Louisiana Bancorp (LABC) 10-Q 13 Aug 15 2015 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Aug. 13, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	LOUISIANA BANCORP INC
Trading Symbol	LABC
Document Type	10-Q
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		2,902,548
Amendment Flag	false
Entity Central Index Key	1,392,562
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and Due from Banks	$ 2,268	$ 3,016
Short-Term Interest-Bearing Deposits	8,449	2,032
Total Cash and Cash Equivalents	10,717	5,048
Certificates of Deposit	481	481
Securities Available-for-Sale, at Fair Value (Amortized Cost of $2,063 and $2,422, respectively)	2,355	2,733
Securities Held-to-Maturity, at Amortized Cost (Estimated Fair Value of $36,653 and $41,269, respectively)	35,558	39,979
Loans Held for Sale	2,076	620
Loans Held for Investment	288,769	276,674
Allowance for Loan Loss	(2,492)	(2,368)
Total Loans Receivable	288,353	274,926
Accrued Interest Receivable	936	912
Stock in Federal Home Loan Bank	3,331	3,245
Premises and Equipment, Net	3,245	2,947
Other Assets	3,108	3,075
Total Assets	348,084	333,346
Deposits
Non-Interest-Bearing	22,488	16,507
Interest-Bearing	181,671	176,591
Total Deposits	204,159	193,098
Borrowings	77,928	75,509
Advance Payments by Borrowers for Taxes and Insurance	4,062	4,477
Accrued Interest Payable	111	123
Other Liabilities	2,589	1,742
Total Liabilities	$ 288,849	$ 274,949
Commitments and Contigencies
Shareholders' Equity
Common Stock, $.01 Par Value, 40,000,000 Shares Authorized; 6,345,732 Shares Issued; 2,902,548 and 2,901,592 Outstanding, respectively	$ 63	$ 63
Additional Paid-in-Capital	63,562	63,563
Unearned ESOP Shares	(3,173)	(3,173)
Unearned Recognition and Retention Plan Shares	(317)	(327)
Treasury Stock, at Cost (3,443,184 shares and 3,444,140 shares, respectively)	(49,901)	(49,883)
Retained Earnings	48,808	47,949
Accumulated Other Comprehensive Income	193	205
Total Shareholders' Equity	59,235	58,397
Total Liabilities and Shareholders' Equity	$ 348,084	$ 333,346

Consolidated Balance Sheets (C3

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities Available-for-Sale, Amortized Cost (in Dollars)	$ 2,063	$ 2,422
Securities Held-to-Maturity, Estimated Fair Value (in Dollars)	$ 36,653	$ 41,269
Common Stock, Par Value (in Dollars per share)	$ 0.01	$ 0.01
Common Stock, Shares Authorized	40,000,000	40,000,000
Common Stock, Shares Issued	6,345,732	6,345,732
Common Stock, Shares Outstanding	2,902,548	2,901,592
Treasury Stock, Shares	3,443,184	3,444,140

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest and Dividend Income
Loans, Including Fees	$ 3,013,000	$ 2,718,000	$ 5,910,000	$ 5,458,000
Mortgage Backed Securities	263,000	349,000	544,000	723,000
Investment Securities	21,000	14,000	41,000	42,000
Other Interest-Bearing Deposits	4,000	7,000	9,000	11,000
Total Interest and Dividend Income	3,301,000	3,088,000	6,504,000	6,234,000
Interest Expense
Deposits	304,000	392,000	601,000	781,000
Borrowings	244,000	268,000	499,000	539,000
Total Interest Expense	548,000	660,000	1,100,000	1,320,000
Net Interest Income	2,753,000	2,428,000	5,404,000	4,914,000
Provision for Loan Losses	125,000	44,000	117,000	65,000
Net Interest Income after Provision for Loan Losses	2,628,000	2,384,000	5,287,000	4,849,000
Non-Interest Income
Customer Service Fees	281,000	164,000	484,000	365,000
Gain on Sale of Loans	292,000	182,000	467,000	323,000
Gain on Sale of Securities		30,000		30,000
Gain on Investment in SBIC	5,000		5,000	7,000
Other Income	14,000	19,000	29,000	34,000
Total Non-Interest Income	592,000	395,000	985,000	759,000
Non-Interest Expense
Salaries and Employee Benefits	1,171,000	1,143,000	2,421,000	2,274,000
Occupancy Expense	378,000	379,000	752,000	739,000
Louisiana Bank Shares Tax	49,000	48,000	99,000	96,000
FDIC Insurance Premium	39,000	37,000	79,000	75,000
Supplies & Printing	45,000	42,000	90,000	72,000
Professional Service Fees	448,000	68,000	530,000	143,000
Net Cost of OREO Operations		42,000		45,000
Advertising Expense	79,000	83,000	148,000	147,000
Other Expenses	181,000	150,000	316,000	287,000
Total Non-Interest Expense	2,390,000	1,992,000	4,435,000	3,878,000
Income Before Income Tax Expense	830,000	787,000	1,837,000	1,730,000
Income Tax Expense	278,000	268,000	616,000	591,000
Net Income	$ 552,000	$ 519,000	$ 1,221,000	$ 1,139,000
Earnings Per Share
Basic (in Dollars per share)	$ 0.22	$ 0.21	$ 0.48	$ 0.46
Diluted (in Dollars per share)	$ 0.20	$ 0.20	$ 0.45	$ 0.43

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Net Income	$ 1,221,000	$ 1,139,000
Other Comprehensive Loss, Net of Tax
Change in Unrealized Gains During the Period	(12,000)	(19,000)
Reclassification Adjustment for Gains
Included in Net Income		(20,000)
Total Other Comprehensive Loss	(12,000)	(39,000)
Comprehensive Income	$ 1,209,000	$ 1,100,000

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders’ Equity (Unaudited) - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	Unearned ESOP Stock [Member]	Unearned RRP Stock [Member]	Treasury Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Beginning balance at Dec. 31, 2013	$ 63,000	$ 63,533,000	$ (3,427,000)	$ (368,000)	$ (49,651,000)	$ 47,550,000	$ 239,000	$ 57,939,000
Ending balance at Jun. 30, 2014	63,000	63,549,000	(3,427,000)	(358,000)	(50,829,000)	48,437,000	200,000	57,635,000
Net Income						1,139,000		1,139,000
Deferred Income Taxes							(39,000)	(39,000)
Dividends Paid						(252,000)		(252,000)
Stock Purchased for Treasury					(1,178,000)			(1,178,000)
RRP Shares Earned		2,000		10,000				12,000
Stock Option Expense		14,000						14,000
Beginning balance at Dec. 31, 2014	63,000	63,563,000	(3,173,000)	(327,000)	(49,883,000)	47,949,000	205,000	58,397,000
Ending balance at Jun. 30, 2015	$ 63,000	63,562,000	$ (3,173,000)	(317,000)	(49,901,000)	48,808,000	193,000	59,235,000
Net Income						1,221,000		1,221,000
Deferred Income Taxes							$ (12,000)	(12,000)
Dividends Paid						$ (362,000)		(362,000)
Stock Purchased for Treasury					(91,000)			(91,000)
RRP Shares Earned		2,000		$ 10,000				12,000
Stock Options Exercised		(10,000)			$ 73,000			63,000
Stock Option Expense		$ 7,000						$ 7,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows from Operating Activities
Net Income	$ 1,221,000	$ 1,139,000
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Depreciation	156,000	136,000
Provision for Loan Losses	117,000	65,000
Net Increase in RRP Shares Earned	12,000	12,000
Stock Option Plan Expense	7,000	14,000
Net Premium Amortization	35,000	33,000
Deferred Income Tax Benefit	(19,000)	(152,000)
Gain on Sale of Securities		(30,000)
Gain on Sale of Loans	(467,000)	(323,000)
Originations of Loans Held-for-Sale	(24,067,000)	(8,750,000)
Proceeds from Sales of Loans Held-for-Sale	22,813,000	10,597,000
Net Increase (Decrease) in Loans Held-for-Sale	1,456,000	(448,000)
(Decrease) Increase in Accrued Interest Receivable	(25,000)	11,000
Impairment of Other Real Estate Owned		28,000
Decrease in Other Assets	(45,000)	(92,000)
Decrease in Accrued Interest Payable	(12,000)	(6,000)
Increase in Other Liabilities	884,000	699,000
Net Cash Provided by Operating Activities	2,066,000	2,933,000
Cash Flows from Investing Activities
Purchase of Securities Available-for-Sale		(1,500,000)
Purchase of Securities Held-to-Maturity		(2,883,000)
Proceeds from Maturities of Securities Available-for-Sale	360,000	4,037,000
Proceeds from Maturities of Securities Held-to-Maturity	4,385,000	5,270,000
Proceeds from Sale of Securities Available-for-Sale		80,000
Net Increase in Loans Receivable	(13,279,000)	(9,226,000)
Purchase of Property and Equipment	(453,000)	(189,000)
Proceeds from Sale of Foreclosed Assets		23,000
Net Increase in Investment in Federal Home Loan Bank Stock	(86,000)	(85,000)
Net Cash Used in Investing Activities	(9,073,000)	(4,473,000)
Cash Flows from Financing Activities
Increase (Decrease) in Deposits	11,062,000	(3,870,000)
Decrease in Advances by Borrowers for Taxes and Insurance	(414,000)	(356,000)
Increase in Borrowings	2,418,000	4,411,000
Purchase of Treasury stock	(91,000)	(1,178,000)
Dividends Paid	(362,000)	(252,000)
Proceeds from Exercise of Stock Options	63,000
Net Cash Provided by (Used In) Financing Activities	12,676,000	(1,245,000)
Net Increase (Decrease) in Cash and Cash Equivalents	5,669,000	(2,785,000)
Cash and Cash Equivalents, Beginning of Year	5,048,000	6,964,000
Cash and Cash Equivalents, End of Period	10,717,000	4,179,000
Cash Paid During the Period:
Interest	1,113,000	1,326,000
Income Taxes	$ 696,000	466,000
Loans Transferred to Other Real Estate Owned During the Period		$ 265,000

