1,031		25		(1	)		1,055
	Total securities available-for-sale		$	16,302	$	485	$	(1	)	$	16,786
			At September 30, 2012
					Gross		Gross
			Amortized		Unrealized		Unrealized			Fair
			Cost		Gains		Losses			Value
			(Dollars in thousands)
	Securities held-to-maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	10,790	$	414	$	(8	)	$	11,196
	Mortgage-backed securities - commercial			1,522		14		—			1,536
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			18,578		722		(5	)		19,295
	Debt securities			5,770		6		—			5,776
	Private label mortgage-backed securities - residential			1,367		27		—			1,394
	Obligations of state and political subdivisions			41		1		—			42
	Corporate securities			3,000		—		(109	)		2,891
	Total securities held-to-maturity		$	41,068	$	1,184	$	(122	)	$	42,130
Schedule of maturities of the debt securities and mortgage-backed securities available-for-sale and held to maturity	'
	The contractual maturities of mortgage-backed securities generally exceed 10 years; however, the effective lives are expected to be shorter due to anticipated prepayments. The amortized cost and fair value of the Company’s securities available-for-sale at September 30, 2013 are summarized in the following table:
			30-Sep-13
			Amortized		Fair
			Cost		Value
	Total debt securities		$	—	$	—
	Mortgage-backed securities:
	Residential(1)			11,992		11,772
	Commercial(2)			3,963		4,002
	Total		$	15,955	$	15,774
		-1	Available-for-sale mortgage-backed securities – residential include an amortized cost of $1.6 million and a fair value of $1.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $9.6 million and a fair value of $9.4 million. Also included are residential mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $808,000 and fair value of $815,000.
		-2	Available-for-sale mortgage-backed securities – commercial include an amortized cost of $4.0 million and a fair value of $4.0 million for obligations of U.S. government-sponsored enterprises issued by the Federal National Mortgage Association.
	The maturities of the debt securities and the mortgage-backed securities held to maturity at September 30, 2013 are summarized in the following table:
			30-Sep-13
			Amortized		Fair
			Cost		Value
	Due within 1 year		$	11	$	11
	Due after 1 but within 5 years			3,000		3,000
	Due after 5 but within 10 years			1,000		921
	Due after 10 years			3,000		2,812
	Total debt securities			7,011		6,744
	Mortgage-backed securities:
	Residential(1)			44,114		43,628
	Commercial(2)			1,433		1,430
	Total		$	52,558	$	51,802
		-1	Held-to-maturity mortgage-backed securities – residential include an amortized cost of $9.5 million and a fair value of $9.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $33.8 million and a fair value of $33.1 million. Also included are mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $901,000 and a fair value of $917,000.
		-2	Held-to-maturity mortgage-backed securities – commercial include an amortized cost of $1.4 million and a fair value of $1.4 million for obligations of U.S. government agencies issued by the Small Business Administration.
Schedule of securities with unrealized losses	'
	Details of securities with unrealized losses at September 30, 2013 and 2012 are as follows:
					30-Sep-13
					Less Than 12 Months					12 Months Or Greater					Total
			Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
			Securities		Value		Losses			Value		Losses			Value		Losses
					(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential			3	$	1,887	$	(57	)	$	1,099	$	(64	)	$	2,986	$	(121	)
	Mortgage-backed securities - commercial			1		1,430		(3	)		—		—			1,430		(3	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential			22		30,638		(1,202	)		626		(14	)		31,264		(1,216	)
	Debt securities			4		3,732		(267	)		—		—			3,732		(267	)
	Private label mortgage-backed securities - residential			2		396		(11	)		21		(2	)		417		(13	)
	Corporate securities			1		3,000		—			—		—			3,000		—
	Total			33	$	41,083	$	(1,540	)	$	1,746	$	(80	)	$	42,829	$	(1,620	)
					30-Sep-12
					Less Than 12 Months					12 Months Or Greater					Total
			Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
			Securities		Value		Losses			Value		Losses			Value		Losses
					(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential			1	$	—	$	—		$	1,729	$	(8	)	$	1,729	$	(8	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential			1		1,143		(5	)		—		—			1,143		(5	)
	Private label mortgage-backed securities - residential			3		—		—			26		(1	)		26		(1	)
	Corporate securities			1		—		—			2,891		(109	)		2,891		(109	)
	Total			6	$	1,143	$	(5	)	$	4,646	$	(118	)	$	5,789	$	(123	)
	The investment securities listed above currently have fair values less than amortized cost and therefore contain unrealized losses. The Company evaluated these securities and determined that the decline in value was primarily related to fluctuations in the interest rate environment and were not related to any company or industry specific event.
	The Company anticipates full recovery of amortized costs with respect to these securities. The Company does not intend to sell these securities and has determined that it is not more likely than not that the Company would be required to sell these securities prior to maturity or market price recovery. Management has considered factors regarding other than temporarily impaired securities and determined that there are no securities with impairment that is other than temporary as of September 30, 2013 and 2012.

