Charter Financial (CHFN) 10-K 13 Dec 13 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Sep. 30, 2013	Dec. 06, 2013	Mar. 31, 2013
Document Information [Line Items]	'	'	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	30-Sep-13	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Trading Symbol	'CHFN	'	'
Entity Registrant Name	'CHARTER FINANCIAL CORP/GA	'	'
Entity Central Index Key	'0001478726	'	'
Current Fiscal Year End Date	'--09-30	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Voluntary Filers	'No	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Common Stock, Shares Outstanding	'	22,752,214	'
Entity Public Float	'	'	$58,526,036

Consolidated_Statements_of_Fin

Consolidated Statements of Financial Condition (USD $)	Sep. 30, 2013	Sep. 30, 2012
Assets	'	'
Cash and amounts due from depository institutions	$10,069,875	$13,221,291
Interest-earning deposits in other financial institutions	151,382,606	95,606,929
Cash and cash equivalents	161,452,481	108,828,220
Loans held for sale, fair value of $1,883,244 and $2,741,672	1,857,393	2,691,508
Securities available for sale	215,118,407	189,379,333
Federal Home Loan Bank stock	3,940,300	5,318,200
Loans receivable:	'	'
Not covered under FDIC loss sharing agreements	480,152,265	436,966,775
Covered under FDIC loss sharing agreements	112,915,868	176,569,131
Unamortized loan origination fees, net (non-covered loans)	-1,100,666	-1,101,481
Loans receivable, net	579,854,293	593,903,715
Other real estate owned:	'	'
Not covered under FDIC loss sharing agreements	1,615,036	2,106,757
Covered under FDIC loss sharing agreements	14,068,846	21,903,204
Accrued interest and dividends receivable	2,728,902	3,241,320
Premises and equipment, net	21,750,756	23,610,642
Goodwill	4,325,282	4,325,282
Other intangible assets, net of amortization	803,886	1,280,309
Cash surrender value of bank owned life insurance	39,825,881	33,831,920
FDIC receivable for loss sharing agreements	29,941,862	35,135,533
Deferred income taxes	11,350,745	6,176,199
Other assets	771,779	487,954
Total assets	1,089,405,849	1,032,220,096
Liabilities:	'	'
Deposits	751,296,668	800,261,546
FHLB advances	60,000,000	81,000,000
Advance payments by borrowers for taxes and insurance	1,054,251	651,520
Other liabilities	3,277,094	7,786,262
Total liabilities	815,628,013	889,699,328
Stockholders’ equity:	'	'
Common stock, $0.01 par value; 22,752,214 shares issued at September 30, 2013 and 21,935,179 shares issued at September 30, 2012; 22,752,214 shares outstanding at September 30, 2013 and 19,903,081 shares outstanding at September 30, 2012	227,522	198,592
Preferred stock, $0.01 par value; 50,000,000 shares authorized at September 30, 2013 and 10,000,000 shares authorized at September 30, 2012	0	0
Additional paid-in capital	171,729,570	73,483,605
Treasury stock, at cost; 0 shares at September 30, 2013 and 2,032,098 shares at September 30, 2012	0	-39,362,686
Unearned compensation – ESOP	-6,480,949	-3,571,121
Retained earnings	110,141,286	111,568,998
Accumulated other comprehensive (loss) gain	-1,839,593	203,380
Total stockholders’ equity	273,777,836	142,520,768
Total liabilities and stockholders’ equity	1,089,405,849	1,032,220,096
Covered loans	'	'
Loans receivable:	'	'
Allowance for loan losses	-3,924,278	-10,340,815
Non-covered loans	'	'
Loans receivable:	'	'
Allowance for loan losses	($8,188,896)	($8,189,895)

Consolidated_Statements_of_Fin1

Consolidated Statements of Financial Condition (Parenthetical) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Loans held for sale, fair value	$1,883,244	$2,741,672
Common stock, par value (in usd per share)	$0.01	$0.01
Common stock, number shares issued	22,752,214	21,935,179
Common stock, number of shares outstanding	22,752,214	19,903,081
Preferred stock, par value (in usd per share)	$0.01	$0.01
Preferred stock, number of shares authorized	50,000,000	10,000,000
Treasury stock (in shares)	0	2,032,098

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Interest income:	'	'	'
Loans receivable	$38,815,683	$44,194,909	$41,361,825
Mortgage-backed securities and collateralized mortgage obligations	3,194,733	3,368,183	3,943,269
Federal Home Loan Bank stock	122,893	114,580	91,706
Other investment securities available for sale	175,150	261,600	153,977
Interest-earning deposits in other financial institutions	328,010	161,766	235,535
Total interest income	42,636,469	48,101,038	45,786,312
Interest expense:	'	'	'
Deposits	4,242,848	6,594,261	9,395,545
Borrowings	3,118,271	3,994,754	5,831,992
Total interest expense	7,361,119	10,589,015	15,227,537
Net interest income	35,275,350	37,512,023	30,558,775
Provision for loan losses, not covered under FDIC loss sharing agreements	1,400,000	3,300,000	1,700,000
Provision for covered loan losses	89,444	1,201,596	1,200,000
Net interest income after provision for loan losses	33,785,906	33,010,427	27,658,775
Noninterest income:	'	'	'
Service charges on deposit accounts	7,754,416	7,011,684	5,851,098
Gain on securities available for sale	249,517	939,766	774,277
Total impairment losses on securities	0	-2,573,625	-5,598,920
Portion of losses recognized in other comprehensive income	0	2,300,366	3,302,678
Net impairment losses recognized in earnings	0	-273,259	-2,296,242
Loss on sale of other assets held for sale	0	-146,299	-349,585
Bank owned life insurance	993,961	1,057,397	1,096,510
Gain on sale of loans and loan servicing release fees	1,334,330	961,605	655,977
Loan servicing fees	302,153	386,656	388,625
Brokerage commissions	588,493	557,821	693,926
Acquisition gain	0	0	1,095,003
FDIC receivable for loss sharing agreements accretion, net of amortization	33,235	1,461,779	1,035,125
Other	396,446	955,062	346,322
Total noninterest income	11,652,551	12,912,212	9,291,036
Noninterest expenses:	'	'	'
Salaries and employee benefits	18,458,664	19,332,621	15,762,074
Occupancy	7,302,944	7,799,670	6,528,996
FHLB advance prepayment penalty	0	0	809,558
Legal and professional	1,922,817	1,627,769	2,105,319
Marketing	1,294,251	1,875,591	1,619,275
Federal insurance premiums and other regulatory fees	589,999	1,351,185	1,252,717
Net cost of operations of real estate owned	1,016,960	2,144,882	1,341,120
Furniture and equipment	828,652	919,525	772,716
Postage, office supplies and printing	1,082,231	1,025,597	962,239
Core deposit intangible amortization expense	476,423	547,153	237,437
Other	3,340,599	3,680,904	2,558,616
Total noninterest expense	36,313,540	40,304,897	33,950,067
Income before income taxes	9,124,917	5,617,742	2,999,744
Income tax expense	2,868,500	639,050	694,392
Net income	$6,256,417	$4,978,692	$2,305,352
Basic net income per share (in usd per share)	$0.30	$0.26	$0.12
Diluted net income per share (in usd per share)	$0.30	$0.26	$0.12
Weighted average number of common shares outstanding	20,629,531	19,501,312	19,799,405
Weighted average number of common and potential common shares outstanding	20,792,089	19,537,348	19,845,936

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Net income	$6,256,417	$4,978,692	$2,305,352
Less reclassification adjustment for net gains realized in net income, net of taxes of $96,313, $362,749, and $298,871, respectively	-153,204	-577,017	-475,406
Net unrealized holding (losses) gains on investment and mortgage securities available for sale arising during the year, net of taxes of $(1,188,031), $1,624,516, and $372,130, respectively	-1,889,769	2,584,074	591,938
Other-than-temporary impairment losses recognized in earnings, net of taxes of $0, $105,478, and $886,349, respectively	0	167,781	1,409,893
Comprehensive income	$4,213,444	$7,153,530	$3,831,777

Consolidated_Statements_of_Com1

Consolidated Statements of Comprehensive Income (Parenthetical) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Taxes on reclassification adjustment for net gains realized in net income	$96,313	$362,749	$298,871
Taxes on unrealized holding gains on investment and mortgage securities available for sale arising during the year	-1,188,031	1,624,516	372,130
Taxes on other-than-temporary impairment losses recognized in earnings	$0	$105,478	$886,349

Consolidated_Statements_of_Sto

Consolidated Statements of Stockholders' Equity (USD $)	Total	Common stock	Additional paid-in capital	Treasury stock	Unearned compensation ESOP	Retained earnings	Accumulated other comprehensive income (loss)
Balance at Sep. 30, 2010	$136,876,367	$198,592	$73,073,216	($36,614,648)	($3,880,990)	$107,598,080	($3,497,883)
Balance (in shares) at Sep. 30, 2010	'	19,859,219	'	'	'	'	'
Total stockholders' equity	'	'	'	'	'	'	'
Net income	2,305,352	'	'	'	'	2,305,352	'
Dividends paid, $0.35, $ 0.08 and $0.16 per share in 2013, 2012 and 2011 respectively	-1,940,899	'	'	'	'	-1,940,899	'
Change in unrealized loss on securities	1,526,425	'	'	'	'	'	1,526,425
Allocation of ESOP common stock	151,600	'	'	'	151,600	'	'
Interest capitalization into ESOP loan	0	'	'	'	'	'	'
Effect of restricted stock awards	391,764	'	-94,944	486,708	'	'	'
Stock option expense	105,091	'	105,091	'	'	'	'
Balance at Sep. 30, 2011	139,415,700	198,592	73,083,363	-36,127,940	-3,729,390	107,962,533	-1,971,458
Balance (in shares) at Sep. 30, 2011	'	19,859,219	'	'	'	'	'
Total stockholders' equity	'	'	'	'	'	'	'
Net income	4,978,692	'	'	'	'	4,978,692	'
Dividends paid, $0.35, $ 0.08 and $0.16 per share in 2013, 2012 and 2011 respectively	-1,372,227	'	'	'	'	-1,372,227	'
Change in unrealized loss on securities	2,174,838	'	'	'	'	'	2,174,838
Allocation of ESOP common stock	158,269	'	'	'	158,269	'	'
Interest capitalization into ESOP loan	0	'	'	'	'	'	'
Effect of restricted stock awards	659,633	'	306,366	353,267	'	'	'
Stock option expense	93,876	'	93,876	'	'	'	'
Repurchase of shares	-3,588,013	'	'	-3,588,013	'	'	'
Balance at Sep. 30, 2012	142,520,768	198,592	73,483,605	-39,362,686	-3,571,121	111,568,998	203,380
Balance (in shares) at Sep. 30, 2012	'	19,859,219	'	'	'	'	'
Total stockholders' equity	'	'	'	'	'	'	'
Net income	6,256,417	'	'	'	'	6,256,417	'
Dividends paid, $0.35, $ 0.08 and $0.16 per share in 2013, 2012 and 2011 respectively	-7,684,129	'	'	'	'	-7,684,129	'
Elimination of First Charter, MHC entity	229,564	'	229,564	'	'	'	'
Change in unrealized loss on securities	-2,042,973	'	'	'	'	'	-2,042,973
Allocation of ESOP common stock	210,874	'	31,592	'	179,282	'	'
Interest capitalization into ESOP loan	-50,279	'	'	'	-50,279	'	'
Effect of restricted stock awards	53,042	'	-700,380	753,422	'	'	'
Stock option expense	69,581	'	69,581	'	'	'	'
Issuance of common stock in offering (in shares)	'	2,892,995	'	'	'	'	'
Issuance of common stock in offering	135,378,486	28,930	98,615,608	39,772,779	-3,038,831	'	'
Repurchase of shares	-1,163,515	'	'	-1,163,515	'	'	'
Balance at Sep. 30, 2013	$273,777,836	$227,522	$171,729,570	$0	($6,480,949)	$110,141,286	($1,839,593)
Balance (in shares) at Sep. 30, 2013	'	22,752,214	'	'	'	'	'

Consolidated_Statements_of_Sto1

Consolidated Statements of Stockholders' Equity (Parenthetical) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Statement of Stockholders' Equity [Abstract]	'	'	'
Dividends paid (in usd per share)	$0.35	$0.08	$0.16

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities:	'	'	'
Net income	$6,256,417	$4,978,692	$2,305,352
Adjustments to reconcile net income to net cash used in operating activities:	'	'	'
Provision for loan losses, not covered under FDIC loss sharing agreements	1,400,000	3,300,000	1,700,000
Provision for covered loan losses	89,444	1,201,596	1,200,000
Provision for FDIC receivable impairment	642,461	0	0
Depreciation and amortization	1,571,998	1,782,588	1,335,515
Deferred income tax benefit	-3,615,234	-2,738,714	-1,973,499
Accretion and amortization of premiums and discounts, net	2,853,471	2,974,208	1,995,603
Accretion of fair value discounts related to covered loans	-8,922,874	-8,987,715	-8,248,209
Accretion of fair value discounts related to FDIC receivable	-675,696	-1,461,779	-1,035,125
Gain on sale of loans and loan servicing release fees	-1,334,330	-961,605	-655,977
Proceeds from sale of loans	50,753,062	40,057,748	33,976,397
Originations and purchases of loans held for sale	-48,584,616	-41,496,284	-31,550,298
Gain on acquisition	0	0	-1,095,003
Gain on sale of mortgage-backed securities, collateralized mortgage obligations, and other investments	-249,517	-939,766	-774,277
Other-than-temporary impairment-securities	0	273,259	2,296,242
Write down of real estate owned	1,683,342	1,298,041	774,616
(Gain) loss on sale of real estate owned	-581,662	24,074	44,894
Loss on sale and writedowns of other assets held for sale	0	588,299	349,585
FHLB advance prepayment penalty	0	0	809,558
Restricted stock award expense	53,042	108,845	216,668
Stock option expense	69,581	93,876	105,091
Increase in cash surrender value on bank owned life insurance	-993,961	-1,057,397	-1,096,510
Changes in assets and liabilities:	'	'	'
Decrease in accrued interest and dividends receivable	512,418	449,113	267,173
(Increase) decrease in other assets	-6,960,193	1,741,670	4,125,736
(Decrease) increase in other liabilities	3,485,939	-2,242,543	-5,239,014
Net cash used in operating activities	-2,546,908	-1,013,794	-165,482
Cash flows from investing activities:	'	'	'
Proceeds from sales of securities available for sale	21,057,155	41,638,363	41,338,234
Principal collections on securities available for sale	45,166,950	57,210,142	52,477,822
Purchase of securities available for sale	-111,194,047	-135,293,105	-111,244,487
Proceeds from maturities or calls of securities available for sale	13,531,500	6,789,350	3,574,950
Proceeds from redemption of FHLB stock	1,377,900	5,317,700	4,473,912
Purchase of FHLB stock	0	-45,000	0
Net decrease in loans receivable	4,170,927	40,430,538	59,326,132
Net decrease in FDIC receivable	7,960,683	70,878,537	45,638,131
Proceeds from sale of real estate owned	21,802,548	20,364,484	31,784,268
Proceeds from sale of premises and equipment	0	148,418	412,980
Purchase of bank owned life insurance	-5,000,000	0	0
Purchases of premises and equipment	-393,834	-2,755,197	-839,960
Net cash received from acquisitions	0	0	49,326,291
Net cash (used in) provided by investing activities	-1,520,218	104,684,230	176,268,273
Cash flows from financing activities:	'	'	'
Purchase of treasury stock and conversion expense	-1,163,515	-3,588,013	0
First Charter elimination	-277,307	0	0
Issuance of common stock in offering	135,378,486	0	0
Dividends paid	-7,684,129	-1,372,227	-1,940,899
Decrease in deposits	-48,964,878	-110,832,260	-156,755,359
Proceeds from Federal Home Loan Bank advances	0	1,000,000	0
Principal payments on Federal Home Loan Bank advances	-21,000,000	-30,000,000	-102,809,558
Net increase (decrease) in advance payments by borrowers for taxes and insurance	402,730	188,638	-473,911
Net cash provided by (used in) financing activities	56,691,387	-144,603,862	-261,979,727
Net increase (decrease) in cash and cash equivalents	52,624,261	-40,933,426	-85,876,936
Cash and cash equivalents at beginning of period	108,828,220	149,761,646	235,638,582
Cash and cash equivalents at end of period	161,452,481	108,828,220	149,761,646
Supplemental disclosures of cash flow information:	'	'	'
Interest paid	7,160,946	10,973,958	16,565,221
Income taxes paid	10,060,110	2,529,000	1,678,641
Supplemental disclosure of noncash activities:	'	'	'
Real estate acquired through foreclosure of collateral on loans receivable	18,927,608	25,180,220	14,830,664
Premises and equipment acquired through foreclosure of collateral on loans receivable	0	474,000	286,154
Issuance of ESOP common stock	210,874	158,269	151,600
Effect of restricted stock awards	53,042	659,633	391,764
Write down of real estate owned reimbursed by the FDIC	6,948,020	7,774,500	0
Provision for covered loan losses reimbursed by the FDIC	743,443	8,202,159	4,800,000
Interest capitalization into ESOP loan	-50,279	0	0
Unrealized (loss) gain on securities available for sale, net	-2,042,973	2,174,838	1,526,425
Acquisitions	'	'	'
Assets acquired at fair value	0	0	248,978,989
Liabilities assumed at fair value	0	0	248,304,905
Net assets acquired	$0	$0	$674,084

Summary_of_Significant_Account

Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Summary of Significant Accounting Policies	'
	Summary of Significant Accounting Policies
	On April 8, 2013, Charter Financial Corporation, a Maryland corporation (“Charter Financial” or the “Company”), completed its conversion and reorganization pursuant to which First Charter, MHC, our federally chartered mutual holding company, was converted to the stock holding company form of organization. Charter Financial sold 14,289,429 shares of common stock at $10.00 per share, for gross offering proceeds of $142.9 million in its stock offering. CharterBank (the “Bank”), as of April 8, 2013, was 100% owned by Charter Financial and Charter Financial was 100% owned by public stockholders. Concurrent with the completion of the offering, shares of common stock of Charter Financial Corporation, the former federally chartered corporation (“Charter Federal”), were converted into the right to receive 1.2471 shares of Charter Financial’s common stock for each share of Charter Federal common stock that was owned immediately prior to completion of the transaction. Cash in lieu of fractional shares was paid based on the offering price of $10.00 per share. As a result of the offering and the exchange on April 8, 2013, Charter Financial had 22,752,214 shares outstanding. Also, as of April 8, 2013, Charter Federal and First Charter, MHC ceased to exist. As part of the elimination, the net asset position of First Charter, MHC, in the amount of $229,564, was assumed by Charter Financial. Any reference to the Company following April 8, 2013 refers to Charter Financial Corporation, a Maryland corporation. In regards to weighted average shares outstanding, share and per share amounts held by the public prior to April 8, 2013, have been restated to reflect the completion of the second-step conversion at a conversion ratio of 1.2471 unless noted otherwise.
	Charter Financial Corporation, the federally chartered corporation, was established in October 2001 to be the holding company for the Bank in connection with the Bank’s reorganization from a federal mutual savings and loan association into the two-tiered mutual holding company structure. Charter Federal's business activity was the ownership of the outstanding capital stock of CharterBank.
	The consolidated financial statements of Charter Financial Corporation and subsidiary include the financial statements of Charter Financial Corporation and its wholly owned subsidiary, CharterBank. All intercompany accounts and transactions have been eliminated in consolidation. The term “Company” will apply as applicable to Charter Financial and Charter Federal depending on the context.
	The Company primarily provides real estate loans and a full range of deposit products to individual and small business consumers through its branch offices in west-central Georgia, east-central Alabama and the Florida Panhandle. In addition, the Company operates a cashless branch in Norcross, Georgia. The Company primarily competes with other financial institutions in its market area. The Company’s primary lending market has been the states of Georgia and Alabama with Florida being added as a result of the acquisition of The First National Bank of Florida (“FNB”). The Company operates and manages as a one-bank holding company and, as such, has no reportable segments.
	The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to prevailing practices within the financial institutions industry. The following is a summary of the significant accounting policies that the Company follows in presenting its consolidated financial statements.
	(a)	Basis of Presentation
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenue and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the estimates used for fair value acquisition accounting and the FDIC receivable for loss sharing agreements, and the assessment for other-than-temporary impairment of investment securities, mortgage-backed securities, and collateralized mortgage obligations. In connection with the determination of the allowance for loan losses and the value of real estate owned, management obtains independent appraisals for significant properties. In connection with the assessment for other-than-temporary impairment of investment securities, mortgage-backed securities, and collateralized mortgage obligations, management obtains fair value estimates by independent quotations, assesses current credit ratings and related trends, reviews relevant delinquency and default information, assesses expected cash flows and coverage ratios, assesses the relative strength of credit support from less senior tranches of the securities, reviews average credit score data of underlying mortgages, and assesses other current data. The severity and duration of an impairment and the likelihood of potential recovery of an impairment is considered along with the intent and ability to hold any impaired security to maturity or recovery of carrying value.
	A substantial portion of the Company’s loans is secured by real estate located in its market area. Accordingly, the ultimate collectability of a substantial portion of the Company’s loan portfolio is susceptible to changes in the real estate market conditions of this market area.
	Certain reclassifications of 2011 and 2012 balances have been made to conform to classifications used in 2013. These reclassifications did not change net income.
	(b)	Cash and Cash Equivalents
	Cash and cash equivalents, as presented in the consolidated financial statements, include amounts due from other depository institutions and interest-bearing deposits in other financial institutions. Generally, interest-bearing deposits in other financial institutions are for one-day periods.
	(c)	Investments, Mortgage-Backed Securities, Collateralized Mortgage-Backed Securities, Collateralized Mortgage Obligations, and Federal Home Loan Bank Stock
	Investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations available for sale are reported at fair value, as determined by pricing services. The pricing service valuations are reviewed by management for reasonableness. Investment in stock of the Federal Home Loan Bank (FHLB) is required of every federally insured financial institution, which utilizes its services. The investment in FHLB stock is carried at cost and such stock is evaluated for any potential impairment.
	Purchase premiums and discounts on investment securities are amortized and accreted to interest income using a level yield method over the period to maturity of the related securities. Purchase premiums and discounts on mortgage-backed securities and collateralized mortgage obligations are amortized and accreted to interest income using the interest method over the remaining lives of the securities, taking into consideration assumed prepayment patterns.
	Gains and losses on sales of investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations are recognized on the trade date, based on the net proceeds received and the adjusted carrying amount of the specific security sold.
	A decline in the market value of any available for sale security below cost that is deemed other-than-temporary results in a charge to earnings and the establishment of a new cost basis for that security.
	(d)	Loans and Interest Income
	Loans are reported at the principal amounts outstanding, net of unearned income, deferred loan fees/origination costs, and the allowance for loan losses.
	Interest income is recognized using the simple interest method on the balance of the principal amount outstanding. Unearned income, primarily arising from deferred loan fees, net of certain origination costs, and deferred gains on the sale of the guaranteed portion of Small Business Administration (SBA) loans, is amortized over the expected lives of the underlying loans using the interest method.
	Generally, the accrual of interest income is discontinued on loans when reasonable doubt exists as to the full, timely collection of interest or principal. Interest previously accrued but not collected is reversed against current period interest income when such loans are placed on nonaccrual status. Interest on nonaccrual loans, which is ultimately collected, is credited to income in the period received.
	Impaired loans are measured 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 the collateral if the loan is collateral dependent. The Company considers a loan impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the note agreement. Large pools of smaller balance homogeneous loans, such as consumer and installment loans, are collectively evaluated for impairment by the Company. Impairment losses are included in the allowance for loan losses through a charge to the provision for loan losses. Cash receipts on impaired loans for which the accrual of interest has been discontinued are recorded as income when received unless full recovery of principal is in doubt whereby cash received is recorded as principal reduction.
	Gains or losses on the sale of mortgage loans are recognized at settlement dates and are computed as the difference between the sales proceeds received and the net book value of the mortgage loans sold.
	Loans held for sale are carried at the lower of aggregate cost or market, with market determined on the basis of open commitments for committed loans. For uncommitted loans, market is determined on the basis of current delivery prices in the secondary mortgage market.
	Acquired loans are recorded at fair value at the date of acquisition. The fair values of loans with evidence of credit deterioration (impaired loans) are recorded net of a nonaccretable difference and, if appropriate, an accretable yield. The difference between contractually required principal and interest payments at acquisition and the cash flows expected to be collected at acquisition is the nonaccretable difference, which is included in the carrying amount of acquired loans. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions, or a reclassification of the difference from nonaccretable to accretable with a positive impact on the accretion of interest income in future periods. Any excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized in interest income over the remaining life of the loan when there is reasonable expectation about the amount and timing of such cash flows. The expected cash flows method of income recognition is also used for other acquired loans in the NCB and MCB acquisitions where the loans were acquired at a discount attributable, at least in part, to credit quality.
	Performing loans acquired in the FNB acquisition are accounted for using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value. Credit losses on acquired performing loans are estimated based on analysis of the performing portfolio. Such estimated credit losses are recorded as an acquisition fair value adjustment and are accreted as an adjustment to yield over the estimated lives of the loans. Effective October 1, 2009, as a result of the adoption of new accounting guidance, there is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses is recorded for any further deterioration in these loans subsequent to the acquisition.
	Loans covered under loss sharing agreements with the FDIC (Covered Loans) are reported in loans exclusive of the expected reimbursement from the FDIC as it is not contractually embedded in the loans and loss sharing is not transferable with the loans should a decision be made to dispose of them. Covered Loans are initially recorded at fair value at the acquisition date and are continually reviewed for collectability based on the expectation of cash flows on these loans. Prospective losses incurred on Covered Loans are eligible for partial reimbursement by the FDIC under loss sharing agreements. Subsequent decreases in the amount expected to be collected result in a provision for credit losses, an increase in the allowance for loan and lease losses, and a proportional adjustment to the FDIC receivable for the estimated amount to be reimbursed. Subsequent significant increases in the amount expected to be collected result in the reversal of any previously recorded provision for credit losses and related allowance for loan and lease losses and adjustments to the FDIC receivable, or accretion of certain fair value amounts into interest income in future periods if no provision for credit losses had been recorded. Adjustments of the FDIC receivable are recorded over the lesser of the remaining life of applicable covered loans or the remaining term of loss sharing. Interest is accrued daily on the outstanding principal balances of non-impaired loans. Accretable discounts related to certain fair value adjustments are accreted into income over the estimated lives of the loans on a level yield basis.
	Covered Loans which are more than 90 days past due with respect to contractual interest or principal, unless they are well secured and in the process of collection, and other covered loans on which full recovery of principal or interest is in doubt, are placed on nonaccrual status as to contractual interest.
	In accordance with the loss sharing agreements with the FDIC, certain expenses relating to covered assets of external parties such as legal, property taxes, insurance, and the like may be partially reimbursed by the FDIC. Such qualifying future expenditures on covered assets will result in an increase to the FDIC receivable.
	(e)	Allowance for Loan Losses
	The allowance for loan losses is adjusted through provisions for loan losses charged or credited to operations. Loans are charged off against the allowance for loan losses when management believes that the collection of the principal is unlikely. Subsequent recoveries are added to the allowance. The allowance is determined through consideration of such factors as changes in the nature and volume of the portfolio, overall portfolio quality, delinquency trends, adequacy of collateral, loan concentrations, specific problem loans, and economic conditions that may affect the borrowers’ ability to pay.
	To the best of management’s ability, all known and inherent losses that are both probable and reasonable to estimate have been recorded. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to adjust the allowance based on their judgment about information available to them at the time of their examination.
	(f)	Real Estate Owned
	Real estate acquired through foreclosure, consisting of properties obtained through foreclosure proceedings or acceptance of a deed in lieu of foreclosure, is reported on an individual asset basis at the lower of cost or fair value, less disposal costs. Fair value is determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. While initial fair value is determined by independent third parties, management may subsequently reassess these valuations and apply additional discounts if necessary. When properties are acquired through foreclosure, any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is recognized and charged to the allowance for loan losses. Subsequent write-downs are charged to a separate allowance for losses pertaining to real estate owned, established through provisions for estimated losses on real estate owned charged to operations. Based upon management’s evaluation of the real estate acquired through foreclosure, additional expense is recorded when necessary in an amount sufficient to reflect any estimated declines in fair value. Gains and losses recognized on the disposition of the properties are recorded in noninterest expense in the consolidated statements of income.
	Other real estate acquired through foreclosure covered under loss sharing agreements with the FDIC is reported exclusive of expected reimbursement cash flows from the FDIC. Subsequent decreases to the estimated recoverable value of covered other real estate result in a reduction of covered other real estate, and a charge to other expense, and an increase in the FDIC receivable for the estimated amount to be reimbursed, with a corresponding amount recorded in noninterest expense.
	Costs of improvements to real estate are capitalized, while costs associated with holding the real estate are charged to operations.
	(g)	Premises and Equipment
	Premises and equipment are stated at cost, less accumulated depreciation, which is computed using the straight-line method over the estimated useful lives of the assets. The estimated useful lives of the assets range from 20 to 39 years for buildings and improvements and 3 to 15 years for furniture, fixtures, and equipment.
	(h)	Receivable from FDIC for Loss Sharing Agreements
	Under loss sharing agreements with the FDIC, the Bank recorded a receivable from the FDIC equal to the reimbursable portion of the estimated losses in the covered loans and other real estate acquired. The receivable is measured separately from the covered assets acquired as it is not contractually embedded in the loans and not transferable with the loans should a decision be made to dispose of them. The receivable was recorded at the present value of the estimated cash flows using discount rates of approximately four percent for NCB, one and a half percent for MCB, and two percent for FNB at the date of the respective acquisition and will be reviewed and updated prospectively as loss estimates related to covered loans and other real estate acquired through foreclosure change. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss share reimbursements from the FDIC. Certain adjustments to the receivable are recorded over the lesser of the remaining life of applicable covered loans or the term of loss sharing. The Bank may also record adjustments/impairment to the receivable based on a collectablility analysis as it nears the end of the various loss sharing agreements with the FDIC. Most third party expenses on real estate and covered loans are covered under the loss sharing agreements and the cash flows from the reimbursable portion are included in the estimate of cash flows.
	(i)	Mortgage Banking Activities
	As a part of normal business operations, the Company originates residential mortgage loans that have been pre-approved by secondary investors. The terms of the loans are set by the secondary investors, and the purchase price that the investor will pay for the loan is agreed to prior to the commitment of the loan by the Company. Generally within three weeks after funding, the loans are transferred to the investor in accordance with the agreed-upon terms. The Company records gains from the sale of these loans on the settlement date of the sale equal to the difference between the proceeds received and the carrying amount of the loan. The gain generally represents the portion of the proceeds attributed to servicing release premiums received from the investors and the realization of origination fees received from borrowers which were deferred as part of the carrying amount of the loan. Between the initial funding of the loans by the Company and the subsequent reimbursement by the investors, the Company carries the loans on its balance sheet at the lower of cost or market. The fair value of the underlying commitment is not material to the consolidated financial statements.
	Fees for servicing loans for investors are based on the outstanding principal balance of the loans serviced and are recognized as income when earned.
	(j)	Income Taxes
	The Company recognizes deferred tax assets and liabilities for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. In assessing the reliability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies by jurisdiction and entity in making this assessment. The Company allocates income taxes to the members of the consolidated tax return group based on their proportion of taxable income.
	(k)	Comprehensive Income
	Comprehensive income for the Company consists of net income for the period, unrealized holding gains and losses on investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations classified as available for sale, net of income taxes, and certain reclassification adjustments. For the periods ended September 30, 2013 and 2012 there were no items reclassified out of other comprehensive income with the exception of realized gains and other than temporary impairment on securities held for sale. Items reclassified out of comprehensive income are included within non-interest income on the Consolidated Statements of Income for all periods presented.
	(l)	Goodwill and Other Intangible Assets
	Intangible assets include costs in excess of net assets acquired and core deposit intangibles recorded in connection with the acquisitions of EBA Bancshares, Inc. and subsidiary, Eagle Bank of Alabama (collectively “EBA”), McIntosh Commercial Bank and The First National Bank of Florida. The core deposit intangible is being amortized over thirteen, five and six years, respectively.
	The Company tests its goodwill for impairment annually unless interim events or circumstances make it more likely than not that an impairment loss has occurred. Impairment is defined as the amount by which the implied fair value of the goodwill is less than the goodwill’s carrying value. Impairment losses, if incurred, would be charged to operating expense. For the purposes of evaluating goodwill, the Company has determined that it operates only one reporting unit. The Company performed a qualitative assessment and determined that it was not more likely than not that the fair value of the reporting unit was less than the carrying amount at September 30, 2013.
	(m)	Acquisitions
	Accounting principles generally accepted in the United States (US GAAP) requires that the acquisition method of accounting, formerly referred to as purchase method, be used for all business combinations and that an acquirer be identified for each business combination. Under US GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. US GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any noncontrolling interest in the acquiree at the acquisition date.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of Neighborhood Community Bank (“NCB”) headquartered in Newnan, Georgia on June 26, 2009. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of NCB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of NCB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities, short-term borrowings and long-term obligations that were assumed from NCB. The carrying value of certain long-term assets acquired in the acquisition of NCB, primarily the estimated value of core deposits of approximately $1.1 million, were reduced to zero by the excess of fair value of net assets acquired over liabilities assumed in the acquisition.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of McIntosh Commercial Bank (“MCB”) headquartered in Carrollton, Georgia on March 26, 2010. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of MCB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of MCB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities, short-term borrowings and long-term obligations that were assumed from MCB.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of The First National Bank of Florida (“FNB”) headquartered in Milton, Florida on September 9, 2011. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of FNB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of FNB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities acquired from FNB.
	(n)	Stock-Based Compensation
	The Company recognizes the estimated fair value of such equity instruments as expense as services are performed. The Company recognizes the total cost of the Company’s share based awards equal to the grant date fair value as expense on a straight line basis over the service periods of the awards.
	(o)	Income Per Share
	Basic net income per share is computed on the weighted average number of shares outstanding. Diluted net income per share is computed by dividing net income by weighted average shares outstanding plus potential common shares resulting from dilutive stock options, determined using the treasury stock method.
			Years Ended September 30,
			2013		2012		2011
	Net income		$	6,256,417	$	4,978,692	$	2,305,352
	Denominator:
Weighted average common shares outstanding		20,629,531		19,501,312		19,799,405
Equivalent shares issuable upon vesting of restricted stock awards and dilutive shares		162,558		36,036		46,531
Diluted shares		20,792,089		19,537,348		19,845,936
Net income per share:
Basic		$	0.3	$	0.26	$	0.12
Diluted		$	0.3	$	0.26	$	0.12
__________________________________
-1	Share and share amounts held by the public prior to April 8, 2013 have been restated to reflect the completion of the second-step conversion on April 8, 2013 using a conversion ratio of 1.2471.
(p)	Treasury Stock
Treasury stock is accounted for at cost. Prior to the completion of the second-step conversion on April 8, 2013, the Company included in treasury stock unvested shares of the Company's recognition and retention plan. The Company no longer recognizes these unvested shares as treasury stock and subsequent to the second-step conversion, has no treasury stock at September 30, 2013.
(q)	Employee Stock Ownership Plan (ESOP)
The Company has an internally-leveraged ESOP trust that covers substantially all of its employees. The Company’s common stock not yet allocated to participants is reflected as unearned compensation in stockholders’ equity. The Company records compensation expense associated with the ESOP based on the average market price (fair value) of the total Company shares committed to be released, and subsequently allocated to participants, during the year. The Company further records as compensation expense any dividends declared on unallocated Company shares in the ESOP trust. Earnings per share computations include any allocated shares in the ESOP trust.
(r)	Bank Owned Life Insurance
The Company owns life insurance policies to provide for the payment of death benefits related to existing deferred compensation and supplemental income plans maintained for the benefit of certain executives and directors of the Company. The total cash surrender value amounts of such policies at September 30, 2013 and 2012 was $39,825,881 and $33,831,920, respectively. The Company recorded, as income, increases to the cash surrender value of $993,961, $1,057,397, and $1,096,510, for the three years ended September 30, 2013, 2012, and 2011, respectively.
(s)	Recent Accounting Pronouncements
In October 2012, the FASB issued an update to the accounting standards to provide guidance on the subsequent accounting treatment for an indemnification asset recognized at the acquisition date as a result of a government-assisted acquisition of a financial institution. The amendments in this update require entities that recognize an indemnification asset (in accordance with Subtopic 805-20) as a result of a government-assisted acquisition of a financial institution and subsequently a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification) to subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). The amendments in this guidance were effective for the Company for fiscal years, and interim periods within those years, beginning on or after December 15, 2012. The adoption of this update has no impact on the consolidated financial statements because the Company's accounting procedures for the indemnification asset were in compliance with this amendment.
In February 2013, the FASB issued an update to the accounting standards to improve the reporting of reclassifications out of accumulated other comprehensive income. The amendments in this update require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. This update was effective prospectively for reporting periods beginning after December 15, 2012. The adoption of this update increased disclosures in the financial statements.