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block]	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF PRESENTATION The accompanying unaudited financial statements of the Company were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with accounting principles generally accepted in the United States (“U.S. GAAP”). However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three month and six month periods ended June 30, 2015 are not necessarily indicative of the results which may be expected for the entire fiscal year. NATURE OF OPERATIONS Louisiana Bancorp, Inc. (the “Company”) was organized as a Louisiana corporation on March 16, 2007, for the purpose of becoming the holding company of Bank of New Orleans (the “Bank”). The Company holds all of the issued and outstanding shares of capital stock of the Bank. The Bank operates in the banking/savings and loan industry and, as such, attracts deposits from the general public and uses such deposits primarily to originate loans secured by first mortgage loans on owner-occupied single-family residences and other properties, as well as those for consumer needs. On June 18, 2015, the Company entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Home Bancorp, Inc. (“Home Bancorp”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth in the Merger Agreement, Home Bancorp will acquire the Company through a reverse merger of a newly created, wholly-owned subsidiary of Home Bancorp into the Company (the “Merger”). Immediately after the first merger, the Company will merge with and into Home Bancorp, with Home Bancorp being the surviving corporation. Promptly following the completion of the holding company merger, the Bank will merge into Home Bank, N.A., a national bank and wholly-owned subsidiary of Home Bancorp, with Home Bank, N.A. surviving. Subject to the terms and conditions of the Merger Agreement, upon completion of the Merger, shareholders of the Company will receive $24.25 in cash for each outstanding share of common stock of the Company. The Merger Agreement contains customary representations and warranties from both the Company and Home Bancorp, and each have agreed to customary covenants. Subject to the receipt of all required approvals, including approval by the Company’s shareholders and all required regulatory approvals, and the satisfaction of all other conditions, the Merger is expected to be completed in the fourth quarter of 2015. The Merger Agreement contains certain termination rights for the Company and Home Bancorp, as the case may be. The Bank is subject to competition from other financial institutions, and is also subject to the regulations of certain Federal agencies and undergoes periodic examinations by those regulatory authorities. SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the greater New Orleans area in Louisiana. Note 2 summarizes the types of securities in which the Company invests. Note 3 summarizes the types of lending in which the Company engages. The Company does not have any significant concentrations in any one industry or to any one customer. INVESTMENT SECURITIES Securities are being accounted for in accordance with Accounting Standards Codification (“ASC”) 320-10, Investments – Debt and Equity Securities. Available-for-sale securities are stated at market value, with unrealized gains and losses, net of income taxes, reported as a separate component of accumulated other comprehensive income until realized. The amortized cost of available-for-sale debt securities is adjusted for amortization of premiums and accretion of discounts to maturity or, in the case of mortgage-backed securities, over the estimated life of the security. Securities designated as held-to-maturity are stated at cost adjusted for amortization of the related premiums and accretion of discounts, using the interest method. The Company has the positive intent and ability to hold these securities to maturity. The Company held no trading securities as of June 30, 2015 or December 31, 2014. Amortization, accretion and accrued interest are included in interest income on securities. Realized gains and losses, and declines in value judged to be other than temporary, are included in net securities gains or losses. Gains and losses on the sale of securities available-for-sale are determined using the specific-identification method. LOANS The Company grants one-to four-family, multi-family residential, commercial, and land mortgage loans, and consumer and construction loans, and lines of credit to customers. Certain first mortgage loans are originated and sold under loan sale agreements. A substantial portion of the loan portfolio is represented by mortgage loans secured by properties located throughout the greater New Orleans area. The ability of the Company’s debtors to honor their contracts is dependent, in part, upon real estate values and general economic conditions in this area. Loans are reported at their outstanding unpaid principal balance adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. When the payment of principal or interest on a loan is delinquent for more than 90 days, or earlier in some cases, the loan is placed on non-accrual status, unless the loan is in the process of collection and the underlying collateral fully supports the carrying value of the loan. If the decision is made to continue accruing interest on the loan, periodic reviews are made to confirm the accruing status of the loan. All interest accrued but not collected on loans placed in non-accrual status or on loans charged-off, is reversed against income. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual basis. Loans are returned to accrual basis when all of the principal and interest contractually due are brought current and future payments are reasonably assured. The Company considers a loan to be impaired when, based upon current information and events, it believes it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. The Company’s impaired loans include performing and non-performing loans on which full payment of principal or interest is not expected. The Company calculates an allowance required for impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or at the loan’s observable market price or the fair value of its collateral. ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is a valuation allowance available for losses incurred on loans. All losses are charged to the allowance for loan losses when the loss actually occurs or when a determination is made that a loss is likely to occur. Recoveries are credited to the allowance at the time of recovery. The allowance is an amount that represents the amount of probable and reasonably estimable known and inherent losses in the loan portfolio, based on evaluations of the collectibility of loans. The evaluations take into consideration such factors as changes in the types and amount of loans in the loan portfolio, historical loss experience, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, estimated losses relating to specifically identified loans, and current economic conditions. This evaluation is inherently subjective as it requires material estimates including, among others, exposure at default, the amount and timing of expected future cash flows on impacted loans, value of collateral, estimated losses on our commercial and residential loan portfolios and general amounts for historical loss experience. All of these estimates may be susceptible to significant change. It should be understood that estimates of future loan losses involve an exercise of judgment. While it is possible that in particular periods, the Company may sustain losses which are substantial relative to the allowance for loan losses, it is the judgment of management that the allowance for loan losses reflected in the accompanying statements of condition is appropriate under U.S. GAAP. LOANS HELD-FOR-SALE Loans held-for-sale include originated mortgage loans intended for sale in the secondary market, which are carried at the lower of cost or estimated market value. Loans held-for-sale are identified at the time of origination, in accordance with the Company’s interest rate risk strategy. In addition, the Company occasionally sells loans that it originates, but cannot hold, due to regulatory limitations on loans to one borrower or concentrations of credit in a particular property type or industry. LOAN FEES, LOAN COSTS, DISCOUNTS AND PREMIUMS Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized as an adjustment to the related loan’s yield using the interest method over the contractual life of the loan. Discounts received in connection with mortgage loans purchased are accreted to income over the term of the loan using the interest method. Premiums on purchased loans are amortized over the term of the loan using the interest method. INCOME TAXES Deferred income tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. COMPREHENSIVE INCOME Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the shareholders’ equity section of the balance sheets, such items, along with income, are components of comprehensive income. USE OF ESTIMATES In preparing financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for losses on loans and deferred taxes.

Note 2 - Securities

Note 2 - Securities	6 Months Ended
	Jun. 30, 2015
Investments Schedule [Abstract]
Investment [Text Block]	NOTE 2 – SECURITIES A summary of securities classified as available-for-sale at June 30, 2015 and December 31, 2014, with gross unrealized gains and losses, follows: June 30, 2015 Amortized Gross Gross Estimated (In Thousands) Securities Available-for-Sale Mortgage-Backed Securities GNMA $ 1 $ - $ - $ 1 FNMA 1,207 92 - 1,299 FHLMC 722 52 - 774 1,930 144 - 2,074 Equity Securities 133 148 - 281 Total $ 2,063 $ 292 $ - $ 2,355 December 31, 2014 Amortized Gross Gross Estimated (In Thousands) Securities Available-for-Sale Mortgage-Backed Securities GNMA $ 1 $ - $ - $ 1 FNMA 1,426 106 - 1,532 FHLMC 862 63 - 925 2,289 169 - 2,458 Equity Securities 133 142 - 275 Total $ 2,422 $ 311 $ - $ 2,733 A summary of securities classified as held-to-maturity at June 30, 2015 and December 31, 2014, with gross unrealized gains and losses, follows: June 30, 2015 Amortized Gross Gross Estimated (In Thousands) Securities Held-to-Maturity Mortgage-Backed Securities GNMA $ 2,237 $ 76 $ - $ 2,313 FNMA 12,271 557 - 12,828 FHLMC 3,938 358 - 4,296 18,446 991 - 19,437 Collateralized Mortgage Obligations FNMA 6,315 30 - 6,345 FHLMC 7,918 76 - 7,994 14,233 106 - 14,339 Municipal Bond Obligations General Obligation Bonds 2,879 23 (25 ) 2,877 Total $ 35,558 $ 1,120 $ (25 ) $ 36,653 December 31, 2014 Amortized Gross Gross Estimated (In Thousands) Securities Held-to-Maturity Mortgage-Backed Securities GNMA $ 2,426 $ 85 $ - $ 2,511 FNMA 13,989 667 - 14,656 FHLMC 4,572 427 - 4,999 20,987 1,179 - 22,166 Collateralized Mortgage Obligations FNMA 7,162 5 (12 ) 7,155 FHLMC 8,949 58 - 9,007 16,111 63 (12 ) 16,162 Municipal Bond Obligations General Obligation Bonds 2,881 60 - 2,941 Total $ 39,979 $ 1,302 $ (12 ) $ 41,269 The following table reflects the amortized cost and fair value of available-for-sale and held-to-maturity securities by contractual maturity, and of our equity securities (which do not have maturities), as of June 30, 2015. Actual maturities will differ from contractual maturities because borrowers have the right to put or prepay obligations with or without call or prepayment penalties. Available-for-Sale Securities Held-to-Maturity Securities Amortized Estimated Amortized Estimated (In Thousands) Amounts Maturing in: Less than One Year $ - $ - $ - $ - One to Five Years 891 941 1,492 1,562 Five to Ten Years 1,039 1,133 2,871 3,072 Over Ten Years - - 31,195 32,019 1,930 2,074 35,558 36,653 Equity Securities 133 281 - - Total $ 2,063 $ 2,355 $ 35,558 $ 36,653 At June 30, 2015 and December 31, 2014, the Company held no available-for-sale securities that had unrealized losses. The following table reflects our held-to-maturity securities with unrealized losses at June 30, 2015 and December 31, 2014. Held-to-Maturity Losses Less Than 12 Months Losses Greater Than 12 Months Gross Estimated Gross Estimated (In Thousands) June 30, 2015 Collateralized Mortgage Obligations FNMA $ - $ - $ - $ - FHLMC - - - - - - - - Municipal Obligations General Obligation Bonds 25 1,181 - - Total $ 25 $ 1,181 $ - $ - December 31, 2014 Collateralized Mortgage Obligations FNMA $ 12 $ 4,776 $ - $ - FHLMC - - - - 12 4,776 - - Municipal Obligations General Obligation Bonds - - Total $ 12 $ 4,776 $ - $ -