LOANS_RECEIVABLE_NET_Tables

LOANS RECEIVABLE, NET (Tables)	12 Months Ended
	Sep. 30, 2013
Loans Receivable Net Tables	'
Schedule of net Loans	'
	Loans receivable are comprised of the following:
		September 30,			September 30,
		2013			2012
		(Dollars in thousands)
	One-to four-family residential	$	152,977		$	157,536
	Commercial real estate		163,368			148,806
	Construction		16,749			17,952
	Home equity lines of credit		20,349			23,435
	Commercial business		34,492			29,930
	Other		11,631			11,265
	Total loans receivable		399,566			388,924
	Net deferred loan costs		247			204
	Allowance for loan losses		(3,013	)		(3,858	)
	Total loans receivable, net	$	396,800		$	385,270
Schedule of impaired loans	'
	The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods presented:
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
	At and for the year ended	Recorded			Related			Recorded			Recorded			Principal
	30-Sep-13	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	6,192		$	513		$	8,478		$	14,670		$	15,631
	Commercial real estate		421			7			5,599			6,020			7,179
	Construction		600			11			2,896			3,496			4,953
	Home equity lines of credit		—			—			1,027			1,027			1,268
	Commercial business		11			11			84			95			116
	Other		—			—			—			—			—
	Total impaired loans	$	7,224		$	542		$	18,084		$	25,308		$	29,147
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
	At and for the year ended	Recorded			Related			Recorded			Recorded			Principal
	30-Sep-12	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	—		$	—		$	7,124		$	7,124		$	7,594
	Commercial real estate		3,999			798			2,425			6,424			7,204
	Construction		—			—			5,141			5,141			6,927
	Home equity lines of credit		1,340			122			967			2,307			2,475
	Commercial business		—			—			57			57			57
	Other		12			12			—			12			12
	Total impaired loans	$	5,351		$	932		$	15,714		$	21,065		$	24,269
Schedule of loan portfolio summarized by Bank's internal risk rating system	'
	The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system for the period presented:
					Special
		Pass			Mention			Substandard			Doubtful			Total
		(Dollars in  thousands)
	30-Sep-13
	One-to four-family residential	$	141,881		$	346		$	10,750		$	—		$	152,977
	Commercial real estate		156,511			1,128			5,729			—			163,368
	Construction		8,839			—			7,910			—			16,749
	Home equity lines of credit		17,988			—			2,361			—			20,349
	Commercial business		32,905			466			1,121			—			34,492
	Other		11,631			—			—			—			11,631
	Total	$	369,755		$	1,940		$	27,871		$	—		$	399,566
					Special
		Pass			Mention			Substandard			Doubtful			Total
		(Dollars in  thousands)
	30-Sep-12
	One-to four-family residential	$	146,487		$	3,925		$	7,124		$	—		$	157,536
	Commercial real estate		137,616			3,063			6,448			1,679			148,806
	Construction		8,274			4,537			5,141			—			17,952
	Home equity lines of credit		20,295			833			967			1,340			23,435
	Commercial business		26,057			3,151			722			—			29,930
	Other		11,253			—			12			—			11,265
	Total	$	349,982		$	15,509		$	20,414		$	3,019		$	388,924
Schedule of aging analysis of past due loans, segregated by class of loans	'
	The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans for the period presented:
					30-59			60-89
					Days			Days			90 Days +			Total			Non-			Total
		Current			Past Due			Past Due			Past Due			Past Due			Accrual			Loans
		(Dollars in thousands)
	30-Sep-13
	One-to four-family residential	$	144,084		$	—		$	378		$	8,515		$	8,893		$	8,515		$	152,977
	Commercial real estate		160,624			—			—			2,744			2,744			2,744			163,368
	Construction		13,223			—			—			3,526			3,526			3,526			16,749
	Home equity lines of credit		19,253			250			—			846			1,096			846			20,349
	Commercial business		34,467			—			—			25			25			25			34,492
	Other		11,631			—			—			—			—			—			11,631
	Total	$	383,282		$	250		$	378		$	15,656		$	16,284		$	15,656		$	399,566
					30-59			60-89
					Days			Days			90 Days +			Total			Non-			Total
		Current			Past Due			Past Due			Past Due			Past Due			Accrual			Loans
		(Dollars in thousands)
	30-Sep-12
	One-to four-family residential	$	147,749		$	621		$	1,589		$	7,577		$	9,787		$	7,577		$	157,536
	Commercial real estate		141,674			—			708			6,424			7,132			6,424			148,806
	Construction		12,811			—			—			5,141			5,141			5,141			17,952
	Home equity lines of credit		22,353			160			59			863			1,082			863			23,435
	Commercial business		29,761			10			102			57			169			57			29,930
	Other		11,253			—			—			12			12			12			11,265
	Total	$	365,601		$	791		$	2,458		$	20,074		$	23,323		$	20,074		$	388,924
Schedule of activity in the allowance for loan losses by portfolio segment	'
	The following tables summarize the activity in the allowance for loan losses by loan category for the years ended September 30, 2013 and 2012:
		One-to Four-									Home Equity
		Family			Commercial						Lines of			Commercial
		Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
		(Dollars in  thousands)
	Balance - September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
	Charge-offs		(478	)		(576	)		(1,374	)		(13	)		(806	)		(13	)		—			(3,260	)
	Recoveries		—			20			284			—			—			—			—			304
	Provision		712			(521	)		1,054			(95	)		875			(1	)		86			2,111
	Balance-September 30, 2013	$	844		$	852		$	604		$	125		$	452		$	9		$	127		$	3,013
		One-to Four-									Home Equity
		Family			Commercial						Lines of			Commercial
		Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
		(Dollars in  thousands)
	Balance- September 30, 2011	$	734		$	1,266		$	1,043		$	101		$	551		$	13		$	104		$	3,812
	Charge-offs		(326	)		(110	)		(880	)		(81	)		(69	)		—			—			(1,466	)
	Recoveries		—			—			51			—			—			—			—			51
	Provision		202			773			426			212			(99	)		10			(63	)		1,461
	Balance - September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
	The following tables summarize the ALL by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2013 and September 30, 2012:
		One-to Four-									Home Equity
		Family			Commercial						Lines of			Commercial
		Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
		(Dollars in  thousands)
	Allowance for Loan Losses:
	Balance - September 30, 2013	$	844		$	852		$	604		$	125		$	452		$	9		$	127		$	3,013
	Individually evaluated
	for impairment		513			7			11			—			11			—			—			542
	Collectively evaluated
	for impairment		331			845			593			125			441			9			127			2,471
	Loans receivable:
	Balance - September 30, 2013	$	152,977		$	163,368		$	16,749		$	20,349		$	34,492		$	11,631					$	399,566
	Individually evaluated
	for impairment		14,670			6,020			3,496			1,027			95			—						25,308
	Collectively evaluated
	for impairment		138,307			157,348			13,253			19,322			34,397			11,631						374,258
		One-to Four-									Home Equity
		Family			Commercial						Lines of			Commercial
		Residential			Real Estate			Construction			Credit			Business			Other			Unallocated			Total
		(Dollars in  thousands)
	Allowance for Loan Losses:
	Balance- September 30, 2012	$	610		$	1,929		$	640		$	232		$	383		$	23		$	41		$	3,858
	Individually evaluated
	for impairment		—			798			—			122			—			12			—			932
	Collectively evaluated
	for impairment		610			1,131			640			110			383			11			41			2,926
	Loans receivable:
	Balance - September 30, 2012	$	157,536		$	148,806		$	17,952		$	23,435		$	29,930		$	11,265					$	388,924
	Individually evaluated
	for impairment		7,124			6,424			5,141			2,307			57			12						21,065
	Collectively evaluated
	for impairment		150,412			142,382			12,811			21,128			29,873			11,253						367,859
Schedule of troubled debt restructurings	'
	There were eight TDRs during the year ended September 30, 2013. These were classified as TDRs due to financial difficulty of the borrowers and lower than market interest rates. The following table summarizes the TDRs during the twelve month period ended September 30, 2013 and 2012:
		Year Ended September 30, 2013
		Number of			Investment Before			Investment After
		Loans			TDR Modification			TDR Modification
		(Dollars in thousands)
	One-to four-family residential		7		$	1,170		$	1,168
	Commercial real estate		1			693			995
	Construction		—			—			—
	Home equity lines of credit		—			—			—
	Commercial business		—			—			—
	Other		—			—			—
	Total		8		$	1,863		$	2,163
		Year Ended September 30, 2012
		Number of			Investment Before			Investment After
		Loans			TDR Modification			TDR Modification
		(Dollars in thousands)
	One-to four-family residential		6		$	2,336		$	2,336
	Commercial real estate		4			3,269			2,325
	Construction		—			—			—
	Home equity lines of credit		—			—			—
	Commercial business		—			—			—
	Other		—			—			—
	Total		10		$	5,605		$	4,661

ACCRUED_INTEREST_RECEIVABLE_Ta

ACCRUED INTEREST RECEIVABLE (Tables)	12 Months Ended
	Sep. 30, 2013
Accrued Interest Receivable Tables	'
Summary of accrued interest receivable	'
	The following is a summary of accrued interest receivable:
		September 30,
		2013		2012
		(Dollars in thousands)
	Loans	$	1,563	$	1,686
	Investment securities		51		91
	Mortgage-backed securities		138		117
	Total accrued interest receivable	$	1,752	$	1,894

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Sep. 30, 2013
Property, Plant and Equipment [Abstract]	'
Schedule of premises and equipment	'
	Premises and equipment consist of the following:
		Estimated	September 30,
		Useful Lives	2013			2012
			(Dollars in thousands)
	Land	Indefinite	$	5,330		$	5,330
	Buildings and improvements	10-40 years		21,382			21,811
	Furniture, fixtures and equipment	5-10  years		2,673			2,512
				29,385			29,653
	Less accumulated depreciation and amortization			(8,505	)		(8,112	)
			$	20,880		$	21,541

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Sep. 30, 2013
Deposits Tables	'
Schedule of deposits by type of account	'
	A summary of deposits by type of account follows:
		September 30,
		2013		2012
		(Dollars in thousands)
	Demand accounts	$	98,345	$	50,897
	Savings accounts		53,291		55,293
	NOW accounts		40,500		44,312
	Money market accounts		107,351		107,555
	Certificate of deposit		125,696		129,716
	Retirement accounts		28,145		28,745
		$	453,328	$	416,518
Schedule of contractual maturities of certificates of deposit	'
	At September 30, 2013, certificates of deposit (including retirement accounts) have contractual maturities as follows (in thousands):
	Year Ending September 30,
	2014	$	96,684
	2015		27,727
	2016		14,225
	2017		7,856
	2018		11,606
	Thereafter		649
		$	158,747

BORROWINGS_Tables

BORROWINGS (Tables)	12 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
Schedule of maturities of FHLBNY advances	'
	Long term FHLBNY advances as of September 30, 2013 mature as follows (in thousands):
	Year Ending September 30,
	2014	$	8,700
	2015		5,000
	2016		2,260
	2017		3,000
	2018		4,000
	Thereafter		4,140
		$	27,100
Schedule of short-term arrangements with the FHLBNY	'
	Information concerning short-term arrangements with the FHLBNY is summarized as follows:
		September 30,
		2013		2012
		(Dollars in thousands)
	Balance at end of year	$	—	$	1,400
	Weighted average balance during the year	$	2,721	$	911
	Maximum month-end balance during the year	$	15,500	$	8,750
	Average interest rate during the year		0.39%		0.38%

SERVICING_POLICY_Tables

SERVICING POLICY (Tables)	12 Months Ended
	Sep. 30, 2013
Servicing Policy Tables	'
Schedule of activity in mortgage servicing rights	'
	Activity in mortgage servicing rights during the years ended September 30, 2013 and 2012 are summarized as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Beginning balance	$	279		$	235
	Origination of mortgage servicing rights		20			141
	Amortization		(70	)		(97	)
	Ending balance	$	229		$	279

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Sep. 30, 2013
Income Taxes Tables	'
Schedule of components of income tax expense	'
	The income tax expense is comprised of the following components for the years ended September 30, 2013 and 2012:
		September 30,
		2013			2012
		(Dollars in thousands)
	Current	$	(63	)	$	20
	Deferred		84			101
	Total income tax expense	$	21		$	121
Schedule of reconciliation of income tax at the statutory rate to effective tax rate	'
	A reconciliation of income tax at the statutory tax rate to the effective income tax expense for the years ended September 30, 2013 and 2012 is as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Income tax expense (benefit) at statutory rate	$	97		$	214
	Increase (decrease) resulting from:
	State income taxes, net of federal income tax benefit		5			34
	Tax-exempt income, net		(108	)		(112	)
	Nondeductible expenses		3			4
	Share based compensation		—			14
	Employee stock ownership plan		(25	)		(32	)
	Increase (decrease) in valuation allowance		49			(26	)
	Other, net		—			25
	Total income tax expense	$	21		$	121
Schedule of major sources of temporary differences and their deferred tax effect	'
	The major sources of temporary differences and their deferred tax effect at September 30, 2013 and 2012 are as follows:
		September 30,
		2013			2012
		(Dollars in thousands)
	Allowance for loan losses	$	1,203		$	1,541
	Deferred loan fees		1,067			1,016
	Employee benefits		295			299
	Charitable contributions		18			13
	Net operating losses		1,912			1,727
	Alternative minimum tax credit		176			247
	Unrealized loss, minimum pension liability		348			627
	Net unrealized losses, investment securities available-for-sale		67			—
	OREO		297			319
	Straight line rent		118			93
	Gross deferred tax asset		5,501			5,882
	Depreciation		(1,469	)		(1,573	)
	Discount accretion on investments		(95	)		(107	)
	Net unrealized gains, investment securities available-for-sale		—			(178	)
	Unrealized gain, derivative contracts		—			(22	)
	Mortgage servicing rights		(92	)		(111	)
	Gross deferred tax liability		(1,656	)		(1,991	)
	Net deferred tax asset		3,845			3,891
	Valuation allowance		(183	)		(134	)
	Net deferred tax asset, included in other assets	$	3,662		$	3,757