Goodwill_and_Other_Intangible_

Goodwill and Other Intangible Assets	12 Months Ended
	Sep. 30, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Goodwill and Other Intangible Assets	'
	Goodwill and Other Intangible Assets
	Goodwill and other intangible assets include cost in excess of net assets acquired and core deposit intangibles recorded in connection with certain acquisitions. Management tests goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment. The core deposit intangibles are being amortized over the average remaining life of the acquired customer deposits, ranging from five to thirteen years. The Company recorded amortization expense related to the core deposit intangible of $476,423, $547,153, and $237,437 for the years ended September 30, 2013, 2012, and 2011, respectively.
	At September 30, 2013 and 2012, intangible assets are summarized as follows:
		September 30,
		2013		2012
	Goodwill	$	4,325,282	$	4,325,282
	Core deposit intangible	$	3,369,449	$	3,369,449
	Less accumulated amortization	2,565,563		2,089,140
	Other intangible assets, net of amortization	$	803,886	$	1,280,309
	Amortization expense for the core deposit intangible for the next five years as of September 30, 2013 is as follows:
	Year Ending September 30,
	2014	$	391,566
	2015	266,181
	2016	121,531
	2017	24,608
	2018	—
		$	803,886

Federally_Assisted_Acquisition

Federally Assisted Acquisitions	12 Months Ended
	Sep. 30, 2013
Business Combinations [Abstract]	'
Federally Assisted Acquisitions	'
	Federally Assisted Acquisitions
	Neighborhood Community Bank
	On June 26, 2009, the Bank purchased substantially all of the assets and assumed substantially all the liabilities of Neighborhood Community Bank (“NCB”) from the FDIC, as Receiver of NCB. NCB operated four commercial banking branches primarily within the Newnan, Georgia area. The FDIC took NCB under receivership upon its closure by the Georgia Department of Banking and Finance. The Bank’s bid to purchase NCB included the purchase of substantially all NCB’s assets at a discount of $26,900,000 in exchange for assuming certain NCB deposits and certain other liabilities. No cash, deposit premium or other consideration was paid by the Bank. The Bank and the FDIC entered into loss sharing agreements regarding future losses incurred on loans and other real estate acquired through foreclosure existing at the acquisition date. Under the terms of the loss sharing agreements, the FDIC will reimburse the Bank for 80 percent of net losses on covered assets incurred up to $82,000,000, and 95 percent of net losses exceeding $82,000,000. The term for loss sharing on residential real estate loans is ten years, while the term for loss sharing on non-residential real estate loans is five years in respect to losses and eight years in respect to loss recoveries. As a result of the loss sharing agreements with the FDIC, the Bank recorded a receivable of $49,991,245 at the time of acquisition. As of September 30, 2013, the Bank has submitted $82,448,296, in cumulative net losses to the FDIC under the loss-sharing agreements of which $66,025,881 is reimbursable.
	McIntosh Commercial Bank
	On March 26, 2010, the Bank purchased substantially all of the assets and assumed substantially all the liabilities of McIntosh Commercial Bank (“MCB”) from the FDIC, as Receiver of MCB. MCB operated four commercial banking branches and was headquartered in Carrollton, Georgia. The FDIC took MCB under receivership upon its closure by the Georgia Department of Banking and Finance. The Bank’s bid to purchase MCB included the purchase of substantially all MCB’s assets at a discount of $53,000,000 in exchange for assuming certain MCB deposits and certain other liabilities. No cash, deposit premium or other consideration was paid by the Bank. The Bank and the FDIC entered into loss sharing agreements regarding future losses incurred on loans and other real estate acquired through foreclosure existing at the acquisition date. Under the terms of the loss sharing agreements, the FDIC will reimburse the Bank for 80 percent of net losses on covered assets incurred up to $106,000,000, and 95 percent of net losses exceeding $106,000,000. The term for loss sharing on residential real estate loans is ten years, while the term for loss sharing on non-residential real estate loans is five years in respect to losses and eight years in respect to loss recoveries. As a result of the loss sharing agreements with the FDIC, the Bank recorded a receivable of $108,252,007 at the time of acquisition. As of September 30, 2013, the Bank has submitted $133,737,333 in net cumulative losses to the FDIC under the loss-sharing agreements of which $111,150,466 is reimbursable.
	The First National Bank of Florida
	On September 9, 2011, the Bank purchased substantially all of the assets and assumed substantially all the liabilities of The First National Bank of Florida (“FNB”) from the FDIC, as Receiver of FNB. FNB operated eight commercial banking branches and was headquartered in Milton, Florida. The FDIC took FNB under receivership upon its closure by the Office of the Comptroller of the Currency. The Bank’s bid to purchase FNB included the purchase of substantially all FNB’s assets at a discount of $28,000,000 in exchange for assuming all FNB deposits and certain other liabilities. No cash, deposit premium or other consideration was paid by the Bank. The Bank and the FDIC entered into loss sharing agreements regarding future losses incurred on loans and other real estate acquired through foreclosure existing at the acquisition date. Under the terms of the loss sharing agreements, the FDIC will reimburse the Bank for 80 percent of net losses on covered assets. The term for loss sharing on residential real estate loans is ten years, while the term for loss sharing on non-residential real estate loans is five years in respect to losses and eight years in respect to loss recoveries. As a result of the loss sharing agreements with the FDIC, the Bank recorded a receivable of $51,555,999 at the time of acquisition. As of September 30, 2013, the Bank has submitted $52,116,664 in net cumulative losses to the FDIC under the loss-sharing agreements of which $41,693,331 is reimbursable.
	The loss share agreements include a true-up payment in the event FNB’s losses do not reach the FDIC’s total intrinsic loss estimate, as defined in the loss sharing agreement, of $59,483,125. On September 9, 2021, the true-up measurement date, CharterBank is required to make a true-up payment to the FDIC equal to 50 percent of the excess, if any, of the following calculation: A-(B+C+D), where (A) equals 20 percent of the Total Intrinsic Loss Estimate, or $11,896,625; (B) equals 20 percent of the Net Loss Amount; (C) equals 25 percent of the asset (discount) bid, or ($7,000,000); and (D) equals 3.5 percent of total Shared Loss Assets at Bank Closing or $7,380,467. Current loss estimates indicate that no true-up payment will be paid to the FDIC. The FDIC-assisted acquisitions of Neighborhood Community Bank (NCB”) and McIntosh Commercial Bank (“MCB”) are not subject to true-up payments.

Securities_Available_for_Sale

Securities Available for Sale	12 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Securities Available for Sale	'
	Note 4: Securities Available for Sale
	Securities available for sale are summarized as follows:
			30-Sep-13
			Amortized			Gross unrealized gains			Gross unrealized losses			Estimated
			Cost									fair value
	Other investment securities:
	Tax-free municipals		$	14,897,685		$	16,733		$	(826	)	$	14,913,592
	U.S. government sponsored entities		5,025,898			4,145			—			5,030,043
	Mortgage-backed securities:
	FNMA certificates		118,466,995			526,825			(2,692,511		)	116,301,309
	GNMA certificates		1,727,789			117,828			—			1,845,617
	FHLMC certificates		53,419,411			330,921			(584,915		)	53,165,417
	Collateralized mortgage-backed securities:
	FNMA		7,189,766			66,719			—			7,256,485
	Collateralized mortgage obligations:
	FNMA		2,207,643			66,727			—			2,274,370
	FHLMC		372,444			35,410			—			407,854
	Private-label mortgage securities:
	Investment grade		2,010,627			29,388			(90,020		)	1,949,995
	Split Rating (1)		1,292,942			—			(54,434		)	1,238,508
	Non-investment grade		11,294,468			—			(559,251		)	10,735,217
	Total		$	217,905,668		$	1,194,696		$	(3,981,957	)	$	215,118,407
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
			30-Sep-12
			Amortized			Gross			Gross			Estimated
			Cost			unrealized			unrealized			air value
						gains			losses
	Other investment securities:
	Tax-free municipals		$	11,555,068		$	25,004		$	(1,571	)	$	11,578,501
	U.S. government sponsored entities		16,519,624			107,431			—			16,627,055
	Mortgage-backed securities:
	FNMA certificates		84,836,714			1,748,088			—			86,584,802
	GNMA certificates		4,568,181			377,231			—			4,945,412
	FHLMC certificates		45,178,602			1,065,844			—			46,244,446
	Collateralized mortgage obligations:
	FNMA		7,712,770			314,386			—			8,027,156
	GNMA		499,503			3,960			(152		)	503,311
	FHLMC		533,379			46,710			—			580,089
	Private-label mortgage securities:
	Investment grade		2,480,412			32,214			(155,882		)	2,356,744
	Split Rating (1)		6,922,884			—			(676,581		)	6,246,303
	Non-investment grade		8,264,044			—			(2,578,530		)	5,685,514
	Total		$	189,071,181		$	3,720,868		$	(3,412,716	)	$	189,379,333
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
	Proceeds from called or matured securities available for sale during the years ended September 30, 2013, 2012 and 2011 were $13,531,500, $6,789,350, and $3,574,950, respectively. Proceeds from sales of securities available for sale during years ended September 30, 2013, 2012, and 2011 were $21,057,155, $41,638,363, and $41,338,234, respectively. Gross realized gains on the sale of these securities were $252,483, $950,511, and $774,277, for the years ended September 30, 2013, 2012 and 2011, respectively and gross realized losses were $2,966 and $10,745, for the years ended September 30, 2013 and 2012, respectively. There were no realized losses in 2011.
	The amortized cost and estimated fair value of investment securities available for sale as of September 30, 2013, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
			Amortized			Estimated
			cost			fair value
	Less than 1 year		$	5,025,898		$	5,030,043
	1-5 years		2,172,635			2,173,115
	Greater than 5 years		12,725,051			12,740,477
	Mortgage-backed securities		197,982,084			195,174,772
			$	217,905,668		$	215,118,407
	The Company’s investment in FHLB stock was $3,940,300 and $5,318,200 at September 30, 2013 and 2012, respectively. The investment in FHLB stock is carried at cost because it is considered a restricted stock investment with no readily determinable market value. As of September 30, 2013, the investment in FHLB stock represented approximately 0.36% of total assets and the amortized cost and fair value of this investment are equal. In determining the carrying amount of the FHLB stock, the Company evaluated the ultimate recoverability of the par value. The Company has reviewed the assessments by rating agencies, which have concluded that debt ratings are likely to remain unchanged and the FHLB has the ability to absorb economic losses, given the expectation that the various FHLB Banks have a very high degree of government support.
	Furthermore, the Company currently has sufficient liquidity or has access to other sources of liquidity to meet all operational needs in the foreseeable future, and would not have the need to dispose of this stock below the recorded amount. For the reasons above, the Company concluded that the investment in FHLB stock is not other than temporarily impaired as of September 30, 2013 and ultimate recoverability of the par value of this investment is probable.
	Securities available for sale with an aggregate carrying amount of $149,225,974 and $127,617,291 at September 30, 2013 and 2012, respectively, were pledged to secure FHLB advances.
	Securities available for sale in a continuous unrealized loss position for less than 12 months at September 30, 2013 are as follows:
			30-Sep-13
			Amortized			Gross			Estimated
			cost			unrealized			fair value
						losses
Other investment securities:
Tax-free municipals		$	722,803		$	(51	)	$	722,752
Mortgage-backed securities:
FHLMC certificates		21,328,101			(584,915		)	20,743,186
FNMA certificates		92,575,581			(2,692,511		)	89,883,070
Collateralized mortgage obligations:
Private-label mortgage securities		3,764,878			(147,843		)	3,617,035
		$	118,391,363		$	(3,425,320	)	$	114,966,043
There were no securities available for sale in a continuous unrealized loss position for less than 12 months at September 30, 2012.
Securities available for sale that have been in a continuous unrealized loss position for greater than 12 months at September 30, 2013 and 2012 are as follows:
		30-Sep-13
		Amortized			Gross			Estimated
		cost			unrealized			fair value
					losses
Other investment securities:
Tax-free municipals		$	253,404		(775		)	252,629
Collateralized mortgage obligations:
Private-label mortgage securities		9,971,596			(555,862		)	9,415,734
		$	10,225,000		$	(556,637	)	$	9,668,363
		30-Sep-12
		Amortized			Gross			Estimated
		cost			unrealized			fair value
					losses
Other investment securities:
Tax-free municipals		$	262,550		(1,571		)	260,979
Collateralized mortgage obligations:
GNMA		133,587			(152		)	133,435
Private-label mortgage securities		16,485,944			(3,410,993		)	13,074,951
		$	16,882,081		$	(3,412,716	)	$	13,469,365
At September 30, 2013, the Company had approximately $0.7 million of gross unrealized losses on private-label mortgage securities with aggregate amortized cost of approximately $13.7 million. During the year ended September 30, 2013, there were no other than temporary impairment charges recorded. Other than previously stated, the Company is projecting that it will receive essentially all contractual cash flows so there is no break in yield or additional other than temporary impairment. The remaining decline in fair value of the mortgage securities resulted from illiquidity and other concerns in the market place. The increase in the fair value of the remaining mortgage securities primarily resulted from increased liquidity and an overall improvement in the market for these securities.
Regularly, the Company performs an assessment to determine whether there have been any events or economic circumstances to indicate that a security on which there is an unrealized loss is impaired other-than-temporarily. The assessment considers many factors including the severity and duration of the impairment, the Company’s intent and ability to hold the security for a period of time sufficient for recovery in value, recent events specific to the industry, and current characteristics of each security such as delinquency and foreclosure levels, credit enhancements, and projected losses and loss coverage ratios. It is possible that the underlying collateral of these securities will perform worse than current expectations, which may lead to adverse changes in cash flows on these securities and potential future other-than-temporary impairment losses. Events that may trigger material declines in fair values for these securities in the future include but are not limited to, deterioration of credit metrics, significantly higher levels of default and severity of loss on the underlying collateral, deteriorating credit enhancement and loss coverage ratios, or further illiquidity. All of these securities were evaluated for other-than-temporary impairment based on an analysis of the factors and characteristics of each security as previously enumerated. The Company considers these unrealized losses to be temporary impairment losses primarily because of continued sufficient levels of credit enhancements and credit coverage levels of less senior tranches to tranches held by the Company.
The following table summarizes the changes in the amount of credit losses on the Company’s investment securities recognized in earnings for the years ended September 30, 2013, 2012 and 2011:
		Years Ended September 30,
		2013			2012			2011
Beginning balance of credit losses previously recognized in earnings		$	380,446		$	4,822,916		$	2,526,674
Amount related to credit losses for securities for which an other-than-temporary impairment was not previously recognized in earnings		—			—			—
Amount related to credit losses for securities for which an other-than-temporary impairment was recognized in earnings		—			273,259			2,296,242
Reduction due to credit impaired securities sold or fully settled		—			(4,715,729		)	—
Ending balance of cumulative credit losses recognized in earnings		$	380,446		$	380,446		$	4,822,916
The following table shows issuer-specific information, including current par value, book value, fair value, credit rating and unrealized gain (loss) for the Company’s portfolio of private-label mortgage obligations as of September 30, 2013.
Cusip		Description		Credit Rating (1)				Cumulative			Current Par Value		Amortized		Market		Unrealized
								Net					Cost		Value		Gain
								Impairment									(Loss)
								Losses
								Recognized
								in Earnings
				Moody	S&P		Fitch	(dollars in thousands)
Investment Grade
36228FQF6		GSR 2003-4F 1A2		n/a	AA+		A	$	—		$	269	$	269	$	282	$	13
55265KL80		MASTR 2003-8 4A1		n/a	A+		AAA	—			596		593		609		16
86359BVF5		SARM 2004-6 3A3		n/a	A+		n/a	—			1,149		1,149		1,059		(90		)
		Total						$	—		$	2,014	$	2,011	$	1,950	$	(61	)
Split Rating
17307GDL9		CMLTI 2004-HYB1 A31		B1	n/a		BBB	$	—		$	1,293	$	1,293	$	1,239	$	(54	)
		Total						$	—		$	1,293	$	1,293	$	1,239	$	(54	)
Non-Investment Grade
576433UQ7		MARM 2004-13 B1		NR	CCC		n/a	$	380		$	4,514	$	4,133	$	3,830	$	(303	)
576433VN3		MARM 2004-15 4A1		B3	n/a		CCC	—			2,472		2,472		2,379		(93		)
576433QD1		MARM 2004-7 5A1		Ba3	BB		n/a	—			4,689		4,689		4,526		(163		)
		Total						$	380		$	11,675	$	11,294	$	10,735	$	(559	)
		Grand Total						$	380		$	14,982	$	14,598	$	13,924	$	(674	)
__________________________________
-1	Credit ratings are current as of September 30, 2013.
While the underlying credit and cash flow characteristics of the private-label securities improved during the year ended September 30, 2013, there were minor downgrades in all three non-investment grade securities, two of which occurred in October 2012.