Note 3 - Loans

Note 3 - Loans	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 3 – LOANS The following table summarizes the composition of our total net loans receivable: June 30, 2015 December 31, 2014 (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 163,044 $ 161,134 Home Equity Loans and Lines 38,867 32,346 Multi-family Residential 22,174 20,844 Commercial Real Estate 65,374 61,874 Land 99 17 Total Loans Secured by Real Estate 289,558 276,215 Consumer and Other Loans Loans Secured by Deposits 382 350 Other 504 332 Total Consumer and Other Loans 886 682 Less: Allowance for Loan Losses (2,492 ) (2,368 ) Net Deferred Loan Origination Fees/Costs 401 397 Total Loans, Net $ 288,353 $ 274,926 A summary of our current, past due and nonaccrual loans as of June 30, 2015 and December 31, 2014 follows: June 30, 2015 30-89 Days 90 Days Nonaccrual Total Current Total Real Estate Secured Loans (In Thousands) 1-4 Family Residential $ - $ - $ 696 $ 696 $ 162,348 $ 163,044 Home Equity Loans and Lines 14 - 84 98 38,769 38,867 Multi-family Residential - - - - 22,174 22,174 Commercial Real Estate - - 719 719 64,655 65,374 Land - - - - 99 99 Consumer and Other Loans - - 5 5 881 886 Total $ 14 $ - $ 1,504 $ 1,518 $ 288,926 $ 290,444 December 31, 2014 30-89 Days 90 Days Nonaccrual Total Current Total Real Estate Secured Loans (in Thousands) 1-4 Family Residential $ 807 $ - $ 102 $ 909 $ 160,225 $ 161,134 Home Equity Loans and Lines 18 - 76 94 32,252 32,346 Multi-family Residential - - - - 20,844 20,844 Commercial Real Estate - - 783 783 61,091 61,874 Land - - - - 17 17 Consumer and Other Loans - - - - 682 682 Total $ 825 $ - $ 961 $ 1,786 $ 275,111 $ 276,897 An analysis of the allowance for loan losses follows: Six Months Ended Year Ended (In Thousands) Balance, Beginning of Period $ 2,368 $ 2,221 Provision for Loan Losses 117 189 Charge-Offs (14 ) (113 ) Loan Recoveries 21 71 Balance, End of Period $ 2,492 $ 2,368 The following table details the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2015 and June 30, 2014. Real Estate Secured Mortgage Loans June 30, 2015 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total (In Thousands) Balance, Beginning of Year $ 1,326 $ 288 $ 184 $ 563 $ 1 $ 6 $ 2,368 Provision for Loan Losses 1 62 10 31 - 13 117 Charge-Offs - (2 ) - - - (12 ) (14 ) Recoveries of prior charge-offs 7 9 - - - 5 21 Balance, End of Period $ 1,334 $ 357 $ 194 $ 594 $ 1 $ 12 $ 2,492 Ending Balance Allocated to: Loans individually evaluated for impairment $ 15 $ 10 $ - $ - $ - $ 5 $ 30 Loans collectively evaluated for impairment 1,319 347 194 594 1 7 2,462 $ 1,334 $ 357 $ 194 $ 594 $ 1 $ 12 $ 2,492 Ending Loan Balance Disaggregated by Evaluation Method Loans individually evaluated for impairment $ 696 $ 84 $ - $ 719 $ - $ 5 $ 1,504 Loans collectively evaluated for impairment 162,348 38,783 22,174 64,655 99 881 288,940 $ 163,044 $ 38,867 $ 22,174 $ 65,374 $ 99 $ 886 $ 290,444 Real Estate Secured Mortgage Loans June 30, 2014 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total (In Thousands) Balance, Beginning of Year $ 1,126 $ 253 $ 190 $ 642 $ 2 $ 8 $ 2,221 Provision for Loan Losses 51 31 (12 ) (1 ) (1 ) (3 ) 65 Charge-Offs - (1 ) - (99 ) - (9 ) (109 ) Recoveries of prior charge-offs 7 3 - - - 11 21 Balance, End of Period $ 1,184 $ 286 $ 178 $ 542 $ 1 $ 7 $ 2,198 Ending Balance Allocated to: Loans individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - Loans collectively evaluated for impairment 1,184 286 178 542 1 7 2,198 $ 1,184 $ 286 $ 178 $ 542 $ 1 $ 7 $ 2,198 Ending Loan Balance Disaggregated by Evaluation Method Loans individually evaluated for impairment $ 112 $ 95 $ - $ 847 $ - $ - $ 1,054 Loans collectively evaluated for impairment 145,265 31,843 20,190 58,053 18 852 256,221 $ 145,377 $ 31,938 $ 20,190 $ 58,900 $ 18 $ 852 $ 257,275 A summary of the loans evaluated for possible impairment follows: June 30, 2015 December 31, 2014 (In Thousands) Impaired Loans Requiring a Loss Allowance $ 133 $ 111 Impaired Loans not Requiring a Loss Allowance 1,371 850 Total Impaired Loans $ 1,504 $ 961 Loss Allowance on Impaired Loans $ 30 $ 17 At June 30, 2015 and December 31, 2014, all impaired loans were on nonaccrual status. The Bank did not hold any renegotiated loans on these dates. The amount of foregone interest on nonaccrual loans at June 30, 2015 and December 31, 2014, was approximately $38,000 and $9,000, respectively. The following table summarizes our impaired loans by portfolio segment as of the dates indicated. As of June 30, 2015 Recorded Unpaid Related Average Interest Impaired loans with no related allowance: (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 604 $ 604 $ - $ 606 $ - Home Equity Loans and Lines 48 48 - 44 - Multi-family Residential - - - - - Commercial Real Estate 719 719 - 735 - Land - - - - - Consumer and Other Loans - - - - - Total $ 1,371 $ 1,371 $ - $ 1,385 $ - Impaired loans with a related allowance: Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 92 $ 92 $ 15 $ 92 $ - Home Equity Loans and Lines 36 36 10 36 - Multi-family Residential - - - - - Commercial Real Estate - - - - - Land - - - - - Consumer and Other Loans 5 5 5 3 - Total $ 133 $ 133 $ 30 $ 131 $ - Total Impaired Loans Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 696 $ 696 $ 15 $ 698 $ - Home Equity Loans and Lines 84 84 10 80 - Multi-family Residential - - - - - Commercial Real Estate 719 719 - 735 - Land - - - - - Consumer and Other Loans 5 5 5 3 - Total $ 1,504 $ 1,504 $ 30 $ 1,516 $ - As of December 31, 2014 Recorded Unpaid Related Average Interest Impaired loans with no related allowance: (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 10 $ 10 $ - $ 53 $ - Home Equity Loans and Lines 57 57 - 70 4 Multi-family Residential - - - - - Commercial Real Estate 783 783 - 953 - Land - - - - - Consumer and Other Loans - - - - - Total $ 850 $ 850 $ - $ 1,076 $ 4 Impaired loans with a related allowance: Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 92 $ 92 $ 15 $ 18 $ 1 Home Equity Loans and Lines 19 19 2 4 1 Multi-family Residential - - - - - Commercial Real Estate - - - 40 - Land - - - - - Consumer and Other Loans - - - - - Total $ 111 $ 111 $ 17 $ 62 $ 2 Total Impaired Loans Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 102 $ 102 $ 15 $ 71 $ 1 Home Equity Loans and Lines 76 76 2 74 5 Multi-family Residential - - - - - Commercial Real Estate 783 783 - 993 - Land - - - - - Consumer and Other Loans - - - - - Total $ 961 $ 961 $ 17 $ 1,138 $ 6 The following table summarizes the credit grades assigned by the Company to our loan portfolio as of June 30, 2015 and December 31, 2014. Additional information related to the criteria used to assess these risk ratings can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2014. These balances are presented gross of any allowance for loan loss. Real Estate Secured Mortgage Loans June 30, 2015 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total Credit Classification: (In Thousands) Pass $ 162,348 $ 38,783 $ 22,174 $ 64,655 $ 99 $ 881 $ 288,940 Special Mention - - - - - - - Substandard 681 74 - 719 - - 1,474 Doubtful - - - - - - - Loss 15 10 - - - 5 30 Total $ 163,044 $ 38,867 $ 22,174 $ 65,374 $ 99 $ 886 $ 290,444 Real Estate Secured Mortgage Loans December 31, 2014 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total Credit Classification: (In Thousands) Pass $ 160,127 $ 32,022 $ 20,844 $ 61,091 $ 17 $ 682 $ 274,783 Special Mention 307 248 - - - - 555 Substandard 685 74 - 783 - - 1,542 Doubtful - - - - - - - Loss 15 2 - - - - 17 Total $ 161,134 $ 32,346 $ 20,844 $ 61,874 $ 17 $ 682 $ 276,897

Note 4 - Earnings Per Common Sh

Note 4 - Earnings Per Common Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	NOTE 4 – EARNINGS PER COMMON SHARE Earnings per common share (“EPS”) are computed using the weighted average number of shares outstanding as prescribed in FASB ASC 260-10, Earnings per Share Three Months Ended Six Months Ended 2015 2014 2015 2014 Net Income $ 552,000 $ 519,000 $ 1,221,000 $ 1,139,000 Weighted Average Shares Issued 6,345,732 6,345,732 6,345,732 6,345,732 Weighted Average Unearned ESOP Shares (317,289 ) (342,672 ) (317,289 ) (342,672 ) Weighted Average Unearned RRP Shares (25,598 ) (28,898 ) (25,799 ) (29,099 ) Weighted Average Treasury Shares (3,441,661 ) (3,501,464 ) (3,441,595 ) (3,489,556 ) Weighted Average Shares Outstanding for Basic EPS 2,561,184 2,472,698 2,561,049 2,484,405 Earnings per Share, Basic $ 0.22 $ 0.21 $ 0.48 $ 0.46 Weighted Average Shares Outstanding for Basic EPS 2,561,184 2,472,698 2,561,049 2,484,405 Effect of Dilutive Securities 144,176 174,790 146,422 167,552 Weighted Average Shares Outstanding for Diluted EPS 2,705,360 2,647,488 2,707,471 2,651,957 Earnings per Share, Diluted $ 0.20 $ 0.20 $ 0.45 $ 0.43