PENSION_PLAN_Tables

PENSION PLAN (Tables)	12 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
Schedule of plan's funded status and amounts recognized	'
	The following table sets forth the plan’s funded status and amounts recognized in the Company’s consolidated balance sheet at September 30, 2013 and September 30, 2012.
		At September 30,
		2013			2012
		(Dollars in thousands)
	Actuarial present value of benefit obligations	$	3,630		$	4,156
	Change in benefit obligations
	Projected benefit obligation, beginning	$	4,156		$	3,719
	Interest cost		162			172
	Actuarial (gain) loss		(507	)		438
	Annuity payments and lump sum distributions		(181	)		(173	)
	Projected benefit obligation, end	$	3,630		$	4,156
	Change in plan assets
	Fair value of assets, beginning	$	2,487		$	2,196
	Actual return on plan assets		252			296
	Employer contributions		172			168
	Annuity payments and lump sum distributions		(181	)		(173	)
	Fair value of assets, end	$	2,730		$	2,487
	Funded status included with other liabilities	$	(900	)	$	(1,669	)
Schedule of net pension costs	'
	Net pension cost for the years ended September 30, 2013 and 2012 included the following components:
		September 30,
		2013			2012
		(Dollars in thousands)
	Service cost benefits earned during the year	$	—		$	—
	Interest cost on projected benefit obligation		162			172
	Expected return on plan assets		(186	)		(161	)
	Amortization of unrecognized net loss		124			81
	Net Pension Cost	$	100		$	92
Schedule of weighted-average asset allocations by asset category	'
	The Company’s pension plan weighted-average asset allocations at September 30, 2013 and 2012, by asset category are as follows:
		September 30,
		2013			2012
	Equity securities		62%			58%
	Debt securities (Bond Mutual Funds)		37%			42%
	Other (Money Market Fund)		1%			0%
	Total		100%			100%
Schedule of expected benefit payments	'
	The following benefit payments are expected to be paid as follows (in thousands):
	October 1, 2013 through September 30, 2014	$	194
	October 1, 2014 through September 30, 2015		197
	October 1, 2015 through September 30, 2016		197
	October 1, 2016 through September 30, 2017		198
	October 1, 2017 through September 30, 2018		198
	October 1, 2018 through September 30, 2023		998
		$	1,982
Schedule of plan assets that are measured at fair value	'
	Financial assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. See Note R for further detail regarding fair value hierarchy.
					Fair Value Measurements at Reporting Date Using:
					Quoted Prices			Significant
		At			in Active Markets			Other		Significant
		September 30,			for Identical			Observable		Unobservable
		2013			Assets (Level 1)			Inputs (Level 2)		Inputs (Level 3)
		(In thousands)
	Investment Type
	Mutual Funds- Equity
	Large-Cap Value	$	320		$	320		$	—	$	—
	Large-Cap Core		323			323			—		—
	Mid-Cap Core		161			161			—		—
	Small-Cap Core		165			165			—		—
	Non-U.S. Core		717			717			—		—
	Mutual Funds- Fixed Income
	Intermediate-Term Core		1,006			1,006			—		—
	Cash Equivalents
	Money Market		38			38			—		—
	Total Investment	$	2,730		$	2,730		$	—	$	—
					Fair Value Measurements at Reporting Date Using:
					Quoted Prices			Significant
		At			in Active Markets			Other		Significant
		September 30,			for Identical			Observable		Unobservable
		2012			Assets (Level 1)			Inputs (Level 2)		Inputs (Level 3)
		(In thousands)
	Investment Type
	Mutual Funds- Equity
	Large-Cap Value	$	270		$	270		$	—	$	—
	Large-Cap Core		278			278			—		—
	Mid-Cap Core		129			129			—		—
	Small-Cap Core		130			130			—		—
	Non-U.S. Core		628			628			—		—
	Mutual Funds- Fixed Income
	Intermediate-Term Core		1,051			1,051			—		—
	Cash Equivalents
	Money Market		1			1			—		—
	Total Investment	$	2,487		$	2,487		$	—	$	—

COMMITMENTS_Tables

COMMITMENTS (Tables)	12 Months Ended
	Sep. 30, 2013
Commitments Tables	'
Schedule of future minimum payments of operating leases	'
	Approximate future minimum payments under non-cancelable operating leases are due as follows for the years ending September 30 (in thousands):
	September 30,
	2014	$	568
	2015		568
	2016		588
	2017		627
	2018		627
	Thereafter		5,011
		$	7,989

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
	Sep. 30, 2013
Financial Instruments With Off-Balance-Sheet Risk Tables	'
Schedule of fair value, off-balance sheet financial instruments	'
	These commitments were comprised of fixed and variable rate loans.
		September 30,
		2013		2012
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk (in thousands)
	Letters of credit	$	1,450	$	1,450
	Unused lines of credit		38,823		41,162
	Fixed rate loan commitments		2,546		1,988
	Variable rate loan commitments		6,985		14,112
		$	49,804	$	58,712

FAIR_VALUE_DISCLOSURES_Tables

FAIR VALUE DISCLOSURES (Tables)	12 Months Ended
	Sep. 30, 2013
Fair Value Disclosures Tables	'
Schedule of assets measured at fair value on a recurring basis	'
	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a recurring basis at September 30, 2013 and 2012:
			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,556	$	—		$	1,556	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			9,401		—			9,401		—
	Mortgage-backed securities - commercial			4,002		—			4,002		—
	Private label mortgage-backed securities - residential			815		—			815		—
	Total securities available for sale		$	15,774	$	—		$	15,774	$	—
			Fair Value at September 30, 2012
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,861	$	—		$	1,861	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential			8,575		—			8,575		—
	Mortgage-backed securities - commercial			4,228		—			4,228		—
	Debt securities			1,067		—			1,067		—
	Private label mortgage-backed securities - residential			1,055		—			1,055		—
	Total securities available for sale		$	16,786	$	—		$	16,786	$	—
Schedule of assets measured at fair value on a non-recurring basis	'
	The following tables provide the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a non-recurring basis at September 30, 2013 and 2012:
			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	8,534	$	—		$	—	$	8,534
	Other real estate owned			230		—			—		230
			$	8,764	$	—		$	—	$	8,764
			Fair Value at September 30, 2012
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	5,984	$	—		$	—	$	5,984
	Other real estate owned			464		—			—		464
			$	6,448	$	—		$	—	$	6,448
Schedule of quantitative information about assets measured at fair value on a nonrecurring bassis for which Level 3 inputs were used to determine fair value	'
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Company has utilized Level 3 inputs to determine fair value:
	Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)
			Fair Value		Valuation
	30-Sep-13		Estimate		Techniques		Unobservable Input	Range (Weighted Average)
	Impaired loans		$	8,534	Appraisal of		Liquidation expenses (2)	0% to -8.0% (-6.04%)
					collateral (1)
	Other real estate owned		$	230	Appraisal of		Appraisal adjustments (2)	15.40%
					collateral (1), (3)
		-1	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
		-2	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
		-3	Includes qualitative adjustments by management and estimated liquidation expenses.
Schedule of the carrying amount, fair value, and placement in the fair value hierarchy of financial instruments carried at cost or amortized cost	'
			Carrying		Fair			Fair Value Measurement Placement
			Value		Value			(Level 1)		(Level 2)		(Level 3)
			(Dollars in thousands)
	30-Sep-13
	Financial instruments - assets
	Investment securities held-to-maturity		$	52,558	$	51,802		$	—	$	51,802	$	—
	Loans			396,800		401,064			—		—		401,064
	Financial instruments - liabilities
	Certificate of deposit			153,841		155,306			—		155,306		—
	Borrowings			32,100		33,430			—		33,430		—
	30-Sep-12
	Financial instruments - assets
	Investment securities held-to-maturity		$	41,068	$	42,130			—	$	42,130	$	—
	Loans			385,270		396,111			—		—		396,111
	Financial instruments - liabilities
	Certificate of deposit			158,461		160,753			—		160,753		—
	Borrowings			41,503		43,898			—		43,898		—

REGULATORY_CAPITAL_Tables

REGULATORY CAPITAL (Tables)

12 Months Ended

Sep. 30, 2013

Regulatory Capital Tables

'

Schedule of regulatory capital compliance

'

To be well-capitalized

For capital

under prompt corrective

Actual

adequacy purposes

action provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of September 30, 2013

Total Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

48,948

13.24%

29,584

>  8.00%

N/A

N/A

Magyar Bank

46,313

12.52%

29,582

>  8.00%

36,977

>  10.00%

Tier 1 Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

45,935

12.42%

14,792

>  4.00%

N/A

N/A

Magyar Bank

43,300

11.71%

14,791

>  4.00%

22,186

>    6.00%

Tier 1 Capital (to average assets)

Magyar Bancorp, Inc.