Loans_Receivable

Loans Receivable	12 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans Receivable	'
	Loans Receivable
	Loans receivable are summarized as follows:
			30-Sep-13				30-Sep-12
	Loans not covered by loss sharing agreements:
	1-4 family residential real estate		$	124,571,147			$	105,514,544
	Commercial real estate		269,609,005				251,379,010
	Commercial		23,773,942				16,596,833
	Real estate construction		44,653,355				45,369,190
	Consumer and other		17,544,816				18,107,198
	Loans receivable, net of undisbursed proceeds of loans in process		480,152,265				436,966,775
	Less:
	Unamortized loan origination fees, net		1,100,666				1,101,481
	Allowance for loan losses		8,188,896				8,189,895
	Total loans not covered, net		$	470,862,703			$	427,675,399
	The carrying amount of covered loans at September 30, 2013 and 2012 consisted of impaired loans at acquisition date and all other acquired loans and are presented in the following tables.
			30-Sep-13
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Loans covered by loss sharing agreements:
	1-4 family residential real estate		$	4,316,008			$	6,285,647			$	10,601,655
	Commercial real estate		46,170,021				61,572,581				107,742,602
	Commercial		2,844,456				4,039,892				6,884,348
	Real estate construction		—				—				—
	Consumer and other		500,382				2,894,282				3,394,664
	Loans receivable, gross		53,830,867				74,792,402				128,623,269
	Less:
	Nonaccretable difference		7,757,070				3,076,192				10,833,262
	Allowance for covered loan losses		705,446				3,218,832				3,924,278
	Accretable discount		3,508,430				1,164,941				4,673,371
	Discount on acquired performing loans		—				177,858				177,858
	Unamortized loan origination fees, net		—				22,910				22,910
	Total loans covered, net		$	41,859,921			$	67,131,669			$	108,991,590
			30-Sep-12
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Loans covered by loss sharing agreements:
	1-4 family residential real estate		$	5,619,110			$	9,421,190			$	15,040,300
	Commercial real estate		71,806,980				88,353,272				160,160,252
	Commercial		12,081,845				13,885,559				25,967,404
	Real estate construction		1,321,752				559,675				1,881,427
	Consumer and other		708,832				5,458,309				6,167,141
	Loans receivable, gross		91,538,519				117,678,005				209,216,524
	Less:
	Nonaccretable difference		14,285,220				5,096,952				19,382,172
	Allowance for covered loan losses		1,793,943				8,546,872				10,340,815
	Accretable discount		9,869,297				3,055,050				12,924,347
	Discount on acquired performing loans		—				308,728				308,728
	Unamortized loan origination fees, net		—				32,146				32,146
	Total loans covered, net		$	65,590,059			$	100,638,257			$	166,228,316
	The following table documents changes in the accretable discount on acquired loans during the years ended September 30, 2013 and 2012:
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Balance, September 30, 2011		$	16,893,100			$	4,705,432			$	21,598,532
	Loan accretion		(7,023,803		)		(1,650,382		)		(8,674,185		)
	Balance, September 30, 2012		9,869,297				3,055,050				12,924,347
	Loan accretion		(6,834,946		)		(1,957,057		)		(8,792,003		)
	Transfer from nonaccretable difference		474,079				66,948				541,027
	Balance, September 30, 2013		$	3,508,430			$	1,164,941			$	4,673,371
	The following is a summary of transactions during the years ended September 30, 2013, 2012 and 2011 in the allowance for loan losses on loans covered by loss sharing:
			September 30,
			2013				2012				2011
	Balance, beginning of year		$	10,340,815			$	6,892,425			$	15,553,536
	Loans charged-off (gross)		(7,396,953		)		(6,700,215		)		(16,103,611		)
Recoveries on loans previously charged-off		147,529				744,850				1,442,500
Provision for loan losses charged to FDIC receivable		743,443				8,202,159				4,800,000
Provision for loan losses charged to operations		89,444				1,201,596				1,200,000
Balance, end of year		$	3,924,278			$	10,340,815			$	6,892,425
The following table documents changes in the carrying value of the FDIC receivable for loss sharing agreements relating to covered loans and other real estate owned during the years ended September 30, 2013, 2012 and 2011:
		September 30,
		2013				2012				2011
Balance, beginning of year		$	35,135,533			$	96,777,791			$	89,824,798
Fair value of FDIC receivable for loss sharing agreements at acquisition		—				—				51,555,999
Payments made to (received from) FDIC		(480,550		)		(80,528,485		)		(53,615,832		)
Accretion of fair value adjustment		675,696				1,461,779				1,035,125
Impairment		(642,461		)		—				—
Recovery of previous loss reimbursements		(12,847,769		)		(3,252,736		)		(3,617,003		)
Reduction in previous loss estimates		(3,426,783		)		—				—
Provision for estimated losses on covered assets recognized in noninterest expense		7,691,463				15,976,659				4,800,000
External expenses qualifying under loss sharing agreements		3,836,733				4,700,525				6,794,704
Balance, end of year		$	29,941,862			$	35,135,533			$	96,777,791
Loan Origination and Risk Management. The Company has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.
Commercial real estate loans are generally made by the Company to Georgia, Alabama or Florida panhandle entities and are secured by properties in these states. Commercial real estate lending involves additional risks compared to one- to four-family residential lending. Repayment of commercial real estate loans often depends on the successful operations and income stream of the borrowers, and commercial real estate loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to residential real estate loans. The Company’s underwriting criteria for commercial real estate loans include maximum loan-to-value ratios, debt coverage ratios, secondary sources of repayment, guarantor requirements, net worth requirements and quality of cash flow. As part of the loan approval and underwriting of commercial real estate loans, management undertakes a cash flow analysis, and generally requires a debt-service coverage ratio of at least 1.15 times. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner occupied loans. At September 30, 2013, approximately 31.9% of the outstanding principal balance of the Company’s commercial real estate loans were secured by owner-occupied properties.
The Company makes construction and land development loans primarily for the construction of one- to four-family residences but also for multi-family and nonresidential real estate projects on a select basis. The Company offers construction loans to builders including both speculative (unsold) and pre-sold loans to pre-approved local builders. The number of speculative loans that management will extend to a builder at one time depends upon the financial strength and credit history of the builder. The Company’s construction loan program is expected to remain a modest portion of the loan volume and management generally limits the number of outstanding loans on unsold homes under construction within a specific area.
The Company also originates first and second mortgage loans secured by one- to four-family residential properties within Georgia, Alabama and the Florida panhandle. Management currently originates mortgages at all branch locations, but utilizes a centralized processing location to reduce the underwriting risk. The Company originates both fixed rate and adjustable rate one- to four-family residential mortgage loans. Fixed rate 30 year conforming loans are generally originated for resale into the secondary market on a servicing-released basis and loans that are non-conforming due to property exceptions and that have adjustable rates are generally retained in the Company’s portfolio. The non-conforming loans originated are not considered to be subprime loans and the amount of subprime and low documentation loans held by the Company is not material.
The Company originates consumer loans that consist of loans on deposits, second mortgage loans, home equity lines of credit, auto loans and various other installment loans. The Company primarily offers consumer loans (excluding second mortgage loans and home equity lines of credit) as an accommodation to customers. Consumer loans tend to have a higher credit risk than residential mortgage loans because they may be secured by rapidly depreciable assets, or may be unsecured. The Company’s consumer lending generally follows accepted industry standards for non subprime lending, including credit scores and debt to income ratios. The Company also offers home equity lines of credit as a complement to one- to four-family residential mortgage lending. The underwriting standards applicable to home equity credit lines are similar to those for one- to four-family residential mortgage loans, except for slightly more stringent credit-to-income and credit score requirements. Home equity loans are generally limited to 80% of the value of the underlying property unless the loan is covered by private mortgage insurance or a loss sharing agreement. At September 30, 2013, the Company had $12.7 million of home equity lines of credit and second mortgage loans not covered by FDIC loss sharing agreements (“loss sharing”).
The Company’s commercial business loans are generally limited to terms of five years or less. Management typically collateralizes these loans with a lien on commercial real estate or, much less frequently, with a lien on business assets and equipment. Management also generally requires the personal guarantee of the business owner. Interest rates on commercial business loans are generally higher than interest rates on residential or commercial real estate loans due to the risk inherent in this type of loan. Commercial business loans are generally considered to have more risk than residential mortgage loans or commercial real estate loans because the collateral may be in the form of intangible assets and/or readily depreciable inventory. Commercial business loans may also involve relatively large loan balances to single borrowers or groups of related borrowers, with the repayment of such loans typically dependent on the successful operation and income stream of the borrower. Such risks can be significantly affected by economic conditions. In addition, commercial business lending generally requires substantially greater supervision efforts by management compared to residential mortgage or commercial real estate lending.
The Company maintains an internal loan review function that reviews and validates the credit risk program on a periodic basis. Results of these reviews are presented to management. The loan review process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Company’s policies and procedures. The Company further engages an independent, external loan reviewer on an annual basis.
Nonaccrual and Past Due Loans. Nonaccrual loans not covered by loss sharing, segregated by class of loans were as follows:
		September 30,
		2013				2012
1-4 family residential real estate		$	1,507,760			$	2,038,340
Commercial real estate		1,120,938				771,711
Commercial		161,036				191,499
Real estate construction		—				—
Consumer and other		84,208				42,363
Total		$	2,873,942			$	3,043,913
An age analysis of past due loans not covered by loss sharing, segregated by class of loans at September 30, 2013 and 2012 were as follows:
September 30, 2013
		30-89 Days				Greater than				Total				Current				Total				Loans > 90
		Past Due				90 Days				Past Due								Loans				Days
						Past Due																Accruing
1-4 family residential real estate		$	1,116,477			$	47,283			$	1,163,760			$	123,407,387			$	124,571,147			$	47,283
Commercial real estate		524,803				836,510				1,361,313				268,247,692				269,609,005				—
Commercial		113,019				—				113,019				23,660,923				23,773,942				—
Real estate construction		37,312				—				37,312				44,616,043				44,653,355				—
Consumer and other		144,990				—				144,990				17,399,826				17,544,816				—
		$	1,936,601			$	883,793			$	2,820,394			$	477,331,871			$	480,152,265			$	47,283
September 30, 2012
		30-89 Days				Greater than				Total				Current				Total				Loans > 90
		Past Due				90 Days				Past Due								Loans				Days
						Past Due																Accruing
1-4 family residential real estate		$	1,460,017			$	621,257			$	2,081,274			$	103,433,270			$	105,514,544			$	401,726
Commercial real estate		1,459,472				—				1,459,472				249,919,538				251,379,010				—
Commercial		145,001				—				145,001				16,451,832				16,596,833				—
Real estate construction		—				—				—				45,369,190				45,369,190				—
Consumer and other		125,054				—				125,054				17,982,144				18,107,198				—
		$	3,189,544			$	621,257			$	3,810,801			$	433,155,974			$	436,966,775			$	401,726
An age analysis of past due loans covered by loss sharing, segregated by class of loans at September 30, 2013 and 2012 were as follows:
September 30, 2013
		30-89 Days				Greater than				Total				Current				Total				Loans > 90
		Past Due				90 Days				Past Due								Loans (1)				Days
						Past Due																Accruing (2)
1-4 family residential real estate		$	414,577			$	937,974			$	1,352,551			$	7,991,686			$	9,344,237			$	937,974
Commercial real estate		2,948,186				6,926,620				9,874,806				87,261,044				97,135,850				6,926,620
Commercial		534,363				611,305				1,145,668				3,950,836				5,096,504				611,305
Real estate construction		—				—				—				—				—				—
Consumer and other		2,901				97,747				100,648				2,188,490				2,289,138				97,747
		$	3,900,027			$	8,573,646			$	12,473,673			$	101,392,056			$	113,865,729			$	8,573,646
______________________________
-1	Covered loan balances are net of nonaccretable differences and allowance for covered loan losses and have not been reduced by $4,851,229 of accretable discounts.
-2	Covered loans contractually past due greater than ninety days are reported as accruing loans because of accretable discounts established at the time of acquisition.
September 30, 2012
		30-89 Days				Greater than				Total				Current				Total				Loans > 90
		Past Due				90 Days				Past Due								Loans (1)				Days and
						Past Due																Accruing (2)
1-4 family residential real estate		$	734,789			$	834,569			$	1,569,358			$	11,460,232			$	13,029,590			$	834,570
Commercial real estate		6,546,132				20,588,187				27,134,319				115,540,726				142,675,045				20,588,187
Commercial		917,019				2,984,197				3,901,216				13,723,435				17,624,651				2,984,197
Real estate construction		—				—				—				1,343,072				1,343,072				—
Consumer and other		55,441				391,755				447,196				4,373,983				4,821,179				391,754
		$	8,253,381			$	24,798,708			$	33,052,089			$	146,441,448			$	179,493,537			$	24,798,708
______________________________
-1	Covered loan balances are net of nonaccretable differences and allowance for covered loan losses and have not been reduced by $13,233,075 of accretable discounts.
-2	Covered loans contractually past due greater than ninety days are reported as accruing loans because of accretable discounts established at the time of acquisition.
Impaired Loans. The Company evaluates “impaired” loans, which includes nonperforming loans and accruing troubled debt restructured loans, having risk characteristics that are unique to an individual borrower on a loan-by-loan basis with balances above a specified level. For smaller loans, the allowance is calculated based on the credit grade utilizing historical loss experience and other qualitative factors.
Impaired loans not covered by loss sharing, segregated by class of loans were as follows:
September 30, 2013
														Year Ended
														September 30, 2013
		Recorded				Unpaid				Related				Average				Interest
		Investment				Principal				Allowance				Investment				Income
						Balance								in Impaired				Recognized
														Loans
With no related allowance recorded:
1-4 family residential real estate		$	1,614,765			$	1,931,968			$	—			$	1,699,236			$	5,901
Commercial real estate		11,863,525				14,090,218				—				13,561,174				583,465
Commercial		1,661,036				1,681,641				—				2,299,878				74,935
Real estate construction		—				—				—				—				—
Grand Total		$	15,139,326			$	17,703,827			$	—			$	17,560,288			$	664,301
There were no recorded allowances for impaired loans not covered by loss sharing at September 30, 2013. The recorded investment in accruing troubled debt restructured loans at September 30, 2013 totaled $12,302,311 and is included in the impaired loan table above.
September 30, 2012
														Year Ended
														September 30, 2012
		Recorded				Unpaid				Related				Average				Interest
		Investment				Principal				Allowance				Investment				Income
						Balance								in Impaired				Recognized
														Loans
With no related allowance recorded:
1-4 family residential real estate		$	2,500,824			$	2,982,895			$	—			$	2,867,188			$	31,122
Commercial real estate		12,469,240				14,063,513				—				13,689,972				568,615
Commercial		2,847,862				2,860,935				—				2,908,659				95,676
Real estate construction		5,925				34,844				—				32,735				296
Grand Total		$	17,823,851			$	19,942,187			$	—			$	19,498,554			$	695,709
There were no recorded allowances for impaired loans not covered by loss sharing at September 30, 2012. The recorded investment in accruing troubled debt restructured loans at September 30, 2012 totaled $14,420,575 and is included in the impaired loan table above.
Credit Quality Indicators. As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio for both loans covered and not covered by loss sharing agreements, management tracks certain credit quality indicators including the level of classified loans, net charge-offs, non-performing loans (see details above) and the general economic conditions in its market areas.
The Company utilizes a risk grading to assign a risk grade to each of its loans. Loans are graded on a scale of 1 to 8. The risk grade for each individual loan is determined by the loan officer and other approving officers at the time of loan origination and is changed from time to time to reflect an ongoing assessment of loan risk. Risk grades are reviewed on specific loans monthly for all delinquent loans as a part of monthly meetings held by the Loan Committee, quarterly for all nonaccrual and special reserve loans, and annually as part of the Company’s internal loan review process. In addition, individual loan risk grades are reviewed in connection with all renewals, extensions and modifications. Risk grades for covered loans are determined by officers within the Special Assets Division based on an ongoing assessment of loan risk. Such risk grades are updated in a manner consistent with non-covered loans, except the grading of such loans are assessed quarterly, as applicable, relating to revised estimates of expected cash flows. A description of the general characteristics of the 8 risk grade factors is as follows:
Grade 1: Virtual Absence of Credit Risk (Pass 1) – Loans graded 1 are substantially risk-free or have limited risk. They are characterized by loans to borrowers with unquestionable financial strength and a long history of solid earnings performance. Loans to borrowers collateralized by cash or equivalent liquidity may be included here. Loans secured, by readily marketable collateral may also be graded 1 provided the relationship meets all other characteristics of the grade.
Grade 2: Minimal Credit Risk (Pass 2) – Loans graded 2 represent above average borrowing relationships, generally with local borrowers. Such loans will have clear, demonstrative sources of repayment, financially sound guarantors, and adequate collateral.
Grade 3: Less Than Average Credit Risk (Pass 3) – Loans graded 3 are of average credit quality, are properly structured and documented and require only normal supervision. Financial data is current and document adequate revenue, cash flow, and satisfactory payment history to indicate that financial condition is satisfactory. Unsecured loans are normally for a specific purpose and short term. Secured loans have properly margined collateral. Repayment terms are realistic, clearly defined and based upon a primary, identifiable source of repayment. All grade 3 loans meet the Company’s lending guidelines.
Grade 4: Acceptable With Average Risk (Pass 4) – Loans graded 4 represent loans where a borrower’s character, capacity, credit or collateral may be a concern. Grade 4 loans will be performing credits and will not necessarily represent weakness unless that area of weakness remains unresolved. Loans most commonly graded 4 will likely include loans with technical exceptions, loans outside of policy parameters without justification for exception and loans with collateral imperfections. Loans in this category, while acceptable, generally warrant close monitoring. Resolution of questionable areas will generally result in an upgrade or downgrade.
Grade 5: Special Mention – (Greater Than Normal Credit Risk) – Loans graded 5 have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or the bank’s credit position at a future date. Grade 5 loans should include loans where repayment is highly probable, but timeliness of repayment is uncertain due to unfavorable developments. Special Mention assets are not adversely classified and do not expose the bank to sufficient risk to warrant adverse classification. Assets that could be included in this category include loans that have developed credit weaknesses since origination as well as those that were originated with such weaknesses. Special Mention is not to be used to identify an asset that has as its sole weakness credit data exceptions or collateral documentation exceptions that are not material to the timely repayment of the asset.
Grade 6: Substandard – (Excessive Credit Risk) – Grade 6 loans are inadequately protected by current sound worth and paying capacity of the borrower or of collateral pledged. Substandard assets have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Loans in this category are characterized by the distinct probability that the bank will sustain some loss if the deficiencies are not corrected.
Grade 7: Doubtful – (Potential Loss) – Loans graded 7 possess all of the characteristics of Substandard loans with the addition that full collection is improbable on the basis of existing facts, values, and conditions. Possibility of loss is high; however, due to important and reasonably specific pending factors that may work to the loans’ advantage, a precise indication of estimated loss is deferred until a more exact status can be determined. The Doubtful classification is not to be used to defer the full recognition of an expected loss.
Grade 8: Loss – That portion of an asset classified Loss is considered uncollectible and of such little value that its continuance as an asset, without establishment of a specific valuation allowance or charge-off is not warranted. This classification does not necessarily mean that an asset has absolutely no recovery or salvage value; but rather, it is not practical or desirable to defer writing off an essentially worthless asset (or portion) even though partial recovery may be affected in the future. An asset may be subject to a split classification whereby two or more portions of the same asset are given separate classifications.
The following table presents the risk grades of the loan portfolio not covered by loss sharing, segregated by class of loans:
September 30, 2013
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total
		residential				real estate								construction				and other
		real estate
Pass (1-4)		$	117,274,336			$	245,346,763			$	20,708,908			$	44,628,569			$	16,756,882			$	444,715,458
Special Mention (5)		2,438,309				2,094,817				996,970				—				471,186				6,001,282
Substandard (6)		4,858,502				22,167,425				2,068,064				24,786				315,848				29,434,625
Doubtful (7)		—				—				—				—				900				900
Loss (8)		—				—				—				—				—				—
Total not covered loans		$	124,571,147			$	269,609,005			$	23,773,942			$	44,653,355			$	17,544,816			$	480,152,265
September 30, 2012
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total
		residential				real estate								construction				and other
		real estate
Pass (1-4)		$	97,045,428			$	217,582,908			$	13,252,993			$	44,075,754			$	17,357,541			$	389,314,624
Special Mention (5)		3,525,488				11,396,970				93,033				286,505				559,982				15,861,978
Substandard (6)		4,943,628				22,399,132				3,250,807				1,006,931				189,675				31,790,173
Doubtful (7)		—				—				—				—				—				—
Loss (8)		—				—				—				—				—				—
Total not covered loans		$	105,514,544			$	251,379,010			$	16,596,833			$	45,369,190			$	18,107,198			$	436,966,775
The following tables present the risk grades, ignoring grade enhancement provided by the FDIC loss sharing, of the loan portfolio covered by loss sharing agreements, segregated by class of loans at September 30, 2013 and 2012. Numerical risk ratings 5-8 constitute classified assets for regulatory reporting; however, regulatory authorities consider the FDIC loss sharing percentage of either 80% or 95%, as applicable, as a reduction of the regulatory classified balance for covered loans.
September 30, 2013
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total (1)
		residential				real estate								construction				and other
		real estate
Numerical risk rating (1-4)		$	5,318,294			$	45,762,355			$	2,988,721			$	—			$	1,658,075			$	55,727,445
Numerical risk rating (5)		1,094,186				20,231,874				454,554				—				440,058				22,220,672
Numerical risk rating (6)		2,925,433				29,491,113				1,058,143				—				190,171				33,664,860
Numerical risk rating (7)		6,324				1,650,508				595,086				—				834				2,252,752
Numerical risk rating (8)		—				—				—				—				—				—
Total covered loans (1)		$	9,344,237			$	97,135,850			$	5,096,504			$	—			$	2,289,138			$	113,865,729
______________________________
-1	Covered loan balances are net of nonaccretable differences and allowances for covered loan losses and have not been reduced by $4,851,229 of accretable discounts.
September 30, 2012
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total (1)
		residential				real estate								construction				and other
		real estate
Numerical risk rating (1-4)		$	7,153,464			$	56,448,239			$	6,912,992			$	—			$	4,011,268			$	74,525,963
Numerical risk rating (5)		2,223,780				27,564,628				4,040,798				1,343,072				224,720				35,396,998
Numerical risk rating (6)		3,217,548				54,282,789				5,127,288				—				581,495				63,209,120
Numerical risk rating (7)		434,798				4,379,389				1,543,573				—				3,696				6,361,456
Numerical risk rating (8)		—				—				—				—				—				—
Total covered loans (1)		$	13,029,590			$	142,675,045			$	17,624,651			$	1,343,072			$	4,821,179			$	179,493,537
______________________________
-1	Covered loan balances are net of nonaccretable differences and allowances for covered loan losses and have not been reduced by $13,233,075 of accretable discounts.
With respect to classified assets covered by loss sharing agreements, numerical risk ratings 5-8, for regulatory reporting purposes are done under FDIC guidance reporting the bank’s non-reimbursable amount of the book balance of the loan as classified. The remaining reimbursable portion is classified as pass, numerical risk ratings 1-4.
Allowance for Loan Losses. The allowance for loan losses is established through a provision for loan losses charged to expense and is an amount that management believes will be adequate to absorb losses on existing loans that become uncollectible, based on evaluations of the collectability of loans. The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, historical loss rates, overall portfolio quality, review of specific problem loans, and current economic conditions and trends that may affect a borrower’s ability to repay. Loans are charged against the allowance for loan losses when management believes that the collectability of the principal is unlikely and subsequent recoveries are added to the allowance.
Management’s allowance for loan losses methodology is a loan classification-based system. Management bases the required reserve on a percentage of the loan balance for each type of loan and classification level. Loans may be classified manually and are automatically classified if they are not previously classified when they reach certain levels of delinquency. Unclassified loans are reserved at different percentages based on the loan loss history of the last two years. Reserve percentages are also adjusted based upon our estimate of the effect that the current economic environment will have on each type of loan.
Management segments its allowance for loan losses into the following four major categories: (1) specific reserves; (2) general allowances for Classified/Watch loans; (3) general allowances for loans with satisfactory ratings; and (4) an unallocated amount. Risk ratings are initially assigned in accordance with CharterBank’s loan and collection policy. An organizationally independent department reviews risk grade assignments on an ongoing basis. Management reviews current information and events regarding a borrowers’ financial condition and strengths, cash flows available for debt repayment, the related collateral supporting the loan and the effects of known and expected economic conditions. When the evaluation reflects a greater than normal risk associated with the individual loan, management classifies the loan accordingly. If the loan is determined to be impaired, management allocates a portion of the allowance for loan losses for that loan based on the fair value of the collateral, if the loan is considered collateral-dependent, as the measure for the amount of the impairment. Impaired and Classified/Watch loans are aggressively monitored.
The allowances for loans by credit grade are further subdivided by loan type. Charter Financial has developed specific quantitative allowance factors to apply to each loan which considers loan charge-off experience over the most recent two years by loan type. In addition, loss estimates are applied for certain qualitative allowance factors that are subjective in nature and require considerable judgment on the part of management. Such qualitative factors include economic and business conditions, the volume of past due loans, changes in the value of collateral of collateral-dependent loans, and other economic uncertainties. An unallocated component of the allowance is also established for losses that exist in the remainder of the portfolio, but have yet to be identified.
An unallocated allowance is generally maintained in a range of 4% to 12% of the total allowance in recognition of the imprecision of the estimates and other factors. In times of greater economic downturn and uncertainty, the higher end of this range is provided.
Through the FDIC-assisted acquisitions of the loans of NCB, MCB and FNB, management established nonaccretable discounts for the acquired impaired loans and also for all other loans of MCB. These nonaccretable discounts were based on estimates of future cash flows. Subsequent to the acquisition dates, management continues to assess the experience of actual cash flows compared to estimates. When management determines that nonaccretable discounts are insufficient to cover expected losses in the applicable covered loan portfolios, the allowance for covered loans is increased with a corresponding provision for covered loan losses as a charge to earnings and an increase in the applicable FDIC receivable based on loss sharing indemnification.
The Company maintained its allowance for loan losses for the years ended September 30, 2013 and 2012 in response to continued weak economic conditions, net charge-offs, financial indicators for borrowers in the real estate sectors, continuing low collateral values of commercial and residential real estate, and nonaccrual and impaired loans. The following table details the allowance for loan losses on loans not covered by loss sharing by portfolio segment as of September 30, 2013 and 2012. Allocation of a portion of the allowance to one category of loans does not preclude availability to absorb losses in other categories.
The following tables are a summary of transactions in the allowance for loan losses on loans not covered by loss sharing by portfolio segment:
	Year ended September 30, 2013
	1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
	real estate				real estate								construction				and other
Allowance for loan losses:
Balance at beginning of year	$	879,854			$	5,480,132			$	711,594			$	287,129			$	79,627			$	751,559		$	8,189,895
Charge-offs	(224,676		)		(1,121,815		)		(164,923		)		—				(89,957		)		—			(1,601,371		)
Recoveries	58,784				92,769				39,600				6,875				2,344				—			200,372
Provision (credit)	148,081				995,271				(130,438		)		93,298				132,703				161,085			1,400,000
Balance at end of period	$	862,043			$	5,446,357			$	455,833			$	387,302			$	124,717			$	912,644		$	8,188,896
Ending balance: individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—						$	—
Loans:
Ending balance	$	124,571,147			$	269,609,005			$	23,773,942			$	44,653,355			$	17,544,816						$	480,152,265
Ending balance: individually evaluated for impairment	$	1,614,765			$	11,863,525			$	1,661,036			$	—			$	—						$	15,139,326
	Year ended September 30, 2012
	1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
	real estate				real estate								construction				and other
Allowance for loan losses:
Balance at beginning of year	$	633,364			$	5,972,310			$	821,830			$	1,065,512			$	48,276			$	828,545		$	9,369,837
Charge-offs	(1,180,899		)		(2,824,917		)		(408,314		)		(28,919		)		(87,735		)		—			(4,530,784		)
Recoveries	3,881				359				41,473				—				5,129				—			50,842
Provision (credit)	1,423,508				2,332,380				256,605				(749,464		)		113,957				(76,986		)	3,300,000
Balance at end of period	$	879,854			$	5,480,132			$	711,594			$	287,129			$	79,627			$	751,559		$	8,189,895
Ending balance: individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—						$	—
Loans:
Ending balance	$	105,514,544			$	251,379,010			$	16,596,833			$	45,369,190			$	18,107,198						$	436,966,775
Ending balance: individually evaluated for impairment	$	2,500,824			$	12,469,240			$	2,847,862			$	5,925			$	—						$	17,823,851
	Year Ended September 30, 2011
	1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
	real estate				real estate								construction				and other
Allowance for loan losses:
Balance at beginning of year	$	1,023,078			$	6,103,391			$	623,479			$	1,236,169			$	79,149			$	731,829		$	9,797,095
Charge-offs	(600,210		)		(957,064		)		(517,435		)		(21,822		)		(151,992		)		—			(2,248,523		)
Recoveries	63,310				—				36,756				159				21,040				—			121,265
Provision (credit)	147,186				825,983				679,030				(148,994		)		100,079				96,716			1,700,000
Balance at end of period	$	633,364			$	5,972,310			$	821,830			$	1,065,512			$	48,276			$	828,545		$	9,369,837
Ending balance: individually evaluated for impairment	$	—			$	1,162,795			$	66,818			$	—			$	—						$	1,229,613
Loans:
Ending balance	$	98,844,828			$	252,037,202			$	17,612,661			$	41,726,520			$	20,137,875						$	430,359,086
Ending balance: individually evaluated for impairment	$	5,854,706			$	10,226,833			$	2,490,107			$	1,577,590			$	—						$	20,149,236
The following tables detail the nonaccretable discount and allowance for loan losses on loans covered by loss sharing by portfolio segment.
	Year Ended September 30, 2013
	1-4 family				Commercial				Commercial				Real estate				Consumer				Total
	real estate				real estate								construction				and other
Nonaccretable differences: (1)
Balance at beginning of year	$	2,010,709			$	17,485,206			$	8,342,754			$	538,355			$	1,345,963			$	29,722,987
Charge-offs	(745,066		)		(7,892,019		)		(3,495,072		)		(108,484		)		(313,116		)		(12,553,757		)
Recoveries	12,491				579,021				129,368				1,000				1,353				723,233
Reduction in previous loss estimates credited to FDIC receivable	—				(22,951		)		(3,006,250		)		(345,126		)		(52,456		)		(3,426,783		)
Provision for loan losses charged to FDIC receivable	18,424				493,706				99,108				—				132,205				743,443
(Credit) provision for loan losses charged to operations	(39,139		)		(35,003		)		168,342				536				(5,292		)		89,444
Transfer to accretable discount	—				(1,208		)		(450,406		)		(86,281		)		(3,132		)		(541,027		)
Ending balance	$	1,257,419			$	10,606,752			$	1,787,844			$	—			$	1,105,525			$	14,757,540
Covered loans:
Ending contractual balance	$	10,601,655			$	107,742,602			$	6,884,348			$	—			$	3,394,664			$	128,623,269
______________________________
-1	Amounts include the allowance for covered loan losses.
	Year Ended September 30, 2012
	1-4 family				Commercial				Commercial				Real estate				Consumer				Total
	real estate				real estate								construction				and other
Nonaccretable differences: (1)
Balance at beginning of year	$	3,429,923			$	61,165,928			$	7,706,431			$	2,970,506			$	764,924			$	76,037,712
Charge-offs	(1,515,979		)		(49,170,125		)		(6,664,343		)		(2,533,954		)		(390,044		)		(60,274,445		)
Recoveries	7,665				394,841				4,150,489				—				2,970				4,555,965
Provision for loan losses charged to FDIC receivable	85,717				4,165,963				2,907,496				96,225				946,758				8,202,159
Provision for loan losses charged to operations	3,383				928,599				242,681				5,578				21,355				1,201,596
Ending balance	$	2,010,709			$	17,485,206			$	8,342,754			$	538,355			$	1,345,963			$	29,722,987
Covered loans:
Ending contractual balance	$	15,040,300			$	160,160,252			$	25,967,404			$	1,881,427			$	6,167,141			$	209,216,524
______________________________
-1	Amounts include the allowance for covered loan losses.
	Year Ended September 30, 2011
	1-4 family				Commercial				Commercial				Real estate				Consumer				Total
	real estate				real estate								construction				and other
Nonaccretable differences: (1)
Balance at beginning of year	$	1,856,851			$	39,160,920			$	23,266,859			$	2,497,018			$	1,632,467			$	68,414,115
Charge-offs	(53,748		)		(24,943,324		)		(20,020,399		)		(2,811,511		)		(1,887,271		)		(49,716,253		)
Recoveries	67,943				1,220,753				3,334,031				74,875				41,249				4,738,851
Acquisition	1,310,279				41,265,945				1,060,365				2,962,061				2,349				46,600,999
Provision for loan losses charged to FDIC receivable	198,879				3,569,308				52,460				198,449				780,904				4,800,000
Provision for loan losses charged to operations	49,719				892,326				13,115				49,614				195,226				1,200,000
Ending balance	$	3,429,923			$	61,165,928			$	7,706,431			$	2,970,506			$	764,924			$	76,037,712
Covered loans:
Ending contractual balance	$	19,923,962			$	263,261,697			$	32,741,770			$	8,838,691			$	8,581,442			$	333,347,562
______________________________
-1	Amounts include the allowance for covered loan losses.
In addition to the above, the Company was servicing mortgage loans primarily for others with aggregate principal balances of $8,116,349, $10,858,784, and $14,863,296 at September 30, 2013, 2012, and 2011, respectively. Also, for further information, see Note 11 - Borrowings for loans pledged as collateral.
Loans to certain executive officers, directors, and their associates totaled $683,995 and $802,957 at September 30, 2013 and 2012, respectively. Management believes that such loans were made in the ordinary course of business on substantially the same terms, including interest rate and collateral, as those prevailing at the time for comparable transactions with other persons, and did not involve more than the normal credit risk nor present other unfavorable features.
The following is a summary of activity with respect to such aggregate loans to these individuals and their associates and affiliated companies:
		September 30,
		2013				2012
Beginning balance		$	802,957			$	1,521,462
Additions to new officer loans		—				—
Repayments		(118,962		)		(718,505		)
Ending balance		$	683,995			$	802,957
For the years ended September 30, 2013 and 2012, the following tables present a breakdown of the types of concessions determined to be troubled debt restructurings (“TDRs”) during the period by loan class:
	Accruing Loans											Nonaccrual Loans
	Year Ended September 30, 2013											Year Ended September 30, 2013
	Number of			Pre-Modification				Post-Modification				Number of			Pre-Modification				Post-Modification
	loans			Outstanding				Outstanding				loans			Outstanding				Outstanding
				Recorded				Recorded							Recorded				Recorded
				Investment				Investment							Investment				Investment
Payment structure modification
Commercial Real Estate	1			315,308				251,970				1			80,462				41,080
Total	1			$	315,308			$	251,970			1			$	80,462			$	41,080
	Accruing Loans											Nonaccrual Loans
	Year Ended September 30, 2012											Year Ended September 30, 2012
	Number of			Pre-Modification				Post-Modification				Number of			Pre-Modification				Post-Modification
	Loans			Outstanding				Outstanding				Loans			Outstanding				Outstanding
				Recorded				Recorded							Recorded				Recorded
				Investment				Investment							Investment				Investment
Below market interest rate
Commercial Real Estate	10			$	4,854,691			$	4,802,649			—			$	—			$	—
Commercial	1			2,656,363				2,624,018				—			—				—
Total	11			$	7,511,054			$	7,426,667			—			$	—			$	—
Payment structure modification
Commercial Real Estate	2			$	94,792			$	94,792			1			$	131,841			$	131,022
Total	2			$	94,792			$	94,792			1			$	131,841			$	131,022
Grand Total	13			$	7,605,846			$	7,521,459			1			$	131,841			$	131,022
Loans are classified as restructured by the Company when certain modifications are made to the loan terms and concessions are granted to the borrowers due to financial difficulty experienced by those borrowers. The Company only restructures loans for borrowers in financial difficulty that have presented a viable business plan to fully pay off all obligations, including outstanding debt, interest, and fees, either by generating additional income from the business or through liquidation of assets. Generally, these loans are restructured to provide the borrower additional time to execute upon their plans. The concessions granted on TDRs generally include terms to reduce the interest rate or extend the term of the debt obligation.
Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the loan is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of six months).
At September 30, 2013, restructured loans with a modified balance of $12,302,311 were performing and $438,789 were nonperforming. At September 30, 2012, restructured loans with a modified balance of $14,420,575 were performing and $521,604 were nonperforming.
As of September 30, 2013 there were no loans that were modified as troubled debt restructurings within the previous twelve months that defaulted after their restructure. As of September 30, 2012, loans with a balance of $199,000 defaulted within twelve months after their restructure.

Derivative_Instruments_and_Hed

Derivative Instruments and Hedging Activities	12 Months Ended
	Sep. 30, 2013
Derivative Instruments and Hedging Activities Disclosure [Abstract]	'
Derivative Instruments and Hedging Activities	'
	Derivative Instruments and Hedging Activities
	Previously, the Bank entered into interest rate swap contracts in connection with its hedging of specific loans. As of June 30, 2013, the Bank had entered into interest rate swaps totaling approximately $4.4 million using a receive-variable swap to mitigate the exposure to changes in the fair value attributable to the benchmark interest rate (fixed rate) and the hedged items (loans receivable) from the effective date of the hedged instruments. During the quarter ended September 30, 2013, the Company closed out its interest rate contract with an unwind date of August 26, 2013. A gain position of $189,054 was realized on the termination of this contract which will be accreted into income as an adjustment to yield over the remaining life of the loans.

Accrued_Interest_and_Dividends

Accrued Interest and Dividends Receivable	12 Months Ended
	Sep. 30, 2013
Accrued Interest And Dividends Receivable Disclosure [Abstract]	'
Accrued Interest and Dividends Receivable	'
	Accrued Interest and Dividends Receivable
	At September 30, 2013 and 2012, accrued interest and dividends receivable are summarized as follows:
		September 30,
		2013		2012
	Loans receivable	$	2,086,658	$	2,520,272
	Mortgage-backed securities and collateralized mortgage obligations	453,319		462,466
	Other investment securities	188,925		258,582
		$	2,728,902	$	3,241,320

Real_Estate_Owned

Real Estate Owned	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Real Estate Owned	'
	Real Estate Owned
	The following is a summary of transactions in other real estate owned:
	Non-covered real estate owned
		September 30,
		2013			2012			2011
	Balance, beginning of year	$	2,106,757		$	4,093,214		$	9,641,425
	Real estate acquired through foreclosure of loans receivable	1,540,046			2,577,269			3,760,607
	Real estate sold	(1,542,186		)	(3,453,111		)	(8,203,154		)
	Write down of real estate owned	(611,054		)	(612,541		)	(774,616		)
	Gain (loss) on sale of real estate owned	121,473			(24,074		)	(44,894		)
	Real estate transferred to premises and equipment	—			(474,000		)	(286,154		)
	Balance, end of year	$	1,615,036		$	2,106,757		$	4,093,214
	Covered real estate owned
		September 30,
		2013			2012			2011
	Balance, beginning of year	$	21,903,204		$	24,671,626		$	29,626,581
	Real estate acquired and subject to FDIC loss sharing agreement	—			—			7,556,102
	Real estate acquired through foreclosure of loans receivable	15,771,880			22,602,951			11,070,057
	Real estate sold	(20,260,362		)	(16,911,373		)	(23,581,114		)
	Gain on real estate sold recognized in noninterest expense	460,189			—			—
	Gain on real estate sold payable to FDIC	4,214,243			—			—
	Provision for losses on real estate owned recognized in noninterest expense	(1,072,288		)	(685,500		)	—
	Increase of FDIC receivable for loss sharing agreements	(6,948,020		)	(7,774,500		)	—
	Balance, end of year	$	14,068,846		$	21,903,204		$	24,671,626

Premises_and_Equipment

Premises and Equipment	12 Months Ended
	Sep. 30, 2013
Property, Plant and Equipment [Abstract]	'
Premises and Equipment	'
	Premises and Equipment
	Premises and equipment at September 30, 2013 and 2012 is summarized as follows:
		September 30,
		2013		2012
	Land	$	5,764,540	$	6,882,381
	Buildings and improvements	18,233,675		18,564,624
	Furniture, fixtures, and equipment	6,344,116		6,470,985
	Construction in progress	—		90,248
		30,342,331		32,008,238
	Less accumulated depreciation	8,591,575		8,397,596
		$	21,750,756	$	23,610,642
	Depreciation expense for premises and equipment for the years ended September 30, 2013, 2012, and 2011, was $1,095,575, $1,235,436, and $1,096,342, respectively. During the year ended September 30, 2013, the Company transferred select assets with a value of $1,514,108 and accumulated depreciation of $355,962 from premises and equipment to assets available for sale.

Deposits

Deposits	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Deposits	'
	Deposits
	At September 30, 2013 and 2012, deposits are summarized as follows:
		September 30, 2013								September 30, 2012
		Amount			Range of			Weighted		Amount		Range of			Weighted
					interest			average				interest			average
					rates			interest				rates			interest
								rates							rates
	Demand, NOW, and money market accounts	$	427,102,317		0	-	1.49%	0.15%		$	405,100,488	0	-	1.49%	0.22%
	Savings deposits	48,323,722			0.04	-	0.04%	0.04%		51,191,715		0.05	-	0.05%	0.05%
	Time deposits by original term:
	Time deposits $100,000 and over	138,519,823			0	-	4.35%	1.33%		177,919,765		0	-	4.35%	1.41%
	Other time deposits:
	12 months or less	89,763,175			0.03	-	4.35%	0.45%		113,512,566		0.03	-	5.40%	0.65%
	13-36 months	36,838,249			0.2	-	3.70%	1.78%		40,164,500		0.05	-	4.35%	1.72%
	37 months or more	10,749,382			0.15	-	1.63%	1.15%		12,372,512		0.15	-	2.58%	1.67%
	Total deposits	751,296,668						0.47%		800,261,546					0.62%
	Accrued interest payable	31,287								117,630
		$	751,327,955							$	800,379,176
	Accrued interest payable is included in other liabilities in the consolidated statements of financial condition.
	Historically, the Company accepted out of market time deposits from various credit unions and/or brokers as a source of funds. The balance of the broker deposits was $5.0 million and $10.2 million at September 30, 2013 and 2012, respectively, and the balance of the credit union deposits was $0.4 million and $10.7 million at September 30, 2013 and 2012, respectively.
	At September 30, 2013, scheduled maturities of time deposits are as follows:
	2014	$	167,649,399
	2015	66,477,430
	2016	18,428,572
	2017	12,740,678
	2018 and thereafter	10,574,550
		$	275,870,629
	Interest expense on deposits for the years ended September 30, 2013, 2012, and 2011 is summarized as follows:
			Years Ended September 30,
			2013			2012			2011
	Demand, NOW, and money market accounts		$	693,756		$	1,035,681		$	1,691,458
	Savings deposits		23,300			104,043			37,212
	Time deposits		3,525,792			5,454,537			7,666,875
			$	4,242,848		$	6,594,261		$	9,395,545
	Deposits of certain officers, directors, and their associates totaled $2.9 million and $3.9 million at September 30, 2013 and 2012, respectively. Management believes that such deposits have substantially the same terms as those for comparable transactions with other unrelated parties.