Note 5 - Regulatory Capital

Note 5 - Regulatory Capital	6 Months Ended
	Jun. 30, 2015
Disclosure Text Block [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE 5 – REGULATORY CAPITAL The federal banking agencies have adopted regulations that substantially amend the capital regulations currently applicable to us. These regulations implement the Basel III regulatory capital reforms and changes required by the Dodd-Frank Act. Effective January 1, 2015 (with some changes transitioned into full effectiveness over two to four years), the Bank became subject to new capital requirements adopted by the OCC. These new requirements create a new required ratio for common equity Tier 1 ("CETI") capital, increase the leverage and Tier 1 capital ratios, change the risk weight of certain assets for purposes of the risk-based capital ratios, create an additional capital conservation buffer over the required capital ratios and change what qualifies as capital for purposes of meeting these various capital requirements. Beginning in 2016, failure to maintain the required capital conservation buffer will limit the ability of the Bank to pay dividends, repurchase shares or pay discretionary bonuses. The Company is exempt from consolidated capital requirements as those requirements do not apply to certain small bank holding companies with assets under $1 billion. Under the new capital regulations, the minimum capital ratios are: (1) CETI capital ratio of 4.5% of risk-weighted assets; (2) a Tier 1 capital ratio of 6.0% of risk-weighted assets; (3) a total capital ratio of 8.0% of risk-weighted assets; and (4) a leverage ratio of 4.0%. CETI generally consists of common stock and retained earnings, subject to applicable regulatory adjustments and deductions. There are a number of changes in what constitutes regulatory capital, some of which are subject to transition periods. These changes include the phasing-out of certain instruments as qualifying capital. The Bank does not use any of these instruments. Under the new requirements for total capital, Tier 2 capital is no longer limited to the amount of Tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of CETI will be deducted from capital. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in our capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on our regulatory capital levels. The new requirements also include changes in the risk-weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (increased from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in non-accrual status; a 20% (increased from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable; a 250% risk weight (increased from 100%) for mortgage servicing and deferred tax assets that are not deducted from capital; and increased risk weights (0% to 600%) for equity exposures. In addition to the minimum CETI, Tier 1 and total capital ratios, the Bank will have to maintain a capital conservation buffer consisting of additional CETI capital greater than 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented in January 2019. The OCC's prompt corrective action standards changed effective January 1, 2015. Under the new standards, in order to be considered well-capitalized, the Bank must have a CETI ratio of 6.5% (new), a Tier 1 ratio of 8.0% (increased from 6.0%), a total risk-based capital ratio of 10.0% (unchanged) and a leverage ratio of 5.0% (unchanged). The Bank meets all these new requirements, including the full capital conservation buffer. The Bank’s actual capital amounts and ratios and those required by the regulatory standards in effect as of the dates presented are as follows: Actual Minimum for Adequacy Minimum to be Well Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) June 30, 2015 Core/Leverage Capital $ 49,650 14.88 % $ 13,348 4.00 % $ 16,685 5.00 % CET1 Capital 49,650 23.30 % 9,588 4.50 % 13,849 6.50 % Tier 1 Risk-Based Capital 49,650 23.30 % 12,783 6.00 % 17,045 8.00 % Total Risk-Based Capital 52,142 24.47 % 17,045 8.00 % 21,306 10.00 % December 31, 2014 Core/Leverage Capital $ 48,054 14.46 % $ 9,970 3.00 % $ 16,617 5.00 % Tier 1 Risk-Based Capital 48,054 23.79 % 8,081 4.00 % 12,121 6.00 % Total Risk-Based Capital 50,422 24.96 % 16,162 8.00 % 20,202 10.00 % The Bank’s capital under accounting principles generally accepted in the United States (“GAAP”) is reconciled to its regulatory capital as follows: June 30, 2015 December 31, 2014 (In Thousands) Capital Under GAAP $ 49,733 $ 48,150 Unrealized Gains on Available-for-Sale Securities (83 ) (96 ) Tier 1 Capital and CET1 Capital 49,650 48,054 Allowance for Loan Losses 2,492 2,368 Total Risk-Based Capital $ 52,142 $ 50,422

Note 6 - Fair Value of Financia

Note 6 - Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	NOTE 6 – FAIR VALUE OF FINANCIAL INSTRUMENTS The Company follows the guidance provided in FASB ASC 820, Fair Value Measurements, FASB ASC 820 defines fair value as the price that would be received upon sale of an asset or paid upon transfer of a liability in an orderly transaction between market participants at the measurement date and in the principal or most advantageous market for that asset or liability. The fair value should be calculated based on assumptions that market participants would use in pricing the asset or liability, not on assumptions specific to the entity. In addition, the fair value of liabilities should include consideration of non-performance risk including our own credit risk. In addition to defining fair value, FASB ASC 820 expands the disclosure requirements regarding fair value and establishes a fair value hierarchy for valuation inputs. The hierarchy prioritizes the inputs into three levels based on the extent to which inputs used in measuring fair value are observable in the market. The level in the fair value hierarchy within which a fair value measurement falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety. These levels are: · Level 1 - Quoted prices for identical assets or liabilities in active markets. · Level 2 - Observable inputs other than quoted prices included within Level 1, such as quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, or other inputs that are observable in the market or can be corroborated by observable market data · Level 3 - Inputs are generally unobservable and typically reflect management’s estimates of assumptions that market participants would use in pricing the asset or liability. The fair values are therefore determined using model-based techniques that include option pricing models, discounted cash flow models, and similar techniques. The following table presents the Company’s assets measured at fair value on a recurring basis at June 30, 2015 and December 31, 2014. All of the mortgage-backed securities reported at fair value on June 30, 2015, and December 31, 2014, were secured by first mortgage loans on residential real estate. Fair Value Measurements June 30, 2015 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Available-for-Sale Securities Mortgage-Backed Securities $ 2,074 $ - $ 2,074 $ - Equity Securities 281 281 - - Loans Held-for-Sale 2,076 - 2,076 - Total $ 4,431 $ 281 $ 4,150 $ - Fair Value Measurements December 31, 2014 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Available-for-Sale Securities Mortgage-Backed Securities $ 2,458 $ - $ 2,458 $ - Equity Securities 275 275 - - Loans Held-for-Sale 620 - 620 - Total $ 3,353 $ 275 $ 3,078 $ - The Company did not record any liabilities at fair market value for which measurement of the fair value was made on a recurring basis at June 30, 2015 or December 31, 2014. The following table presents the Company’s assets measured at fair value on a non-recurring basis at June 30, 2015 and December 31, 2014. Fair Value Measurements June 30, 2015 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Impaired Loans, Net of Allowance $ 1,474 $ - $ - $ 1,474 Total $ 1,474 $ - $ - $ 1,474 Fair Value Measurements December 31, 2014 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Impaired Loans, Net of Allowance $ 944 $ - $ - $ 944 Total $ 944 $ - $ - $ 944 The Company did not record any liabilities at fair market value for which measurement of the fair value was made on a non-recurring basis at June 30, 2015 or December 31, 2014. FASB ASC 825, Financial Instruments June 30, 2015 December 31, 2014 Carrying Fair Carrying Fair (In Thousands) Financial Assets Cash and Cash Equivalents $ 10,717 $ 10,717 $ 5,048 $ 5,048 Certificates of Deposit 481 478 481 482 Securities 37,913 39,008 42,712 44,002 Loans 290,844 295,254 277,294 281,908 Less Allowance for Loan Losses (2,492 ) (2,492 ) (2,368 ) (2,368 ) Loans, Net of Allowance 288,352 292,762 274,926 279,540 Federal Home Loan Bank Stock 3,331 3,331 3,245 3,245 Financial Liabilities Deposits $ 204,159 $ 205,333 $ 193,098 $ 204,304 Borrowings 77,928 77,669 75,509 74,538 Unrecognized Financial Instruments Commitments to Extend Credit $ 43,030 $ 43,132 $ 47,017 $ 47,154

Note 7 - Subsequent Events

Note 7 - Subsequent Events	6 Months Ended
	Jun. 30, 2015
Subsequent Events [Abstract]
Subsequent Events [Text Block]	NOTE 7 – SUBSEQUENT EVENTS Subsequent Events

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	BASIS OF PRESENTATION The accompanying unaudited financial statements of the Company were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with accounting principles generally accepted in the United States (“U.S. GAAP”). However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. The results of operations for the three month and six month periods ended June 30, 2015 are not necessarily indicative of the results which may be expected for the entire fiscal year.
Concentration Risk, Credit Risk, Policy [Policy Text Block]	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company’s activities are with customers located within the greater New Orleans area in Louisiana. Note 2 summarizes the types of securities in which the Company invests. Note 3 summarizes the types of lending in which the Company engages. The Company does not have any significant concentrations in any one industry or to any one customer.
Investment, Policy [Policy Text Block]	INVESTMENT SECURITIES Securities are being accounted for in accordance with Accounting Standards Codification (“ASC”) 320-10, Investments – Debt and Equity Securities. Available-for-sale securities are stated at market value, with unrealized gains and losses, net of income taxes, reported as a separate component of accumulated other comprehensive income until realized. The amortized cost of available-for-sale debt securities is adjusted for amortization of premiums and accretion of discounts to maturity or, in the case of mortgage-backed securities, over the estimated life of the security. Securities designated as held-to-maturity are stated at cost adjusted for amortization of the related premiums and accretion of discounts, using the interest method. The Company has the positive intent and ability to hold these securities to maturity. The Company held no trading securities as of June 30, 2015 or December 31, 2014. Amortization, accretion and accrued interest are included in interest income on securities. Realized gains and losses, and declines in value judged to be other than temporary, are included in net securities gains or losses. Gains and losses on the sale of securities available-for-sale are determined using the specific-identification method.
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	LOANS The Company grants one-to four-family, multi-family residential, commercial, and land mortgage loans, and consumer and construction loans, and lines of credit to customers. Certain first mortgage loans are originated and sold under loan sale agreements. A substantial portion of the loan portfolio is represented by mortgage loans secured by properties located throughout the greater New Orleans area. The ability of the Company’s debtors to honor their contracts is dependent, in part, upon real estate values and general economic conditions in this area. Loans are reported at their outstanding unpaid principal balance adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. When the payment of principal or interest on a loan is delinquent for more than 90 days, or earlier in some cases, the loan is placed on non-accrual status, unless the loan is in the process of collection and the underlying collateral fully supports the carrying value of the loan. If the decision is made to continue accruing interest on the loan, periodic reviews are made to confirm the accruing status of the loan. All interest accrued but not collected on loans placed in non-accrual status or on loans charged-off, is reversed against income. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual basis. Loans are returned to accrual basis when all of the principal and interest contractually due are brought current and future payments are reasonably assured. The Company considers a loan to be impaired when, based upon current information and events, it believes it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. The Company’s impaired loans include performing and non-performing loans on which full payment of principal or interest is not expected. The Company calculates an allowance required for impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or at the loan’s observable market price or the fair value of its collateral.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is a valuation allowance available for losses incurred on loans. All losses are charged to the allowance for loan losses when the loss actually occurs or when a determination is made that a loss is likely to occur. Recoveries are credited to the allowance at the time of recovery. The allowance is an amount that represents the amount of probable and reasonably estimable known and inherent losses in the loan portfolio, based on evaluations of the collectibility of loans. The evaluations take into consideration such factors as changes in the types and amount of loans in the loan portfolio, historical loss experience, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, estimated losses relating to specifically identified loans, and current economic conditions. This evaluation is inherently subjective as it requires material estimates including, among others, exposure at default, the amount and timing of expected future cash flows on impacted loans, value of collateral, estimated losses on our commercial and residential loan portfolios and general amounts for historical loss experience. All of these estimates may be susceptible to significant change. It should be understood that estimates of future loan losses involve an exercise of judgment. While it is possible that in particular periods, the Company may sustain losses which are substantial relative to the allowance for loan losses, it is the judgment of management that the allowance for loan losses reflected in the accompanying statements of condition is appropriate under U.S. GAAP.
Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]	LOANS HELD-FOR-SALE Loans held-for-sale include originated mortgage loans intended for sale in the secondary market, which are carried at the lower of cost or estimated market value. Loans held-for-sale are identified at the time of origination, in accordance with the Company’s interest rate risk strategy. In addition, the Company occasionally sells loans that it originates, but cannot hold, due to regulatory limitations on loans to one borrower or concentrations of credit in a particular property type or industry.
Loans and Leases Receivable, Origination Fees, Discounts or Premiums, and Direct Costs to Acquire Loans Policy [Policy Text Block]	LOAN FEES, LOAN COSTS, DISCOUNTS AND PREMIUMS Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized as an adjustment to the related loan’s yield using the interest method over the contractual life of the loan. Discounts received in connection with mortgage loans purchased are accreted to income over the term of the loan using the interest method. Premiums on purchased loans are amortized over the term of the loan using the interest method.
Income Tax, Policy [Policy Text Block]	INCOME TAXES Deferred income tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Comprehensive Income, Policy [Policy Text Block]	COMPREHENSIVE INCOME Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the shareholders’ equity section of the balance sheets, such items, along with income, are components of comprehensive income.
Use of Estimates, Policy [Policy Text Block]	USE OF ESTIMATES In preparing financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheets and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for losses on loans and deferred taxes.