45,935

8.61%

21,341

>  4.00%

N/A

N/A

Magyar Bank

43,300

8.12%

21,340

>  4.00%

26,676

>    5.00%

As of September 30, 2012

Total Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

49,439

13.93%

28,402

>  8.00%

N/A

N/A

Magyar Bank

46,897

13.21%

28,400

>  8.00%

35,500

>  10.00%

Tier 1 Capital (to risk-weighted assets)

Magyar Bancorp, Inc.

45,581

12.84%

14,201

>  4.00%

N/A

N/A

Magyar Bank

43,039

12.12%

14,200

>  4.00%

21,300

>    6.00%

Tier 1 Capital (to average assets)

Magyar Bancorp, Inc.

45,581

8.90%

20,492

>  4.00%

N/A

N/A

Magyar Bank

43,039

8.40%

20,491

>  4.00%

25,614

>    5.00%

ORGANIZATION_Details_Narrative

ORGANIZATION (Details Narrative)	Sep. 30, 2013	Sep. 30, 2012
Common stock, shares outstanding	5,811,394	5,807,344
Treasury stock, shares	112,348	116,398
Treasury Stock	'	'
Ownership of Maygar Bancorp, Inc. (percentage)	1.90%	'
Treasury stock, shares	112,348	'
Hungaria Urban Renewal	'	'
Ownership of Subsidiaries	100.00%	'
Magyar Bank, MHC	'	'
Ownership of Subsidiaries	100.00%	'
Ownership of Maygar Bancorp, Inc. (percentage)	54.00%	'
Common stock, shares outstanding	3,200,450	'
Magyar Bank	'	'
Ownership of Maygar Bancorp, Inc. (percentage)	44.10%	'
Common stock, shares outstanding	2,610,944	'

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Summary Of Significant Accounting Policies Details Narrative	'
Commercial relationships	$500
Criticized relationships	$250

SUMMARY_OF_SIGNIFICANT_ACCOUNT4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Basic EPS	'	'
Net income available to common shareholders	$262	$509
Weighted average number of common shares outstanding - basic	5,810,910	5,810,294
Basic earnings (loss) per share	$0.05	$0.09
Effect of dilutive securities	'	'
Options and grants	863	'
Diluted EPS	'	'
Net income available to common shareholders plus assumed conversion	$262	$509
Weighted average number of common shares and common share equivalents - diluted	5,811,773	5,810,294
Diluted earnings (loss) per share	$0.05	$0.09

SUMMARY_OF_SIGNIFICANT_ACCOUNT5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Unrealized holding gains (losses) arising during period on:	'		'
Available-for-sale investments before tax	($544)		$276
Tax benefit (expense)	197		-116
Available-for-sale investments after tax	-347		160
Reclassification adjustment for net gains realized on available-for-sale investments before tax	-121	[1],[2]	-286	[1],[2]
Tax benefit (expense)	48	[1],[2]	114	[1],[2]
Reclassification adjustment for net gains realized on available-for-sale investments after tax	-73	[1],[2]	-172	[1],[2]
Defined benefit pension plan before tax	697		-222
Tax benefit (expense)	-278		89
Defined benefit pension plan after tax	419		-133
Interest rate derivatives before tax	-54		-87
Tax benefit (expense)	21		35
Interest rate derivatives after tax	-33		-52
Other comprehensive gain (loss), net before tax	-22		-319
Tax benefit (expense), Total	-12		122
Other comprehensive gain (loss), net	($34)		($197)
[1]	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

SUMMARY_OF_SIGNIFICANT_ACCOUNT6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 2) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Summary Of Significant Accounting Policies Details 2	'	'
Available-for-sale investments	($114)	$306
Defined benefit pension plan	-524	-943
Interest rate derivatives	'	33
Total accumulated other comprehensive loss	($638)	($604)

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details Narrative) (USD $)	12 Months Ended		7 Months Ended	71 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Nov. 30, 2007	Sep. 30, 2013
			First Repurchase Program	Second Repurchase Program
Stock option expenses	$0	$68	'	'
Stock award expenses	18	113	'	'
Maximum stock repurchase authorization (as a percent)	'	'	5.00%	5.00%
Stock authorized to be repurchased (in shares)	'	'	130,927	129,924
Stock repurchased during period (in shares)	'	'	'	81,000
Remaining shares available to be repurchased	'	'	'	48,924
Common stock average cost (in dollars per share)	'	'	'	$8.33
Cost of shares repurchased by ESOP trust	2,300	'	'	'
Average cost of shares repurchased (per share)	$10.58	'	'	'
Description of loan with respect to employee stock ownership plan	'The ESOP trust purchased 217,863 shares of common stock in the open market using proceeds of a loan from the Company. The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company. The loan bears a variable interest rate that adjusts annually to Prime (3.25% at September 30, 2013) with principal and interest payable annually in equal installments over thirty years. The loan is secured by shares of the Company's stock.	'	'	'
Interest rate of loan with respect to employee stock ownership plan	3.25%	'	'	'
Fair value of unreleased shares	$756	'	'	'

STOCKBASED_COMPENSATION_Detail1

STOCK-BASED COMPENSATION (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Options Outstanding	'	'
Balance at the beginning of period	188,276	188,276
Balance at the end of period	188,276	188,276
Exercisable at the end of period	188,276	'
Options, Weighted-Average Exercise Price	'	'
Weighted average price at the beginning of period	$14.61	$14.61
Weighted average price at the end of period	$14.61	$14.61
Exercisable at the end of period	$14.61	'
Weighted- Average Remaining Contractual Life of Stock options outstanding at the beginning of period (in years)	'4 years 4 months 24 days	'5 years 4 months 24 days
Weighted- Average Remaining Contractual Life of Stock options outstanding at the end of period (in years)	'3 years 4 months 24 days	'4 years 4 months 24 days
Weighted- Average Remaining Contractual Life, Stock options Exercisable at the end of period (in years)	'3 years 4 months 24 days	'

STOCKBASED_COMPENSATION_Detail2

STOCK-BASED COMPENSATION (Details 1) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Non Vested Stock Awards Outstanding	'	'
Balance at the beginning of period (in shares)	13,402	33,145
Stock Awards vested (in shares)	-4,050	-19,743
Balance at the end of period (in shares)	9,352	13,402
Non Vested Stock Awards, Weighted Average Grant Date Fair Value	'	'
Balance at the beginning of period (in dollars per share)	$4.43	$9.22
Stock Awards vested (in dollars per share)	$4.44	$12.48
Balance at the end of period (in dollars per share)	$4.42	$4.43

STOCKBASED_COMPENSATION_Detail3

STOCK-BASED COMPENSATION (Details 2)	Sep. 30, 2013	Sep. 30, 2012
Stock-Based Compensation Details 2	'	'
Unreleased shares, beginning	101,873	114,318
Shares released for allocation during the year	-12,445	'
Unreleased shares, ending	101,873	114,318
Total released shares	115,990	'
Total ESOP shares	217,863	'