Borrowings

Borrowings	12 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
Borrowings	'
	Borrowings
	At September 30, 2013 and 2012, borrowings are summarized as follows:
		September 30,
		2013		2012
	Federal Home Loan Bank advances	$	60,000,000	$	81,000,000
	Total Borrowings	$	60,000,000	$	81,000,000
	FHLB advances at September 30, 2013 and 2012 are summarized by year of maturity in the table below:
		30-Sep-13									30-Sep-12
		Amount		Range of				Weighted			Amount		Range of		Weighted
				interest rates				average					interest rates		average
								interest rates							interest rates
	Less than one year	$	5,000,000		3.8	%			3.8	%	$	21,000,000		0.36-3.88%		3.49	%
	One to two years	5,000,000			3.99				3.99		5,000,000			3.8		3.8
	Two to three years	25,000,000			4.33				4.33		5,000,000			3.99		3.99
	Three to four years	—			—				—		25,000,000			4.33		4.33
	Four to five years	—			—				—		—			—		—
	Thereafter	25,000,000			4.3				4.3		25,000,000			4.3		4.3
		$	60,000,000						4.24	%	$	81,000,000				4.05	%
	During 2013 the Company paid off $20.0 million of FHLB advances with $10.0 million maturing in March 2013 and another $10.0 million maturing in September 2013. Also, a $1.0 million overnight advance was paid off in October 2012. During 2012 the Company paid off $30 million of FHLB advances which had maturities in March 2012.
	At September 30, 2013, the Company has pledged, under a blanket floating collateral lien with the FHLB, all stock of the FHLB, certain qualifying first mortgage loans with unpaid principal balances totaling $67,402,195 certain commercial real estate loans with unpaid principal balances totaling $52,637,980, and certain available for sale securities, with an aggregate carrying amount of $149,225,974.
	All of the FHLB advances are fixed rates at September 30, 2013. The Company’s FHLB advances include $25.0 million of advances that are callable by the FHLB under certain circumstances. The advances from the FHLB are subject to prepayment penalties.
	At September 30, 2013, the Company had available line of credit commitments with the FHLB totaling $337,280,000, of which $60,000,000 was advanced and $277,280,000 was available at September 30, 2013 based on total assets; however, based on actual collateral available, $182,281,862 was available. At September 30, 2013, the Company had an available line of credit based on the collateral available of $53,320,136 with the Federal Reserve Bank of Atlanta.
	Interest expense on borrowings for the years ended September 30, 2013, 2012, and 2011, is summarized as follows:
		Years Ended September 30,
		2013		2012			2011
	Securities sold under agreements to repurchase	$	—	$	—		$	536
	Federal Home Loan
	Bank advances	3,118,271		3,994,754			5,831,456
		$	3,118,271	$	3,994,754		$	5,831,992

Income_Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2013
Income Tax Disclosure [Abstract]	'
Income Taxes	'
	Income Taxes
	Income tax expense (benefit) attributable to income from continuing operations for the years ended September 30, 2013, 2012, and 2011 consists of:
		Years Ended September 30,
		2013			2012			2011
	Federal
	Current	$	6,045,389		$	3,057,729		$	2,518,411
	Deferred	(3,270,355		)	(2,247,339		)	(1,767,062		)
	Total federal tax expense	2,775,034			810,390			751,349
	State
	Current	438,345			320,035			149,480
	Deferred	(344,879		)	(491,375		)	(206,437		)
	Total state tax expense (benefit)	93,466			(171,340		)	(56,957		)
		$	2,868,500		$	639,050		$	694,392
	The difference between the actual total provision for federal and state income taxes and federal income taxes computed at the statutory rate of 35% for the years ended September 30, 2013, 2012, and 2011 is summarized as follows:
		Years Ended September 30,
		2013			2012			2011
	Computed “expected” tax expense	$	3,193,721		$	1,966,210		$	1,049,910
	Increase (decrease) in tax expense resulting from:
	State income taxes, net of federal tax effect	60,753			(111,371		)	(37,022		)
	Tax-exempt income	(367,327		)	(437,006		)	(383,779		)
	Market value appreciation (depreciation) of ESOP shares	33,952			(2,816		)	—
	Management retirement plan	(12,884		)	51,224			—
	Release of uncertain tax position reserve	—			(1,010,000		)	—
	Other, net	(39,715		)	182,809			65,283
	Income tax expense	$	2,868,500		$	639,050		$	694,392
	The effective tax rate for the years ended September 30, 2013, 2012, and 2011, was 31.44%, 11.38%, and 23.15%, respectively.
	In assessing the reliability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies by jurisdiction and entity in making this assessment.
	Based upon the level of historical taxable income and projections for future taxable income over the periods which the temporary differences resulting in the deferred tax assets are deductible, management believes it is more likely than not the Company will realize the benefit of these deductible differences at September 30, 2013.
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities as of September 30, 2013 and 2012 are presented below:
		September 30,
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	3,184,149		$	3,192,375
	Deferred compensation	1,463,689			987,061
	Stock compensation expense	818,224			810,415
	Real estate acquired through foreclosure	43,135			736,677
	State credits	31,188			261,718
	Investment securities market adjustment for tax reporting	72,495			133,964
	FDIC transactions	5,367,806			455,005
	Other than temporary impairment	1,195,029			1,432,675
	Net unrealized holding losses on securities available for sale	947,669			—
	Other	1,410,693			1,115,169
	Total gross deferred tax assets	14,534,077			9,125,059
	Deferred tax liabilities:
	Deferred loans cost, net	576,084			381,048
	Depreciation	2,448,577			2,226,714
	Net unrealized holding gains on securities available for sale	—			104,772
	Other	158,671			236,326
	Total gross deferred tax liabilities	3,183,332			2,948,860
	Net deferred tax assets	$	11,350,745		$	6,176,199
	The Company adopted the accounting standard relating to accounting for uncertainty in income taxes during 2009. The Company classifies interest and penalties related to income tax assessments, if any, in income tax expense in the consolidated statements of operations. An audit by the Internal Revenue Service of First Charter, MHC, Charter Federal and CharterBank’s federal income taxes for 2009 to 2011 was just completed. Tax year 2012 is subject to examination by the Internal Revenue Service. Tax years 2010 through 2012 are subject to examination by state taxing authorities in Georgia, Alabama and Florida. The Company had no material uncertain tax positions at September 30, 2013 and 2012.
	There was no unrecognized tax benefit as of September 30, 2013 or September 30, 2012. The amount of unrecognized tax benefit as of September 30, 2011 was $1,010,000. A reconciliation of the beginning and ending unrecognized tax benefit for the years ended September 30, 2013, 2012, and 2011 is as follows:
		Year Ended September 30,
		2013			2012			2011
	Balance at beginning of the year	$	—		$	1,010,000		$	1,010,000
	Additions based on tax positions related to the current year	—			—			—
	Increase (decrease) based on tax positions related to prior years	—			—			—
	Reductions as a result of statutes of limitations expiring	—			(1,010,000		)	—
	Balance at end of the year	$	—		$	—		$	1,010,000

Employee_Benefits

Employee Benefits	12 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
Employee Benefits	'
	Employee Benefits
	The Company has a 401(k) Profit Sharing Plan and Trust (the Plan) which covers substantially all of its employees. The Company has no match of employee contributions to the Plan.
	The Company has a short-term incentive plan which covers substantially all employees. For the years ended September 30, 2013, 2012, and 2011, the Company expensed $1,505,329, $1,860,695, and $503,545, respectively, related to the incentive plans which is recorded in salaries and employee benefits in the consolidated statements of income.
	The Company has a stock option plan which allows for stock option awards of the Company’s common stock to eligible directors and key employees of the Company. The option price is determined by a committee of the board of directors at the time of the grant and may not be less than 100% of the market value of the common stock on the date of the grant. When granted, the options vest over periods up to four or five years from grant date or upon death, disability, or qualified retirement. All options must be exercised within a 10-year period from grant date. The Company may grant either incentive stock options, which qualify for special federal income tax treatment, or nonqualified stock options, which do not receive such tax treatment. The Company’s stockholders have authorized 882,876 shares for the plan of which 68,154 have been issued or retired upon the exercise of the option granted under the plan, 660,059 are granted and outstanding and no shares are available to be granted. The Company granted no shares during the year ended September 30, 2013. Subsequent to year end, the Company has filed for a shareholder vote to approve the issuance of a maximum of 1,428,943 shares under the Company's new stock-based compensation plan.
	The fair value of the 13,000 and 4,000 options granted during the year ended September 30, 2012 was estimated on the date of grant using the Black-Scholes-Merton model with the following assumptions:
			13,000 Options (1)				4,000 Options (1)
	Risk-free interest rate		1.8		%		1.8		%
	Dividend yield		2		%		2.2		%
	Expected life at date of grant (months)		120 months				120 months
	Volatility		19.56		%		19.56		%
	Weighted average grant-date fair value		$	1.73			$	1.38
	__________________________________
	-1	Options granted have not been updated to reflect the completion of the second-step conversion on April 8, 2013.
	The fair value of the 55,000 options granted during the year ended September 30, 2011 was estimated on the date of grant using the Black-Scholes-Merton model with the following assumptions:
			55,000 Options (1)
	Risk-free interest rate		3.21		%
	Dividend yield		2.5		%
	Expected life at date of grant		90 months
	Volatility		17.78		%
	Weighted average grant-date fair value		$	1.27
	__________________________________
	-1	Options granted have not been updated to reflect the completion of the second-step conversion on April 8, 2013.
	The following table summarizes activity for shares under option and weighted average exercise price per share:
			Shares			Weighted average exercise price/share				Weighted
										average
										remaining life
										(years)
	Options outstanding – September 30, 2010		639,482			$	8.81			9
	Options exercised		—			—				—
	Options forfeited		(3,118	)		26.45				3
	Options granted in 2011		68,591			7.22				9
	Options outstanding – September 30, 2011		704,955			8.63				8
	Options exercisable at end of year – September 30, 2011		6,859			$	23.59			4
	Options outstanding – September 30, 2011		704,955			$	8.63			8
	Options exercised		—			—				—
	Options forfeited		(28,996	)		12.12				7
	Options granted in 2012		21,201			7.44				9
	Options outstanding – September 30, 2012		697,160			8.45				8
	Options exercisable at end of year – September 30, 2012		—			$	—			—
	Options outstanding – September 30, 2012		697,160			8.45				8
	Options exercised		—			—				—
	Options forfeited		(37,101	)		8.55				6
	Options granted in 2013		—			—				—
	Options outstanding – September 30, 2013		660,059			8.44				6
	Options exercisable at end of year – September 30, 2013		1,600			$	10.2			—
	The stock price at September 30, 2013 was higher than the exercise prices of all options outstanding and exercisable. Total options outstanding at September 30, 2013 had an intrinsic value of $1,549,551. The total intrinsic value of the 1,600 shares exercisable at September 30, 2013 was $5,230.
	No stock options vested during the years ended September 30, 2012 and 2011, with 1,600 shares vesting in the year ended September 30, 2013.
	For the years ended September 30, 2013, 2012 and 2011 stock option expense of $69,581, $93,877, and $105,091, respectively, was recorded. As of September 30, 2013, the Company had $133,670 of unrecognized stock option expense which will be recognized over the next two years.
	The following table summarizes information about the options outstanding at September 30, 2013:
		Number of options outstanding at September 30, 2013			Remaining contractual		Exercise price
					life in years		per share
		397,545			5		$	8.82
		174,594			7		8.18
		66,720			7		7.22
		16,212			8		7.34
		4,988			8		7.79
		660,059
	In June 2012 the Company adopted a supplemental retirement plan for three executives. The benefit restoration plan and Supplemental Retirement Plan that were previously in place have been frozen. The plan targets 50%, 30% and 10% of salary as a retirement benefit at normal retirement age as a combined payout from all three plans. The Benefit Restoration Plan and prior Supplemental Retirement Plan provided benefits for 15 years. The new Supplemental Retirement Plan provides benefits for life but at the same level of payment as for the first 15 years. It does not increase to restore the benefit to the targeted level when the benefits under the other plans cease. In the stock conversion and reorganization completed on April 8, 2013, the Company assumed the liability of a supplemental retirement plan, which was previously held at the mutual holding company above Charter Financial Corporation, for the former Chairman of the Board with a balance of $1,207,481 at September 30, 2013. The combined accrued liability for the four plans at September 30, 2013 and the three plans at September 30, 2012 was $2,685,992 and $1,326,929, respectively. The expense for the years ended September 30, 2013, 2012 and 2011 was $178,031, $123,288, and $150,820, respectively.
	The Company has a recognition and retention plan which has granted 14,965 shares of restricted stock to key employees and directors and as of September 30, 2013, remain in the trust and have not yet vested.
			Years Ended September 30,
			2013				2012				2011
	Shares granted		—				—				—
	Fair value per share at grant date		—				—				—
Aggregate value at grant date		—				—				—
Vesting for current year grants		—				—				—
Expensed for year		$	59,470			$	108,845			$	216,668
Subsequent to year end, the Company has filed for a shareholder vote to approve a maximum of 571,577 shares of common stock that may be issued as restricted stock awards or restricted stock units.
		Shares			Weighted average grant date fair
					value per award
Fiscal 2011 activity
Unvested Restricted stock awards – September 30, 2010		64,318			$	18.23
Granted		—			—
Vested		19,319			20.28
Cancelled or expired		1,247			40.09
Unvested Restricted stock awards – September 30, 2011		43,752			16.71
Fiscal 2012 activity
Granted		—			—
Vested		13,958			25.78
Cancelled or expired		—			—
Unvested Restricted stock awards – September 30, 2012		29,794			$	12.45
Fiscal 2013 activity
Granted		—			—
Vested		14,829			16.77
Cancelled or expired		—			—
Unvested Restricted stock awards – September 30, 2013		14,965			8.18
All grants prior to October 1, 2005 vest at the earlier of the scheduled vesting or death, disability, or qualified retirement which is generally age 65 or age 55 with 10 years of service. All grants prior to October 1, 2005 are expensed to the scheduled vesting date. Grants between October 1, 2005 and January 1, 2009 will be expensed to the earlier of scheduled vesting or substantive vesting which is when the recipient becomes qualified for retirement which is generally age 65 or age 55 with 10 years of service. Grants subsequent to January 1, 2009 will be expensed to the earlier of scheduled vesting or substantive vesting which is when the recipient becomes qualified for retirement at age 65.
The Company has implemented the Employee Stock Ownership Plan (ESOP) which covers substantially all of its employees. During the initial stock offering of the Company, the ESOP trust borrowed $3,171,580 from the Company to purchase 317,158 shares for allocation under the ESOP. In the incremental stock offering in fiscal 2010 the ESOP purchased an additional 300,000 shares using an additional loan from the Company in the amount of $2,334,000. The ESOP loan amount at April 8, 2013, before the stock conversion was $2,857,780. The conversion proceeds included an allocation to the ESOP Plan that brought the loan amount to $6,480,949 after the stock conversion. The loan to the ESOP is reflected as unearned compensation in stockholders’ equity. As the Company receives principal payments on the loan, shares are released for allocation to participants in the ESOP and unearned compensation is reduced. Shares are freed for allocation to participants in the ESOP based on the principal and interest allocation method. Vesting in the shares of the ESOP occurs after three years of service. Participants in the ESOP may receive a distribution equal to the value of their account upon retirement, death, disability, termination of employment, or termination of the ESOP. The Company records compensation expense associated with the ESOP based on the average market price of the total shares committed to be released during the year as well as the dividends declared on the unallocated shares. The Company expensed $495,905, $311,866, and $144,151, related to the ESOP during the years ended September 30, 2013, 2012, and 2011, respectively, which is included in salaries and employee benefits in the consolidated statements of income. The Company allocated 21,006 shares and 21,146 shares, to participants in the plan during the years ended September 30, 2012 and 2011, respectively, and estimate releasing approximately 50,000 shares for the year ending September 30, 2013. At September 30, 2013, there were 779,190 unallocated shares with a market value of $8,415,252 in the ESOP.

Commitments_and_Contingent_Lia

Commitments and Contingent Liabilities	12 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingent Liabilities	'
	Commitments and Contingent Liabilities
	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the financial statements. The contract or notional amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.
	The Company’s exposure to credit loss, in the event of nonperformance by the customer for commitments to extend credit is represented by the contractual or notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for recorded loans.
	A summary of the Company’s financial instruments with off-balance-sheet risk at September 30, 2013 and 2012 is as follows:
			September 30,
			2013		2012
	Financial instruments whose contract amounts represent credit risk – commitments to originate loans:
	Mortgage loans		$	2,051,634	$	1,001,524
	Non-mortgage loans		20,908,925		6,969,900
	Open-end consumer loans		9,354,703		10,489,768
	Open-end commercial loans		2,188,738		2,145,762
	Construction loans		49,347,934		35,878,900
	Total commitments to originate loans		$	83,851,934	$	56,485,854
	The Company sells loans on a best efforts basis and had loans as reported in the statement of condition as loans held for sale in the process of being sold.
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the borrower. Collateral held varies, but consists primarily of real estate.
	The following summarizes the Company’s commitments to fund fixed rate loans at September 30, 2013 and 2012:
			Amount		Range of Rate
	30-Sep-13		$	1,297,134	2.75	-	5.00%
	30-Sep-12		$	697,524	2.99	-	3.99%
	Commitments to sell fixed rate loans are contracted on a best efforts basis and the value of the funded commitments approximates the commitment to sell the loans.
	In the origination of mortgage loans, the Company enters into adjustable interest rate contracts with caps and floors written with the intent of managing its interest rate exposure. Interest rate caps and floors enable customers and the Company to transfer, modify, or reduce their interest rate risk. At September 30, 2013 and 2012, adjustable rate mortgage loans with interest rate caps and floors amounted to $65,188,406 and $58,223,438, respectively.
	The carrying amount of commitments to extend credit approximates fair value. The carrying amount of the off-balance sheet financial instruments is based on fees charged to enter into such agreements.
	Future minimum lease commitments under all noncancellable operating leases with terms of one year or more are as follows:
		September 30,
		2013
	2014	$	685,043
	2015	713,430
	2016	673,200
	2017	73,200
	2018	73,200
	Thereafter	1,034,100
		$	3,252,173
	Rent expense for the years ended September 30, 2013, 2012, and 2011 was $706,616, $1,039,369 and $892,227, respectively, which were included in occupancy expense in the consolidated statements of income.
	The Company and subsidiary have been named as defendants in various legal actions arising from their normal business activities in which damages in various amounts are claimed. Although the amount of any ultimate liability with respect to such matters cannot be determined, in the opinion of management, any such liability will not have a material effect on the Company’s consolidated financial statements.

Fair_Value_of_Financial_Instru

Fair Value of Financial Instruments and Fair Value Measurement	12 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value of Financial Instruments and Fair Value Measurement	'
	Note 15: Fair Value of Financial Instruments and Fair Value Measurement
	Accounting standards define fair value as the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Accounting standards also establish a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The applicable standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company evaluates fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. For example, changes in market activity or the addition of new unobservable inputs could, in the Company’s judgment, cause a transfer to either a higher or lower level. For the years ended September 30, 2013 and 2012, there were no transfers between levels.
	At September 30, 2013, the Company holds, as part of its investment portfolio, available for sale securities reported at fair value consisting of municipal securities, U.S government sponsored entities, mortgage-backed securities, collateralized mortgage-backed securities and collateralized mortgage obligations. The fair value of the majority of these securities is determined using widely accepted valuation techniques including matrix pricing and broker-quote based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayment speeds and other relevant items. These are inputs used by a third-party pricing service used by the Company. All of the Company’s available for sale securities fall into Level 2 of the fair value hierarchy. To validate the appropriateness of the valuations provided by the third party, the Company regularly updates its understanding of the inputs used and compares valuations to an additional third party source.
	Previously, the Company has used interest-rate swaps to provide long-term fixed rate funding to its customers. The majority of these derivatives were exchange-traded or traded within highly active dealer markets. In order to determine the fair value of these instruments, the Company utilized the exchange price or dealer market price for the particular derivative contract. Therefore, these derivative contracts were classified as Level 2. The Company utilized an independent third party valuation company to validate the dealer prices. In cases where significant credit valuation adjustments were incorporated into the estimation of fair value, reported amounts were considered as Level 3 inputs. The Company also utilized this approach to estimate its own credit risk on derivative liability positions. To date, the Company has not realized any losses due to a counterparty’s inability to pay any net uncollateralized position. As of September 30, 2013, the Company exited its interest rate swap contracts (see Note 6 - Derivative Instruments and Hedging Activities for additional detail).
	The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:
	CASH AND CASH EQUIVALENTS – The carrying amount approximates fair value because of the short maturity of these instruments.
	INVESTMENTS AVAILABLE FOR SALE AND FHLB STOCK – The fair value of investments and mortgage-backed securities and collateralized mortgage obligations available for sale is estimated based on bid quotations received from securities dealers. The FHLB stock is considered a restricted stock and is carried at cost which approximates its fair value.
	LOANS RECEIVABLE – Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type. The fair value of performing loans is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified, as required, by an estimate of the effect of the current economic and lending conditions.
	Fair value for significant nonperforming loans is based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information. The estimated fair value at September 30, 2013 and 2012 has been affected by an estimated liquidation discount of 5.5%.
	LOANS HELD FOR SALE – Loans held for sale are carried at the lower of cost or market value. The fair values of loans held for sale are based on commitments on hand from investors within the secondary market for loans with similar characteristics.
	CASH SURRENDER VALUE OF LIFE INSURANCE – The Company’s cash surrender value of bank owned life insurance approximates its fair value.
	FDIC RECEIVABLE FOR LOSS SHARING AGREEMENTS – Fair value is estimated based on discounted future cash flows using current discount rates, for instruments with similar risk and cash flow volatility.
	ASSETS HELD FOR SALE – The fair value of assets held for sale by the Company is generally based on the most recent appraisals of the asset or other market information as it becomes available to management.
	DEPOSITS – The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings, NOW accounts, and money market and checking accounts, is equal to the amount payable on demand. The fair value of time deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.
	BORROWINGS – The fair value of the Company’s Federal Home Loan Bank advances is estimated based on the discounted value of contractual cash flows. The fair value of securities sold under agreements to repurchase approximates the carrying amount because of the short maturity of these borrowings. The discount rate is estimated using rates quoted for the same or similar issues or the current rates offered to the Company for debt of the same remaining maturities.
	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES – The Company has used interest-rate swaps to provide long-term fixed rate funding to its customers. The majority of these derivatives were exchange-traded or traded within highly active dealer markets. In order to determine the fair value of these instruments, the Company utilized the exchange price or dealer market price for the particular derivative contract. Therefore, these derivative contracts were classified as Level 2. The Company utilized an independent third party valuation company to validate the dealer prices. In cases where significant credit valuation adjustments were incorporated into the estimation of fair value, reported amounts were classified as Level 3.
	ACCRUED INTEREST AND DIVIDENDS RECEIVABLE AND PAYABLE – The carrying amount of accrued interest and dividends receivable on loans and investments and payable on borrowings and deposits approximate their fair values.
	COMMITMENTS TO EXTEND CREDIT AND STANDBY LETTERS OF CREDIT – The value of these unrecognized financial instruments is estimated based on the fee income associated with the commitments which, in the absence of credit exposure, is considered to approximate their settlement value. Since no significant credit exposure existed, and because such fee income is not material to the Company’s financial statements at September 30, 2013 and 2012, the fair value of these commitments is not presented.
	Many of the Company’s assets and liabilities are short-term financial instruments whose carrying amounts reported in the Statement of Condition approximate fair value. These items include cash and due from banks, interest-bearing bank balances, federal funds sold, other short-term borrowings and accrued interest receivable and payable balances. The estimated fair value of the Company’s remaining on-balance sheet financial instruments as of September 30, 2013 and 2012 are summarized below.
			September 30, 2013
									Estimated Fair Value
			Carrying			Total			Quoted Prices			Significant		Significant
			Value			Estimated			In Active			Other		Unobservable
						Fair Value			Markets for Identical Assets (Level 1)			Observable		Inputs
												Inputs		(Level 3)
												(Level 2)
	Financial assets:
	Cash and cash equivalents		$	161,452,481		$	161,452,481		$	161,452,481		$	—	$	—
	Investments available for sale		215,118,407			215,118,407			—			215,118,407		—
	FHLB Stock		3,940,300			3,940,300			—			3,940,300		—
	Loans receivable, net		579,854,293			549,751,987			—			—		549,751,987
	Loans held for sale		1,857,393			1,883,244			—			1,883,244		—
	Cash surrender value of life insurance		39,825,881			39,825,881			—			39,825,881		—
	FDIC receivable for loss sharing arrangements		29,941,862			29,369,037			—			—		29,369,037
	Assets held for sale		1,744,584			1,744,584			—			—		1,744,584
	Accrued interest and dividends receivable		2,728,902			2,728,902			—			642,244		2,086,658
	Financial liabilities:
	Deposits		$	751,296,668		$	724,702,400		$	—		$	724,702,400	$	—
	FHLB advances and other borrowings		60,000,000			66,297,123			—			66,297,123		—
	Accrued interest payable		200,173			200,173			—			200,173		—
			September 30, 2012
									Estimated Fair Value
			Carrying			Total			Quoted Prices			Significant		Significant
			Value			Estimated			In Active			Other		Unobservable
						Fair Value			Markets for Identical Assets (Level 1)			Observable		Inputs
												Inputs		(Level 3)
												(Level 2)
	Financial assets:
	Cash and cash equivalents		$	108,828,220		$	108,828,220		$	108,828,220		$	—	$	—
	Investments available for sale		189,379,333			189,379,333			—			189,379,333		—
	FHLB Stock		5,318,200			5,318,200			—			5,318,200		—
	Loans receivable, net		593,903,715			561,448,457			—			—		561,448,457
	Loans held for sale		2,691,508			2,741,672			—			2,741,672		—
	Cash surrender value of life insurance		33,831,920			33,831,920			—			33,831,920		—
	FDIC receivable for loss sharing arrangements		35,135,533			35,492,184			—			—		35,492,184
	Assets held for sale		1,054,280			1,054,280			—			—		1,054,280
	Accrued interest and dividends receivable		3,241,320			3,241,320			—			721,048		2,520,272
	Financial liabilities:
	Deposits		$	800,261,546		$	805,422,429		$	—		$	805,422,429	$	—
	FHLB advances and other borrowings		81,000,000			90,732,925			—			90,732,925		—
	Derivative instruments		12,443			12,443			—			12,443		—
	Accrued interest payable		320,980			320,980			—			320,980		—
	Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred tax liabilities and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.
The Company also holds assets available for sale reported at fair value consisting of a former branch, and a parcel of loan adjacent to a current branch and are included in other assets. The fair value of these assets is determined using current appraisals adjusted at management's discretion to reflect any decline in the fair value of the properties since the time the appraisal was performed. Appraisal values are reviewed and monitored internally and fair value is reassessed at least quarterly or more frequently when circumstances occur that indicate a change in fair value. All of the Company's assets held for sale fall into level 3 of the fair value hierarchy.
Assets and Liabilities Measured on a Recurring Basis:
Assets and liabilities measured at fair value on a recurring basis are summarized below.
		30-Sep-13
		Estimated			Quoted prices			Quoted prices for similar assets			Significant unobservable inputs (Level 3 inputs)
		fair value			in active			(Level 2 inputs)
					markets for
					identical assets
					(Level 1 inputs)
Assets:
Investment securities available for sale:
Tax free municipals		$	14,913,592		$	—		$	14,913,592		$	—
U.S. government sponsored entities		5,030,043			—			5,030,043			—
Mortgage-backed securities:
FNMA certificates		116,301,309			—			116,301,309			—
GNMA certificates		1,845,617			—			1,845,617			—
FHLMC certificates		53,165,417			—			53,165,417			—
Collateralized mortgage-backed securities:
FNMA		7,256,485			—			7,256,485			—
Collateralized mortgage obligations:
FNMA		2,274,370			—			2,274,370			—
GNMA		—			—			—			—
FHLMC		407,854			—			407,854			—
Private-label mortgage securities:
Investment grade		1,949,995			—			1,949,995
Split rating (1)		1,238,508			—			1,238,508			—
Non-investment grade		10,735,217			—			10,735,217			—
Total investment securities available for sale		215,118,407			—			215,118,407			—
Assets held for sale		1,744,584			—			—			1,744,584
Total recurring assets at fair value		$	216,862,991		$	—		$	215,118,407		$	1,744,584
__________________________________
-1	Bonds with split ratings represent securities with both investment and non-investment grades.
		30-Sep-12
		Estimated			Quoted prices			Quoted prices for similar assets (Level 2 inputs)			Significant unobservable inputs (Level 3 inputs)
		fair value			in active markets for identical assets (Level 1 inputs)
Assets:
Investment securities available for sale:
Tax free municipals		$	11,578,501		$	—		$	11,578,501		$	—
U.S. government sponsored entities		16,627,055			—			16,627,055			—
Mortgage-backed securities:
FNMA certificates		86,584,802			—			86,584,802			—
GNMA certificates		4,945,412			—			4,945,412			—
FHLMC certificates		46,244,446			—			46,244,446			—
Collateralized mortgage obligations:
FNMA		8,027,156			—			8,027,156			—
GNMA		503,311			—			503,311			—
FHLMC		580,089			—			580,089			—
Private-label mortgage securities:
Investment grade		2,356,744			—			2,356,744
Split rating (1)		6,246,303			—			6,246,303			—
Non-investment grade		5,685,514			—			5,685,514			—
Total investment securities available for sale		189,379,333			—			189,379,333			—
Assets held for sale		1,054,280			—			—			1,054,280
Total recurring assets at fair value		$	190,433,613		$	—		$	189,379,333		$	1,054,280
Liabilities:
Derivative instruments-swap liability		$	12,443		$	—		$	12,443		$	—
Total recurring liabilities at fair value		$	12,443		$	—		$	12,443		$	—
__________________________________
-1	Bonds with split ratings represent securities with both investment and non-investment grades.
When a determination is made to classify a financial instrument within Level 3 of the valuation hierarchy, the determination is based upon the significance of the unobservable factors to the overall fair value measurement. However, since Level 3 financial instruments typically include, in addition to the unobservable or Level 3 components, observable components (that is, components that are actively quoted and can be validated to external sources), the losses below include changes in fair value due in part to observable factors that are part of the valuation methodology.
A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis is as follows:
	Year Ended			Year Ended
	30-Sep-13			30-Sep-12
Fair value, beginning balance	$	1,054,280		$	1,064,338
Purchases	—			—
Sales	—			(373,107		)
Settlements	—			—
Change in unrealized loss recognized in other comprehensive income	—			—
Valuation loss recognized in noninterest expense	(467,841		)	(442,000		)
Total realized losses included in income	—			(81,231		)
Transfers in and/or out of level 3	1,158,145			886,280
Fair value, ending balance	$	1,744,584		$	1,054,280
Assets and Liabilities Measured on a Nonrecurring Basis:
Assets and liabilities measured at fair value on a nonrecurring basis are summarized below.
		Fair value measurements using:
		Fair value			Quoted prices			Quoted prices			Significant
					in active  markets for			for similar  assets			unobservable
					identical assets			(Level 2 inputs)			inputs
					(Level 1 inputs)						(Level 3 inputs)
30-Sep-13
Impaired loans:
Not covered under loss share		$	3,338,298		$	—		$	—		$	3,338,298
Other real estate owned:
Not covered under loss share		1,615,036			—			—			1,615,036
Covered under loss share		14,068,846			—			—			14,068,846
30-Sep-12
Impaired loans:
Not covered under loss share		$	2,925,972		$	—		$	—		$	2,925,972
Other real estate owned:
Not covered under loss share		2,106,757			—			—			2,106,757
Covered under loss share		21,903,204			—			—			21,903,204
Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are subject to nonrecurring fair value adjustments to reflect write-downs that are based on the market price or current appraised value of the collateral, adjusted to reflect local market conditions or other economic factors. After evaluating the underlying collateral, the fair value of the impaired loans is determined by allocating specific reserves from the allowance for loan and lease losses to the loans. Thus, the fair value reflects the loan balance as adjusted by partial chargedowns less the specifically allocated reserve. Certain collateral-dependent impaired loans are reported at the fair value of the underlying collateral. Impairment is measured based on the fair value of the collateral, which is typically derived from appraisals that take into consideration prices in observed transactions involving similar assets and similar locations. Each appraisal is updated on an annual basis, either through a new appraisal or through the Company’s comprehensive internal review process. Appraised values are reviewed and monitored internally and fair value is re-assessed at least quarterly or more frequently when circumstances occur that indicate a change in fair value. The fair value of impaired loans that are not collateral dependent is measured using a discounted cash flow analysis considered to be a Level 3 input.
Other real estate owned is initially accounted for at fair value, less estimated costs to dispose of the property. Any excess of the recorded investment over fair value, less costs to dispose, is charged to the allowance for loan and lease losses at the time of foreclosure. A provision is charged to earnings for subsequent losses on other real estate owned when market conditions indicate such losses have occurred. The ability of the Company to recover the carrying value of other real estate owned is based upon future sales of the real estate. The ability to effect such sales is subject to market conditions and other factors beyond our control, and future declines in the value of the real estate would result in a charge to earnings.
The recognition of sales and sales gains is dependent upon whether the nature and terms of the sales, including possible future involvement of the Company, if any, meet certain defined requirements. If those requirements are not met, sale and gain recognition is deferred. OREO represents real property taken by the Company either through foreclosure or through a deed in lieu thereof from the borrower. The fair value of OREO is based on property appraisals adjusted at management’s discretion to reflect a further decline in the fair value of properties since the time the appraisal analysis was performed. It has been the Company’s experience that appraisals may become outdated due to the volatile real-estate environment. Appraised values are reviewed and monitored internally and fair value is re-assessed at least quarterly or more frequently when circumstances occur that indicate a change in fair value. Therefore, the inputs used to determine the fair value of OREO and repossessed assets fall within Level 3. The Company may include within OREO other repossessed assets received as partial satisfaction of a loan. These assets are not material and do not typically have readily determinable market values and are considered Level 3 inputs.
The following table provides information describing the valuation processes used to determine recurring and nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy.
	Quantitative Information about Level 3 Fair Value Measurements
	Fair			Valuation		Unobservable Input	General Range					Average
	value			Technique			(Discount)					Discount
Impaired loans	$	3,338,298		Property appraisals		Management discount for property type and recent market volatility	20%		—	29%		24%
REO	$	15,683,882		Property appraisals		Management discount for property type and recent market volatility	26%		—	56%		47%
Accounting standards require disclosures of fair value information about financial instruments, whether or not recognized in the Statement of Condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. Also, the fair value estimates presented herein are based on pertinent information available to Management as of September 30, 2013 and 2012.