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Investments Schedule [Abstract]
Marketable Securities [Table Text Block]	June 30, 2015 Amortized Gross Gross Estimated (In Thousands) Securities Available-for-Sale Mortgage-Backed Securities GNMA $ 1 $ - $ - $ 1 FNMA 1,207 92 - 1,299 FHLMC 722 52 - 774 1,930 144 - 2,074 Equity Securities 133 148 - 281 Total $ 2,063 $ 292 $ - $ 2,355 December 31, 2014 Amortized Gross Gross Estimated (In Thousands) Securities Available-for-Sale Mortgage-Backed Securities GNMA $ 1 $ - $ - $ 1 FNMA 1,426 106 - 1,532 FHLMC 862 63 - 925 2,289 169 - 2,458 Equity Securities 133 142 - 275 Total $ 2,422 $ 311 $ - $ 2,733 June 30, 2015 Amortized Gross Gross Estimated (In Thousands) Securities Held-to-Maturity Mortgage-Backed Securities GNMA $ 2,237 $ 76 $ - $ 2,313 FNMA 12,271 557 - 12,828 FHLMC 3,938 358 - 4,296 18,446 991 - 19,437 Collateralized Mortgage Obligations FNMA 6,315 30 - 6,345 FHLMC 7,918 76 - 7,994 14,233 106 - 14,339 Municipal Bond Obligations General Obligation Bonds 2,879 23 (25 ) 2,877 Total $ 35,558 $ 1,120 $ (25 ) $ 36,653 December 31, 2014 Amortized Gross Gross Estimated (In Thousands) Securities Held-to-Maturity Mortgage-Backed Securities GNMA $ 2,426 $ 85 $ - $ 2,511 FNMA 13,989 667 - 14,656 FHLMC 4,572 427 - 4,999 20,987 1,179 - 22,166 Collateralized Mortgage Obligations FNMA 7,162 5 (12 ) 7,155 FHLMC 8,949 58 - 9,007 16,111 63 (12 ) 16,162 Municipal Bond Obligations General Obligation Bonds 2,881 60 - 2,941 Total $ 39,979 $ 1,302 $ (12 ) $ 41,269
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-Sale Securities Held-to-Maturity Securities Amortized Estimated Amortized Estimated (In Thousands) Amounts Maturing in: Less than One Year $ - $ - $ - $ - One to Five Years 891 941 1,492 1,562 Five to Ten Years 1,039 1,133 2,871 3,072 Over Ten Years - - 31,195 32,019 1,930 2,074 35,558 36,653 Equity Securities 133 281 - - Total $ 2,063 $ 2,355 $ 35,558 $ 36,653
Schedule of Unrealized Loss on Investments [Table Text Block]	Held-to-Maturity Losses Less Than 12 Months Losses Greater Than 12 Months Gross Estimated Gross Estimated (In Thousands) June 30, 2015 Collateralized Mortgage Obligations FNMA $ - $ - $ - $ - FHLMC - - - - - - - - Municipal Obligations General Obligation Bonds 25 1,181 - - Total $ 25 $ 1,181 $ - $ - December 31, 2014 Collateralized Mortgage Obligations FNMA $ 12 $ 4,776 $ - $ - FHLMC - - - - 12 4,776 - - Municipal Obligations General Obligation Bonds - - Total $ 12 $ 4,776 $ - $ -

Note 3 - Loans (Tables)

Note 3 - Loans (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	June 30, 2015 December 31, 2014 (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 163,044 $ 161,134 Home Equity Loans and Lines 38,867 32,346 Multi-family Residential 22,174 20,844 Commercial Real Estate 65,374 61,874 Land 99 17 Total Loans Secured by Real Estate 289,558 276,215 Consumer and Other Loans Loans Secured by Deposits 382 350 Other 504 332 Total Consumer and Other Loans 886 682 Less: Allowance for Loan Losses (2,492 ) (2,368 ) Net Deferred Loan Origination Fees/Costs 401 397 Total Loans, Net $ 288,353 $ 274,926
Past Due Financing Receivables [Table Text Block]	June 30, 2015 30-89 Days 90 Days Nonaccrual Total Current Total Real Estate Secured Loans (In Thousands) 1-4 Family Residential $ - $ - $ 696 $ 696 $ 162,348 $ 163,044 Home Equity Loans and Lines 14 - 84 98 38,769 38,867 Multi-family Residential - - - - 22,174 22,174 Commercial Real Estate - - 719 719 64,655 65,374 Land - - - - 99 99 Consumer and Other Loans - - 5 5 881 886 Total $ 14 $ - $ 1,504 $ 1,518 $ 288,926 $ 290,444 December 31, 2014 30-89 Days 90 Days Nonaccrual Total Current Total Real Estate Secured Loans (in Thousands) 1-4 Family Residential $ 807 $ - $ 102 $ 909 $ 160,225 $ 161,134 Home Equity Loans and Lines 18 - 76 94 32,252 32,346 Multi-family Residential - - - - 20,844 20,844 Commercial Real Estate - - 783 783 61,091 61,874 Land - - - - 17 17 Consumer and Other Loans - - - - 682 682 Total $ 825 $ - $ 961 $ 1,786 $ 275,111 $ 276,897
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Six Months Ended Year Ended (In Thousands) Balance, Beginning of Period $ 2,368 $ 2,221 Provision for Loan Losses 117 189 Charge-Offs (14 ) (113 ) Loan Recoveries 21 71 Balance, End of Period $ 2,492 $ 2,368
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	Real Estate Secured Mortgage Loans June 30, 2015 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total (In Thousands) Balance, Beginning of Year $ 1,326 $ 288 $ 184 $ 563 $ 1 $ 6 $ 2,368 Provision for Loan Losses 1 62 10 31 - 13 117 Charge-Offs - (2 ) - - - (12 ) (14 ) Recoveries of prior charge-offs 7 9 - - - 5 21 Balance, End of Period $ 1,334 $ 357 $ 194 $ 594 $ 1 $ 12 $ 2,492 Ending Balance Allocated to: Loans individually evaluated for impairment $ 15 $ 10 $ - $ - $ - $ 5 $ 30 Loans collectively evaluated for impairment 1,319 347 194 594 1 7 2,462 $ 1,334 $ 357 $ 194 $ 594 $ 1 $ 12 $ 2,492 Ending Loan Balance Disaggregated by Evaluation Method Loans individually evaluated for impairment $ 696 $ 84 $ - $ 719 $ - $ 5 $ 1,504 Loans collectively evaluated for impairment 162,348 38,783 22,174 64,655 99 881 288,940 $ 163,044 $ 38,867 $ 22,174 $ 65,374 $ 99 $ 886 $ 290,444 Real Estate Secured Mortgage Loans June 30, 2014 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total (In Thousands) Balance, Beginning of Year $ 1,126 $ 253 $ 190 $ 642 $ 2 $ 8 $ 2,221 Provision for Loan Losses 51 31 (12 ) (1 ) (1 ) (3 ) 65 Charge-Offs - (1 ) - (99 ) - (9 ) (109 ) Recoveries of prior charge-offs 7 3 - - - 11 21 Balance, End of Period $ 1,184 $ 286 $ 178 $ 542 $ 1 $ 7 $ 2,198 Ending Balance Allocated to: Loans individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - Loans collectively evaluated for impairment 1,184 286 178 542 1 7 2,198 $ 1,184 $ 286 $ 178 $ 542 $ 1 $ 7 $ 2,198 Ending Loan Balance Disaggregated by Evaluation Method Loans individually evaluated for impairment $ 112 $ 95 $ - $ 847 $ - $ - $ 1,054 Loans collectively evaluated for impairment 145,265 31,843 20,190 58,053 18 852 256,221 $ 145,377 $ 31,938 $ 20,190 $ 58,900 $ 18 $ 852 $ 257,275
Schedule of Loans Evaluated for Impairment [Table Text Block]	June 30, 2015 December 31, 2014 (In Thousands) Impaired Loans Requiring a Loss Allowance $ 133 $ 111 Impaired Loans not Requiring a Loss Allowance 1,371 850 Total Impaired Loans $ 1,504 $ 961 Loss Allowance on Impaired Loans $ 30 $ 17
Impaired Financing Receivables [Table Text Block]	As of June 30, 2015 Recorded Unpaid Related Average Interest Impaired loans with no related allowance: (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 604 $ 604 $ - $ 606 $ - Home Equity Loans and Lines 48 48 - 44 - Multi-family Residential - - - - - Commercial Real Estate 719 719 - 735 - Land - - - - - Consumer and Other Loans - - - - - Total $ 1,371 $ 1,371 $ - $ 1,385 $ - Impaired loans with a related allowance: Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 92 $ 92 $ 15 $ 92 $ - Home Equity Loans and Lines 36 36 10 36 - Multi-family Residential - - - - - Commercial Real Estate - - - - - Land - - - - - Consumer and Other Loans 5 5 5 3 - Total $ 133 $ 133 $ 30 $ 131 $ - Total Impaired Loans Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 696 $ 696 $ 15 $ 698 $ - Home Equity Loans and Lines 84 84 10 80 - Multi-family Residential - - - - - Commercial Real Estate 719 719 - 735 - Land - - - - - Consumer and Other Loans 5 5 5 3 - Total $ 1,504 $ 1,504 $ 30 $ 1,516 $ - As of December 31, 2014 Recorded Unpaid Related Average Interest Impaired loans with no related allowance: (In Thousands) Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 10 $ 10 $ - $ 53 $ - Home Equity Loans and Lines 57 57 - 70 4 Multi-family Residential - - - - - Commercial Real Estate 783 783 - 953 - Land - - - - - Consumer and Other Loans - - - - - Total $ 850 $ 850 $ - $ 1,076 $ 4 Impaired loans with a related allowance: Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 92 $ 92 $ 15 $ 18 $ 1 Home Equity Loans and Lines 19 19 2 4 1 Multi-family Residential - - - - - Commercial Real Estate - - - 40 - Land - - - - - Consumer and Other Loans - - - - - Total $ 111 $ 111 $ 17 $ 62 $ 2 Total Impaired Loans Loans Secured by Mortgages on Real Estate 1-4 Family Residential $ 102 $ 102 $ 15 $ 71 $ 1 Home Equity Loans and Lines 76 76 2 74 5 Multi-family Residential - - - - - Commercial Real Estate 783 783 - 993 - Land - - - - - Consumer and Other Loans - - - - - Total $ 961 $ 961 $ 17 $ 1,138 $ 6
Financing Receivable Credit Quality Indicators [Table Text Block]	Real Estate Secured Mortgage Loans June 30, 2015 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total Credit Classification: (In Thousands) Pass $ 162,348 $ 38,783 $ 22,174 $ 64,655 $ 99 $ 881 $ 288,940 Special Mention - - - - - - - Substandard 681 74 - 719 - - 1,474 Doubtful - - - - - - - Loss 15 10 - - - 5 30 Total $ 163,044 $ 38,867 $ 22,174 $ 65,374 $ 99 $ 886 $ 290,444 Real Estate Secured Mortgage Loans December 31, 2014 1-4 Family Home Equity Multi-Family Commercial Land Consumer Total Credit Classification: (In Thousands) Pass $ 160,127 $ 32,022 $ 20,844 $ 61,091 $ 17 $ 682 $ 274,783 Special Mention 307 248 - - - - 555 Substandard 685 74 - 783 - - 1,542 Doubtful - - - - - - - Loss 15 2 - - - - 17 Total $ 161,134 $ 32,346 $ 20,844 $ 61,874 $ 17 $ 682 $ 276,897