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012
Investment Securities Details Narrative	'		'
Sales of investment securities available for sale	$4,307		$14,164
Realized gains on sales of securities available for sale	121	[1],[2]	286	[1],[2]
Securities pledged to secure public deposits, fair value	$9,800		$1,700
[1]	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Available for sale securities	'	'
Amortized Cost	$15,955	$16,302
Gross Unrealized Gains	62	485
Gross Unrealized Losses	-243	-1
Fair Value	15,774	16,786
Held to maturity securities	'	'
Amortized Cost	52,558	41,068
Gross Unrealized Gains	621	1,184
Gross Unrealized Losses	-1,377	-122
Fair Value	51,802	42,130
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Available for sale securities	'	'
Amortized Cost	1,551	1,850
Gross Unrealized Gains	5	11
Fair Value	1,556	1,861
Held to maturity securities	'	'
Amortized Cost	9,455	10,790
Gross Unrealized Gains	231	414
Gross Unrealized Losses	-121	-8
Fair Value	9,565	11,196
Obligations of U.S. government agencies Mortgage backed securities -commercial	'	'
Held to maturity securities	'	'
Amortized Cost	1,433	1,522
Gross Unrealized Gains	'	14
Gross Unrealized Losses	-3	'
Fair Value	1,430	1,536
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Available for sale securities	'	'
Amortized Cost	9,633	8,368
Gross Unrealized Gains	9	207
Gross Unrealized Losses	-241	'
Fair Value	9,401	8,575
Held to maturity securities	'	'
Amortized Cost	33,758	18,578
Gross Unrealized Gains	363	722
Gross Unrealized Losses	-975	-5
Fair Value	33,146	19,295
Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Available for sale securities	'	'
Amortized Cost	'	1,000
Gross Unrealized Gains	'	67
Fair Value	'	1,067
Held to maturity securities	'	'
Amortized Cost	4,000	5,770
Gross Unrealized Gains	'	6
Gross Unrealized Losses	-267	'
Fair Value	3,733	5,776
Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Available for sale securities	'	'
Amortized Cost	3,963	4,053
Gross Unrealized Gains	39	175
Fair Value	4,002	4,228
Private label mortgage-backed securities-residential	'	'
Available for sale securities	'	'
Amortized Cost	808	1,031
Gross Unrealized Gains	9	25
Gross Unrealized Losses	-2	-1
Fair Value	815	1,055
Held to maturity securities	'	'
Amortized Cost	901	1,367
Gross Unrealized Gains	27	27
Gross Unrealized Losses	-11	'
Fair Value	917	1,394
Obligations of state and political subdivisions	'	'
Held to maturity securities	'	'
Amortized Cost	11	41
Gross Unrealized Gains	'	1
Fair Value	11	42
Corporate securities	'	'
Held to maturity securities	'	'
Amortized Cost	3,000	3,000
Gross Unrealized Losses	'	-109
Fair Value	$3,000	$2,891

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 1) (USD $)	Sep. 30, 2013		Sep. 30, 2012
In Thousands, unless otherwise specified
Available for Sale Securities, Amortized Cost	'		'
Mortgage Backed Securities, Residential	$11,992	[1]	'
Mortgage Backed Securities, Commercial	3,963	[2]	'
Amortized Cost	15,955		16,302
Available for Sale Securities, Fair Value	'		'
Mortgage Backed Securities, Residential	11,772	[1]	'
Mortgage Backed Securities, Commercial	4,002	[2]	'
Fair Value	$15,774		$16,786
[1]	Available-for-sale mortgage-backed securities - residential include an amortized cost of $1.6 million and a fair value of $1.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $9.6 million and a fair value of $9.4 million. Also included are residential mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $808,000 and fair value of $815,000.
[2]	Available-for-sale mortgage-backed securities - commercial include an amortized cost of $4.0 million and a fair value of $4.0 million for obligations of U.S. government-sponsored enterprises issued by the Federal National Mortgage Association.

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 2) (USD $)	Sep. 30, 2013		Sep. 30, 2012
In Thousands, unless otherwise specified
Held to Maturity Securities, Amortized Cost	'		'
Due within 1 year	$11		'
Due after 1 but within 5 years	3,000		'
Due after 5 but within 10 years	1,000		'
Due after 10 years	3,000		'
Total debt securities	7,011		'
Mortgage Backed Securities, Residential	44,114	[1]	'
Mortgage Backed Securities, Commercial	1,433	[2]	'
Amortized cost	52,558		41,068
Held to Maturity Securities, Fair Value	'		'
Due within 1 year	11		'
Due after 1 but within 5 years	3,000		'
Due after 5 but within 10 years	921		'
Due after 10 years	2,812		'
Total debt securities	6,744		'
Mortgage Backed Securities, Residential	43,628	[1]	'
Mortgage Backed Securities, Commercial	1,430	[2]	'
Fair value	$51,802		$42,130
[1]	Held-to-maturity mortgage-backed securities - residential include an amortized cost of $9.5 million and a fair value of $9.6 million for obligations of U.S. government agencies issued by the Government National Mortgage Association and obligations of U.S. government-sponsored enterprises issued by Federal National Mortgage Association and Federal Home Loan Mortgage Corporation which had an amortized cost of $33.8 million and a fair value of $33.1 million. Also included are mortgage-backed securities issued by non-U.S. government agencies and government-sponsored enterprises with an amortized cost of $901,000 and a fair value of $917,000.
[2]	Held-to-maturity mortgage-backed securities - commercial include an amortized cost of $1.4 million and a fair value of $1.4 million for obligations of U.S. government agencies issued by the Small Business Administration.

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details 3) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified	N	N
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	33	6
Less than 12 Months, Fair Value	$41,083	$1,143
Less than 12 Months, Unrealized Losses	-1,540	-5
12 Months or Longer, Fair Value	1,746	4,646
12 Months or Longer, Unrealized Losses	-80	-118
Total, Fair Value	42,829	5,789
Total, Unrealized Losses	-1,620	-123
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	3	1
Less than 12 Months, Fair Value	1,887	'
Less than 12 Months, Unrealized Losses	-57	'
12 Months or Longer, Fair Value	1,099	1,729
12 Months or Longer, Unrealized Losses	-64	-8
Total, Fair Value	2,986	1,729
Total, Unrealized Losses	-121	-8
Obligations of U.S. government agencies Mortgage backed securities -commercial	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	1	'
Less than 12 Months, Fair Value	1,430	'
Less than 12 Months, Unrealized Losses	-3	'
Total, Fair Value	1,430	'
Total, Unrealized Losses	-3	'
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	22	1
Less than 12 Months, Fair Value	30,638	1,143
Less than 12 Months, Unrealized Losses	-1,202	-5
12 Months or Longer, Fair Value	626	'
12 Months or Longer, Unrealized Losses	-14	'
Total, Fair Value	31,264	1,143
Total, Unrealized Losses	-1,216	-5
Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	4	'
Less than 12 Months, Fair Value	3,732	'
Less than 12 Months, Unrealized Losses	-267	'
Total, Fair Value	3,732	'
Total, Unrealized Losses	-267	'
Private label mortgage-backed securities-residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	2	3
Less than 12 Months, Fair Value	396	'
Less than 12 Months, Unrealized Losses	-11	'
12 Months or Longer, Fair Value	21	26
12 Months or Longer, Unrealized Losses	-2	-1
Total, Fair Value	417	26
Total, Unrealized Losses	-13	-1
Corporate securities	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	1	1
Less than 12 Months, Fair Value	3,000	'
12 Months or Longer, Fair Value	'	2,891
12 Months or Longer, Unrealized Losses	'	-109
Total, Fair Value	3,000	2,891
Total, Unrealized Losses	'	($109)

LOANS_RECEIVABLE_NET_Details_N

LOANS RECEIVABLE, NET (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Loans Receivable Net Details Narrative	'	'
Loans receivable from directors, executives, affiliates	$5,000	$5,900
Principal Additions - loans receivable-related parties	1,300	'
Principal Repayments - loans receivable-related parties	2,200	'
Value of loans serviced on behalf of others	27,000	27,200
Mortgage Servicing Rights	229	279
Escrow balance held for loans serviced on behalf of others	179	209
Average Recorded Investment	22,900	24,000
Interest Income not recognized on non-accrual loans	763	2,100
Interest-only mortgage loans	16,900	17,400
Loans pledged as collateral against Federal Home Loan Bank of New York borrowings	$97,800	$86,300

LOANS_RECEIVABLE_NET_Details

LOANS RECEIVABLE, NET (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	$399,566	$388,924
Net deferred loan costs	247	204
Allowance for loan losses	-3,013	-3,858
Total loans receivable, net	396,800	385,270
One-to four-family residential	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	152,977	157,536
Allowance for loan losses	-844	-610
Commercial real estate	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	163,368	148,806
Allowance for loan losses	-852	-1,929
Construction	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	16,749	17,952
Allowance for loan losses	-604	-640
Home equity lines of credit	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	20,349	23,435
Allowance for loan losses	-125	-232
Commercial business	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	34,492	29,930
Allowance for loan losses	-452	-383
Other	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total loans receivable	11,631	11,265
Allowance for loan losses	($9)	($23)

LOANS_RECEIVABLE_NET_Details_1

LOANS RECEIVABLE, NET (Details 1) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	$7,224	$5,351
Related Allowance	542	932
Recorded Investment With No Specific Allowance	18,084	15,714
Total Recorded Investment	25,308	21,065
Total Unpaid Contractual Principal Balance	29,147	24,269
One-to four-family residential	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	6,192	'
Related Allowance	513	'
Recorded Investment With No Specific Allowance	8,478	7,124
Total Recorded Investment	14,670	7,124
Total Unpaid Contractual Principal Balance	15,631	7,594
Commercial real estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	421	3,999
Related Allowance	7	798
Recorded Investment With No Specific Allowance	5,599	2,425
Total Recorded Investment	6,020	6,424
Total Unpaid Contractual Principal Balance	7,179	7,204
Construction	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	600	'
Related Allowance	11	'
Recorded Investment With No Specific Allowance	2,896	5,141
Total Recorded Investment	3,496	5,141
Total Unpaid Contractual Principal Balance	4,953	6,927
Home equity lines of credit	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	'	1,340
Related Allowance	'	122
Recorded Investment With No Specific Allowance	1,027	967
Total Recorded Investment	1,027	2,307
Total Unpaid Contractual Principal Balance	1,268	2,475
Commercial business	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	11	'
Related Allowance	11	'
Recorded Investment With No Specific Allowance	84	57
Total Recorded Investment	95	57
Total Unpaid Contractual Principal Balance	116	57
Other	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment With Specific Allowance	'	12
Related Allowance	'	12
Total Recorded Investment	'	12
Total Unpaid Contractual Principal Balance	'	$12