Regulatory_Matters

Regulatory Matters	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Regulatory Matters	'
	Regulatory Matters
	The Bank is required to maintain noninterest-bearing cash reserve balances. The aggregate average cash reserve balances maintained at September 30, 2013 and 2012 to satisfy the regulatory requirement were $10,548,000 and $10,463,000, respectively.
	Under OCC regulations, the Bank is required to measure its interest rate risk and maintain the interest rate risk within limits the Bank establishes. Based on its asset/liability structure at September 30, 2013, the Bank’s earnings may be negatively impacted if interest rates increase significantly.
	The Bank is required to meet certain core, tangible, and risk-based regulatory capital ratios. The regulations require institutions to have a minimum regulatory tangible capital ratio equal to 1.5% of total assets, a minimum 3% core capital ratio, and 8% risk-based capital ratio.
	The prompt corrective action regulations define specific capital categories based on an institution’s capital ratios. The capital categories, in declining order, are “well capitalized,” “adequately capitalized,” “undercapitalized,” “significantly undercapitalized,” and “critically undercapitalized.” Institutions categorized as “undercapitalized” or worse are subject to certain restrictions, including the requirement to file a capital plan with its primary federal regulator, prohibitions on the payment of dividends and management fees, restrictions on executive compensation, and increased supervisory monitoring, among other things. Other restrictions may be imposed on the institution either by its primary federal regulator or by the FDIC, including requirements to raise additional capital, sell assets, or sell the entire institution. Once an institution becomes “critically undercapitalized,” it must generally be placed in receivership or conservatorship within 90 days.
	To be considered “adequately capitalized,” an institution must generally have a leverage ratio of at least 4%, a Tier 1 risk-based capital ratio of at least 4%, and a total risk-based capital ratio of at least 8%. An institution is deemed to be “critically undercapitalized” if it has a tangible equity ratio of 2% or less.
	As of September 30, 2013, the most recent notification from the OCC categorized CharterBank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, CharterBank must maintain minimum total risk-based, Tier 1 risk-based and core/leverage ratios as set forth in the following table. Management is not aware of the existence of any conditions or events occurring subsequent to September 30, 2013 which would affect CharterBank’s well-capitalized classification.
	The table of regulatory compliance with minimum capital requirements for CharterBank is presented below at September 30, 2013 and 2012:
		Actual				For Capital				To be Well Capitalized Under
						Adequacy Purposes				Prompt Corrective Action Provisions
		Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
	30-Sep-13
	Total Risk Based Capital (to Risk-Weighted Assets)	$	209,930	33.8	%	$	49,648	8	%	$	62,060	10	%
	Tier 1 Capital (to Risk Weighted Assets)	202,119		32.6		24,824		4		37,236		6
	Tier 1 Capital (to Average Assets)	202,119		18.6		43,572		4		54,465		5
	30-Sep-12
	Total Risk Based Capital (to Risk-Weighted Assets)	$	133,626	19.2	%	$	55,610	8	%	$	69,512	10	%
	Tier 1 Capital (to Risk Weighted Assets)	124,931		18		27,805		4		41,707		6
	Tier 1 Capital (to Average Assets)	124,931		12.2		41,097		4		51,371		5
	The OCC imposes various restrictions or requirements on CharterBank’s ability to make capital distributions, including cash dividends. A savings bank that is the subsidiary of a savings and loan holding company must file a notice with the OCC at least 30 days before making a capital distribution. CharterBank must file an application for prior approval if the total amount of its capital distributions, including the proposed distribution, for the applicable calendar year would exceed an amount equal to CharterBank’s net income for that year plus CharterBank’s retained net income for the previous two years. The OCC may disapprove a notice or application if: (a) CharterBank would be undercapitalized following the distribution; (b) the proposed capital distribution raises safety and soundness concerns; or (c) the capital distribution would violate a prohibition contained in any statute, regulation, or agreement.
	Prior to the Company's completion of its conversion and reorganization on April 8, 2013, the Company’s ability to pay dividends and the amount of such dividends was affected by the election of First Charter, MHC, the Company’s mutual holding company, to waive the receipt of dividends declared by Charter Federal. First Charter, MHC had historically waived its right to receive most dividends on its shares of Charter Federal common stock, which meant that Charter Federal had more cash resources to pay dividends to its public stockholders than if First Charter, MHC had accepted such dividends. First Charter, MHC received a waiver in early 2011 from the Office of Thrift Supervision that provided permission to First Charter, MHC to waive dividends in calendar 2011 including the dividend that was paid on December 29, 2011. First Charter, MHC also received a waiver in 2012 from the Federal Reserve that provided permission to First Charter, MHC to waive dividends that were paid on May 25, 2012. First Charter, MHC waived dividends of $422,896, and $1.7 million, during the years ended September 30, 2012 and 2011, respectively.
	The OCC has guidelines that limit the Bank’s investment in BOLI to 25% of the Bank’s regulatory capital. The Bank subsidiary was within this guideline with 19.0% of its regulatory capital invested in BOLI at September 30, 2013.

Related_Parties_Notes

Related Parties (Notes)	12 Months Ended
	Sep. 30, 2013
Related Party Transactions [Abstract]	'
Related Parties	'
	Related Parties
	During the year ended September 30, 2011 the Company paid approximately $1,290,204 for branch renovations to a construction company in which a board member is one of the owners. No such fees were paid by the Company in 2012 or 2013. Also during the years ended September 30, 2013, 2012, and 2011 the Company paid approximately $37,820, $148,449 and $92,398, respectively, in insurance premiums to a broker in which a board member is one of the principals of the company.
	See Note 5 - Loans Receivable and Note 10 - Deposits for disclosures of loan and deposit relationships of related parties. Management believes transactions entered into with related parties are in the ordinary course of business and on terms similar to transactions with unaffiliated parties.

Condensed_Financial_Statements

Condensed Financial Statements of Charter Financial Corporation	12 Months Ended
	Sep. 30, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Financial Statements of Charter Financial Corporation (Parent Only)	'
	Condensed Financial Statements of Charter Financial Corporation (Parent Only)
	The following represents Parent Company only condensed financial information of Charter Financial Corporation:
		September 30,
		2013			2012
	Assets
	Cash	$	65,763,818		$	7,766,056
	Investment in subsidiary	204,604,151			130,739,990
	Deferred tax asset	5,495,885			4,576,510
	Other assets	22,319			33,464
	Total assets	$	275,886,173		$	143,116,020
	Liabilities and Stockholders’ Equity
	Liabilities
	Accrued expenses	$	2,108,337		$	595,252
	Total liabilities	2,108,337			595,252
	Stockholders’ equity:
	Common stock, $0.01 par value; issued 22,752,214 and 21,935,179 shares at September 2013 and 2012, respectively; outstanding 22,752,214 and 19,903,081 shares in 2013 and 2012, respectively	227,522			198,592
	Preferred Stock, $0.01 par value; 50,000,000 shares authorized at September 30, 2013 and 10,000,000 shares authorized at September 30, 2012	—			—
	Additional paid-in capital	171,729,570			73,483,605
	Treasury stock, at cost; 0 and 2,032,098 shares in 2013 and 2012, respectively	—			(39,362,686		)
	Unearned compensation – ESOP	(6,480,949		)	(3,571,121		)
	Retained earnings	110,141,286			111,568,998
	Accumulated other comprehensive (loss) income	(1,839,593		)	203,380
	Total stockholders’ equity	273,777,836			142,520,768
	Total liabilities and stockholders’ equity	$	275,886,173		$	143,116,020
		Years Ended September 30,
		2013			2012			2011
	Income:
	Interest income	$	91,260		$	13,976		$	64,371
	Loss on other investment	—			—			—
	Other income	—			—			49,837
	Total operating income	91,260			13,976			114,208
	Expenses:
	Salaries and employee benefits	443,064			312,915			278,649
	Occupancy	33,048			38,648			27,538
	Legal and professional	279,268			375,298			295,216
	Marketing	112,146			98,597			129,538
	Other	210,318			173,305			164,557
	Total operating expenses	1,077,844			998,763			895,498
	Loss before income taxes	(986,584		)	(984,787		)	(781,290		)
	Income tax benefit	(335,867		)	(333,631		)	(267,338		)
	Loss before equity in undistributed net income of subsidiary	(650,717		)	(651,156		)	(513,952		)
	Equity in undistributed net income of subsidiary	6,907,134			5,629,848			2,819,304
	Net income	$	6,256,417		$	4,978,692		$	2,305,352
		Years Ended September 30,
		2013			2012			2011
	Cash flows from operating activities:
	Net income	$	6,256,417		$	4,978,692		$	2,305,352
	Adjustments to reconcile net income to net cash provided (used in) by operating activities
	Deferred tax benefit	(919,375		)	(1,198,631		)	(1,973,499		)
	Restricted stock award expense	59,470			108,845			216,668
	Stock based compensation expense	69,581			93,876			105,091
	Equity in undistributed net income of subsidiary	(6,907,134		)	(5,629,848		)	(2,819,304		)
	Decrease (increase) in other assets	11,144			107,958			(1,206,939		)
	Increase in accrued expenses	1,673,657			294,062			1,156,864
	Net cash provided (used in) by operating activities	243,760			(1,245,046		)	(2,215,767		)
	Cash flows from investing activities:
	Capital (infusion) distribution with Bank subsidiary	(69,000,000		)	6,000,000			—
	Net cash (used in) provided by investing activities	(69,000,000		)	6,000,000			—
	Cash flows from financing activities:
	Purchase of treasury stock awards	(1,163,515		)	(3,588,013		)	—
	Dividends on restricted stock awards	25			(80		)	(610		)
	First Charter elimination	229,564			—			—
	Stock issuance	135,378,486			—			—
Dividends paid	(7,690,558		)	(1,368,870		)	(1,939,167		)
Net cash provided by (used in) financing activities	126,754,002			(4,956,963		)	(1,939,777		)
Net increase (decrease) in cash	57,997,762			(202,009		)	(4,155,544		)
Cash and cash equivalents, beginning of period	7,766,056			7,968,065			12,123,609
Cash and cash equivalents, end of period	$	65,763,818		$	7,766,056		$	7,968,065
Supplemental disclosures of cash flow information:
Income taxes paid	$	105,110		$	5,000		$	1,678,641
Issuance of ESOP common stock	160,596			158,269			151,600
Effect of restricted stock awards	53,042			659,633			391,794
Unrealized (loss) gain on securities available for sale, net	(2,042,973		)	2,174,838			1,526,425

Common_Stock_Offerings

Common Stock Offerings	12 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Common Stock Offerings	'
	Common Stock Offerings
	Plan of conversion and reorganization. On April 8, 2013, Charter Financial Corporation, a Maryland corporation, completed its conversion and reorganization pursuant to which First Charter, MHC was converted to the stock holding company form of organization. Charter Financial sold 14,289,429 shares of common stock at $10.00 per share, for gross offering proceeds of $142.9 million in its stock offering. The Bank, as of April 8, 2013, was 100% owned by Charter Financial and Charter Financial was 100% owned by public stockholders. Concurrent with the completion of the offering, shares of common stock of Charter Federal were converted into the right to receive 1.2471 shares of Charter Financial’s common stock for each share of Charter Federal common stock that was owned immediately prior to completion of the transaction. Cash in lieu of fractional shares was paid based on the offering price of $10.00 per share. As a result of the offering and the exchange on April 8, 2013, Charter Financial had 22,752,214 shares outstanding. Also, as of April 8, 2013, Charter Federal and First Charter, MHC ceased to exist. As part of the elimination, the net asset position of First Charter, MHC, in the amount of $229,564, was assumed by Charter Financial. Costs related to the offering were approximately $5.6 million and net proceeds of the offering were approximately $137.3 million.
	On April 20, 2010, Charter Federal, the Bank and First Charter, MHC adopted a stock issuance plan, pursuant to which First Charter, MHC offered shares of Charter Federal common stock to eligible depositors of CharterBank, Neighborhood Community Bank and McIntosh Commercial Bank, Charter Federal’s tax-qualified employee stock benefit plans, eligible borrowers of CharterBank, and to the extent shares remained available, residents of Alabama and Georgia, Charter Federal’s shareholders other than First Charter, MHC and the general public. Following the incremental stock offering, First Charter, MHC’s total ownership interest in Charter Federal common stock decreased to approximately 61%, and the remaining was owned by the public. Gross common stock proceeds from the offering were $30.6 million, including $2.3 million acquired by Charter Federal’s ESOP (see Note 13 - Employee Benefits). Offering expenses, including selling agent fees and expenses, were $4.0 million.
	Under the terms of the stock issuance plan, at the conclusion of the incremental stock offering, First Charter, MHC contributed to Charter Federal 4,400,000 shares of common stock which was equal to the number of shares of common stock that Charter Federal sold in the incremental stock offering, and then such contributed shares were canceled. Accordingly, the total number of outstanding shares of common stock of Charter Federal did not change as a result of the incremental stock offering.

Summary_of_Significant_Account1

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Basis of Presentation	'
	(a)	Basis of Presentation
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenue and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, the estimates used for fair value acquisition accounting and the FDIC receivable for loss sharing agreements, and the assessment for other-than-temporary impairment of investment securities, mortgage-backed securities, and collateralized mortgage obligations. In connection with the determination of the allowance for loan losses and the value of real estate owned, management obtains independent appraisals for significant properties. In connection with the assessment for other-than-temporary impairment of investment securities, mortgage-backed securities, and collateralized mortgage obligations, management obtains fair value estimates by independent quotations, assesses current credit ratings and related trends, reviews relevant delinquency and default information, assesses expected cash flows and coverage ratios, assesses the relative strength of credit support from less senior tranches of the securities, reviews average credit score data of underlying mortgages, and assesses other current data. The severity and duration of an impairment and the likelihood of potential recovery of an impairment is considered along with the intent and ability to hold any impaired security to maturity or recovery of carrying value.
	A substantial portion of the Company’s loans is secured by real estate located in its market area. Accordingly, the ultimate collectability of a substantial portion of the Company’s loan portfolio is susceptible to changes in the real estate market conditions of this market area.
	Certain reclassifications of 2011 and 2012 balances have been made to conform to classifications used in 2013. These reclassifications did not change net income.
Cash and Cash Equivalents	'
	(b)	Cash and Cash Equivalents
	Cash and cash equivalents, as presented in the consolidated financial statements, include amounts due from other depository institutions and interest-bearing deposits in other financial institutions. Generally, interest-bearing deposits in other financial institutions are for one-day periods.
Investments, Mortgage-Backed Securities, and Collateralized Mortgage Obligations	'
	(c)	Investments, Mortgage-Backed Securities, Collateralized Mortgage-Backed Securities, Collateralized Mortgage Obligations, and Federal Home Loan Bank Stock
	Investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations available for sale are reported at fair value, as determined by pricing services. The pricing service valuations are reviewed by management for reasonableness. Investment in stock of the Federal Home Loan Bank (FHLB) is required of every federally insured financial institution, which utilizes its services. The investment in FHLB stock is carried at cost and such stock is evaluated for any potential impairment.
	Purchase premiums and discounts on investment securities are amortized and accreted to interest income using a level yield method over the period to maturity of the related securities. Purchase premiums and discounts on mortgage-backed securities and collateralized mortgage obligations are amortized and accreted to interest income using the interest method over the remaining lives of the securities, taking into consideration assumed prepayment patterns.
	Gains and losses on sales of investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations are recognized on the trade date, based on the net proceeds received and the adjusted carrying amount of the specific security sold.
	A decline in the market value of any available for sale security below cost that is deemed other-than-temporary results in a charge to earnings and the establishment of a new cost basis for that security.
Loans and Interest Income	'
	(d)	Loans and Interest Income
	Loans are reported at the principal amounts outstanding, net of unearned income, deferred loan fees/origination costs, and the allowance for loan losses.
	Interest income is recognized using the simple interest method on the balance of the principal amount outstanding. Unearned income, primarily arising from deferred loan fees, net of certain origination costs, and deferred gains on the sale of the guaranteed portion of Small Business Administration (SBA) loans, is amortized over the expected lives of the underlying loans using the interest method.
	Generally, the accrual of interest income is discontinued on loans when reasonable doubt exists as to the full, timely collection of interest or principal. Interest previously accrued but not collected is reversed against current period interest income when such loans are placed on nonaccrual status. Interest on nonaccrual loans, which is ultimately collected, is credited to income in the period received.
	Impaired loans are measured 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 the collateral if the loan is collateral dependent. The Company considers a loan impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the note agreement. Large pools of smaller balance homogeneous loans, such as consumer and installment loans, are collectively evaluated for impairment by the Company. Impairment losses are included in the allowance for loan losses through a charge to the provision for loan losses. Cash receipts on impaired loans for which the accrual of interest has been discontinued are recorded as income when received unless full recovery of principal is in doubt whereby cash received is recorded as principal reduction.
	Gains or losses on the sale of mortgage loans are recognized at settlement dates and are computed as the difference between the sales proceeds received and the net book value of the mortgage loans sold.
	Loans held for sale are carried at the lower of aggregate cost or market, with market determined on the basis of open commitments for committed loans. For uncommitted loans, market is determined on the basis of current delivery prices in the secondary mortgage market.
	Acquired loans are recorded at fair value at the date of acquisition. The fair values of loans with evidence of credit deterioration (impaired loans) are recorded net of a nonaccretable difference and, if appropriate, an accretable yield. The difference between contractually required principal and interest payments at acquisition and the cash flows expected to be collected at acquisition is the nonaccretable difference, which is included in the carrying amount of acquired loans. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions, or a reclassification of the difference from nonaccretable to accretable with a positive impact on the accretion of interest income in future periods. Any excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized in interest income over the remaining life of the loan when there is reasonable expectation about the amount and timing of such cash flows. The expected cash flows method of income recognition is also used for other acquired loans in the NCB and MCB acquisitions where the loans were acquired at a discount attributable, at least in part, to credit quality.
	Performing loans acquired in the FNB acquisition are accounted for using the contractual cash flows method of recognizing discount accretion based on the acquired loans’ contractual cash flows. Purchased performing loans are recorded at fair value. Credit losses on acquired performing loans are estimated based on analysis of the performing portfolio. Such estimated credit losses are recorded as an acquisition fair value adjustment and are accreted as an adjustment to yield over the estimated lives of the loans. Effective October 1, 2009, as a result of the adoption of new accounting guidance, there is no allowance for loan losses established at the acquisition date for purchased performing loans. A provision for loan losses is recorded for any further deterioration in these loans subsequent to the acquisition.
	Loans covered under loss sharing agreements with the FDIC (Covered Loans) are reported in loans exclusive of the expected reimbursement from the FDIC as it is not contractually embedded in the loans and loss sharing is not transferable with the loans should a decision be made to dispose of them. Covered Loans are initially recorded at fair value at the acquisition date and are continually reviewed for collectability based on the expectation of cash flows on these loans. Prospective losses incurred on Covered Loans are eligible for partial reimbursement by the FDIC under loss sharing agreements. Subsequent decreases in the amount expected to be collected result in a provision for credit losses, an increase in the allowance for loan and lease losses, and a proportional adjustment to the FDIC receivable for the estimated amount to be reimbursed. Subsequent significant increases in the amount expected to be collected result in the reversal of any previously recorded provision for credit losses and related allowance for loan and lease losses and adjustments to the FDIC receivable, or accretion of certain fair value amounts into interest income in future periods if no provision for credit losses had been recorded. Adjustments of the FDIC receivable are recorded over the lesser of the remaining life of applicable covered loans or the remaining term of loss sharing. Interest is accrued daily on the outstanding principal balances of non-impaired loans. Accretable discounts related to certain fair value adjustments are accreted into income over the estimated lives of the loans on a level yield basis.
	Covered Loans which are more than 90 days past due with respect to contractual interest or principal, unless they are well secured and in the process of collection, and other covered loans on which full recovery of principal or interest is in doubt, are placed on nonaccrual status as to contractual interest.
	In accordance with the loss sharing agreements with the FDIC, certain expenses relating to covered assets of external parties such as legal, property taxes, insurance, and the like may be partially reimbursed by the FDIC. Such qualifying future expenditures on covered assets will result in an increase to the FDIC receivable.
Allowance for Loan Losses	'
	(e)	Allowance for Loan Losses
	The allowance for loan losses is adjusted through provisions for loan losses charged or credited to operations. Loans are charged off against the allowance for loan losses when management believes that the collection of the principal is unlikely. Subsequent recoveries are added to the allowance. The allowance is determined through consideration of such factors as changes in the nature and volume of the portfolio, overall portfolio quality, delinquency trends, adequacy of collateral, loan concentrations, specific problem loans, and economic conditions that may affect the borrowers’ ability to pay.
	To the best of management’s ability, all known and inherent losses that are both probable and reasonable to estimate have been recorded. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to adjust the allowance based on their judgment about information available to them at the time of their examination.
Real Estate Owned	'
	(f)	Real Estate Owned
	Real estate acquired through foreclosure, consisting of properties obtained through foreclosure proceedings or acceptance of a deed in lieu of foreclosure, is reported on an individual asset basis at the lower of cost or fair value, less disposal costs. Fair value is determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. While initial fair value is determined by independent third parties, management may subsequently reassess these valuations and apply additional discounts if necessary. When properties are acquired through foreclosure, any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is recognized and charged to the allowance for loan losses. Subsequent write-downs are charged to a separate allowance for losses pertaining to real estate owned, established through provisions for estimated losses on real estate owned charged to operations. Based upon management’s evaluation of the real estate acquired through foreclosure, additional expense is recorded when necessary in an amount sufficient to reflect any estimated declines in fair value. Gains and losses recognized on the disposition of the properties are recorded in noninterest expense in the consolidated statements of income.
	Other real estate acquired through foreclosure covered under loss sharing agreements with the FDIC is reported exclusive of expected reimbursement cash flows from the FDIC. Subsequent decreases to the estimated recoverable value of covered other real estate result in a reduction of covered other real estate, and a charge to other expense, and an increase in the FDIC receivable for the estimated amount to be reimbursed, with a corresponding amount recorded in noninterest expense.
	Costs of improvements to real estate are capitalized, while costs associated with holding the real estate are charged to operations.
Premises and Equipment	'
	(g)	Premises and Equipment
	Premises and equipment are stated at cost, less accumulated depreciation, which is computed using the straight-line method over the estimated useful lives of the assets. The estimated useful lives of the assets range from 20 to 39 years for buildings and improvements and 3 to 15 years for furniture, fixtures, and equipment.
Receivable from FDIC for Loss Sharing Agreements	'
	(h)	Receivable from FDIC for Loss Sharing Agreements
	Under loss sharing agreements with the FDIC, the Bank recorded a receivable from the FDIC equal to the reimbursable portion of the estimated losses in the covered loans and other real estate acquired. The receivable is measured separately from the covered assets acquired as it is not contractually embedded in the loans and not transferable with the loans should a decision be made to dispose of them. The receivable was recorded at the present value of the estimated cash flows using discount rates of approximately four percent for NCB, one and a half percent for MCB, and two percent for FNB at the date of the respective acquisition and will be reviewed and updated prospectively as loss estimates related to covered loans and other real estate acquired through foreclosure change. These cash flows were discounted to reflect the uncertainty of the timing and receipt of the loss share reimbursements from the FDIC. Certain adjustments to the receivable are recorded over the lesser of the remaining life of applicable covered loans or the term of loss sharing. The Bank may also record adjustments/impairment to the receivable based on a collectablility analysis as it nears the end of the various loss sharing agreements with the FDIC. Most third party expenses on real estate and covered loans are covered under the loss sharing agreements and the cash flows from the reimbursable portion are included in the estimate of cash flows.
Mortgage Banking Activities	'
	(i)	Mortgage Banking Activities
	As a part of normal business operations, the Company originates residential mortgage loans that have been pre-approved by secondary investors. The terms of the loans are set by the secondary investors, and the purchase price that the investor will pay for the loan is agreed to prior to the commitment of the loan by the Company. Generally within three weeks after funding, the loans are transferred to the investor in accordance with the agreed-upon terms. The Company records gains from the sale of these loans on the settlement date of the sale equal to the difference between the proceeds received and the carrying amount of the loan. The gain generally represents the portion of the proceeds attributed to servicing release premiums received from the investors and the realization of origination fees received from borrowers which were deferred as part of the carrying amount of the loan. Between the initial funding of the loans by the Company and the subsequent reimbursement by the investors, the Company carries the loans on its balance sheet at the lower of cost or market. The fair value of the underlying commitment is not material to the consolidated financial statements.
	Fees for servicing loans for investors are based on the outstanding principal balance of the loans serviced and are recognized as income when earned.
Income Taxes	'
	(j)	Income Taxes
	The Company recognizes deferred tax assets and liabilities for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. In assessing the reliability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies by jurisdiction and entity in making this assessment. The Company allocates income taxes to the members of the consolidated tax return group based on their proportion of taxable income.
Comprehensive Income	'
	(k)	Comprehensive Income
	Comprehensive income for the Company consists of net income for the period, unrealized holding gains and losses on investments, mortgage-backed securities, collateralized mortgage-backed securities, and collateralized mortgage obligations classified as available for sale, net of income taxes, and certain reclassification adjustments.
Goodwill and Other Intangible Assets	'
	(l)	Goodwill and Other Intangible Assets
	Intangible assets include costs in excess of net assets acquired and core deposit intangibles recorded in connection with the acquisitions of EBA Bancshares, Inc. and subsidiary, Eagle Bank of Alabama (collectively “EBA”), McIntosh Commercial Bank and The First National Bank of Florida. The core deposit intangible is being amortized over thirteen, five and six years, respectively.
	The Company tests its goodwill for impairment annually unless interim events or circumstances make it more likely than not that an impairment loss has occurred. Impairment is defined as the amount by which the implied fair value of the goodwill is less than the goodwill’s carrying value. Impairment losses, if incurred, would be charged to operating expense. For the purposes of evaluating goodwill, the Company has determined that it operates only one reporting unit. The Company performed a qualitative assessment and determined that it was not more likely than not that the fair value of the reporting unit was less than the carrying amount at September 30, 2013.
Acquisitions	'
	(m)	Acquisitions
	Accounting principles generally accepted in the United States (US GAAP) requires that the acquisition method of accounting, formerly referred to as purchase method, be used for all business combinations and that an acquirer be identified for each business combination. Under US GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. US GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any noncontrolling interest in the acquiree at the acquisition date.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of Neighborhood Community Bank (“NCB”) headquartered in Newnan, Georgia on June 26, 2009. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of NCB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of NCB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities, short-term borrowings and long-term obligations that were assumed from NCB. The carrying value of certain long-term assets acquired in the acquisition of NCB, primarily the estimated value of core deposits of approximately $1.1 million, were reduced to zero by the excess of fair value of net assets acquired over liabilities assumed in the acquisition.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of McIntosh Commercial Bank (“MCB”) headquartered in Carrollton, Georgia on March 26, 2010. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of MCB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of MCB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities, short-term borrowings and long-term obligations that were assumed from MCB.
	The Company’s wholly-owned subsidiary acquired certain assets and liabilities of The First National Bank of Florida (“FNB”) headquartered in Milton, Florida on September 9, 2011. The acquisition was completed with the assistance of the Federal Deposit Insurance Corporation (FDIC), which had been appointed Receiver of the entity by its state banking authority immediately prior to the Bank’s acquisition. The acquired assets and assumed liabilities of FNB were measured at estimated fair value. Management made significant estimates and exercised significant judgment in accounting for the acquisition of FNB. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Other real estate acquired through foreclosure was valued based upon pending sales contracts and appraised values, adjusted for current market conditions. Management used quoted or current market prices to determine the fair value of investment securities acquired from FNB.
Stock-Based Compensation	'
	(n)	Stock-Based Compensation
	The Company recognizes the estimated fair value of such equity instruments as expense as services are performed. The Company recognizes the total cost of the Company’s share based awards equal to the grant date fair value as expense on a straight line basis over the service periods of the awards.
Income Per Share	'
	(o)	Income Per Share
	Basic net income per share is computed on the weighted average number of shares outstanding. Diluted net income per share is computed by dividing net income by weighted average shares outstanding plus potential common shares resulting from dilutive stock options, determined using the treasury stock method.
			Years Ended September 30,
			2013		2012		2011
	Net income		$	6,256,417	$	4,978,692	$	2,305,352
	Denominator:
	Weighted average common shares outstanding		20,629,531		19,501,312		19,799,405
	Equivalent shares issuable upon vesting of restricted stock awards and dilutive shares		162,558		36,036		46,531
	Diluted shares		20,792,089		19,537,348		19,845,936
	Net income per share:
	Basic		$	0.3	$	0.26	$	0.12
	Diluted		$	0.3	$	0.26	$	0.12
	__________________________________
	-1	Share and share amounts held by the public prior to April 8, 2013 have been restated to reflect the completion of the second-step conversion on April 8, 2013 using a conversion ratio of 1.2471.
Treasury Stock	'
	(p)	Treasury Stock
	Treasury stock is accounted for at cost.
Employee Stock Ownership Plan (ESOP)	'
	(q)	Employee Stock Ownership Plan (ESOP)
	The Company has an internally-leveraged ESOP trust that covers substantially all of its employees. The Company’s common stock not yet allocated to participants is reflected as unearned compensation in stockholders’ equity. The Company records compensation expense associated with the ESOP based on the average market price (fair value) of the total Company shares committed to be released, and subsequently allocated to participants, during the year. The Company further records as compensation expense any dividends declared on unallocated Company shares in the ESOP trust. Earnings per share computations include any allocated shares in the ESOP trust.
Bank Owned Life Insurance	'
	(r)	Bank Owned Life Insurance
	The Company owns life insurance policies to provide for the payment of death benefits related to existing deferred compensation and supplemental income plans maintained for the benefit of certain executives and directors of the Company. The total cash surrender value amounts of such policies at September 30, 2013 and 2012 was $39,825,881 and $33,831,920, respectively. The Company recorded, as income, increases to the cash surrender value of $993,961, $1,057,397, and $1,096,510, for the three years ended September 30, 2013, 2012, and 2011, respectively.
Recent Accounting Pronouncements	'
	(s)	Recent Accounting Pronouncements
	In October 2012, the FASB issued an update to the accounting standards to provide guidance on the subsequent accounting treatment for an indemnification asset recognized at the acquisition date as a result of a government-assisted acquisition of a financial institution. The amendments in this update require entities that recognize an indemnification asset (in accordance with Subtopic 805-20) as a result of a government-assisted acquisition of a financial institution and subsequently a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification) to subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). The amendments in this guidance were effective for the Company for fiscal years, and interim periods within those years, beginning on or after December 15, 2012. The adoption of this update has no impact on the consolidated financial statements because the Company's accounting procedures for the indemnification asset were in compliance with this amendment.
	In February 2013, the FASB issued an update to the accounting standards to improve the reporting of reclassifications out of accumulated other comprehensive income. The amendments in this update require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. This update was effective prospectively for reporting periods beginning after December 15, 2012. The adoption of this update increased disclosures in the financial statements.

Summary_of_Significant_Account2

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Computation of Basic Net Income Per Share	'
	Basic net income per share is computed on the weighted average number of shares outstanding. Diluted net income per share is computed by dividing net income by weighted average shares outstanding plus potential common shares resulting from dilutive stock options, determined using the treasury stock method.
		Years Ended September 30,
		2013		2012		2011
	Net income	$	6,256,417	$	4,978,692	$	2,305,352
	Denominator:
	Weighted average common shares outstanding	20,629,531		19,501,312		19,799,405
	Equivalent shares issuable upon vesting of restricted stock awards and dilutive shares	162,558		36,036		46,531
	Diluted shares	20,792,089		19,537,348		19,845,936
	Net income per share:
	Basic	$	0.3	$	0.26	$	0.12
	Diluted	$	0.3	$	0.26	$	0.12

Goodwill_and_Other_Intangible_1

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Sep. 30, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Summary of Intangible Assets	'
	At September 30, 2013 and 2012, intangible assets are summarized as follows:
		September 30,
		2013		2012
	Goodwill	$	4,325,282	$	4,325,282
	Core deposit intangible	$	3,369,449	$	3,369,449
	Less accumulated amortization	2,565,563		2,089,140
	Other intangible assets, net of amortization	$	803,886	$	1,280,309
Amortization Expense for Core Deposit Intangible	'
	Amortization expense for the core deposit intangible for the next five years as of September 30, 2013 is as follows:
	Year Ending September 30,
	2014	$	391,566
	2015	266,181
	2016	121,531
	2017	24,608
	2018	—
		$	803,886

Securities_Available_for_Sale_

Securities Available for Sale (Tables)	12 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Securities Available for Sale, Credit Rating	'
	Securities available for sale are summarized as follows:
			30-Sep-13
			Amortized			Gross unrealized gains			Gross unrealized losses			Estimated
			Cost									fair value
	Other investment securities:
	Tax-free municipals		$	14,897,685		$	16,733		$	(826	)	$	14,913,592
	U.S. government sponsored entities		5,025,898			4,145			—			5,030,043
	Mortgage-backed securities:
	FNMA certificates		118,466,995			526,825			(2,692,511		)	116,301,309
	GNMA certificates		1,727,789			117,828			—			1,845,617
	FHLMC certificates		53,419,411			330,921			(584,915		)	53,165,417
	Collateralized mortgage-backed securities:
	FNMA		7,189,766			66,719			—			7,256,485
	Collateralized mortgage obligations:
	FNMA		2,207,643			66,727			—			2,274,370
	FHLMC		372,444			35,410			—			407,854
	Private-label mortgage securities:
	Investment grade		2,010,627			29,388			(90,020		)	1,949,995
	Split Rating (1)		1,292,942			—			(54,434		)	1,238,508
	Non-investment grade		11,294,468			—			(559,251		)	10,735,217
	Total		$	217,905,668		$	1,194,696		$	(3,981,957	)	$	215,118,407
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
			30-Sep-12
			Amortized			Gross			Gross			Estimated
			Cost			unrealized			unrealized			air value
						gains			losses
	Other investment securities:
	Tax-free municipals		$	11,555,068		$	25,004		$	(1,571	)	$	11,578,501
	U.S. government sponsored entities		16,519,624			107,431			—			16,627,055
	Mortgage-backed securities:
	FNMA certificates		84,836,714			1,748,088			—			86,584,802
	GNMA certificates		4,568,181			377,231			—			4,945,412
	FHLMC certificates		45,178,602			1,065,844			—			46,244,446
	Collateralized mortgage obligations:
	FNMA		7,712,770			314,386			—			8,027,156
	GNMA		499,503			3,960			(152		)	503,311
	FHLMC		533,379			46,710			—			580,089
	Private-label mortgage securities:
	Investment grade		2,480,412			32,214			(155,882		)	2,356,744
	Split Rating (1)		6,922,884			—			(676,581		)	6,246,303
	Non-investment grade		8,264,044			—			(2,578,530		)	5,685,514
	Total		$	189,071,181		$	3,720,868		$	(3,412,716	)	$	189,379,333
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
Amortized Cost And Estimated Fair Value of Investment Securities	'
	The amortized cost and estimated fair value of investment securities available for sale as of September 30, 2013, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
			Amortized			Estimated
			cost			fair value
	Less than 1 year		$	5,025,898		$	5,030,043
	1-5 years		2,172,635			2,173,115
	Greater than 5 years		12,725,051			12,740,477
	Mortgage-backed securities		197,982,084			195,174,772
			$	217,905,668		$	215,118,407
Securities Available for Sale in Continuous Unrealized Loss Position for Less Than 12 Months	'
	Securities available for sale in a continuous unrealized loss position for less than 12 months at September 30, 2013 are as follows:
			30-Sep-13
			Amortized			Gross			Estimated
			cost			unrealized			fair value
						losses
	Other investment securities:
	Tax-free municipals		$	722,803		$	(51	)	$	722,752
	Mortgage-backed securities:
	FHLMC certificates		21,328,101			(584,915		)	20,743,186
	FNMA certificates		92,575,581			(2,692,511		)	89,883,070
	Collateralized mortgage obligations:
	Private-label mortgage securities		3,764,878			(147,843		)	3,617,035
			$	118,391,363		$	(3,425,320	)	$	114,966,043
Continuous Unrealized Loss Position Greater Than Twelve Months	'
	Securities available for sale that have been in a continuous unrealized loss position for greater than 12 months at September 30, 2013 and 2012 are as follows:
			30-Sep-13
			Amortized			Gross			Estimated
			cost			unrealized			fair value
						losses
	Other investment securities:
	Tax-free municipals		$	253,404		(775		)	252,629
	Collateralized mortgage obligations:
	Private-label mortgage securities		9,971,596			(555,862		)	9,415,734
			$	10,225,000		$	(556,637	)	$	9,668,363
			30-Sep-12
			Amortized			Gross			Estimated
			cost			unrealized			fair value
						losses
	Other investment securities:
	Tax-free municipals		$	262,550		(1,571		)	260,979
	Collateralized mortgage obligations:
	GNMA		133,587			(152		)	133,435
	Private-label mortgage securities		16,485,944			(3,410,993		)	13,074,951
			$	16,882,081		$	(3,412,716	)	$	13,469,365
Changes in Amount of Credit Losses on Investment Securities Recognized in Earnings	'
	The following table summarizes the changes in the amount of credit losses on the Company’s investment securities recognized in earnings for the years ended September 30, 2013, 2012 and 2011:
			Years Ended September 30,
			2013			2012			2011
	Beginning balance of credit losses previously recognized in earnings		$	380,446		$	4,822,916		$	2,526,674
	Amount related to credit losses for securities for which an other-than-temporary impairment was not previously recognized in earnings		—			—			—
	Amount related to credit losses for securities for which an other-than-temporary impairment was recognized in earnings		—			273,259			2,296,242
	Reduction due to credit impaired securities sold or fully settled		—			(4,715,729		)	—
	Ending balance of cumulative credit losses recognized in earnings		$	380,446		$	380,446		$	4,822,916
Non-Agency Collateralized Mortgage Obligations	'
	The following table shows issuer-specific information, including current par value, book value, fair value, credit rating and unrealized gain (loss) for the Company’s portfolio of private-label mortgage obligations as of September 30, 2013.
	Cusip		Description		Credit Rating (1)				Cumulative			Current Par Value		Amortized		Market		Unrealized
									Net					Cost		Value		Gain
									Impairment									(Loss)
									Losses
									Recognized
									in Earnings
					Moody	S&P		Fitch	(dollars in thousands)
	Investment Grade
	36228FQF6		GSR 2003-4F 1A2		n/a	AA+		A	$	—		$	269	$	269	$	282	$	13
	55265KL80		MASTR 2003-8 4A1		n/a	A+		AAA	—			596		593		609		16
	86359BVF5		SARM 2004-6 3A3		n/a	A+		n/a	—			1,149		1,149		1,059		(90		)
			Total						$	—		$	2,014	$	2,011	$	1,950	$	(61	)
	Split Rating
	17307GDL9		CMLTI 2004-HYB1 A31		B1	n/a		BBB	$	—		$	1,293	$	1,293	$	1,239	$	(54	)
			Total						$	—		$	1,293	$	1,293	$	1,239	$	(54	)
	Non-Investment Grade
	576433UQ7		MARM 2004-13 B1		NR	CCC		n/a	$	380		$	4,514	$	4,133	$	3,830	$	(303	)
	576433VN3		MARM 2004-15 4A1		B3	n/a		CCC	—			2,472		2,472		2,379		(93		)
	576433QD1		MARM 2004-7 5A1		Ba3	BB		n/a	—			4,689		4,689		4,526		(163		)
			Total						$	380		$	11,675	$	11,294	$	10,735	$	(559	)
			Grand Total						$	380		$	14,982	$	14,598	$	13,924	$	(674	)
	__________________________________
	-1	Credit ratings are current as of September 30, 2013.