Note 4 - Earnings Per Common 18

Note 4 - Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended Six Months Ended 2015 2014 2015 2014 Net Income $ 552,000 $ 519,000 $ 1,221,000 $ 1,139,000 Weighted Average Shares Issued 6,345,732 6,345,732 6,345,732 6,345,732 Weighted Average Unearned ESOP Shares (317,289 ) (342,672 ) (317,289 ) (342,672 ) Weighted Average Unearned RRP Shares (25,598 ) (28,898 ) (25,799 ) (29,099 ) Weighted Average Treasury Shares (3,441,661 ) (3,501,464 ) (3,441,595 ) (3,489,556 ) Weighted Average Shares Outstanding for Basic EPS 2,561,184 2,472,698 2,561,049 2,484,405 Earnings per Share, Basic $ 0.22 $ 0.21 $ 0.48 $ 0.46 Weighted Average Shares Outstanding for Basic EPS 2,561,184 2,472,698 2,561,049 2,484,405 Effect of Dilutive Securities 144,176 174,790 146,422 167,552 Weighted Average Shares Outstanding for Diluted EPS 2,705,360 2,647,488 2,707,471 2,651,957 Earnings per Share, Diluted $ 0.20 $ 0.20 $ 0.45 $ 0.43

Note 5 - Regulatory Capital (Ta

Note 5 - Regulatory Capital (Tables)	6 Months Ended
	Jun. 30, 2015
Disclosure Text Block [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum for Adequacy Minimum to be Well Amount Ratio Amount Ratio Amount Ratio (Dollars In Thousands) June 30, 2015 Core/Leverage Capital $ 49,650 14.88 % $ 13,348 4.00 % $ 16,685 5.00 % CET1 Capital 49,650 23.30 % 9,588 4.50 % 13,849 6.50 % Tier 1 Risk-Based Capital 49,650 23.30 % 12,783 6.00 % 17,045 8.00 % Total Risk-Based Capital 52,142 24.47 % 17,045 8.00 % 21,306 10.00 % December 31, 2014 Core/Leverage Capital $ 48,054 14.46 % $ 9,970 3.00 % $ 16,617 5.00 % Tier 1 Risk-Based Capital 48,054 23.79 % 8,081 4.00 % 12,121 6.00 % Total Risk-Based Capital 50,422 24.96 % 16,162 8.00 % 20,202 10.00 %
Reconciliation of Bank's Capital [Table Text Block]	June 30, 2015 December 31, 2014 (In Thousands) Capital Under GAAP $ 49,733 $ 48,150 Unrealized Gains on Available-for-Sale Securities (83 ) (96 ) Tier 1 Capital and CET1 Capital 49,650 48,054 Allowance for Loan Losses 2,492 2,368 Total Risk-Based Capital $ 52,142 $ 50,422

Note 6 - Fair Value of Financ20

Note 6 - Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements June 30, 2015 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Available-for-Sale Securities Mortgage-Backed Securities $ 2,074 $ - $ 2,074 $ - Equity Securities 281 281 - - Loans Held-for-Sale 2,076 - 2,076 - Total $ 4,431 $ 281 $ 4,150 $ - Fair Value Measurements December 31, 2014 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Available-for-Sale Securities Mortgage-Backed Securities $ 2,458 $ - $ 2,458 $ - Equity Securities 275 275 - - Loans Held-for-Sale 620 - 620 - Total $ 3,353 $ 275 $ 3,078 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements June 30, 2015 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Impaired Loans, Net of Allowance $ 1,474 $ - $ - $ 1,474 Total $ 1,474 $ - $ - $ 1,474 Fair Value Measurements December 31, 2014 Total (Level 1) (Level 2) (Level 3) Assets: (In Thousands) Impaired Loans, Net of Allowance $ 944 $ - $ - $ 944 Total $ 944 $ - $ - $ 944
Fair Value, by Balance Sheet Grouping [Table Text Block]	June 30, 2015 December 31, 2014 Carrying Fair Carrying Fair (In Thousands) Financial Assets Cash and Cash Equivalents $ 10,717 $ 10,717 $ 5,048 $ 5,048 Certificates of Deposit 481 478 481 482 Securities 37,913 39,008 42,712 44,002 Loans 290,844 295,254 277,294 281,908 Less Allowance for Loan Losses (2,492 ) (2,492 ) (2,368 ) (2,368 ) Loans, Net of Allowance 288,352 292,762 274,926 279,540 Federal Home Loan Bank Stock 3,331 3,331 3,245 3,245 Financial Liabilities Deposits $ 204,159 $ 205,333 $ 193,098 $ 204,304 Borrowings 77,928 77,669 75,509 74,538 Unrecognized Financial Instruments Commitments to Extend Credit $ 43,030 $ 43,132 $ 47,017 $ 47,154

Note 1 - Summary of Significa21

Note 1 - Summary of Significant Accounting Policies (Details) - USD ($)	Jun. 30, 2015	Jun. 18, 2015	Dec. 31, 2014
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Trading Securities	$ 0		$ 0
Home Bancorp, Inc. [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Business Acquisition, Share Price (in Dollars per share)		$ 24.25

Note 2 - Securities (Details)

Note 2 - Securities (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Investments Schedule [Abstract]
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ 0	$ 0

Note 2 - Securities (Details) -

Note 2 - Securities (Details) - Investment Holdings - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	$ 2,063	$ 2,422
Available-for-Sale, Gross Unrealized Gains	292	311
Available-for-Sale, Estimated Fair Value	2,355	2,733
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	35,558	39,979
Held-to-Maturity, Gross Unrealized Gains	1,120	1,302
Held-to-Maturity, Gross Unrealized Losses	(25)	(12)
Held-to-Maturity, Estimated Fair Value	36,653	41,269
Mortgage-Backed Securities [Member]
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	1,930	2,289
Available-for-Sale, Gross Unrealized Gains	144	169
Available-for-Sale, Estimated Fair Value	2,074	2,458
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	18,446	20,987
Held-to-Maturity, Gross Unrealized Gains	991	1,179
Held-to-Maturity, Estimated Fair Value	19,437	22,166
Collateralized Mortgage Obligations [Member]
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	14,233	16,111
Held-to-Maturity, Gross Unrealized Gains	106	63
Held-to-Maturity, Gross Unrealized Losses		(12)
Held-to-Maturity, Estimated Fair Value	14,339	16,162
GNMA [Member] | Mortgage-Backed Securities [Member]
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	1	1
Available-for-Sale, Estimated Fair Value	1	1
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	2,237	2,426
Held-to-Maturity, Gross Unrealized Gains	76	85
Held-to-Maturity, Estimated Fair Value	2,313	2,511
FNMA [Member] | Mortgage-Backed Securities [Member]
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	1,207	1,426
Available-for-Sale, Gross Unrealized Gains	92	106
Available-for-Sale, Estimated Fair Value	1,299	1,532
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	12,271	13,989
Held-to-Maturity, Gross Unrealized Gains	557	667
Held-to-Maturity, Estimated Fair Value	12,828	14,656
FNMA [Member] | Collateralized Mortgage Obligations [Member]
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	6,315	7,162
Held-to-Maturity, Gross Unrealized Gains	30	5
Held-to-Maturity, Gross Unrealized Losses		(12)
Held-to-Maturity, Estimated Fair Value	6,345	7,155
FHLMC [Member] | Mortgage-Backed Securities [Member]
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	722	862
Available-for-Sale, Gross Unrealized Gains	52	63
Available-for-Sale, Estimated Fair Value	774	925
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	3,938	4,572
Held-to-Maturity, Gross Unrealized Gains	358	427
Held-to-Maturity, Estimated Fair Value	4,296	4,999
FHLMC [Member] | Collateralized Mortgage Obligations [Member]
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	7,918	8,949
Held-to-Maturity, Gross Unrealized Gains	76	58
Held-to-Maturity, Estimated Fair Value	7,994	9,007
Equity Securities [Member]
Mortgage-Backed Securities
Available-for-Sale, Amortized Cost	133	133
Available-for-Sale, Gross Unrealized Gains	148	142
Available-for-Sale, Estimated Fair Value	281	275
General Obligation Bond [Member] | Municipal Obligation [Member]
Mortgage-Backed Securities
Held-to-Maturity, Amortized Cost	2,879	2,881
Held-to-Maturity, Gross Unrealized Gains	23	60
Held-to-Maturity, Gross Unrealized Losses	(25)
Held-to-Maturity, Estimated Fair Value	$ 2,877	$ 2,941

Note 2 - Securities (Details)24

Note 2 - Securities (Details) - Amortized Cost and Fair Value of Securities by Contractual Maturity - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amounts Maturing in:
One to Five Years	$ 891
One to Five Years	941
One to Five Years	1,492
One to Five Years	1,562
Five to Ten Years	1,039
Five to Ten Years	1,133
Five to Ten Years	2,871
Five to Ten Years	3,072
Over Ten Years	31,195
Over Ten Years	32,019
	1,930
	2,074
	35,558	$ 39,979
	36,653	41,269
Equity Securities	133
Equity Securities	281
Total	2,063	2,422
Total	2,355	2,733
Total	35,558	39,979
Total	$ 36,653	$ 41,269