LOANS_RECEIVABLE_NET_Details_2

LOANS RECEIVABLE, NET (Details 2) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Total loans receivable	$399,566	$388,924
Pass	'	'
Total loans receivable	369,755	349,982
Special Mention	'	'
Total loans receivable	1,940	15,509
Substandard	'	'
Total loans receivable	27,871	20,414
Doubtful	'	'
Total loans receivable	'	3,019
One-to four-family residential	'	'
Total loans receivable	152,977	157,536
One-to four-family residential | Pass	'	'
Total loans receivable	141,881	146,487
One-to four-family residential | Special Mention	'	'
Total loans receivable	346	3,925
One-to four-family residential | Substandard	'	'
Total loans receivable	10,750	7,124
Commercial real estate	'	'
Total loans receivable	163,368	148,806
Commercial real estate | Pass	'	'
Total loans receivable	156,511	137,616
Commercial real estate | Special Mention	'	'
Total loans receivable	1,128	3,063
Commercial real estate | Substandard	'	'
Total loans receivable	5,729	6,448
Commercial real estate | Doubtful	'	'
Total loans receivable	'	1,679
Construction	'	'
Total loans receivable	16,749	17,952
Construction | Pass	'	'
Total loans receivable	8,839	8,274
Construction | Special Mention	'	'
Total loans receivable	'	4,537
Construction | Substandard	'	'
Total loans receivable	7,910	5,141
Home equity lines of credit	'	'
Total loans receivable	20,349	23,435
Home equity lines of credit | Pass	'	'
Total loans receivable	17,988	20,295
Home equity lines of credit | Special Mention	'	'
Total loans receivable	'	833
Home equity lines of credit | Substandard	'	'
Total loans receivable	2,361	967
Home equity lines of credit | Doubtful	'	'
Total loans receivable	'	1,340
Commercial business	'	'
Total loans receivable	34,492	29,930
Commercial business | Pass	'	'
Total loans receivable	32,905	26,057
Commercial business | Special Mention	'	'
Total loans receivable	466	3,151
Commercial business | Substandard	'	'
Total loans receivable	1,121	722
Other	'	'
Total loans receivable	11,631	11,265
Other | Pass	'	'
Total loans receivable	11,631	11,253
Other | Special Mention	'	'
Total loans receivable	'	'
Other | Substandard	'	'
Total loans receivable	'	$12

LOANS_RECEIVABLE_NET_Details_3

LOANS RECEIVABLE, NET (Details 3) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Aging analysis of past due loans	'	'
Current	$383,282	$365,601
30-59 Days Past Due	250	791
60-89 Days Past Due	378	2,458
90 Days + Past Due	15,656	20,074
Total Past Due	16,284	23,323
Non - Accrual	15,656	20,074
Total loans receivable	399,566	388,924
One-to four-family residential	'	'
Aging analysis of past due loans	'	'
Current	144,084	147,749
30-59 Days Past Due	'	621
60-89 Days Past Due	378	1,589
90 Days + Past Due	8,515	7,577
Total Past Due	8,893	9,787
Non - Accrual	8,515	7,577
Total loans receivable	152,977	157,536
Commercial real estate	'	'
Aging analysis of past due loans	'	'
Current	160,624	141,674
60-89 Days Past Due	'	708
90 Days + Past Due	2,744	6,424
Total Past Due	2,744	7,132
Non - Accrual	2,744	6,424
Total loans receivable	163,368	148,806
Construction	'	'
Aging analysis of past due loans	'	'
Current	13,223	12,811
90 Days + Past Due	3,526	5,141
Total Past Due	3,526	5,141
Non - Accrual	3,526	5,141
Total loans receivable	16,749	17,952
Home equity lines of credit	'	'
Aging analysis of past due loans	'	'
Current	19,253	22,353
30-59 Days Past Due	250	160
60-89 Days Past Due	'	59
90 Days + Past Due	846	863
Total Past Due	1,096	1,082
Non - Accrual	846	863
Total loans receivable	20,349	23,435
Commercial business	'	'
Aging analysis of past due loans	'	'
Current	34,467	29,761
30-59 Days Past Due	'	10
60-89 Days Past Due	'	102
90 Days + Past Due	25	57
Total Past Due	25	169
Non - Accrual	25	57
Total loans receivable	34,492	29,930
Other	'	'
Aging analysis of past due loans	'	'
Current	11,631	11,253
90 Days + Past Due	'	12
Total Past Due	'	12
Non - Accrual	'	12
Total loans receivable	$11,631	$11,265

LOANS_RECEIVABLE_NET_Details_4

LOANS RECEIVABLE, NET (Details 4) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	$3,858	$3,812
Charge-offs	-3,260	-1,466
Recoveries	304	51
Provision	2,111	1,461
Balance at the end of period	3,013	3,858
One-to four-family residential	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	610	734
Charge-offs	-478	-326
Provision	712	202
Balance at the end of period	844	610
Commercial real estate	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	1,929	1,266
Charge-offs	-576	-110
Recoveries	20	'
Provision	-521	773
Balance at the end of period	852	1,929
Construction	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	640	1,043
Charge-offs	-1,374	-880
Recoveries	284	51
Provision	1,054	426
Balance at the end of period	604	640
Home equity lines of credit	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	232	101
Charge-offs	-13	-81
Provision	-95	212
Balance at the end of period	125	232
Commercial business	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	383	551
Charge-offs	-806	-69
Provision	875	-99
Balance at the end of period	452	383
Other	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	23	13
Charge-offs	-13	'
Provision	-1	10
Balance at the end of period	9	23
Unallocated	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	41	104
Provision	86	-63
Balance at the end of period	$127	$41

LOANS_RECEIVABLE_NET_Details_5

LOANS RECEIVABLE, NET (Details 5) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	$3,013	$3,858
Individually evaluated for impairment	542	932
Collectively evaluated for impairment	2,471	2,926
Balance - Loans receivable	399,566	388,924
Loan balance individually evaluated for impairment	25,308	21,065
Loan balance collectively evaluated for impairment	374,258	367,859
One-to four-family residential	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	844	610
Individually evaluated for impairment	513	'
Collectively evaluated for impairment	331	610
Balance - Loans receivable	152,977	157,536
Loan balance individually evaluated for impairment	14,670	7,124
Loan balance collectively evaluated for impairment	138,307	150,412
Commercial real estate	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	852	1,929
Individually evaluated for impairment	7	798
Collectively evaluated for impairment	845	1,131
Balance - Loans receivable	163,368	148,806
Loan balance individually evaluated for impairment	6,020	6,424
Loan balance collectively evaluated for impairment	157,348	142,382
Construction	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	604	640
Individually evaluated for impairment	11	'
Collectively evaluated for impairment	593	640
Balance - Loans receivable	16,749	17,952
Loan balance individually evaluated for impairment	3,496	5,141
Loan balance collectively evaluated for impairment	13,253	12,811
Home equity lines of credit	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	125	232
Individually evaluated for impairment	'	122
Collectively evaluated for impairment	125	110
Balance - Loans receivable	20,349	23,435
Loan balance individually evaluated for impairment	1,027	2,307
Loan balance collectively evaluated for impairment	19,322	21,128
Commercial business	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	452	383
Individually evaluated for impairment	11	'
Collectively evaluated for impairment	441	383
Balance - Loans receivable	34,492	29,930
Loan balance individually evaluated for impairment	95	57
Loan balance collectively evaluated for impairment	34,397	29,873
Other	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	9	23
Individually evaluated for impairment	'	12
Collectively evaluated for impairment	9	11
Balance - Loans receivable	11,631	11,265
Loan balance individually evaluated for impairment	'	12
Loan balance collectively evaluated for impairment	11,631	11,253
Unallocated	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	127	41
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	$127	$41

LOANS_RECEIVABLE_NET_Details_6

LOANS RECEIVABLE, NET (Details 6) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
	N	N
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	8	10
Investment Before TDR Modification	$1,863	$5,605
Investment After TDR Modification	2,163	4,661
One-to four-family residential	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	7	6
Investment Before TDR Modification	1,170	2,336
Investment After TDR Modification	1,168	2,336
Commercial real estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	1	4
Investment Before TDR Modification	693	3,269
Investment After TDR Modification	$995	$2,325

ACCRUED_INTEREST_RECEIVABLE_De

ACCRUED INTEREST RECEIVABLE (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Accrued interest receivable	$1,752	$1,894
Loans	'	'
Accrued interest receivable	1,563	1,686
Investment Securities	'	'
Accrued interest receivable	51	91
Mortgage-backed Securities	'	'
Accrued interest receivable	$138	$117