Loans_Receivable_Tables

Loans Receivable (Tables)	12 Months Ended
	Sep. 30, 2013
Loans receivable	'
	Loans receivable are summarized as follows:
			30-Sep-13				30-Sep-12
	Loans not covered by loss sharing agreements:
	1-4 family residential real estate		$	124,571,147			$	105,514,544
	Commercial real estate		269,609,005				251,379,010
	Commercial		23,773,942				16,596,833
	Real estate construction		44,653,355				45,369,190
	Consumer and other		17,544,816				18,107,198
	Loans receivable, net of undisbursed proceeds of loans in process		480,152,265				436,966,775
	Less:
	Unamortized loan origination fees, net		1,100,666				1,101,481
	Allowance for loan losses		8,188,896				8,189,895
	Total loans not covered, net		$	470,862,703			$	427,675,399
Covered Loans Acquired	'
	The carrying amount of covered loans at September 30, 2013 and 2012 consisted of impaired loans at acquisition date and all other acquired loans and are presented in the following tables.
			30-Sep-13
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Loans covered by loss sharing agreements:
	1-4 family residential real estate		$	4,316,008			$	6,285,647			$	10,601,655
	Commercial real estate		46,170,021				61,572,581				107,742,602
	Commercial		2,844,456				4,039,892				6,884,348
	Real estate construction		—				—				—
	Consumer and other		500,382				2,894,282				3,394,664
	Loans receivable, gross		53,830,867				74,792,402				128,623,269
	Less:
	Nonaccretable difference		7,757,070				3,076,192				10,833,262
	Allowance for covered loan losses		705,446				3,218,832				3,924,278
	Accretable discount		3,508,430				1,164,941				4,673,371
	Discount on acquired performing loans		—				177,858				177,858
	Unamortized loan origination fees, net		—				22,910				22,910
	Total loans covered, net		$	41,859,921			$	67,131,669			$	108,991,590
			30-Sep-12
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Loans covered by loss sharing agreements:
	1-4 family residential real estate		$	5,619,110			$	9,421,190			$	15,040,300
	Commercial real estate		71,806,980				88,353,272				160,160,252
	Commercial		12,081,845				13,885,559				25,967,404
	Real estate construction		1,321,752				559,675				1,881,427
	Consumer and other		708,832				5,458,309				6,167,141
	Loans receivable, gross		91,538,519				117,678,005				209,216,524
	Less:
	Nonaccretable difference		14,285,220				5,096,952				19,382,172
	Allowance for covered loan losses		1,793,943				8,546,872				10,340,815
	Accretable discount		9,869,297				3,055,050				12,924,347
	Discount on acquired performing loans		—				308,728				308,728
	Unamortized loan origination fees, net		—				32,146				32,146
	Total loans covered, net		$	65,590,059			$	100,638,257			$	166,228,316
Accretable Discount on Acquired Loans	'
	The following table documents changes in the accretable discount on acquired loans during the years ended September 30, 2013 and 2012:
			Impaired Loans at Acquisition				All Other				Total Covered Loans
							Acquired Loans
	Balance, September 30, 2011		$	16,893,100			$	4,705,432			$	21,598,532
	Loan accretion		(7,023,803		)		(1,650,382		)		(8,674,185		)
	Balance, September 30, 2012		9,869,297				3,055,050				12,924,347
	Loan accretion		(6,834,946		)		(1,957,057		)		(8,792,003		)
	Transfer from nonaccretable difference		474,079				66,948				541,027
	Balance, September 30, 2013		$	3,508,430			$	1,164,941			$	4,673,371
Allowance for Loan Losses	'
	The following is a summary of transactions during the years ended September 30, 2013, 2012 and 2011 in the allowance for loan losses on loans covered by loss sharing:
			September 30,
			2013				2012				2011
	Balance, beginning of year		$	10,340,815			$	6,892,425			$	15,553,536
	Loans charged-off (gross)		(7,396,953		)		(6,700,215		)		(16,103,611		)
	Recoveries on loans previously charged-off		147,529				744,850				1,442,500
	Provision for loan losses charged to FDIC receivable		743,443				8,202,159				4,800,000
	Provision for loan losses charged to operations		89,444				1,201,596				1,200,000
	Balance, end of year		$	3,924,278			$	10,340,815			$	6,892,425
Changes in Carrying Value of FDIC Receivable	'
	The following table documents changes in the carrying value of the FDIC receivable for loss sharing agreements relating to covered loans and other real estate owned during the years ended September 30, 2013, 2012 and 2011:
			September 30,
			2013				2012				2011
	Balance, beginning of year		$	35,135,533			$	96,777,791			$	89,824,798
	Fair value of FDIC receivable for loss sharing agreements at acquisition		—				—				51,555,999
	Payments made to (received from) FDIC		(480,550		)		(80,528,485		)		(53,615,832		)
	Accretion of fair value adjustment		675,696				1,461,779				1,035,125
	Impairment		(642,461		)		—				—
	Recovery of previous loss reimbursements		(12,847,769		)		(3,252,736		)		(3,617,003		)
	Reduction in previous loss estimates		(3,426,783		)		—				—
	Provision for estimated losses on covered assets recognized in noninterest expense		7,691,463				15,976,659				4,800,000
	External expenses qualifying under loss sharing agreements		3,836,733				4,700,525				6,794,704
	Balance, end of year		$	29,941,862			$	35,135,533			$	96,777,791
	A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis is as follows:
		Year Ended				Year Ended
		30-Sep-13				30-Sep-12
	Fair value, beginning balance	$	1,054,280			$	1,064,338
	Purchases	—				—
	Sales	—				(373,107		)
	Settlements	—				—
	Change in unrealized loss recognized in other comprehensive income	—				—
	Valuation loss recognized in noninterest expense	(467,841		)		(442,000		)
	Total realized losses included in income	—				(81,231		)
	Transfers in and/or out of level 3	1,158,145				886,280
	Fair value, ending balance	$	1,744,584			$	1,054,280
Impaired Loans Not Covered by Loss Sharing	'
	Impaired loans not covered by loss sharing, segregated by class of loans were as follows:
	September 30, 2013
															Year Ended
															September 30, 2013
			Recorded				Unpaid				Related				Average				Interest
			Investment				Principal				Allowance				Investment				Income
							Balance								in Impaired				Recognized
															Loans
	With no related allowance recorded:
	1-4 family residential real estate		$	1,614,765			$	1,931,968			$	—			$	1,699,236			$	5,901
	Commercial real estate		11,863,525				14,090,218				—				13,561,174				583,465
	Commercial		1,661,036				1,681,641				—				2,299,878				74,935
	Real estate construction		—				—				—				—				—
	Grand Total		$	15,139,326			$	17,703,827			$	—			$	17,560,288			$	664,301
	There were no recorded allowances for impaired loans not covered by loss sharing at September 30, 2013. The recorded investment in accruing troubled debt restructured loans at September 30, 2013 totaled $12,302,311 and is included in the impaired loan table above.
	September 30, 2012
															Year Ended
															September 30, 2012
			Recorded				Unpaid				Related				Average				Interest
			Investment				Principal				Allowance				Investment				Income
							Balance								in Impaired				Recognized
															Loans
	With no related allowance recorded:
	1-4 family residential real estate		$	2,500,824			$	2,982,895			$	—			$	2,867,188			$	31,122
	Commercial real estate		12,469,240				14,063,513				—				13,689,972				568,615
	Commercial		2,847,862				2,860,935				—				2,908,659				95,676
	Real estate construction		5,925				34,844				—				32,735				296
	Grand Total		$	17,823,851			$	19,942,187			$	—			$	19,498,554			$	695,709
Summary of Activity With Respect to Aggregate Loans	'
	The following is a summary of activity with respect to such aggregate loans to these individuals and their associates and affiliated companies:
			September 30,
			2013				2012
	Beginning balance		$	802,957			$	1,521,462
	Additions to new officer loans		—				—
	Repayments		(118,962		)		(718,505		)
	Ending balance		$	683,995			$	802,957
Troubled Debt Restructurings	'
	For the years ended September 30, 2013 and 2012, the following tables present a breakdown of the types of concessions determined to be troubled debt restructurings (“TDRs”) during the period by loan class:
		Accruing Loans											Nonaccrual Loans
		Year Ended September 30, 2013											Year Ended September 30, 2013
		Number of			Pre-Modification				Post-Modification				Number of			Pre-Modification				Post-Modification
		loans			Outstanding				Outstanding				loans			Outstanding				Outstanding
					Recorded				Recorded							Recorded				Recorded
					Investment				Investment							Investment				Investment
	Payment structure modification
	Commercial Real Estate	1			315,308				251,970				1			80,462				41,080
	Total	1			$	315,308			$	251,970			1			$	80,462			$	41,080
		Accruing Loans											Nonaccrual Loans
		Year Ended September 30, 2012											Year Ended September 30, 2012
		Number of			Pre-Modification				Post-Modification				Number of			Pre-Modification				Post-Modification
		Loans			Outstanding				Outstanding				Loans			Outstanding				Outstanding
					Recorded				Recorded							Recorded				Recorded
					Investment				Investment							Investment				Investment
	Below market interest rate
	Commercial Real Estate	10			$	4,854,691			$	4,802,649			—			$	—			$	—
	Commercial	1			2,656,363				2,624,018				—			—				—
	Total	11			$	7,511,054			$	7,426,667			—			$	—			$	—
	Payment structure modification
	Commercial Real Estate	2			$	94,792			$	94,792			1			$	131,841			$	131,022
	Total	2			$	94,792			$	94,792			1			$	131,841			$	131,022
	Grand Total	13			$	7,605,846			$	7,521,459			1			$	131,841			$	131,022
Past Due Loans	'
Age Analysis of Past Due Loans	'
	An age analysis of past due loans not covered by loss sharing, segregated by class of loans at September 30, 2013 and 2012 were as follows:
	September 30, 2013
			30-89 Days				Greater than				Total				Current				Total				Loans > 90
			Past Due				90 Days				Past Due								Loans				Days
							Past Due																Accruing
	1-4 family residential real estate		$	1,116,477			$	47,283			$	1,163,760			$	123,407,387			$	124,571,147			$	47,283
	Commercial real estate		524,803				836,510				1,361,313				268,247,692				269,609,005				—
	Commercial		113,019				—				113,019				23,660,923				23,773,942				—
	Real estate construction		37,312				—				37,312				44,616,043				44,653,355				—
	Consumer and other		144,990				—				144,990				17,399,826				17,544,816				—
			$	1,936,601			$	883,793			$	2,820,394			$	477,331,871			$	480,152,265			$	47,283
	September 30, 2012
			30-89 Days				Greater than				Total				Current				Total				Loans > 90
			Past Due				90 Days				Past Due								Loans				Days
							Past Due																Accruing
	1-4 family residential real estate		$	1,460,017			$	621,257			$	2,081,274			$	103,433,270			$	105,514,544			$	401,726
	Commercial real estate		1,459,472				—				1,459,472				249,919,538				251,379,010				—
	Commercial		145,001				—				145,001				16,451,832				16,596,833				—
	Real estate construction		—				—				—				45,369,190				45,369,190				—
	Consumer and other		125,054				—				125,054				17,982,144				18,107,198				—
			$	3,189,544			$	621,257			$	3,810,801			$	433,155,974			$	436,966,775			$	401,726
Non-covered loans	'
Age Analysis of Past Due Loans	'
	Nonaccrual and Past Due Loans. Nonaccrual loans not covered by loss sharing, segregated by class of loans were as follows:
			September 30,
			2013				2012
	1-4 family residential real estate		$	1,507,760			$	2,038,340
	Commercial real estate		1,120,938				771,711
	Commercial		161,036				191,499
	Real estate construction		—				—
	Consumer and other		84,208				42,363
	Total		$	2,873,942			$	3,043,913
Risk Grades of Loan Portfolio	'
	The following table presents the risk grades of the loan portfolio not covered by loss sharing, segregated by class of loans:
	September 30, 2013
			1-4 family				Commercial				Commercial				Real estate				Consumer				Total
			residential				real estate								construction				and other
			real estate
	Pass (1-4)		$	117,274,336			$	245,346,763			$	20,708,908			$	44,628,569			$	16,756,882			$	444,715,458
	Special Mention (5)		2,438,309				2,094,817				996,970				—				471,186				6,001,282
	Substandard (6)		4,858,502				22,167,425				2,068,064				24,786				315,848				29,434,625
	Doubtful (7)		—				—				—				—				900				900
	Loss (8)		—				—				—				—				—				—
	Total not covered loans		$	124,571,147			$	269,609,005			$	23,773,942			$	44,653,355			$	17,544,816			$	480,152,265
	September 30, 2012
			1-4 family				Commercial				Commercial				Real estate				Consumer				Total
			residential				real estate								construction				and other
			real estate
	Pass (1-4)		$	97,045,428			$	217,582,908			$	13,252,993			$	44,075,754			$	17,357,541			$	389,314,624
	Special Mention (5)		3,525,488				11,396,970				93,033				286,505				559,982				15,861,978
	Substandard (6)		4,943,628				22,399,132				3,250,807				1,006,931				189,675				31,790,173
	Doubtful (7)		—				—				—				—				—				—
	Loss (8)		—				—				—				—				—				—
	Total not covered loans		$	105,514,544			$	251,379,010			$	16,596,833			$	45,369,190			$	18,107,198			$	436,966,775
Allowances for Loan Losses	'
	The following tables are a summary of transactions in the allowance for loan losses on loans not covered by loss sharing by portfolio segment:
		Year ended September 30, 2013
		1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
		real estate				real estate								construction				and other
	Allowance for loan losses:
	Balance at beginning of year	$	879,854			$	5,480,132			$	711,594			$	287,129			$	79,627			$	751,559		$	8,189,895
	Charge-offs	(224,676		)		(1,121,815		)		(164,923		)		—				(89,957		)		—			(1,601,371		)
	Recoveries	58,784				92,769				39,600				6,875				2,344				—			200,372
	Provision (credit)	148,081				995,271				(130,438		)		93,298				132,703				161,085			1,400,000
	Balance at end of period	$	862,043			$	5,446,357			$	455,833			$	387,302			$	124,717			$	912,644		$	8,188,896
	Ending balance: individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—						$	—
	Loans:
	Ending balance	$	124,571,147			$	269,609,005			$	23,773,942			$	44,653,355			$	17,544,816						$	480,152,265
	Ending balance: individually evaluated for impairment	$	1,614,765			$	11,863,525			$	1,661,036			$	—			$	—						$	15,139,326
		Year ended September 30, 2012
		1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
		real estate				real estate								construction				and other
	Allowance for loan losses:
	Balance at beginning of year	$	633,364			$	5,972,310			$	821,830			$	1,065,512			$	48,276			$	828,545		$	9,369,837
	Charge-offs	(1,180,899		)		(2,824,917		)		(408,314		)		(28,919		)		(87,735		)		—			(4,530,784		)
	Recoveries	3,881				359				41,473				—				5,129				—			50,842
	Provision (credit)	1,423,508				2,332,380				256,605				(749,464		)		113,957				(76,986		)	3,300,000
	Balance at end of period	$	879,854			$	5,480,132			$	711,594			$	287,129			$	79,627			$	751,559		$	8,189,895
	Ending balance: individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—						$	—
	Loans:
	Ending balance	$	105,514,544			$	251,379,010			$	16,596,833			$	45,369,190			$	18,107,198						$	436,966,775
	Ending balance: individually evaluated for impairment	$	2,500,824			$	12,469,240			$	2,847,862			$	5,925			$	—						$	17,823,851
		Year Ended September 30, 2011
		1-4 family				Commercial				Commercial				Real estate				Consumer				Unallocated			Total
		real estate				real estate								construction				and other
	Allowance for loan losses:
	Balance at beginning of year	$	1,023,078			$	6,103,391			$	623,479			$	1,236,169			$	79,149			$	731,829		$	9,797,095
	Charge-offs	(600,210		)		(957,064		)		(517,435		)		(21,822		)		(151,992		)		—			(2,248,523		)
	Recoveries	63,310				—				36,756				159				21,040				—			121,265
	Provision (credit)	147,186				825,983				679,030				(148,994		)		100,079				96,716			1,700,000
	Balance at end of period	$	633,364			$	5,972,310			$	821,830			$	1,065,512			$	48,276			$	828,545		$	9,369,837
	Ending balance: individually evaluated for impairment	$	—			$	1,162,795			$	66,818			$	—			$	—						$	1,229,613
	Loans:
	Ending balance	$	98,844,828			$	252,037,202			$	17,612,661			$	41,726,520			$	20,137,875						$	430,359,086
	Ending balance: individually evaluated for impairment	$	5,854,706			$	10,226,833			$	2,490,107			$	1,577,590			$	—						$	20,149,236
Covered loans	'
Age Analysis of Past Due Loans	'
	An age analysis of past due loans covered by loss sharing, segregated by class of loans at September 30, 2013 and 2012 were as follows:
	September 30, 2013
			30-89 Days				Greater than				Total				Current				Total				Loans > 90
			Past Due				90 Days				Past Due								Loans (1)				Days
							Past Due																Accruing (2)
	1-4 family residential real estate		$	414,577			$	937,974			$	1,352,551			$	7,991,686			$	9,344,237			$	937,974
	Commercial real estate		2,948,186				6,926,620				9,874,806				87,261,044				97,135,850				6,926,620
	Commercial		534,363				611,305				1,145,668				3,950,836				5,096,504				611,305
	Real estate construction		—				—				—				—				—				—
	Consumer and other		2,901				97,747				100,648				2,188,490				2,289,138				97,747
			$	3,900,027			$	8,573,646			$	12,473,673			$	101,392,056			$	113,865,729			$	8,573,646
	______________________________
	-1	Covered loan balances are net of nonaccretable differences and allowance for covered loan losses and have not been reduced by $4,851,229 of accretable discounts.
	-2	Covered loans contractually past due greater than ninety days are reported as accruing loans because of accretable discounts established at the time of acquisition.
	September 30, 2012
			30-89 Days				Greater than				Total				Current				Total				Loans > 90
			Past Due				90 Days				Past Due								Loans (1)				Days and
							Past Due																Accruing (2)
	1-4 family residential real estate		$	734,789			$	834,569			$	1,569,358			$	11,460,232			$	13,029,590			$	834,570
	Commercial real estate		6,546,132				20,588,187				27,134,319				115,540,726				142,675,045				20,588,187
	Commercial		917,019				2,984,197				3,901,216				13,723,435				17,624,651				2,984,197
	Real estate construction		—				—				—				1,343,072				1,343,072				—
	Consumer and other		55,441				391,755				447,196				4,373,983				4,821,179				391,754
			$	8,253,381			$	24,798,708			$	33,052,089			$	146,441,448			$	179,493,537			$	24,798,708
	______________________________
	-1	Covered loan balances are net of nonaccretable differences and allowance for covered loan losses and have not been reduced by $13,233,075 of accretable discounts.
	-2	Covered loans contractually past due greater than ninety days are reported as accruing loans because of accretable discounts established at the time of acquisition.
Risk Grades of Loan Portfolio	'
	The following tables present the risk grades, ignoring grade enhancement provided by the FDIC loss sharing, of the loan portfolio covered by loss sharing agreements, segregated by class of loans at September 30, 2013 and 2012. Numerical risk ratings 5-8 constitute classified assets for regulatory reporting; however, regulatory authorities consider the FDIC loss sharing percentage of either 80% or 95%, as applicable, as a reduction of the regulatory classified balance for covered loans.
	September 30, 2013
			1-4 family				Commercial				Commercial				Real estate				Consumer				Total (1)
			residential				real estate								construction				and other
			real estate
	Numerical risk rating (1-4)		$	5,318,294			$	45,762,355			$	2,988,721			$	—			$	1,658,075			$	55,727,445
	Numerical risk rating (5)		1,094,186				20,231,874				454,554				—				440,058				22,220,672
	Numerical risk rating (6)		2,925,433				29,491,113				1,058,143				—				190,171				33,664,860
	Numerical risk rating (7)		6,324				1,650,508				595,086				—				834				2,252,752
	Numerical risk rating (8)		—				—				—				—				—				—
	Total covered loans (1)		$	9,344,237			$	97,135,850			$	5,096,504			$	—			$	2,289,138			$	113,865,729
	______________________________
	-1	Covered loan balances are net of nonaccretable differences and allowances for covered loan losses and have not been reduced by $4,851,229 of accretable discounts.
	September 30, 2012
			1-4 family				Commercial				Commercial				Real estate				Consumer				Total (1)
			residential				real estate								construction				and other
			real estate
	Numerical risk rating (1-4)		$	7,153,464			$	56,448,239			$	6,912,992			$	—			$	4,011,268			$	74,525,963
	Numerical risk rating (5)		2,223,780				27,564,628				4,040,798				1,343,072				224,720				35,396,998
	Numerical risk rating (6)		3,217,548				54,282,789				5,127,288				—				581,495				63,209,120
	Numerical risk rating (7)		434,798				4,379,389				1,543,573				—				3,696				6,361,456
	Numerical risk rating (8)		—				—				—				—				—				—
	Total covered loans (1)		$	13,029,590			$	142,675,045			$	17,624,651			$	1,343,072			$	4,821,179			$	179,493,537
	______________________________
	-1	Covered loan balances are net of nonaccretable differences and allowances for covered loan losses and have not been reduced by $13,233,075 of accretable discounts.
Allowances for Loan Losses	'
	The following tables detail the nonaccretable discount and allowance for loan losses on loans covered by loss sharing by portfolio segment.
		Year Ended September 30, 2013
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total
		real estate				real estate								construction				and other
	Nonaccretable differences: (1)
	Balance at beginning of year	$	2,010,709			$	17,485,206			$	8,342,754			$	538,355			$	1,345,963			$	29,722,987
	Charge-offs	(745,066		)		(7,892,019		)		(3,495,072		)		(108,484		)		(313,116		)		(12,553,757		)
	Recoveries	12,491				579,021				129,368				1,000				1,353				723,233
	Reduction in previous loss estimates credited to FDIC receivable	—				(22,951		)		(3,006,250		)		(345,126		)		(52,456		)		(3,426,783		)
	Provision for loan losses charged to FDIC receivable	18,424				493,706				99,108				—				132,205				743,443
	(Credit) provision for loan losses charged to operations	(39,139		)		(35,003		)		168,342				536				(5,292		)		89,444
	Transfer to accretable discount	—				(1,208		)		(450,406		)		(86,281		)		(3,132		)		(541,027		)
	Ending balance	$	1,257,419			$	10,606,752			$	1,787,844			$	—			$	1,105,525			$	14,757,540
	Covered loans:
	Ending contractual balance	$	10,601,655			$	107,742,602			$	6,884,348			$	—			$	3,394,664			$	128,623,269
	______________________________
	-1	Amounts include the allowance for covered loan losses.
		Year Ended September 30, 2012
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total
		real estate				real estate								construction				and other
	Nonaccretable differences: (1)
	Balance at beginning of year	$	3,429,923			$	61,165,928			$	7,706,431			$	2,970,506			$	764,924			$	76,037,712
	Charge-offs	(1,515,979		)		(49,170,125		)		(6,664,343		)		(2,533,954		)		(390,044		)		(60,274,445		)
	Recoveries	7,665				394,841				4,150,489				—				2,970				4,555,965
	Provision for loan losses charged to FDIC receivable	85,717				4,165,963				2,907,496				96,225				946,758				8,202,159
	Provision for loan losses charged to operations	3,383				928,599				242,681				5,578				21,355				1,201,596
	Ending balance	$	2,010,709			$	17,485,206			$	8,342,754			$	538,355			$	1,345,963			$	29,722,987
	Covered loans:
	Ending contractual balance	$	15,040,300			$	160,160,252			$	25,967,404			$	1,881,427			$	6,167,141			$	209,216,524
	______________________________
	-1	Amounts include the allowance for covered loan losses.
		Year Ended September 30, 2011
		1-4 family				Commercial				Commercial				Real estate				Consumer				Total
		real estate				real estate								construction				and other
	Nonaccretable differences: (1)
	Balance at beginning of year	$	1,856,851			$	39,160,920			$	23,266,859			$	2,497,018			$	1,632,467			$	68,414,115
	Charge-offs	(53,748		)		(24,943,324		)		(20,020,399		)		(2,811,511		)		(1,887,271		)		(49,716,253		)
	Recoveries	67,943				1,220,753				3,334,031				74,875				41,249				4,738,851
	Acquisition	1,310,279				41,265,945				1,060,365				2,962,061				2,349				46,600,999
	Provision for loan losses charged to FDIC receivable	198,879				3,569,308				52,460				198,449				780,904				4,800,000
	Provision for loan losses charged to operations	49,719				892,326				13,115				49,614				195,226				1,200,000
	Ending balance	$	3,429,923			$	61,165,928			$	7,706,431			$	2,970,506			$	764,924			$	76,037,712
	Covered loans:
	Ending contractual balance	$	19,923,962			$	263,261,697			$	32,741,770			$	8,838,691			$	8,581,442			$	333,347,562
	______________________________
	-1	Amounts include the allowance for covered loan losses.