Note 2 - Securities (Details)25

Note 2 - Securities (Details) - Unrealized Losses - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Collateralized Mortgage Obligations [Member]
Collateralized Mortgage Obligations
Gross Unrealized Losses		$ 12
Estimated Fair Value		4,776
Municipal Obligation [Member]
Collateralized Mortgage Obligations
Gross Unrealized Losses	$ 25	12
Estimated Fair Value	1,181	4,776
FNMA [Member] | Collateralized Mortgage Obligations [Member]
Collateralized Mortgage Obligations
Gross Unrealized Losses		12
Estimated Fair Value		$ 4,776
General Obligation Bond [Member] | Municipal Obligation [Member]
Collateralized Mortgage Obligations
Gross Unrealized Losses	25
Estimated Fair Value	$ 1,181

Note 3 - Loans (Details)

Note 3 - Loans (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Receivables [Abstract]
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	$ 38,000	$ 9,000

Note 3 - Loans (Details) - Comp

Note 3 - Loans (Details) - Composition of Our Total Net Loans Receivable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Loans Secured by Mortgages on Real Estate
Loans receivable	$ 290,444	$ 276,897	$ 257,275
Less:
Allowance for Loan Losses	(2,492)	(2,368)	(2,198)	$ (2,221)
Net Deferred Loan Origination Fees/Costs	401	397
Total Loans, Net	288,353	274,926
1-4 Family Residential [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	163,044	161,134	145,377
Less:
Allowance for Loan Losses	(1,334)	(1,326)	(1,184)	(1,126)
Home Equity Loans and Lines [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	38,867	32,346	31,938
Less:
Allowance for Loan Losses	(357)	(288)	(286)	(253)
Multi-family Residential [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	22,174	20,844	20,190
Less:
Allowance for Loan Losses	(194)	(184)	(178)	(190)
Commercial Real Estate Loans [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	65,374	61,874	58,900
Less:
Allowance for Loan Losses	(594)	(563)	(542)	(642)
Land Loans [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	99	17	18
Less:
Allowance for Loan Losses	(1)	(1)	(1)	(2)
Loans Secured by Real Estate [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	289,558	276,215
Loans Secured by Deposits [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	382	350
Other Loans [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	504	332
Consumer and Other Loans [Member]
Loans Secured by Mortgages on Real Estate
Loans receivable	886	682	852
Less:
Allowance for Loan Losses	$ (12)	$ (6)	$ (7)	$ (8)

Note 3 - Loans (Details) - Curr

Note 3 - Loans (Details) - Current, Past Due and Nonaccrual Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 1,518	$ 1,786
Nonaccrual loans	1,504	961
Current loans	288,926	275,111
Total loans	290,444	276,897	$ 257,275
Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	14	825
1-4 Family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	696	909
Nonaccrual loans	696	102
Current loans	162,348	160,225
Total loans	163,044	161,134	145,377
1-4 Family Residential [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		807
Home Equity Loans and Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	98	94
Nonaccrual loans	84	76
Current loans	38,769	32,252
Total loans	38,867	32,346	31,938
Home Equity Loans and Lines [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	14	18
Multi-family Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current loans	22,174	20,844
Total loans	22,174	20,844	20,190
Commercial Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	719	783
Nonaccrual loans	719	783
Current loans	64,655	61,091
Total loans	65,374	61,874	58,900
Land Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current loans	99	17
Total loans	99	17	18
Consumer and Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	5
Nonaccrual loans	5
Current loans	881	682
Total loans	$ 886	$ 682	$ 852

Note 3 - Loans (Details) - Allo

Note 3 - Loans (Details) - Allowance for Loan Losses - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Allowance for Loan Losses [Abstract]
Balance	$ 2,368	$ 2,221	$ 2,221
Provision for Loan Losses	117	65	189
Charge-Offs	(14)	(109)	(113)
Loan Recoveries	21	21	71
Balance	$ 2,492	$ 2,198	$ 2,368

Note 3 - Loans (Details) - Acti

Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses - USD ($) $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014	Jun. 30, 2015	Jun. 30, 2014
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	$ 2,368	$ 2,221	$ 2,221
Ending Balance Allocated to:
Loans individually evaluated for impairment				$ 30	$ 0
Loans collectively evaluated for impairment				2,462	2,198
Loans and leases receivable allowance	2,492	2,221	2,368	2,492	2,198
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				1,504	1,054
Loans collectively evaluated for impairment				288,940	256,221
Loans and leases receivable			276,897	290,444	257,275
Provision for Loan Losses	117	65	189
Charge-Offs	(14)	(109)	(113)
Recoveries of prior charge-offs	21	21	71
Balance	2,492	2,198	2,368
1-4 Family Residential [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	1,326	1,126	1,126
Ending Balance Allocated to:
Loans individually evaluated for impairment				15	0
Loans collectively evaluated for impairment				1,319	1,184
Loans and leases receivable allowance	1,326	1,126	1,326	1,334	1,184
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				696	112
Loans collectively evaluated for impairment				162,348	145,265
Loans and leases receivable			161,134	163,044	145,377
Provision for Loan Losses	1	51
Charge-Offs	0	0
Recoveries of prior charge-offs	7	7
Balance	1,334	1,184	1,326
Home Equity Loans and Lines [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	288	253	253
Ending Balance Allocated to:
Loans individually evaluated for impairment				10	0
Loans collectively evaluated for impairment				347	286
Loans and leases receivable allowance	288	253	288	357	286
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				84	95
Loans collectively evaluated for impairment				38,783	31,843
Loans and leases receivable			32,346	38,867	31,938
Provision for Loan Losses	62	31
Charge-Offs	(2)	(1)
Recoveries of prior charge-offs	9	3
Balance	357	286	288
Multi-family Residential [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	184	190	190
Ending Balance Allocated to:
Loans individually evaluated for impairment				0	0
Loans collectively evaluated for impairment				194	178
Loans and leases receivable allowance	184	190	184	194	178
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				0	0
Loans collectively evaluated for impairment				22,174	20,190
Loans and leases receivable			20,844	22,174	20,190
Provision for Loan Losses	10	(12)
Charge-Offs	0	0
Recoveries of prior charge-offs	0	0
Balance	194	178	184
Commercial Real Estate Loans [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	563	642	642
Ending Balance Allocated to:
Loans individually evaluated for impairment				0	0
Loans collectively evaluated for impairment				594	542
Loans and leases receivable allowance	563	642	563	594	542
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				719	847
Loans collectively evaluated for impairment				64,655	58,053
Loans and leases receivable			61,874	65,374	58,900
Provision for Loan Losses	31	(1)
Charge-Offs	0	(99)
Recoveries of prior charge-offs	0	0
Balance	594	542	563
Land Loans [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	1	2	2
Ending Balance Allocated to:
Loans individually evaluated for impairment				0	0
Loans collectively evaluated for impairment				1	1
Loans and leases receivable allowance	1	2	1	1	1
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				0	0
Loans collectively evaluated for impairment				99	18
Loans and leases receivable			17	99	18
Provision for Loan Losses	0	(1)
Charge-Offs	0	0
Recoveries of prior charge-offs	0	0
Balance	1	1	1
Consumer and Other Loans [Member]
Note 3 - Loans (Details) - Activity in the Allowance for Loan Losses [Line Items]
Balance	6	8	8
Ending Balance Allocated to:
Loans individually evaluated for impairment				5	0
Loans collectively evaluated for impairment				7	7
Loans and leases receivable allowance	6	8	6	12	7
Ending Loan Balance Disaggregated by Evaluation Method
Loans individually evaluated for impairment				5	0
Loans collectively evaluated for impairment				881	852
Loans and leases receivable			682	$ 886	$ 852
Provision for Loan Losses	13	(3)
Charge-Offs	(12)	(9)
Recoveries of prior charge-offs	5	11
Balance	$ 12	$ 7	$ 6

Note 3 - Loans (Details) - Loan

Note 3 - Loans (Details) - Loans Evaluated for Impairment - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loans Evaluated for Impairment [Abstract]
Impaired Loans Requiring a Loss Allowance	$ 133	$ 111
Impaired Loans not Requiring a Loss Allowance	1,371	850
Total Impaired Loans	1,504	961
Loss Allowance on Impaired Loans	$ 30	$ 17

Note 3 - Loans (Details) - Impa

Note 3 - Loans (Details) - Impaired Loans - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Loans Secured by Mortgages on Real Estate
Impaired loans with no related allowance: Recorded Investment	$ 1,371	$ 850
Impaired loans with no related allowance: Unpaid Principal Balance	1,371	850
Impaired loans with no related allowance: Average Recorded Investment YTD	1,385	1,076
Impaired loans with no related allowance: Interest Income Recognized		4
Loans Secured by Mortgages on Real Estate
Impaired loans with a related allowance: Recorded Investment	133	111
Impaired loans with a related allowance: Unpaid Principal Balance	133	111
Impaired loans with a related allowance: Related Allowance	30	17
Impaired loans with a related allowance: Average Recorded Investment YTD	131	62
Impaired loans with a related allowance: Interest Income Recognized		2
Loans Secured by Mortgages on Real Estate
Impaired loans: Recorded Investment	1,504	961
Impaired loans: Unpaid Principal Balance	1,504	961
Impaired loans: Related Allowance	30	17
Impaired loans: Average Recorded Investment YTD	1,516	1,138
Impaired loans: Interest Income Recognized		6
1-4 Family Residential [Member]
Loans Secured by Mortgages on Real Estate
Impaired loans with no related allowance: Recorded Investment	604	10
Impaired loans with no related allowance: Unpaid Principal Balance	604	10
Impaired loans with no related allowance: Average Recorded Investment YTD	606	53
Loans Secured by Mortgages on Real Estate
Impaired loans with a related allowance: Recorded Investment	92	92
Impaired loans with a related allowance: Unpaid Principal Balance	92	92
Impaired loans with a related allowance: Related Allowance	15	15
Impaired loans with a related allowance: Average Recorded Investment YTD	92	18
Impaired loans with a related allowance: Interest Income Recognized		1
Loans Secured by Mortgages on Real Estate
Impaired loans: Recorded Investment	696	102
Impaired loans: Unpaid Principal Balance	696	102
Impaired loans: Related Allowance	15	15
Impaired loans: Average Recorded Investment YTD	698	71
Impaired loans: Interest Income Recognized		1
Home Equity Loans and Lines [Member]
Loans Secured by Mortgages on Real Estate
Impaired loans with no related allowance: Recorded Investment	48	57
Impaired loans with no related allowance: Unpaid Principal Balance	48	57
Impaired loans with no related allowance: Average Recorded Investment YTD	44	70
Impaired loans with no related allowance: Interest Income Recognized		4
Loans Secured by Mortgages on Real Estate
Impaired loans with a related allowance: Recorded Investment	36	19
Impaired loans with a related allowance: Unpaid Principal Balance	36	19
Impaired loans with a related allowance: Related Allowance	10	2
Impaired loans with a related allowance: Average Recorded Investment YTD	36	4
Impaired loans with a related allowance: Interest Income Recognized		1
Loans Secured by Mortgages on Real Estate
Impaired loans: Recorded Investment	84	76
Impaired loans: Unpaid Principal Balance	84	76
Impaired loans: Related Allowance	10	2
Impaired loans: Average Recorded Investment YTD	80	74
Impaired loans: Interest Income Recognized		5
Commercial Real Estate Loans [Member]
Loans Secured by Mortgages on Real Estate
Impaired loans with no related allowance: Recorded Investment	719	783
Impaired loans with no related allowance: Unpaid Principal Balance	719	783
Impaired loans with no related allowance: Average Recorded Investment YTD	735	953
Loans Secured by Mortgages on Real Estate
Impaired loans with a related allowance: Average Recorded Investment YTD		40
Loans Secured by Mortgages on Real Estate
Impaired loans: Recorded Investment	719	783
Impaired loans: Unpaid Principal Balance	719	783
Impaired loans: Average Recorded Investment YTD	735	$ 993
Consumer and Other Loans [Member]
Loans Secured by Mortgages on Real Estate
Impaired loans with a related allowance: Recorded Investment	5
Impaired loans with a related allowance: Unpaid Principal Balance	5
Impaired loans with a related allowance: Related Allowance	5
Impaired loans with a related allowance: Average Recorded Investment YTD	3
Loans Secured by Mortgages on Real Estate
Impaired loans: Recorded Investment	5
Impaired loans: Unpaid Principal Balance	5
Impaired loans: Related Allowance	5
Impaired loans: Average Recorded Investment YTD	$ 3