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Depreciation expense	$927	$935
Premises and equipment, net	20,880	21,541
Hungaria Urban Renewal | Land	'	'
Premises and equipment, net	3,100	3,100
Hungaria Urban Renewal | Buildings and Improvements	'	'
Premises and equipment, net	11,000	11,400
Hungaria Urban Renewal | Furniture, Fixtures and Equipment	'	'
Premises and equipment, net	$209	$314

PREMISES_AND_EQUIPMENT_Details1

PREMISES AND EQUIPMENT (Details) (USD $)

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

In Thousands, unless otherwise specified

Land

Land

Buildings and Improvements

Buildings and Improvements

Buildings and Improvements

Buildings and Improvements

Furniture, Fixtures and Equipment

Furniture, Fixtures and Equipment

Furniture, Fixtures and Equipment

Furniture, Fixtures and Equipment

Minimum

Maximum

Minimum

Maximum

Property, Plant and Equipment, Gross

$29,385

$29,653

$5,330

$5,330

$21,382

$21,811

'

'

$2,673

$2,512

'

'

Less accumulated depreciation and amortization

-8,505

-8,112

'

'

'

'

'

'

'

'

'

'

Property, Plant and Equipment, Net

$20,880

$21,541

'

'

'

'

'

'

'

'

'

'

Estimated Useful Lives

'

'

'

'

'

'

'10 years

'40 years

'

'

'5 years

'10 years

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Other Real Estate Owned Details Narrative	'	'
Other real estate owned ("OREO")	$14,756	$13,381
Write-downs on other real estate owned	$42	$148

DEPOSITS_Details_Narrative

DEPOSITS (Details Narrative) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Deposits Details Narrative	'	'
Aggregate of deposit accounts with a minimum denomination of $100,000	$296,000	$238,300
Aggregated of certificate deposits with balance greater than $100,000	$82,600	$82,600

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Deposits Details	'	'
Demand accounts	$98,345	$50,897
Savings accounts	53,291	55,293
NOW accounts	40,500	44,312
Money market accounts	107,351	107,555
Certificates of deposit	125,696	129,716
Retirement accounts	28,145	28,745
Deposits, Total	$453,328	$416,518

DEPOSITS_Details_1

DEPOSITS (Details 1) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Deposits Details 1	'
2014	$96,684
2015	27,727
2016	14,225
2017	7,856
2018	11,606
Thereafter	649
Certificates of deposit (including retirement accounts)	$158,747

BORROWINGS_Details_Narrative

BORROWINGS (Details Narrative) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Debt Disclosure [Abstract]	'	'
Long-term Federal Home Loan advances	$27,100	$36,500
Weighted average interest rate	3.21%	'
Available credit from FHLBNY	61,300	43,600
Repurchase agreements	5,000	5,000
Interest rate of repurchase agreements	3.83%	'
Fair value of security collateral for repurchase agreements	$5,800	'

BORROWINGS_Details

BORROWINGS (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Year Ending September 30,	'	'
2014	$8,700	'
2015	5,000	'
2016	2,260	'
2017	3,000	'
2018	4,000	'
Thereafter	4,140	'
Long term FHLBNY advances	$27,100	$36,503

BORROWINGS_Details_1

BORROWINGS (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Borrowings Details 1	'	'
Balance at end of year	'	$1,400
Weighted average balance during the year	2,721	911
Maximum month-end balance during the year	$15,500	$8,750
Average interest rate during the year	0.39%	0.38%

SERVICING_POLICY_Details_Narra

SERVICING POLICY (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Servicing Policy Details Narrative	'	'
Loans sold, servicing released	$0	$0
Proceeds from the sales of loans	4,957	9,209
Value of loans sold still being serviced	18,200	20,800
SBA Loans being serviced	$8,800	$6,300

SERVICING_POLICY_Details

SERVICING POLICY (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Servicing Policy Details	'	'
Mortgage servicing rights, beginning balance	$279	$235
Origination of mortgage servicing rights	20	141
Amortization	-70	-97
Mortgage servicing rights, ending balance	$229	$279

INCOME_TAXES_Details_Narrative

INCOME TAXES (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Net change in valuation allowance	$49
Federal	'
Operating loss carry forwards	4,200
Expiration year of operating loss carryfowards	'2029
Tax loss reserves, base year amount	1,258
State	'
Operating loss carry forwards	8,300
Expiration year of operating loss carryfowards	'2015
Valuation allowance	$183

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Income Taxes Details	'	'
Current	($63)	$20
Deferred	83	101
Total income tax expense	$21	$121

INCOME_TAXES_Details_1

INCOME TAXES (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Reconciliation of income tax	'	'
Income tax (benefit) expense at statutory tax rate	$97	$214
Increase (decrease) resulting from:	'	'
State income taxes, net of federal income tax benefit	5	34
Tax-exempt income, net	-108	-112
Nondeductible expenses	3	4
Share based compensation	'	14
Employee stock ownership plan	-25	-32
Increase (decrease) in valuation allowance	49	-26
Other, net	'	25
Total income tax expense	$21	$121

INCOME_TAXES_Details_2

INCOME TAXES (Details 2) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Temporary Differences and Deferred Tax Effect	'	'
Allowance for loan losses	$1,203	$1,541
Deferred loan fees	1,067	1,016
Employee benefits	295	299
Charitable contributions	18	13
Net operating losses	1,912	1,727
Alternative minimum tax credit	176	247
Unrealized loss, minimum pension liability	348	627
Net unrealized losses, investment securities available-for-sale	67	'
OREO	297	319
Straight line rent	118	93
Gross deferred tax asset	5,501	5,882
Depreciation	-1,469	-1,573
Discount accretion on investments	-95	-107
Net unrealized gains, investment securities available-for-sale	'	-178
Unrealized gain, derivative contracts	'	-22
Mortgage servicing rights	-92	-111
Gross deferred tax liability	-1,656	-1,991
Net deferred tax asset	3,845	3,891
Valuation allowance	-183	-134
Net deferred tax asset, included in other assets	$3,662	$3,757

PENSION_PLAN_Details_Narrative

PENSION PLAN (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Long-term investment objective, equities	65.00%	'
Long-term investment objective, debt	35.00%	'
Funding guidelines, description	'	'
	If the plan is underfunded under the Guidelines, the bond fund portion will be temporarily increased to 50% in order to lessen asset value volatility. When the plan is no longer underfunded, the bond fund portion will be decreased back to 35%. Asset rebalancing is performed at least annually, with interim adjustments made when the investment mix varies more than 5% from the target (i.e., a 10% target range).
Weighted average discount rate	5.00%	4.00%
Expected long-term rate of return on assets	7.50%	7.50%
Expected contributions	$111	'
Actuarial losses	872	1,570
Acturial losses, income tax effects	348	627
Acturial losses expected to be amortized within next year	$54	'
Minimum	'	'
Expected long-term rate of return on assets	6.00%	'
Minimum | Equity Securities	'	'
Expected long-term rate of return on assets	7.00%	'
Target asset allocation	40.00%	'
Minimum | Fixed Income Securities	'	'
Expected long-term rate of return on assets	2.00%	'
Target asset allocation	30.00%	'
Maximum	'	'
Expected long-term rate of return on assets	10.00%	'
Maximum | Equity Securities	'	'
Expected long-term rate of return on assets	11.00%	'
Target asset allocation	70.00%	'
Maximum | Fixed Income Securities	'	'
Expected long-term rate of return on assets	6.00%	'
Target asset allocation	60.00%	'

PENSION_PLAN_Details

PENSION PLAN (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Pension Plan Details	'	'
Projected benefit obligation, beginning	$4,156	$3,719
Interest cost	162	172
Actuarial (gain) loss	-507	438
Annuity payments and lump sum distributions	-181	-173
Projected benefit obligation, end	3,630	4,156
Change in plan assets	'	'
Fair value of assets, beginning	2,487	2,196
Actual return on plan assets	252	296
Employer contributions	172	168
Annuity payments and lump sum distributions	-181	-173
Fair value of assets, end	2,730	2,487
Funded status included with other liabilities	($900)	($1,669)

PENSION_PLAN_Details_1

PENSION PLAN (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Pension Plan Details 1	'	'
Interest cost on projected benefit obligation	$162	$172
Expected return on plan assets	-186	-161
Amortization of unrecognized net loss	124	81
Net Pension Cost	$100	$92

PENSION_PLAN_Details_2

PENSION PLAN (Details 2)	Sep. 30, 2013	Sep. 30, 2012
Weighted average asset allocation (percentage)	100.00%	100.00%
Total securities available for sale	'	'
Weighted average asset allocation (percentage)	37.00%	42.00%
Equity Securities	'	'
Weighted average asset allocation (percentage)	62.00%	58.00%
Other (Money Market Fund)	'	'
Weighted average asset allocation (percentage)	1.00%	0.00%