Accrued_Interest_and_Dividends1

Accrued Interest and Dividends Receivable (Tables)	12 Months Ended
	Sep. 30, 2013
Accrued Interest And Dividends Receivable Disclosure [Abstract]	'
Accrued Interest and Dividends Receivable	'
	At September 30, 2013 and 2012, accrued interest and dividends receivable are summarized as follows:
		September 30,
		2013		2012
	Loans receivable	$	2,086,658	$	2,520,272
	Mortgage-backed securities and collateralized mortgage obligations	453,319		462,466
	Other investment securities	188,925		258,582
		$	2,728,902	$	3,241,320

Real_Estate_Owned_Tables

Real Estate Owned (Tables)	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Real Estate Owned	'
	The following is a summary of transactions in other real estate owned:
	Non-covered real estate owned
		September 30,
		2013			2012			2011
	Balance, beginning of year	$	2,106,757		$	4,093,214		$	9,641,425
	Real estate acquired through foreclosure of loans receivable	1,540,046			2,577,269			3,760,607
	Real estate sold	(1,542,186		)	(3,453,111		)	(8,203,154		)
	Write down of real estate owned	(611,054		)	(612,541		)	(774,616		)
	Gain (loss) on sale of real estate owned	121,473			(24,074		)	(44,894		)
	Real estate transferred to premises and equipment	—			(474,000		)	(286,154		)
	Balance, end of year	$	1,615,036		$	2,106,757		$	4,093,214
	Covered real estate owned
		September 30,
		2013			2012			2011
	Balance, beginning of year	$	21,903,204		$	24,671,626		$	29,626,581
	Real estate acquired and subject to FDIC loss sharing agreement	—			—			7,556,102
	Real estate acquired through foreclosure of loans receivable	15,771,880			22,602,951			11,070,057
	Real estate sold	(20,260,362		)	(16,911,373		)	(23,581,114		)
	Gain on real estate sold recognized in noninterest expense	460,189			—			—
	Gain on real estate sold payable to FDIC	4,214,243			—			—
	Provision for losses on real estate owned recognized in noninterest expense	(1,072,288		)	(685,500		)	—
	Increase of FDIC receivable for loss sharing agreements	(6,948,020		)	(7,774,500		)	—
	Balance, end of year	$	14,068,846		$	21,903,204		$	24,671,626

Premises_and_Equipment_Tables

Premises and Equipment (Tables)	12 Months Ended
	Sep. 30, 2013
Property, Plant and Equipment [Abstract]	'
Summary of Premises and Equipment	'
	Premises and equipment at September 30, 2013 and 2012 is summarized as follows:
		September 30,
		2013		2012
	Land	$	5,764,540	$	6,882,381
	Buildings and improvements	18,233,675		18,564,624
	Furniture, fixtures, and equipment	6,344,116		6,470,985
	Construction in progress	—		90,248
		30,342,331		32,008,238
	Less accumulated depreciation	8,591,575		8,397,596
		$	21,750,756	$	23,610,642

Deposits_Tables

Deposits (Tables)	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Deposits	'
	At September 30, 2013 and 2012, deposits are summarized as follows:
		September 30, 2013								September 30, 2012
		Amount			Range of			Weighted		Amount		Range of			Weighted
					interest			average				interest			average
					rates			interest				rates			interest
								rates							rates
	Demand, NOW, and money market accounts	$	427,102,317		0	-	1.49%	0.15%		$	405,100,488	0	-	1.49%	0.22%
	Savings deposits	48,323,722			0.04	-	0.04%	0.04%		51,191,715		0.05	-	0.05%	0.05%
	Time deposits by original term:
	Time deposits $100,000 and over	138,519,823			0	-	4.35%	1.33%		177,919,765		0	-	4.35%	1.41%
	Other time deposits:
	12 months or less	89,763,175			0.03	-	4.35%	0.45%		113,512,566		0.03	-	5.40%	0.65%
	13-36 months	36,838,249			0.2	-	3.70%	1.78%		40,164,500		0.05	-	4.35%	1.72%
	37 months or more	10,749,382			0.15	-	1.63%	1.15%		12,372,512		0.15	-	2.58%	1.67%
	Total deposits	751,296,668						0.47%		800,261,546					0.62%
	Accrued interest payable	31,287								117,630
		$	751,327,955							$	800,379,176
Scheduled Maturities of Time Deposits	'
	At September 30, 2013, scheduled maturities of time deposits are as follows:
	2014	$	167,649,399
	2015	66,477,430
	2016	18,428,572
	2017	12,740,678
	2018 and thereafter	10,574,550
		$	275,870,629
Interest Expense on Deposits	'
	Interest expense on deposits for the years ended September 30, 2013, 2012, and 2011 is summarized as follows:
			Years Ended September 30,
			2013			2012			2011
	Demand, NOW, and money market accounts		$	693,756		$	1,035,681		$	1,691,458
	Savings deposits		23,300			104,043			37,212
	Time deposits		3,525,792			5,454,537			7,666,875
			$	4,242,848		$	6,594,261		$	9,395,545

Borrowings_Tables

Borrowings (Tables)	12 Months Ended
	Sep. 30, 2013
Debt Disclosure [Abstract]	'
Borrowings	'
	At September 30, 2013 and 2012, borrowings are summarized as follows:
		September 30,
		2013		2012
	Federal Home Loan Bank advances	$	60,000,000	$	81,000,000
	Total Borrowings	$	60,000,000	$	81,000,000
FHLB Advances Summarized by Year of Maturity	'
	FHLB advances at September 30, 2013 and 2012 are summarized by year of maturity in the table below:
		30-Sep-13									30-Sep-12
		Amount		Range of				Weighted			Amount		Range of		Weighted
				interest rates				average					interest rates		average
								interest rates							interest rates
	Less than one year	$	5,000,000		3.8	%			3.8	%	$	21,000,000		0.36-3.88%		3.49	%
	One to two years	5,000,000			3.99				3.99		5,000,000			3.8		3.8
	Two to three years	25,000,000			4.33				4.33		5,000,000			3.99		3.99
	Three to four years	—			—				—		25,000,000			4.33		4.33
	Four to five years	—			—				—		—			—		—
	Thereafter	25,000,000			4.3				4.3		25,000,000			4.3		4.3
		$	60,000,000						4.24	%	$	81,000,000				4.05	%
Interest Expense on Borrowing	'
	Interest expense on borrowings for the years ended September 30, 2013, 2012, and 2011, is summarized as follows:
		Years Ended September 30,
		2013		2012			2011
	Securities sold under agreements to repurchase	$	—	$	—		$	536
	Federal Home Loan
	Bank advances	3,118,271		3,994,754			5,831,456
		$	3,118,271	$	3,994,754		$	5,831,992

Income_Taxes_Tables

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Expense (Benefit)	'
	Income tax expense (benefit) attributable to income from continuing operations for the years ended September 30, 2013, 2012, and 2011 consists of:
		Years Ended September 30,
		2013			2012			2011
	Federal
	Current	$	6,045,389		$	3,057,729		$	2,518,411
	Deferred	(3,270,355		)	(2,247,339		)	(1,767,062		)
	Total federal tax expense	2,775,034			810,390			751,349
	State
	Current	438,345			320,035			149,480
	Deferred	(344,879		)	(491,375		)	(206,437		)
	Total state tax expense (benefit)	93,466			(171,340		)	(56,957		)
		$	2,868,500		$	639,050		$	694,392
Computation of Difference Between Actual Total Provision for Federal and State Income Taxes and Federal Income Taxes	'
	The difference between the actual total provision for federal and state income taxes and federal income taxes computed at the statutory rate of 35% for the years ended September 30, 2013, 2012, and 2011 is summarized as follows:
		Years Ended September 30,
		2013			2012			2011
	Computed “expected” tax expense	$	3,193,721		$	1,966,210		$	1,049,910
	Increase (decrease) in tax expense resulting from:
	State income taxes, net of federal tax effect	60,753			(111,371		)	(37,022		)
	Tax-exempt income	(367,327		)	(437,006		)	(383,779		)
	Market value appreciation (depreciation) of ESOP shares	33,952			(2,816		)	—
	Management retirement plan	(12,884		)	51,224			—
	Release of uncertain tax position reserve	—			(1,010,000		)	—
	Other, net	(39,715		)	182,809			65,283
	Income tax expense	$	2,868,500		$	639,050		$	694,392
Significant Portions of Deferred Tax Assets and Deferred Tax Liabilities	'
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities as of September 30, 2013 and 2012 are presented below:
		September 30,
		2013			2012
	Deferred tax assets:
	Allowance for loan losses	$	3,184,149		$	3,192,375
	Deferred compensation	1,463,689			987,061
	Stock compensation expense	818,224			810,415
	Real estate acquired through foreclosure	43,135			736,677
	State credits	31,188			261,718
	Investment securities market adjustment for tax reporting	72,495			133,964
	FDIC transactions	5,367,806			455,005
	Other than temporary impairment	1,195,029			1,432,675
	Net unrealized holding losses on securities available for sale	947,669			—
	Other	1,410,693			1,115,169
	Total gross deferred tax assets	14,534,077			9,125,059
	Deferred tax liabilities:
	Deferred loans cost, net	576,084			381,048
	Depreciation	2,448,577			2,226,714
	Net unrealized holding gains on securities available for sale	—			104,772
	Other	158,671			236,326
	Total gross deferred tax liabilities	3,183,332			2,948,860
	Net deferred tax assets	$	11,350,745		$	6,176,199
Reconciliation of Unrecognized Tax Benefit	'
	A reconciliation of the beginning and ending unrecognized tax benefit for the years ended September 30, 2013, 2012, and 2011 is as follows:
		Year Ended September 30,
		2013			2012			2011
	Balance at beginning of the year	$	—		$	1,010,000		$	1,010,000
	Additions based on tax positions related to the current year	—			—			—
	Increase (decrease) based on tax positions related to prior years	—			—			—
	Reductions as a result of statutes of limitations expiring	—			(1,010,000		)	—
	Balance at end of the year	$	—		$	—		$	1,010,000

Employee_Benefits_Tables

Employee Benefits (Tables)	12 Months Ended
	Sep. 30, 2013
Compensation and Retirement Disclosure [Abstract]	'
Fair Value of Options Assumptions	'
	The fair value of the 13,000 and 4,000 options granted during the year ended September 30, 2012 was estimated on the date of grant using the Black-Scholes-Merton model with the following assumptions:
			13,000 Options (1)				4,000 Options (1)
	Risk-free interest rate		1.8		%		1.8		%
	Dividend yield		2		%		2.2		%
	Expected life at date of grant (months)		120 months				120 months
	Volatility		19.56		%		19.56		%
	Weighted average grant-date fair value		$	1.73			$	1.38
	__________________________________
	-1	Options granted have not been updated to reflect the completion of the second-step conversion on April 8, 2013.
	The fair value of the 55,000 options granted during the year ended September 30, 2011 was estimated on the date of grant using the Black-Scholes-Merton model with the following assumptions:
			55,000 Options (1)
	Risk-free interest rate		3.21		%
	Dividend yield		2.5		%
	Expected life at date of grant		90 months
	Volatility		17.78		%
	Weighted average grant-date fair value		$	1.27
	__________________________________
	-1	Options granted have not been updated to reflect the completion of the second-step conversion on April 8, 2013.
Stock Option Activity	'
	The following table summarizes activity for shares under option and weighted average exercise price per share:
			Shares			Weighted average exercise price/share				Weighted
										average
										remaining life
										(years)
	Options outstanding – September 30, 2010		639,482			$	8.81			9
	Options exercised		—			—				—
	Options forfeited		(3,118	)		26.45				3
	Options granted in 2011		68,591			7.22				9
	Options outstanding – September 30, 2011		704,955			8.63				8
	Options exercisable at end of year – September 30, 2011		6,859			$	23.59			4
	Options outstanding – September 30, 2011		704,955			$	8.63			8
	Options exercised		—			—				—
	Options forfeited		(28,996	)		12.12				7
	Options granted in 2012		21,201			7.44				9
	Options outstanding – September 30, 2012		697,160			8.45				8
	Options exercisable at end of year – September 30, 2012		—			$	—			—
	Options outstanding – September 30, 2012		697,160			8.45				8
	Options exercised		—			—				—
	Options forfeited		(37,101	)		8.55				6
	Options granted in 2013		—			—				—
	Options outstanding – September 30, 2013		660,059			8.44				6
	Options exercisable at end of year – September 30, 2013		1,600			$	10.2			—
Stock Options Outstanding	'
	The following table summarizes information about the options outstanding at September 30, 2013:
		Number of options outstanding at September 30, 2013			Remaining contractual		Exercise price
					life in years		per share
		397,545			5		$	8.82
		174,594			7		8.18
		66,720			7		7.22
		16,212			8		7.34
		4,988			8		7.79
		660,059
Shares Granted	'
			Years Ended September 30,
			2013				2012				2011
	Shares granted		—				—				—
	Fair value per share at grant date		—				—				—
	Aggregate value at grant date		—				—				—
	Vesting for current year grants		—				—				—
	Expensed for year		$	59,470			$	108,845			$	216,668
Restricted Stock Award	'
			Shares			Weighted average grant date fair
						value per award
	Fiscal 2011 activity
	Unvested Restricted stock awards – September 30, 2010		64,318			$	18.23
	Granted		—			—
	Vested		19,319			20.28
	Cancelled or expired		1,247			40.09
	Unvested Restricted stock awards – September 30, 2011		43,752			16.71
	Fiscal 2012 activity
	Granted		—			—
	Vested		13,958			25.78
	Cancelled or expired		—			—
	Unvested Restricted stock awards – September 30, 2012		29,794			$	12.45
	Fiscal 2013 activity
	Granted		—			—
	Vested		14,829			16.77
	Cancelled or expired		—			—
	Unvested Restricted stock awards – September 30, 2013		14,965			8.18

Commitments_and_Contingent_Lia1

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Financial Instruments with Off-balance-sheet Risk	'
	A summary of the Company’s financial instruments with off-balance-sheet risk at September 30, 2013 and 2012 is as follows:
			September 30,
			2013		2012
	Financial instruments whose contract amounts represent credit risk – commitments to originate loans:
	Mortgage loans		$	2,051,634	$	1,001,524
	Non-mortgage loans		20,908,925		6,969,900
	Open-end consumer loans		9,354,703		10,489,768
	Open-end commercial loans		2,188,738		2,145,762
	Construction loans		49,347,934		35,878,900
	Total commitments to originate loans		$	83,851,934	$	56,485,854
Commitments to Fund Fixed Rate Loans	'
	The following summarizes the Company’s commitments to fund fixed rate loans at September 30, 2013 and 2012:
			Amount		Range of Rate
	30-Sep-13		$	1,297,134	2.75	-	5.00%
	30-Sep-12		$	697,524	2.99	-	3.99%
Future Minimum Lease Commitments	'
	Future minimum lease commitments under all noncancellable operating leases with terms of one year or more are as follows:
		September 30,
		2013
	2014	$	685,043
	2015	713,430
	2016	673,200
	2017	73,200
	2018	73,200
	Thereafter	1,034,100
		$	3,252,173

Fair_Value_of_Financial_Instru1

Fair Value of Financial Instruments and Fair Value Measurement (Tables)	12 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Estimated Fair Value of On-Balance Sheet Financial Instruments	'
	The estimated fair value of the Company’s remaining on-balance sheet financial instruments as of September 30, 2013 and 2012 are summarized below.
			September 30, 2013
											Estimated Fair Value
			Carrying				Total				Quoted Prices				Significant		Significant
			Value				Estimated				In Active				Other		Unobservable
							Fair Value				Markets for Identical Assets (Level 1)				Observable		Inputs
															Inputs		(Level 3)
															(Level 2)
	Financial assets:
	Cash and cash equivalents		$	161,452,481			$	161,452,481			$	161,452,481			$	—	$	—
	Investments available for sale		215,118,407				215,118,407				—				215,118,407		—
	FHLB Stock		3,940,300				3,940,300				—				3,940,300		—
	Loans receivable, net		579,854,293				549,751,987				—				—		549,751,987
	Loans held for sale		1,857,393				1,883,244				—				1,883,244		—
	Cash surrender value of life insurance		39,825,881				39,825,881				—				39,825,881		—
	FDIC receivable for loss sharing arrangements		29,941,862				29,369,037				—				—		29,369,037
	Assets held for sale		1,744,584				1,744,584				—				—		1,744,584
	Accrued interest and dividends receivable		2,728,902				2,728,902				—				642,244		2,086,658
	Financial liabilities:
	Deposits		$	751,296,668			$	724,702,400			$	—			$	724,702,400	$	—
	FHLB advances and other borrowings		60,000,000				66,297,123				—				66,297,123		—
	Accrued interest payable		200,173				200,173				—				200,173		—
			September 30, 2012
											Estimated Fair Value
			Carrying				Total				Quoted Prices				Significant		Significant
			Value				Estimated				In Active				Other		Unobservable
							Fair Value				Markets for Identical Assets (Level 1)				Observable		Inputs
															Inputs		(Level 3)
															(Level 2)
	Financial assets:
	Cash and cash equivalents		$	108,828,220			$	108,828,220			$	108,828,220			$	—	$	—
	Investments available for sale		189,379,333				189,379,333				—				189,379,333		—
	FHLB Stock		5,318,200				5,318,200				—				5,318,200		—
	Loans receivable, net		593,903,715				561,448,457				—				—		561,448,457
	Loans held for sale		2,691,508				2,741,672				—				2,741,672		—
	Cash surrender value of life insurance		33,831,920				33,831,920				—				33,831,920		—
	FDIC receivable for loss sharing arrangements		35,135,533				35,492,184				—				—		35,492,184
	Assets held for sale		1,054,280				1,054,280				—				—		1,054,280
	Accrued interest and dividends receivable		3,241,320				3,241,320				—				721,048		2,520,272
	Financial liabilities:
	Deposits		$	800,261,546			$	805,422,429			$	—			$	805,422,429	$	—
	FHLB advances and other borrowings		81,000,000				90,732,925				—				90,732,925		—
	Derivative instruments		12,443				12,443				—				12,443		—
	Accrued interest payable		320,980				320,980				—				320,980		—
Assets and Liabilities Measured on Recurring Basis	'
	Assets and liabilities measured at fair value on a recurring basis are summarized below.
			30-Sep-13
			Estimated				Quoted prices				Quoted prices for similar assets				Significant unobservable inputs (Level 3 inputs)
			fair value				in active				(Level 2 inputs)
							markets for
							identical assets
							(Level 1 inputs)
	Assets:
	Investment securities available for sale:
	Tax free municipals		$	14,913,592			$	—			$	14,913,592			$	—
	U.S. government sponsored entities		5,030,043				—				5,030,043				—
	Mortgage-backed securities:
	FNMA certificates		116,301,309				—				116,301,309				—
	GNMA certificates		1,845,617				—				1,845,617				—
	FHLMC certificates		53,165,417				—				53,165,417				—
	Collateralized mortgage-backed securities:
	FNMA		7,256,485				—				7,256,485				—
	Collateralized mortgage obligations:
	FNMA		2,274,370				—				2,274,370				—
	GNMA		—				—				—				—
	FHLMC		407,854				—				407,854				—
	Private-label mortgage securities:
	Investment grade		1,949,995				—				1,949,995
	Split rating (1)		1,238,508				—				1,238,508				—
	Non-investment grade		10,735,217				—				10,735,217				—
	Total investment securities available for sale		215,118,407				—				215,118,407				—
	Assets held for sale		1,744,584				—				—				1,744,584
	Total recurring assets at fair value		$	216,862,991			$	—			$	215,118,407			$	1,744,584
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
			30-Sep-12
			Estimated				Quoted prices				Quoted prices for similar assets (Level 2 inputs)				Significant unobservable inputs (Level 3 inputs)
			fair value				in active markets for identical assets (Level 1 inputs)
	Assets:
	Investment securities available for sale:
	Tax free municipals		$	11,578,501			$	—			$	11,578,501			$	—
	U.S. government sponsored entities		16,627,055				—				16,627,055				—
	Mortgage-backed securities:
	FNMA certificates		86,584,802				—				86,584,802				—
	GNMA certificates		4,945,412				—				4,945,412				—
	FHLMC certificates		46,244,446				—				46,244,446				—
	Collateralized mortgage obligations:
	FNMA		8,027,156				—				8,027,156				—
	GNMA		503,311				—				503,311				—
	FHLMC		580,089				—				580,089				—
	Private-label mortgage securities:
	Investment grade		2,356,744				—				2,356,744
	Split rating (1)		6,246,303				—				6,246,303				—
	Non-investment grade		5,685,514				—				5,685,514				—
	Total investment securities available for sale		189,379,333				—				189,379,333				—
	Assets held for sale		1,054,280				—				—				1,054,280
	Total recurring assets at fair value		$	190,433,613			$	—			$	189,379,333			$	1,054,280
	Liabilities:
	Derivative instruments-swap liability		$	12,443			$	—			$	12,443			$	—
	Total recurring liabilities at fair value		$	12,443			$	—			$	12,443			$	—
	__________________________________
	-1	Bonds with split ratings represent securities with both investment and non-investment grades.
Changes in Carrying Value of FDIC Receivable	'
	The following table documents changes in the carrying value of the FDIC receivable for loss sharing agreements relating to covered loans and other real estate owned during the years ended September 30, 2013, 2012 and 2011:
			September 30,
			2013				2012				2011
	Balance, beginning of year		$	35,135,533			$	96,777,791			$	89,824,798
	Fair value of FDIC receivable for loss sharing agreements at acquisition		—				—				51,555,999
	Payments made to (received from) FDIC		(480,550		)		(80,528,485		)		(53,615,832		)
	Accretion of fair value adjustment		675,696				1,461,779				1,035,125
	Impairment		(642,461		)		—				—
	Recovery of previous loss reimbursements		(12,847,769		)		(3,252,736		)		(3,617,003		)
	Reduction in previous loss estimates		(3,426,783		)		—				—
	Provision for estimated losses on covered assets recognized in noninterest expense		7,691,463				15,976,659				4,800,000
	External expenses qualifying under loss sharing agreements		3,836,733				4,700,525				6,794,704
	Balance, end of year		$	29,941,862			$	35,135,533			$	96,777,791
	A reconciliation of the beginning and ending balances of Level 3 assets and liabilities recorded at fair value on a recurring basis is as follows:
		Year Ended				Year Ended
		30-Sep-13				30-Sep-12
	Fair value, beginning balance	$	1,054,280			$	1,064,338
	Purchases	—				—
	Sales	—				(373,107		)
	Settlements	—				—
	Change in unrealized loss recognized in other comprehensive income	—				—
	Valuation loss recognized in noninterest expense	(467,841		)		(442,000		)
	Total realized losses included in income	—				(81,231		)
	Transfers in and/or out of level 3	1,158,145				886,280
	Fair value, ending balance	$	1,744,584			$	1,054,280
Assets and Liabilities Measured on Nonrecurring Basis	'
	Assets and liabilities measured at fair value on a nonrecurring basis are summarized below.
			Fair value measurements using:
			Fair value				Quoted prices				Quoted prices				Significant
							in active  markets for				for similar  assets				unobservable
							identical assets				(Level 2 inputs)				inputs
							(Level 1 inputs)								(Level 3 inputs)
	30-Sep-13
	Impaired loans:
	Not covered under loss share		$	3,338,298			$	—			$	—			$	3,338,298
	Other real estate owned:
	Not covered under loss share		1,615,036				—				—				1,615,036
	Covered under loss share		14,068,846				—				—				14,068,846
	30-Sep-12
	Impaired loans:
	Not covered under loss share		$	2,925,972			$	—			$	—			$	2,925,972
	Other real estate owned:
	Not covered under loss share		2,106,757				—				—				2,106,757
	Covered under loss share		21,903,204				—				—				21,903,204
Quantitative Information about Level 3 Fair Value Measurements	'
	The following table provides information describing the valuation processes used to determine recurring and nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy.
		Quantitative Information about Level 3 Fair Value Measurements
		Fair				Valuation		Unobservable Input		General Range						Average
		value				Technique				(Discount)						Discount
	Impaired loans	$	3,338,298			Property appraisals		Management discount for property type and recent market volatility		20%		—		29%		24%
	REO	$	15,683,882			Property appraisals		Management discount for property type and recent market volatility		26%		—		56%		47%

Regulatory_Matters_Tables

Regulatory Matters (Tables)	12 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Regulatory Compliance With Minimum Capital Requirements For Charter Bank	'
	The table of regulatory compliance with minimum capital requirements for CharterBank is presented below at September 30, 2013 and 2012:
		Actual				For Capital				To be Well Capitalized Under
						Adequacy Purposes				Prompt Corrective Action Provisions
		Amount		Ratio		Amount		Ratio		Amount		Ratio
		(dollars in thousands)
	30-Sep-13
	Total Risk Based Capital (to Risk-Weighted Assets)	$	209,930	33.8	%	$	49,648	8	%	$	62,060	10	%
	Tier 1 Capital (to Risk Weighted Assets)	202,119		32.6		24,824		4		37,236		6
	Tier 1 Capital (to Average Assets)	202,119		18.6		43,572		4		54,465		5
	30-Sep-12
	Total Risk Based Capital (to Risk-Weighted Assets)	$	133,626	19.2	%	$	55,610	8	%	$	69,512	10	%
	Tier 1 Capital (to Risk Weighted Assets)	124,931		18		27,805		4		41,707		6
	Tier 1 Capital (to Average Assets)	124,931		12.2		41,097		4		51,371		5

Condensed_Financial_Statements1

Condensed Financial Statements of Charter Financial Corporation (Tables)	12 Months Ended
	Sep. 30, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Balance Sheet (Parent Only)	'
		September 30,
		2013			2012
	Assets
	Cash	$	65,763,818		$	7,766,056
	Investment in subsidiary	204,604,151			130,739,990
	Deferred tax asset	5,495,885			4,576,510
	Other assets	22,319			33,464
	Total assets	$	275,886,173		$	143,116,020
	Liabilities and Stockholders’ Equity
	Liabilities
	Accrued expenses	$	2,108,337		$	595,252
	Total liabilities	2,108,337			595,252
	Stockholders’ equity:
	Common stock, $0.01 par value; issued 22,752,214 and 21,935,179 shares at September 2013 and 2012, respectively; outstanding 22,752,214 and 19,903,081 shares in 2013 and 2012, respectively	227,522			198,592
	Preferred Stock, $0.01 par value; 50,000,000 shares authorized at September 30, 2013 and 10,000,000 shares authorized at September 30, 2012	—			—
	Additional paid-in capital	171,729,570			73,483,605
	Treasury stock, at cost; 0 and 2,032,098 shares in 2013 and 2012, respectively	—			(39,362,686		)
	Unearned compensation – ESOP	(6,480,949		)	(3,571,121		)
	Retained earnings	110,141,286			111,568,998
	Accumulated other comprehensive (loss) income	(1,839,593		)	203,380
	Total stockholders’ equity	273,777,836			142,520,768
	Total liabilities and stockholders’ equity	$	275,886,173		$	143,116,020
Condensed Income Statement (Parent Only)	'
		Years Ended September 30,
		2013			2012			2011
	Income:
	Interest income	$	91,260		$	13,976		$	64,371
	Loss on other investment	—			—			—
	Other income	—			—			49,837
	Total operating income	91,260			13,976			114,208
	Expenses:
	Salaries and employee benefits	443,064			312,915			278,649
	Occupancy	33,048			38,648			27,538
	Legal and professional	279,268			375,298			295,216
	Marketing	112,146			98,597			129,538
	Other	210,318			173,305			164,557
	Total operating expenses	1,077,844			998,763			895,498
	Loss before income taxes	(986,584		)	(984,787		)	(781,290		)
	Income tax benefit	(335,867		)	(333,631		)	(267,338		)
	Loss before equity in undistributed net income of subsidiary	(650,717		)	(651,156		)	(513,952		)
	Equity in undistributed net income of subsidiary	6,907,134			5,629,848			2,819,304
	Net income	$	6,256,417		$	4,978,692		$	2,305,352
Condensed Cash Flows Statement (Parent Only)	'
		Years Ended September 30,
		2013			2012			2011
	Cash flows from operating activities:
	Net income	$	6,256,417		$	4,978,692		$	2,305,352
	Adjustments to reconcile net income to net cash provided (used in) by operating activities
	Deferred tax benefit	(919,375		)	(1,198,631		)	(1,973,499		)
	Restricted stock award expense	59,470			108,845			216,668
	Stock based compensation expense	69,581			93,876			105,091
	Equity in undistributed net income of subsidiary	(6,907,134		)	(5,629,848		)	(2,819,304		)
	Decrease (increase) in other assets	11,144			107,958			(1,206,939		)
	Increase in accrued expenses	1,673,657			294,062			1,156,864
	Net cash provided (used in) by operating activities	243,760			(1,245,046		)	(2,215,767		)
	Cash flows from investing activities:
	Capital (infusion) distribution with Bank subsidiary	(69,000,000		)	6,000,000			—
	Net cash (used in) provided by investing activities	(69,000,000		)	6,000,000			—
	Cash flows from financing activities:
	Purchase of treasury stock awards	(1,163,515		)	(3,588,013		)	—
	Dividends on restricted stock awards	25			(80		)	(610		)
	First Charter elimination	229,564			—			—
	Stock issuance	135,378,486			—			—
	Dividends paid	(7,690,558		)	(1,368,870		)	(1,939,167		)
	Net cash provided by (used in) financing activities	126,754,002			(4,956,963		)	(1,939,777		)
	Net increase (decrease) in cash	57,997,762			(202,009		)	(4,155,544		)
	Cash and cash equivalents, beginning of period	7,766,056			7,968,065			12,123,609
	Cash and cash equivalents, end of period	$	65,763,818		$	7,766,056		$	7,968,065
	Supplemental disclosures of cash flow information:
	Income taxes paid	$	105,110		$	5,000		$	1,678,641
	Issuance of ESOP common stock	160,596			158,269			151,600
	Effect of restricted stock awards	53,042			659,633			391,794
	Unrealized (loss) gain on securities available for sale, net	(2,042,973		)	2,174,838			1,526,425

Summary_of_Significant_Account3

Summary of Significant Accounting Policies - Additional Information (Details) (USD $)

0 Months Ended

12 Months Ended

12 Months Ended

0 Months Ended

Apr. 08, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Jun. 26, 2009

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Apr. 08, 2013

Apr. 08, 2013

Apr. 08, 2013

Apr. 20, 2010

segment

Minimum

EBA Bancshares, Inc. and subsidiary, Eagle Bank of Alabama (collectively EBA)

McIntosh Commercial Bank

The First National Bank of Florida

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Building and Building Improvements

Furniture and Fixtures

Furniture and Fixtures

First Charter, MHC

Public

Charter Federal

Charter Federal

Maximum

Minimum

Maximum

Summary Of Significant Accounting Policies [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Stock issued during period, shares, new issues (in shares)

14,289,429

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Share price (in usd per share)

$10

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$10

'

Gross proceeds from the offering

$142,900,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Equity method investment, ownership percentage

'

'

'

'

'

'

'

'

'

'

'

'

'

100.00%

100.00%

'

61.00%

Conversion ratio (in shares)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1.2471

'

Common stock, number of shares outstanding

22,752,214

22,752,214

19,903,081

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Net asset position assumed

'

'

'

'

'

'

'

'

'

'

'

'

'

229,564

'

'

'

Estimated useful lives of premises and equipment

'

'

'

'

'20 years

'

'

'

'

'

'39 years

'3 years

'15 years

'

'

'

'

Approximate discount rates for calculating present value of receivable from FDIC for loss sharing agreements

'

'

'

'

'

'

1.50%

2.00%

4.00%

'

'

'

'

'

'

'

'

Period between loan funding and transfer of loans to secondary investors

'

'21 days

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Useful lives of intangible asset, core deposit

'

'

'

'

'

'13 years

'5 years

'6 years

'

'

'

'

'

'

'

'

'

Number of reporting units for goodwill purposes

'

1

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Carrying value of certain long-term assets acquired in acquisition

'

'

'

'

'

'

'

'

'

1,100,000

'

'

'

'

'

'

'

Cash surrender value of bank owned life insurance

'

39,825,881

33,831,920

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Increases in cash surrender value on bank owned life insurance

'

$993,961

$1,057,397

$1,096,510

'

'

'

'

'

'

'

'

'

'

'

'

'

Summary_of_Significant_Account4

Summary of Significant Accounting Policies - Computation of Net Income Per Share (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Accounting Policies [Abstract]	'	'	'
Net income	$6,256,417	$4,978,692	$2,305,352
Denominator:	'	'	'
Weighted average common shares outstanding	20,629,531	19,501,312	19,799,405
Equivalent shares issuable upon vesting of restricted stock awards and dilutive shares	162,558	36,036	46,531
Diluted shares	20,792,089	19,537,348	19,845,936
Net income per share:	'	'	'
Basic (in usd per share)	$0.30	$0.26	$0.12
Diluted (in usd per share)	$0.30	$0.26	$0.12

Goodwill_and_Other_Intangible_2

Goodwill and Other Intangible Assets - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Goodwill and Intangible Assets Disclosure [Abstract]	'	'	'
Amortization expense related to core deposit intangible	$476,423	$547,153	$237,437

Goodwill_and_Other_Intangible_3

Goodwill and Other Intangible Assets - Summary of Intangible Assets (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Goodwill and Intangible Assets Disclosure [Abstract]	'	'
Goodwill	$4,325,282	$4,325,282
Core deposit intangible	3,369,449	3,369,449
Less accumulated amortization	2,565,563	2,089,140
Other intangible assets, net of amortization	$803,886	$1,280,309

Goodwill_and_Other_Intangible_4

Goodwill and Other Intangible Assets - Amortization Expense for Core Deposit Intangible (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Goodwill and Intangible Assets Disclosure [Abstract]	'	'
2014	$391,566	'
2015	266,181	'
2016	121,531	'
2017	24,608	'
2018	0	'
Other intangible assets, net of amortization	$803,886	$1,280,309

Federally_Assisted_Acquisition1

Federally Assisted Acquisitions - Additional Information (Details) (USD $)

12 Months Ended

0 Months Ended

0 Months Ended

12 Months Ended

0 Months Ended

12 Months Ended

0 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Mar. 26, 2010

Mar. 26, 2010

Mar. 26, 2010

Mar. 26, 2010

Mar. 26, 2010

Mar. 26, 2010

Sep. 09, 2011

Sep. 30, 2013

Sep. 09, 2011

Sep. 09, 2011

Sep. 09, 2011

Sep. 30, 2013

Jun. 26, 2009

Jun. 26, 2009

Jun. 26, 2009

Jun. 26, 2009

Jun. 26, 2009

Jun. 26, 2009

McIntosh Commercial Bank

McIntosh Commercial Bank

McIntosh Commercial Bank

McIntosh Commercial Bank

McIntosh Commercial Bank

McIntosh Commercial Bank

McIntosh Commercial Bank

The First National Bank of Florida

The First National Bank of Florida

The First National Bank of Florida

The First National Bank of Florida

The First National Bank of Florida

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

Neighborhood Community Bank (NCB)

branch

Minimum

Maximum

Residential real estate loans

Non-residential real estate loans

Discount For Assuming Liabilities

branch

Residential real estate loans

Non-residential real estate loans

Discount For Assuming Liabilities

branch

Minimum

Maximum

Residential real estate loans

Non-residential real estate loans

Discount For Assuming Liabilities

Business Acquisition [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of commercial banking branches

'

'

'

'

4

'

'

'

'

'

8

'

'

'

'

'

4

'

'

'

'

'

Assets acquired

'

'

'

'

'

'

'

'

'

$53,000,000

'

'

'

'

$28,000,000

'

'

'

'

'

'

$26,900,000

Percentage of net losses to be reimbursed by FDIC on covered assets pursuant to loss-share agreements

'

'

'

'

'

80.00%

95.00%

'

'

'

80.00%

'

'

'

'

'

'

80.00%

95.00%

'

'

'

Ending contractual balance

128,623,269

209,216,524

333,347,562

'

'

106,000,000

106,000,000

'

'

'

'

'

'

'

'

'

'

82,000,000

82,000,000

'

'

'

Coverage period for losses under loss sharing agreements

'

'

'

'

'

'

'

'10 years

'5 years

'

'

'

'10 years

'5 years

'

'

'

'

'

'10 years

'5 years

'

Coverage period for loss recoveries under loss sharing agreements

'

'

'

'

'

'

'

'

'8 years

'

'

'

'

'8 years

'

'

'

'

'

'

'8 years

'

Loans receivable covered by loss share agreements

112,915,868

176,569,131

'

'

108,252,007

'

'

'

'

'

51,555,999

'

'

'

'

'

49,991,245

'

'

'

'

'

Cumulative net losses submitted to FDIC under loss-sharing agreements

7,691,463

15,976,659

4,800,000

133,737,333

'

'

'

'

'

'

'

52,116,664

'

'

'

82,448,296

'

'

'

'

'

'

Cumulative net losses that are reimbursable

'

'

'

111,150,466

'

'

'

'

'

'

'

41,693,331

'

'

'

66,025,881

'

'

'

'

'

'

Potential true-up payment under the FDIC loss sharing agreement

'

'

'

'

'

'

'

'

'

'

59,483,125

'

'

'

'

'

'

'

'

'

'

'

Potential true-up payment as a percentage of excess according to an agreed upon formula

'

'

'

'

'

'

'

'

'

'

50.00%

'

'

'

'

'

'

'

'

'

'

'

Calculation, Total Intrinsic Loss Estimate percentage

'

'

'

'

'

'

'

'

'

'

20.00%

'

'

'

'

'

'

'

'

'

'

'

Calculation, Total Intrinsic Loss Estimate amount

'

'

'

'

'

'

'

'

'

'

11,896,625

'

'

'

'

'

'

'

'

'

'

'

Calculation, Net Loss Amount percentage

'

'

'

'

'

'

'

'

'

'

20.00%

'

'

'

'

'

'

'

'

'

'

'

Calculation, asset (discount) bid percentage

'

'

'

'

'

'

'

'

'

'

25.00%

'

'

'

'

'

'

'

'

'

'

'

Calculation, asset (discount) bid amount

'

'

'

'

'

'

'

'

'

'

-7,000,000

'

'

'

'

'

'

'

'

'

'

'

Calculation, Shared Loss Assets at Bank Closing percentage

'

'

'

'

'

'

'

'

'

'

3.50%

'

'

'

'

'

'

'

'

'

'

'

Calculation, Shared Loss Assets at Bank Closing amount

'