Note 3 - Loans (Details) - Cred

Note 3 - Loans (Details) - Credit Grades Assigned to Loan Portfolio - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 290,444	$ 276,897	$ 257,275
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	288,940	274,783
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		555
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	1,474	1,542
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	30	17
1-4 Family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	163,044	161,134	145,377
1-4 Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	162,348	160,127
1-4 Family Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		307
1-4 Family Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	681	685
1-4 Family Residential [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	15	15
Home Equity Loans and Lines [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	38,867	32,346	31,938
Home Equity Loans and Lines [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	38,783	32,022
Home Equity Loans and Lines [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable		248
Home Equity Loans and Lines [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	74	74
Home Equity Loans and Lines [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	10	2
Multi-family Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	22,174	20,844	20,190
Multi-family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	22,174	20,844
Commercial Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	65,374	61,874	58,900
Commercial Real Estate Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	64,655	61,091
Commercial Real Estate Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	719	783
Land Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	99	17	18
Land Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	99	17
Consumer and Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	886	682	$ 852
Consumer and Other Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	881	$ 682
Consumer and Other Loans [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 5

Note 4 - Earnings Per Common 34

Note 4 - Earnings Per Common Share (Details) - Earnings Per Common Share - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Common Share [Abstract]
Net Income (in Dollars)	$ 552,000	$ 519,000	$ 1,221,000	$ 1,139,000
Weighted Average Shares Issued	6,345,732	6,345,732	6,345,732	6,345,732
Weighted Average Unearned ESOP Shares	(317,289)	(342,672)	(317,289)	(342,672)
Weighted Average Unearned RRP Shares	(25,598)	(28,898)	(25,799)	(29,099)
Weighted Average Treasury Shares	(3,441,661)	(3,501,464)	(3,441,595)	(3,489,556)
Weighted Average Shares Outstanding for Basic EPS	2,561,184	2,472,698	2,561,049	2,484,405
Earnings per Share, Basic (in Dollars per share)	$ 0.22	$ 0.21	$ 0.48	$ 0.46
Weighted Average Shares Outstanding for Basic EPS	2,561,184	2,472,698	2,561,049	2,484,405
Effect of Dilutive Securities	144,176	174,790	146,422	167,552
Weighted Average Shares Outstanding for Diluted EPS	2,705,360	2,647,488	2,707,471	2,651,957
Earnings per Share, Diluted (in Dollars per share)	$ 0.20	$ 0.20	$ 0.45	$ 0.43

Note 5 - Regulatory Capital (De

Note 5 - Regulatory Capital (Details) - USD ($) $ in Billions	Jun. 30, 2015	Dec. 31, 2014
Note 5 - Regulatory Capital (Details) [Line Items]
Consolidated Capital Requirements Maximum Assets Threshold for Exemption (in Dollars)	$ 1
Tier One Common Equity Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	4.00%
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	3.00%
Capital Conservation Buffer on Tier 1 Common Equity to Risk Weighted Assets	2.50%
Annual Capital Conservation Buffer on Tier 1 Common Equity to Risk Weighted Assets	0.625%
Tier One Common Equity Capital Required to Be Well Capitalized to Risk Weighted Assets	6.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	6.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
High Volatility Commercial Real Estate Acquisition, Development and Construction Loans, Non-Residential Mortgage Loans [Member]
Note 5 - Regulatory Capital (Details) [Line Items]
Risk Weight of Assets	150.00%	100.00%
Credit Conversion Factor for Unused Portion of Commitment [Member]
Note 5 - Regulatory Capital (Details) [Line Items]
Risk Weight of Assets	20.00%	0.00%
Mortgage Servicing and Deferred Tax Assets [Member]
Note 5 - Regulatory Capital (Details) [Line Items]
Risk Weight of Assets	250.00%	100.00%
Equity Exposures [Member]
Note 5 - Regulatory Capital (Details) [Line Items]
Risk Weight of Assets	600.00%	0.00%

Note 5 - Regulatory Capital (36

Note 5 - Regulatory Capital (Details) - The Actual and Required Regulatory Capital Amounts and Ratios Applicable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
The Actual and Required Regulatory Capital Amounts and Ratios Applicable [Abstract]
Core/Leverage Capital Actual Amount	$ 49,650	$ 48,054
Core/Leverage Capital Actual Ratio	14.88%	14.46%
Core/Leverage Capital Minimum for Adequacy Purposes Amount	$ 13,348	$ 9,970
Core/Leverage Capital Minimum for Adequacy Purposes Ratio	4.00%	3.00%
Core/Leverage Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 16,685	$ 16,617
Core/Leverage Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Ratio	5.00%	5.00%
CET1 Capital	$ 49,650
CET1 Capital	23.30%
CET1 Capital	$ 9,588
CET1 Capital	4.50%
CET1 Capital	$ 13,849
CET1 Capital	6.50%
Tier 1 Risk-Based Capital Actual Amount	$ 49,650	$ 48,054
Tier 1 Risk-Based Capital Actual Ratio	23.30%	23.79%
Tier 1 Risk-Based Capital Minimum for Adequacy Purposes Amount	$ 12,783	$ 8,081
Tier 1 Risk-Based Capital Minimum for Adequacy Purposes Ratio	6.00%	4.00%
Tier 1 Risk-Based Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 17,045	$ 12,121
Tier 1 Risk-Based Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Ratio	8.00%	6.00%
Total Risk-Based Capital Actual Amount	$ 52,142	$ 50,422
Total Risk-Based Capital Actual Ratio	24.47%	24.96%
Total Risk-Based Capital Minimum for Adequacy Purposes Amount	$ 17,045	$ 16,162
Total Risk-Based Capital Minimum for Adequacy Purposes Ratio	8.00%	8.00%
Total Risk-Based Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Amount	$ 21,306	$ 20,202
Total Risk-Based Capital Minimum to be Well Capitalized Under Prompt Corrective Action Provisions Ratio	10.00%	10.00%

Note 5 - Regulatory Capital (37

Note 5 - Regulatory Capital (Details) - Bank's Capital - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Bank's Capital [Abstract]
Capital Under GAAP	$ 49,733	$ 48,150
Unrealized Gains on Available-for-Sale Securities	(83)	(96)
Tier 1 Capital and CET1 Capital	49,650	48,054
Allowance for Loan Losses	2,492	2,368	$ 2,198	$ 2,221
Total Risk-Based Capital	$ 52,142	$ 50,422

Note 6 - Fair Value of Financ38

Note 6 - Fair Value of Financial Instruments (Details) - USD ($)	Jun. 30, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Liabilities, Fair Value Disclosure, Recurring	$ 0	$ 0
Liabilities, Fair Value Disclosure, Nonrecurring	$ 0	$ 0

Note 6 - Fair Value of Financ39

Note 6 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Available-for-Sale Securities
Available-for-Sale Securities	$ 2,355	$ 2,733
Loans Held-for-Sale	2,076	620
Total	4,431	3,353
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Available-for-Sale Securities
Available-for-Sale Securities	2,074	2,458
US Government Agencies Debt Securities [Member]
Available-for-Sale Securities
Available-for-Sale Securities	281
Equity Securities [Member]
Available-for-Sale Securities
Available-for-Sale Securities	281	275
Fair Value, Inputs, Level 1 [Member]
Available-for-Sale Securities
Total	281	275
Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]
Available-for-Sale Securities
Available-for-Sale Securities	281
Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]
Available-for-Sale Securities
Available-for-Sale Securities		275
Fair Value, Inputs, Level 2 [Member]
Available-for-Sale Securities
Loans Held-for-Sale	2,076	620
Total	4,150	3,078
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by Private Enterprises [Member]
Available-for-Sale Securities
Available-for-Sale Securities	$ 2,074	$ 2,458

Note 6 - Fair Value of Financ40

Note 6 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Non-recurring Basis - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Note 6 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Non-recurring Basis [Line Items]
Impaired Loans, Net of Allowance	$ 1,504	$ 961
Estimate of Fair Value Measurement [Member]
Note 6 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Non-recurring Basis [Line Items]
Impaired Loans, Net of Allowance	1,474	944
Total	1,474	944
Fair Value, Inputs, Level 3 [Member]
Note 6 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Non-recurring Basis [Line Items]
Impaired Loans, Net of Allowance	1,474	944
Total	$ 1,474	$ 944

Note 6 - Fair Value of Financ41

Note 6 - Fair Value of Financial Instruments (Details) - Fair Value of Financial Instruments - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial Assets
Cash and Cash Equivalents	$ 10,717	$ 5,048	$ 4,179	$ 6,964
Cash and Cash Equivalents	10,717	5,048
Certificates of Deposit	481	481
Certificates of Deposit	478	482
Securities	37,913	42,712
Securities	39,008	44,002
Loans	288,769	276,674
Less Allowance for Loan Losses	(2,492)	(2,368)	$ (2,198)	$ (2,221)
Loans, Net of Allowance	288,353	274,926
Federal Home Loan Bank Stock	3,331	3,245
Financial Liabilities
Deposits	204,159	193,098
Deposits	205,333	204,304
Borrowings	77,928	75,509
Borrowings	77,669	74,538
Unrecognized Financial Instruments
Commitments to Extend Credit	43,030	47,017
Commitments to Extend Credit	43,132	47,154
Before Allowance [Member]
Financial Assets
Loans	290,844	277,294
Loans	295,254	281,908
Loans, Net of Allowance	295,254	281,908
Net of Allowance [Member]
Financial Assets
Loans	292,762	279,540
Loans, Net of Allowance	288,352	274,926
Loans, Net of Allowance	$ 292,762	$ 279,540