PENSION_PLAN_Details_3

PENSION PLAN (Details 3) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Benefit payments expected to be paid	'
October 1, 2013 through September 30, 2014	$194
October 1, 2014 through September 30, 2015	197
October 1, 2015 through September 30, 2016	197
October 1, 2016 through September 30, 2017	198
October 1, 2017 through September 30, 2018	198
October 1, 2018 through September 30, 2023	998
Benefit payments expected to be paid, total	$1,982

PENSION_PLAN_Details_4

PENSION PLAN (Details 4) (Fair Value, Measurements, Recurring, USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair Value	'	'
Investment Type Mutual Funds- Equity	'	'
Large-Cap Value	$320	$270
Large-Cap Core	323	278
Mid-Cap Core	161	129
Small-Cap Core	165	130
Non-U.S. Core	717	628
Investment Type Mutual Funds- Fixed Income	'	'
Intermediate-Term Core	1,006	1,051
Cash Equivalents	'	'
Money Market	38	1
Total Investment	2,730	2,487
Level 1	'	'
Investment Type Mutual Funds- Equity	'	'
Large-Cap Value	320	270
Large-Cap Core	323	278
Mid-Cap Core	161	129
Small-Cap Core	165	130
Non-U.S. Core	717	628
Investment Type Mutual Funds- Fixed Income	'	'
Intermediate-Term Core	1,006	1,051
Cash Equivalents	'	'
Money Market	38	1
Total Investment	$2,730	$2,487

NONQUALIFIED_COMPENSATION_PLAN1

NONQUALIFIED COMPENSATION PLAN (Details Narrative) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Nonqualified Compensation Plan Details Narrative	'	'
Director Emeritus Plan description	'In 2001, the Company adopted a New Director Emeritus Plan (the "New Plan"), which supplemented the prior Director Emeritus Plans. Under the New Plan, the directors will be entitled to a benefit upon attainment of his/her benefit age. The directors will receive an annual amount in monthly installments based on his/her total Board and Committee fees in the twelve months prior to attainment of his/her benefit age. The amount will be ten percent (10%) plus two and one-half percent (2 1/2%) for each year of service as a Director, with a minimum of fifty percent (50%), provided the Director has served for at least five (5) years, and a maximum of sixty percent (60%). The maximum benefit increases for any Director serving as Chairman of the Board to seventy-five percent (75%).	'
Life Insurance Contracts, Value	$10,342	$10,010

401K_EMPLOYEE_CONTRIBUTION_PLA1

401(K) EMPLOYEE CONTRIBUTION PLAN (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
K Employee Contribution Plan Details Narrative	'	'
Employer's contribution to the plan	$38	$0

COMMITMENTS_Details_Narrative

COMMITMENTS (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Commitments Details Narrative	'	'
Rental Expense	$739	$789

COMMITMENTS_Details

COMMITMENTS (Details) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Due September 30,	'
2014	$568
2015	568
2016	588
2017	627
2018	627
Thereafter	5,011
Future minimum payments under non-cancelable operating leases	$7,989

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details Narrative) (USD $)	1 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Apr. 30, 2008	Sep. 30, 2012
Financial Instruments With Off-Balance Sheet Risk Details Narrative	'	'
Interest rate collar unwound	$10,000	'
Termination fee	817	'
Book value of interest rate collar	112	'
Unrealized gain on interest rate collar	705	'
Book value of unwound derivative	'	54
Other comprehensive loss - unwound derivative	'	33
Other comprehensive loss - deferred tax of unwound derivative	'	$21

FINANCIAL_INSTRUMENTS_WITH_OFF3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial instruments - contract amounts	$49,804	$58,712
Unused lines of credit	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial instruments - contract amounts	38,823	41,162
Fixed rate loan commitments	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial instruments - contract amounts	2,546	1,988
Letters of credit	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial instruments - contract amounts	1,450	1,450
Variable rate loan commitments	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial instruments - contract amounts	$6,985	$14,112

FAIR_VALUE_DISCLOSURES_Details

FAIR VALUE DISCLOSURES (Details Narrative) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Total Unpaid Contractual Principal Balance	$29,147	$24,269
Write-down of impaired loans	-3,260	-1,466
Specific loss reserves	542	932
Impaired Loans	'	'
Number of impaired loans	23	'
Total Unpaid Contractual Principal Balance	11,600	'
Cumulative write-down of impaired loans	2,700	'
Write-down of impaired loans	1,800	'
Specific loss reserves	$542	'

FAIR_VALUE_DISCLOSURES_Details1

FAIR VALUE DISCLOSURES (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair value measured on recurring basis:	'	'
Securities available for sale	$15,774	$16,786
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	1,556	1,861
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	9,401	8,575
Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	4,002	4,228
Private label mortgage-backed securities-residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	815	1,055
Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	'	1,067
Fair Value, Measurements, Recurring | Level 2	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	15,774	16,786
Fair Value, Measurements, Recurring | Level 2 | Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	1,556	1,861
Fair Value, Measurements, Recurring | Level 2 | Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	9,401	8,575
Fair Value, Measurements, Recurring | Level 2 | Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	4,002	4,228
Fair Value, Measurements, Recurring | Level 2 | Private label mortgage-backed securities-residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	815	1,055
Fair Value, Measurements, Recurring | Level 2 | Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	'	$1,067

FAIR_VALUE_DISCLOSURES_Details2

FAIR VALUE DISCLOSURES (Details 1) (Fair Value Measured on a Nonrecurring Basis, USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair Value	'	'
Impaired loans	$8,534	$5,984
Other real estate owned	230	464
Assets measured at fair value on a non-recurring basis	8,764	6,448
Level 3	'	'
Impaired loans	8,534	5,984
Other real estate owned	230	464
Assets measured at fair value on a non-recurring basis	$8,764	$6,448

FAIR_VALUE_DISCLOSURES_Details3

FAIR VALUE DISCLOSURES (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Impaired Loans | Weighted Average	'
Fair value input- appraisal of collateral	-6.04%
Impaired Loans | Minimum	'
Fair value input- appraisal of collateral	0.00%
Impaired Loans | Maximum	'
Fair value input- appraisal of collateral	-8.00%
Impaired Loans | Fair Value Measured on a Nonrecurring Basis	'
Fair value estimate	8,534
Valuation techniques and Unobservable Input	'Appraisal of collateral; Liquidation expenses	[1],[2]
Other Real Estate Owned | Weighted Average	'
Fair value input- appraisal of collateral	15.40%
Other Real Estate Owned | Fair Value Measured on a Nonrecurring Basis	'
Fair value estimate	230
Valuation techniques and Unobservable Input	'Appraisal of collateral; Appraisal adjustments	[1],[2],[3]
[1]	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputes which are not identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
[3]	Includes qualitative adjustments by management and estimated liquidation expenses.

FAIR_VALUE_DISCLOSURES_Details4

FAIR VALUE DISCLOSURES (Details 3) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	$51,802	$42,130
Carrying Amount	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	52,558	41,068
Loans	396,800	385,270
Financial instruments - liabilities	'	'
Certificate of deposit	153,841	158,461
Borrowings	32,100	41,503
Fair Value	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	51,802	42,130
Loans	401,064	396,111
Financial instruments - liabilities	'	'
Certificate of deposit	155,306	160,753
Borrowings	33,430	43,898
Level 2	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	51,802	42,130
Financial instruments - liabilities	'	'
Certificate of deposit	155,306	160,753
Borrowings	33,430	43,898
Level 3	'	'
Financial instruments - assets	'	'
Loans	$401,064	$396,111

REGULATORY_CAPITAL_Details

REGULATORY CAPITAL (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Magyar Bancorp, Inc.	'	'
Total Capital	$48,948	$49,439
Total Capital (to risk-weighted assets) ratio	13.24%	13.93%
Minimum amount of capital for adequacy purposes	29,584	28,402
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Tier 1 Capital (to risk-weighted assets)	'	'
Tier 1 Capital	45,935	45,581
Tier 1 Capital (to risk-weighted assets) ratio	12.42%	12.84%
Minimum amount of Tier 1 Capital for adequacy purposes	14,792	14,201
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital	45,935	45,581
Tier 1 Capital (to average assets) ratio	8.61%	8.90%
Minimum amount of Tier 1 Capital for adequacy purposes	21,341	20,492
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Magyar Bank	'	'
Total Capital	46,313	46,897
Total Capital (to risk-weighted assets) ratio	12.52%	13.21%
Minimum amount of capital for adequacy purposes	29,582	28,400
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Minimum Capital required to be well-capitalized	36,977	35,500
Minimum Capital required to be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)	'	'
Tier 1 Capital	43,300	43,039
Tier 1 Capital (to risk-weighted assets) ratio	11.71%	12.12%
Minimum amount of Tier 1 Capital for adequacy purposes	14,791	14,200
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	22,186	21,300
Minimum Tier 1 Capital required to be well-capitalized, ratio	6.00%	6.00%
Tier 1 Capital	43,300	43,039
Tier 1 Capital (to average assets) ratio	8.12%	8.40%
Minimum amount of Tier 1 Capital for adequacy purposes	21,340	20,491
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	$26,676	$25,614
Minimum Tier 1 Capital required to be well-capitalized, ratio	5.00%	5.00%