'

'

'

'

'

'

'

'

'

$7,380,467

'

'

'

'

'

'

'

'

'

'

'

Securities_Available_for_Sale_1

Securities Available for Sale - Summary of Amortized Cost, Gross Unrealized Gains (Losses) and Estimated Fair Value (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	$217,905,668	$189,071,181
Gross unrealized gains	1,194,696	3,720,868
Gross unrealized losses	-3,981,957	-3,412,716
Market Value	215,118,407	189,379,333
Tax-free municipals	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	14,897,685	11,555,068
Gross unrealized gains	16,733	25,004
Gross unrealized losses	-826	-1,571
Market Value	14,913,592	11,578,501
U.S. government sponsored entities	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	5,025,898	16,519,624
Gross unrealized gains	4,145	107,431
Gross unrealized losses	0	0
Market Value	5,030,043	16,627,055
Mortgage-backed securities: FNMA certificates	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	118,466,995	84,836,714
Gross unrealized gains	526,825	1,748,088
Gross unrealized losses	-2,692,511	0
Market Value	116,301,309	86,584,802
Mortgage-backed securities: GNMA certificates	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	1,727,789	4,568,181
Gross unrealized gains	117,828	377,231
Gross unrealized losses	0	0
Market Value	1,845,617	4,945,412
Mortgage-backed securities: FHLMC certificates	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	53,419,411	45,178,602
Gross unrealized gains	330,921	1,065,844
Gross unrealized losses	-584,915	0
Market Value	53,165,417	46,244,446
Collateralized mortgage-backed securities: FNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	7,189,766	'
Gross unrealized gains	66,719	'
Gross unrealized losses	0	'
Market Value	7,256,485	'
Collateralized mortgage obligations: FNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	2,207,643	7,712,770
Gross unrealized gains	66,727	314,386
Gross unrealized losses	0	0
Market Value	2,274,370	8,027,156
Collateralized mortgage obligations: GNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	'	499,503
Gross unrealized gains	'	3,960
Gross unrealized losses	'	-152
Market Value	0	503,311
Collateralized mortgage obligations: FHLMC	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	372,444	533,379
Gross unrealized gains	35,410	46,710
Gross unrealized losses	0	0
Market Value	407,854	580,089
Private-label mortgage securities: Investment grade	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	2,010,627	2,480,412
Gross unrealized gains	29,388	32,214
Gross unrealized losses	-90,020	-155,882
Market Value	1,949,995	2,356,744
Private-label mortgage securities: Split rating	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	1,292,942	6,922,884
Gross unrealized gains	0	0
Gross unrealized losses	-54,434	-676,581
Market Value	1,238,508	6,246,303
Private-label mortgage securities: Non investment grade	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized cost	11,294,468	8,264,044
Gross unrealized gains	0	0
Gross unrealized losses	-559,251	-2,578,530
Market Value	$10,735,217	$5,685,514

Securities_Available_for_Sale_2

Securities Available for Sale - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Available For Sale Securities [Line Items]	'	'	'	'
Proceeds from called or matured securities available for sale	$45,166,950	$57,210,142	$52,477,822	'
Proceeds from Sale of Available-for-sale Securities	21,057,155	41,638,363	41,338,234	'
Available-for-sale Securities, Gross Realized Gains	252,483	950,511	774,277	'
Available-for-sale Securities, Gross Realized Losses	2,966	10,745	0	'
Investment in FHLB stock	3,940,300	5,318,200	'	'
Securities available for sale, pledged to secure FHLB advances	149,225,974	127,617,291	'	'
Available-for-sale Securities, Gross Unrealized Losses	-3,981,957	-3,412,716	'	'
Available-for-sale Securities	215,118,407	189,379,333	'	'
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held	380,446	380,446	4,822,916	2,526,674
Collateralized Mortgage Obligations	'	'	'	'
Available For Sale Securities [Line Items]	'	'	'	'
Available-for-sale Securities, Gross Unrealized Losses	-700,000	'	'	'
Servicing Asset at Amortized Cost	13,700,000	'	'	'
One Security	'	'	'	'
Available For Sale Securities [Line Items]	'	'	'	'
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	0	'	'	'
Available-for-sale Securities	'	'	'	'
Available For Sale Securities [Line Items]	'	'	'	'
Proceeds from called or matured securities available for sale	$13,531,500	$6,789,350	$3,574,950	'
Investment in Federal Home Loan Bank Stock	'	'	'	'
Available For Sale Securities [Line Items]	'	'	'	'
Percent of total assets	0.36%	'	'	'

Securities_Available_for_Sale_3

Securities Available for Sale - Amortized Cost and Estimated Fair Value of Investment Securities Available for Sale (Details) (USD $)	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Less than 1 year, Amortized cost	$5,025,898
1-5 years, Amortized cost	2,172,635
Greater than 5 years, Amortized cost	12,725,051
Mortgage-backed securities, Amortized cost	197,982,084
Amortized cost	217,905,668
Less than 1 year, Estimated fair value	5,030,043
1-5 years, Estimated fair value	2,173,115
Greater than 5 years, Estimated fair value	12,740,477
Mortgage-backed securities, Estimated fair value	195,174,772
Estimated fair value	$215,118,407

Securities_Available_for_Sale_4

Securities Available for Sale - Securities Available for Sale in Continuous Unrealized Loss Position for Less Than 12 Months (Details) (USD $)	Sep. 30, 2013
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'
Amortized cost	$118,391,363
Gross unrealized losses	-3,425,320
Estimated fair value	114,966,043
Tax-free municipals	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'
Amortized cost	722,803
Gross unrealized losses	-51
Estimated fair value	722,752
Mortgage-backed securities: FHLMC certificates	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'
Amortized cost	21,328,101
Gross unrealized losses	-584,915
Estimated fair value	20,743,186
Mortgage-backed securities: FNMA certificates	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'
Amortized cost	92,575,581
Gross unrealized losses	-2,692,511
Estimated fair value	89,883,070
Private-label mortgage securities	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'
Amortized cost	3,764,878
Gross unrealized losses	-147,843
Estimated fair value	$3,617,035

Securities_Available_for_Sale_5

Securities Available for Sale - Securities Available for Sale in Continuous Unrealized Loss Position for Greater Than 12 Months (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'	'
Amortized cost	$10,225,000	$16,882,081
Gross unrealized losses	-556,637	-3,412,716
Estimated fair value	9,668,363	13,469,365
Tax-free municipals	'	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'	'
Amortized cost	253,404	262,550
Gross unrealized losses	-775	-1,571
Estimated fair value	252,629	260,979
Collateralized mortgage obligations: GNMA	'	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'	'
Amortized cost	'	133,587
Gross unrealized losses	'	-152
Estimated fair value	'	133,435
Private-label mortgage securities	'	'
Available for Sale Securities Continuous Unrealized Loss Position [Line Items]	'	'
Amortized cost	9,971,596	16,485,944
Gross unrealized losses	-555,862	-3,410,993
Estimated fair value	$9,415,734	$13,074,951

Securities_Available_for_Sale_6

Securities Available for Sale - Changes in Amount of Credit Losses on Investment Securities Recognized in Earnings (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]	'	'	'
Beginning balance of credit losses previously recognized in earnings	$380,446	$4,822,916	$2,526,674
Amount related to credit losses for securities for which an other-than-temporary impairment was not previously recognized in earnings	0	0	0
Amount related to credit losses for securities for which an other-than-temporary impairment was recognized in earnings	0	273,259	2,296,242
Reduction due to credit impaired securities sold or fully settled	0	-4,715,729	0
Ending balance of cumulative credit losses recognized in earnings	$380,446	$380,446	$4,822,916

Securities_Available_for_Sale_7

Securities Available for Sale - Non-Agency Collateralized Mortgage Obligations (Details) (USD $)

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Collateralized Mortgage Obligations

Investment Grade

Investment Grade

Investment Grade

Investment Grade

Split Rating

Split Rating

Non-Investment Grade

Non-Investment Grade

Non-Investment Grade

Non-Investment Grade

Moody

Moody

Moody

Moody

Moody

Moody

Moody

S&P

S&P

S&P

S&P

S&P

S&P

S&P

Fitch

Fitch

Fitch

Fitch

Fitch

Fitch

Fitch

GSR 2003-4F 1A2

MASTR 2003-8 4A1

SARM 2004-6 3A3

CMLTI 2004-HYB1 A31

MARM 2004-13 B1

MARM 2004-15 4A1

MARM 2004-7 5A1

Investment Grade

Investment Grade

Investment Grade

Split Rating

Non-Investment Grade

Non-Investment Grade

Non-Investment Grade

Investment Grade

Investment Grade

Investment Grade

Split Rating

Non-Investment Grade

Non-Investment Grade

Non-Investment Grade

Investment Grade

Investment Grade

Investment Grade

Split Rating

Non-Investment Grade

Non-Investment Grade

Non-Investment Grade

GSR 2003-4F 1A2

MASTR 2003-8 4A1

SARM 2004-6 3A3

CMLTI 2004-HYB1 A31

MARM 2004-13 B1

MARM 2004-15 4A1

MARM 2004-7 5A1

GSR 2003-4F 1A2

MASTR 2003-8 4A1

SARM 2004-6 3A3

CMLTI 2004-HYB1 A31

MARM 2004-13 B1

MARM 2004-15 4A1

MARM 2004-7 5A1

GSR 2003-4F 1A2

MASTR 2003-8 4A1

SARM 2004-6 3A3

CMLTI 2004-HYB1 A31

MARM 2004-13 B1

MARM 2004-15 4A1

MARM 2004-7 5A1

Investments Unrealized Gain Loss Positions [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Credit Rating

'

'

'

'

'

'

'

'

'

'

'

'

'

'n/a

'n/a

'n/a

'B1

'NR

'B3

'Ba3

'AA+

'A+

'A+

'n/a

'CCC

'n/a

'BB

'A

'AAA

'n/a

'BBB

'n/a

'CCC

'n/a

Cumulative Net Impairment Losses Recognized in Earnings

'

'

$380,000

'

'

'

'

'

'

$380,000

$380,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Current Par Value

'

'

14,982,000

2,014,000

269,000

596,000

1,149,000

1,293,000

1,293,000

11,675,000

4,514,000

2,472,000

4,689,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Amortized Cost

215,118,407

189,379,333

14,598,000

2,011,000

269,000

593,000

1,149,000

1,293,000

1,293,000

11,294,000

4,133,000

2,472,000

4,689,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Market Value

215,118,407

189,379,333

13,924,000

1,950,000

282,000

609,000

1,059,000

1,239,000

1,239,000

10,735,000

3,830,000

2,379,000

4,526,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrealized Gain (Loss)

'

'

($674,000)

($61,000)

$13,000

$16,000

($90,000)

($54,000)

($54,000)

($559,000)

($303,000)

($93,000)

($163,000)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans_Receivable_Summary_of_Lo

Loans Receivable - Summary of Loans Receivable (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	$480,152,265	$436,966,775
Unamortized loan origination fees, net	1,100,666	1,101,481
Total loans not covered, net	470,862,703	427,675,399
1-4 family residential real estate	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	124,571,147	105,514,544
Commercial real estate	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	269,609,005	251,379,010
Commercial	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	23,773,942	16,596,833
Real estate construction	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	44,653,355	45,369,190
Consumer and other	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	17,544,816	18,107,198
Non-covered loans	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	480,152,265	436,966,775
Unamortized loan origination fees, net	1,100,666	1,101,481
Allowance for loan losses	8,188,896	8,189,895
Non-covered loans | 1-4 family residential real estate	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	124,571,147	105,514,544
Non-covered loans | Commercial real estate	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	269,609,005	251,379,010
Non-covered loans | Commercial	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	23,773,942	16,596,833
Non-covered loans | Real estate construction	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	44,653,355	45,369,190
Non-covered loans | Consumer and other	'	'
Loans not covered by loss sharing agreements:	'	'
Loans receivable, net of undisbursed proceeds of loans in process	$17,544,816	$18,107,198

Loans_Receivable_Covered_Loans

Loans Receivable - Covered Loans Acquired (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	$128,623,269	$209,216,524	$333,347,562
Allowance for covered loan losses	3,924,278	10,340,815	'
Unamortized loan origination fees, net	-1,100,666	-1,101,481	'
Total loans covered, net	108,991,590	166,228,316	'
1-4 family residential real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	10,601,655	15,040,300	'
Commercial real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	107,742,602	160,160,252	'
Commercial	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	6,884,348	25,967,404	'
Real estate construction	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	0	1,881,427	'
Consumer and other	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	3,394,664	6,167,141	'
Impaired Loans at Acquisition	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	53,830,867	91,538,519	'
Allowance for covered loan losses	705,446	1,793,943	'
Total loans covered, net	41,859,921	65,590,059	'
Impaired Loans at Acquisition | 1-4 family residential real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	4,316,008	5,619,110	'
Impaired Loans at Acquisition | Commercial real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	46,170,021	71,806,980	'
Impaired Loans at Acquisition | Commercial	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	2,844,456	12,081,845	'
Impaired Loans at Acquisition | Real estate construction	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	0	1,321,752	'
Impaired Loans at Acquisition | Consumer and other	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	500,382	708,832	'
All Other Acquired Loans	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	74,792,402	117,678,005	'
Allowance for covered loan losses	3,218,832	8,546,872	'
Total loans covered, net	67,131,669	100,638,257	'
All Other Acquired Loans | 1-4 family residential real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	6,285,647	9,421,190	'
All Other Acquired Loans | Commercial real estate	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	61,572,581	88,353,272	'
All Other Acquired Loans | Commercial	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	4,039,892	13,885,559	'
All Other Acquired Loans | Real estate construction	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	0	559,675	'
All Other Acquired Loans | Consumer and other	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Loans receivable	2,894,282	5,458,309	'
Covered loans	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Non-accretable difference	10,833,262	19,382,172	'
Unamortized loan origination fees, net	22,910	32,146	'
Covered loans | Accretable discount	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Deferred fees	4,673,371	12,924,347	'
Covered loans | Discount on acquired performing loans	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Deferred fees	177,858	308,728	'
Covered loans | Impaired Loans at Acquisition	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Non-accretable difference	7,757,070	14,285,220	'
Covered loans | Impaired Loans at Acquisition | Accretable discount	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Deferred fees	3,508,430	9,869,297	'
Covered loans | All Other Acquired Loans	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Non-accretable difference	3,076,192	5,096,952	'
Unamortized loan origination fees, net	22,910	32,146	'
Covered loans | All Other Acquired Loans | Accretable discount	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Deferred fees	1,164,941	3,055,050	'
Covered loans | All Other Acquired Loans | Discount on acquired performing loans	'	'	'
Loans covered by loss sharing agreements:	'	'	'
Deferred fees	$177,858	$308,728	'

Loans_Receivable_Accretable_Di

Loans Receivable - Accretable Discount on Acquired Loans (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]	'	'
Balance, end of year	$112,915,868	$176,569,131
Covered loans	'	'
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]	'	'
Balance, beginning of year	12,924,347	21,598,532
Loan accretion	-8,792,003	-8,674,185
Transfer from nonaccretable difference	541,027	'
Balance, end of year	4,673,371	12,924,347
Covered loans | Impaired Loans at Acquisition	'	'
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]	'	'
Balance, beginning of year	9,869,297	16,893,100
Loan accretion	-6,834,946	-7,023,803
Transfer from nonaccretable difference	474,079	'
Balance, end of year	3,508,430	9,869,297
Covered loans | All Other Acquired Loans	'	'
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]	'	'
Balance, beginning of year	3,055,050	4,705,432
Loan accretion	-1,957,057	-1,650,382
Transfer from nonaccretable difference	66,948	'
Balance, end of year	$1,164,941	$3,055,050

Loans_Receivable_Allowance_for

Loans Receivable - Allowance for Loan Losses Transactions (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Provision for loan losses	$743,443	$8,202,159	$4,800,000
Charged to FDIC receivable	'	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Provision for loan losses	743,443	8,202,159	4,800,000
Charged to operations	'	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Provision for loan losses	89,444	1,201,596	1,200,000
Covered loans	'	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Balance, beginning of year	10,340,815	6,892,425	15,553,536
Loans charged-off (gross)	-7,396,953	-6,700,215	-16,103,611
Recoveries on loans previously charged-off	147,529	744,850	1,442,500
Balance, end of year	3,924,278	10,340,815	6,892,425
Covered loans | Charged to FDIC receivable	'	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Provision for loan losses	743,443	8,202,159	4,800,000
Covered loans | Charged to operations	'	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'	'
Provision for loan losses	$89,444	$1,201,596	$1,200,000

Loans_Receivable_Changes_in_Ca

Loans Receivable - Changes in Carrying Value of FDIC Receivable (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
FDIC Indemnification Asset [Roll Forward]	'	'	'
Balance, beginning of year	$35,135,533	$96,777,791	$89,824,798
Fair value of FDIC receivable for loss sharing agreements at acquisition	0	0	51,555,999
Payments made to (received from) FDIC	-480,550	-80,528,485	-53,615,832
Accretion of fair value adjustment	675,696	1,461,779	1,035,125
Impairment	-642,461	0	0
Recovery of previous loss reimbursements	-12,847,769	-3,252,736	-3,617,003
Reduction in previous loss estimates	-3,426,783	0	0
Provision for estimated losses on covered assets recognized in noninterest expense	7,691,463	15,976,659	4,800,000
External expenses qualifying under loss sharing agreements	3,836,733	4,700,525	6,794,704
Balance, end of year	$29,941,862	$35,135,533	$96,777,791

Loans_Receivable_Additional_In

Loans Receivable - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
	category
Debt Instrument [Line Items]	'	'	'
Restructured loans with a modified balance	$12,302,311	$14,420,575	'
Loss history period for estimate allowance	'2 years	'	'
Number of loss allowance categories	4	'	'
Servicing loans, aggregate principal balances	8,116,349	10,858,784	14,863,296
Performance period on TDR's that causes loans to be returned to accrual status	'6 months	'	'
Loans to certain executive officers, directors, and their associates	683,995	802,957	1,521,462
Defaulted loans	0	199,000	'
Commercial Real Estate	'	'	'
Debt Instrument [Line Items]	'	'	'
Percentage of outstanding principal of commercial real estate loans secured by owner-occupied properties	31.90%	'	'
Minimum	'	'	'
Debt Instrument [Line Items]	'	'	'
Debt service coverage ratio	1.15	'	'
Unallocated allowance percentages	4.00%	'	'
Maximum	'	'	'
Debt Instrument [Line Items]	'	'	'
Unallocated allowance percentages	12.00%	'	'
Maximum | Home Equity Line of Credit	'	'	'
Debt Instrument [Line Items]	'	'	'
Limit on home equity loans as percentage of the value of underlying property	80.00%	'	'
Commercial business loans | Maximum	'	'	'
Debt Instrument [Line Items]	'	'	'
Term of commercial business loans	'5 years	'	'
Pass | Minimum	'	'	'
Debt Instrument [Line Items]	'	'	'
FDIC loss sharing percentage	80.00%	'	'
Pass | Maximum	'	'	'
Debt Instrument [Line Items]	'	'	'
FDIC loss sharing percentage	95.00%	'	'
Performing	'	'	'
Debt Instrument [Line Items]	'	'	'
Restructured loans with a modified balance	12,302,311	14,420,575	'
Nonperforming	'	'	'
Debt Instrument [Line Items]	'	'	'
Restructured loans with a modified balance	438,789	521,604	'
Non-covered loans	'	'	'
Debt Instrument [Line Items]	'	'	'
Home equity line of credit and second mortgage loans not covered by FDIC loss sharing agreements	$12,700,000	'	'

Loans_Receivable_Nonaccrual_an

Loans Receivable - Nonaccrual and Past Due Loans (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	$2,873,942	$3,043,913
1-4 family residential real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	1,507,760	2,038,340
Commercial real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	1,120,938	771,711
Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	161,036	191,499
Real estate construction	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	'	0
Consumer and other	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans receivable	$84,208	$42,363

Loans_Receivable_Age_Analysis_

Loans Receivable - Age Analysis of Past Due Loans (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Accretion of discount	$4,851,229	$13,233,075
Total Loans	480,152,265	436,966,775
1-4 family residential real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total Loans	124,571,147	105,514,544
Commercial real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total Loans	269,609,005	251,379,010
Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total Loans	23,773,942	16,596,833
Real estate construction	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total Loans	44,653,355	45,369,190
Consumer and other	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total Loans	17,544,816	18,107,198
Non-covered loans	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	1,936,601	3,189,544
Greater than 90 Days Past Due	883,793	621,257
Total Past Due	2,820,394	3,810,801
Current	477,331,871	433,155,974
Total Loans	480,152,265	436,966,775
Loans 90 Days Accruing	47,283	401,726
Non-covered loans | 1-4 family residential real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	1,116,477	1,460,017
Greater than 90 Days Past Due	47,283	621,257
Total Past Due	1,163,760	2,081,274
Current	123,407,387	103,433,270
Total Loans	124,571,147	105,514,544
Loans 90 Days Accruing	47,283	401,726
Non-covered loans | Commercial real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	524,803	1,459,472
Greater than 90 Days Past Due	836,510	0
Total Past Due	1,361,313	1,459,472
Current	268,247,692	249,919,538
Total Loans	269,609,005	251,379,010
Loans 90 Days Accruing	0	0
Non-covered loans | Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	113,019	145,001
Greater than 90 Days Past Due	0	0
Total Past Due	113,019	145,001
Current	23,660,923	16,451,832
Total Loans	23,773,942	16,596,833
Loans 90 Days Accruing	0	0
Non-covered loans | Real estate construction	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	37,312	0
Greater than 90 Days Past Due	0	0
Total Past Due	37,312	0
Current	44,616,043	45,369,190
Total Loans	44,653,355	45,369,190
Loans 90 Days Accruing	0	0
Non-covered loans | Consumer and other	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	144,990	125,054
Greater than 90 Days Past Due	0	0
Total Past Due	144,990	125,054
Current	17,399,826	17,982,144
Total Loans	17,544,816	18,107,198
Loans 90 Days Accruing	0	0
Covered loans	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Accretion of discount	4,851,229	13,233,075
30-89 Days Past Due	3,900,027	8,253,381
Greater than 90 Days Past Due	8,573,646	24,798,708
Total Past Due	12,473,673	33,052,089
Current	101,392,056	146,441,448
Total Loans	113,865,729	179,493,537
Loans 90 Days Accruing	8,573,646	24,798,708
Covered loans | 1-4 family residential real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	414,577	734,789
Greater than 90 Days Past Due	937,974	834,569
Total Past Due	1,352,551	1,569,358
Current	7,991,686	11,460,232
Total Loans	9,344,237	13,029,590
Loans 90 Days Accruing	937,974	834,570
Covered loans | Commercial real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	2,948,186	6,546,132
Greater than 90 Days Past Due	6,926,620	20,588,187
Total Past Due	9,874,806	27,134,319
Current	87,261,044	115,540,726
Total Loans	97,135,850	142,675,045
Loans 90 Days Accruing	6,926,620	20,588,187
Covered loans | Commercial	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	534,363	917,019
Greater than 90 Days Past Due	611,305	2,984,197
Total Past Due	1,145,668	3,901,216
Current	3,950,836	13,723,435
Total Loans	5,096,504	17,624,651
Loans 90 Days Accruing	611,305	2,984,197
Covered loans | Real estate construction	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Greater than 90 Days Past Due	'	0
Total Past Due	'	0
Current	0	1,343,072
Total Loans	0	1,343,072
Loans 90 Days Accruing	'	0
Covered loans | Consumer and other	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-89 Days Past Due	2,901	55,441
Greater than 90 Days Past Due	97,747	391,755
Total Past Due	100,648	447,196
Current	2,188,490	4,373,983
Total Loans	2,289,138	4,821,179
Loans 90 Days Accruing	$97,747	$391,754

Loans_Receivable_Impaired_Loan

Loans Receivable - Impaired Loans Not Covered by Loss Sharing (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Impaired [Line Items]	'	'
Restructured loans with a modified balance	$12,302,311	$14,420,575
Recorded Investment	15,139,326	17,823,851
Unpaid Principal Balance	17,703,827	19,942,187
Average Investment in Impaired Loans	17,560,288	19,498,554
Interest Income Recognized	664,301	695,709
With No Related Allowance Recorded | 1-4 family residential real estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment	1,614,765	2,500,824
Unpaid Principal Balance	1,931,968	2,982,895
Average Investment in Impaired Loans	1,699,236	2,867,188
Interest Income Recognized	5,901	31,122
With No Related Allowance Recorded | Commercial real estate	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment	11,863,525	12,469,240
Unpaid Principal Balance	14,090,218	14,063,513
Average Investment in Impaired Loans	13,561,174	13,689,972
Interest Income Recognized	583,465	568,615
With No Related Allowance Recorded | Commercial	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment	1,661,036	2,847,862
Unpaid Principal Balance	1,681,641	2,860,935
Average Investment in Impaired Loans	2,299,878	2,908,659
Interest Income Recognized	74,935	95,676
With No Related Allowance Recorded | Real estate construction	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment	0	5,925
Unpaid Principal Balance	0	34,844
Average Investment in Impaired Loans	0	32,735
Interest Income Recognized	$0	$296

Loans_Receivable_Risk_Grades_o

Loans Receivable - Risk Grades of Loan Portfolio (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Composition of Loan Portfolio [Line Items]	'	'
Accretion of discount	$4,851,229	$13,233,075
Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	480,152,265	436,966,775
Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	444,715,458	389,314,624
Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	6,001,282	15,861,978
Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	29,434,625	31,790,173
Non-covered loans | Doubtful	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	900	'
Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	113,865,729	179,493,537
Accretion of discount	4,851,229	13,233,075
Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	55,727,445	74,525,963
Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	22,220,672	35,396,998
Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	33,664,860	63,209,120
Covered loans | Potential Loss	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,252,752	6,361,456
1-4 family residential real estate | Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	124,571,147	105,514,544
1-4 family residential real estate | Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	117,274,336	97,045,428
1-4 family residential real estate | Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,438,309	3,525,488
1-4 family residential real estate | Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	4,858,502	4,943,628
1-4 family residential real estate | Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	9,344,237	13,029,590
1-4 family residential real estate | Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	5,318,294	7,153,464
1-4 family residential real estate | Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	1,094,186	2,223,780
1-4 family residential real estate | Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,925,433	3,217,548
1-4 family residential real estate | Covered loans | Potential Loss	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	6,324	434,798
Commercial real estate | Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	269,609,005	251,379,010
Commercial real estate | Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	245,346,763	217,582,908
Commercial real estate | Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,094,817	11,396,970
Commercial real estate | Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	22,167,425	22,399,132
Commercial real estate | Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	97,135,850	142,675,045
Commercial real estate | Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	45,762,355	56,448,239
Commercial real estate | Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	20,231,874	27,564,628
Commercial real estate | Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	29,491,113	54,282,789
Commercial real estate | Covered loans | Potential Loss	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	1,650,508	4,379,389
Commercial | Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	23,773,942	16,596,833
Commercial | Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	20,708,908	13,252,993
Commercial | Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	996,970	93,033
Commercial | Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,068,064	3,250,807
Commercial | Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	5,096,504	17,624,651
Commercial | Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,988,721	6,912,992
Commercial | Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	454,554	4,040,798
Commercial | Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	1,058,143	5,127,288
Commercial | Covered loans | Potential Loss	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	595,086	1,543,573
Real estate construction | Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	44,653,355	45,369,190
Real estate construction | Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	44,628,569	44,075,754
Real estate construction | Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	0	286,505
Real estate construction | Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	24,786	1,006,931
Real estate construction | Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	'	1,343,072
Real estate construction | Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	'	0
Real estate construction | Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	'	1,343,072
Real estate construction | Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	'	0
Consumer And Other | Non-covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	17,544,816	18,107,198
Consumer And Other | Non-covered loans | Pass	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	16,756,882	17,357,541
Consumer And Other | Non-covered loans | Special Mention	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	471,186	559,982
Consumer And Other | Non-covered loans | Substandard	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	315,848	189,675
Consumer And Other | Non-covered loans | Doubtful	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	900	'
Consumer And Other | Covered loans	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	2,289,138	4,821,179
Consumer And Other | Covered loans | Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	1,658,075	4,011,268
Consumer And Other | Covered loans | Greater Than Normal Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	440,058	224,720
Consumer And Other | Covered loans | Excessive Credit Risk	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	190,171	581,495
Consumer And Other | Covered loans | Potential Loss	'	'
Composition of Loan Portfolio [Line Items]	'	'
Loan receivable	$834	$3,696

Loans_Receivable_Allowance_for1

Loans Receivable - Allowance for Loan Losses on Loans Not Covered (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Allowance for loan losses:	'	'	'
Provision for covered loan losses reimbursed by the FDIC	$743,443	$8,202,159	$4,800,000
Loans:	'	'	'
Ending balance	480,152,265	436,966,775	'
Ending balance: individually evaluated for impairment	15,139,326	17,823,851	'
Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	8,189,895	9,369,837	9,797,095
Charge-offs	-1,601,371	-4,530,784	-2,248,523
Recoveries	200,372	50,842	121,265
Provision for covered loan losses reimbursed by the FDIC	1,400,000	3,300,000	1,700,000
Ending balance	8,188,896	8,189,895	9,369,837
Ending balance: individually evaluated for impairment	'	'	1,229,613
Loans:	'	'	'
Ending balance	480,152,265	436,966,775	430,359,086
Ending balance: individually evaluated for impairment	15,139,326	17,823,851	20,149,236
1-4 family residential real estate | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	879,854	633,364	1,023,078
Charge-offs	-224,676	-1,180,899	-600,210
Recoveries	58,784	3,881	63,310
Provision for covered loan losses reimbursed by the FDIC	148,081	1,423,508	147,186
Ending balance	862,043	879,854	633,364
Loans:	'	'	'
Ending balance	124,571,147	105,514,544	98,844,828
Ending balance: individually evaluated for impairment	1,614,765	2,500,824	5,854,706
Commercial Real Estate | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	5,480,132	5,972,310	6,103,391
Charge-offs	-1,121,815	-2,824,917	-957,064
Recoveries	92,769	359	0
Provision for covered loan losses reimbursed by the FDIC	995,271	2,332,380	825,983
Ending balance	5,446,357	5,480,132	5,972,310
Ending balance: individually evaluated for impairment	'	'	1,162,795
Loans:	'	'	'
Ending balance	269,609,005	251,379,010	252,037,202
Ending balance: individually evaluated for impairment	11,863,525	12,469,240	10,226,833
Commercial | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	711,594	821,830	623,479
Charge-offs	-164,923	-408,314	-517,435
Recoveries	39,600	41,473	36,756
Provision for covered loan losses reimbursed by the FDIC	-130,438	256,605	679,030
Ending balance	455,833	711,594	821,830
Ending balance: individually evaluated for impairment	'	'	66,818
Loans:	'	'	'
Ending balance	23,773,942	16,596,833	17,612,661
Ending balance: individually evaluated for impairment	1,661,036	2,847,862	2,490,107
Real estate construction | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	287,129	1,065,512	1,236,169
Charge-offs	0	-28,919	-21,822
Recoveries	6,875	0	159
Provision for covered loan losses reimbursed by the FDIC	93,298	-749,464	-148,994
Ending balance	387,302	287,129	1,065,512
Loans:	'	'	'
Ending balance	44,653,355	45,369,190	41,726,520
Ending balance: individually evaluated for impairment	0	5,925	1,577,590
Consumer And Other | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	79,627	48,276	79,149
Charge-offs	-89,957	-87,735	-151,992
Recoveries	2,344	5,129	21,040
Provision for covered loan losses reimbursed by the FDIC	132,703	113,957	100,079
Ending balance	124,717	79,627	48,276
Loans:	'	'	'
Ending balance	17,544,816	18,107,198	20,137,875
Unallocated | Non-covered loans	'	'	'
Allowance for loan losses:	'	'	'
Beginning balance	751,559	828,545	731,829
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for covered loan losses reimbursed by the FDIC	161,085	-76,986	96,716
Ending balance	$912,644	$751,559	$828,545

Loans_Receivable_Allowance_for2

Loans Receivable - Allowance for Loan Losses on Covered Loans (Details) (USD $)

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Covered loans

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Charged to operations

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

1-4 family residential real estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial real estate

Commercial real estate

Commercial real estate

Commercial real estate

Commercial real estate

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Commercial

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Real estate construction

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Consumer And Other

Covered loans

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Charged to operations

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Covered loans

Charged to FDIC receivable

Charged to operations

Covered loans

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Charged to operations

Covered loans

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Charged to operations

Covered loans

Covered loans

Covered loans

Charged to FDIC receivable

Charged to FDIC receivable

Charged to FDIC receivable

Charged to operations

Charged to operations

Charged to operations

Non-accretable differences:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Balance at beginning of year

$29,722,987

$76,037,712

$68,414,115

'

'

'

'

'

'

'

'

'

$1,257,419

$2,010,709

$3,429,923

$1,856,851

'

'

'

'

'

'

'

'

'

$17,485,206

$61,165,928

$39,160,920

'

'

'

'

'

'

$10,606,752

$17,485,206

'

'

'

$1,787,844

$8,342,754

$7,706,431

$23,266,859

'

'

'

'

'

'

'

'

'

$0

$538,355

$2,970,506

$2,497,018

'

'

'

'

'

'

'

'

'

$1,105,525

$1,345,963

$764,924

$1,632,467

'

'

'

'

'

'

'

'

'

Charge-offs

'

'

'

-12,553,757

-60,274,445

-49,716,253

'

'

'

'

'

'

'

'

'

'

-745,066

-1,515,979

-53,748

'

'

'

'

'

'

'

'

'

-49,170,125

-24,943,324

'

'

'

'

'

'

-7,892,019

'

'

'

'

'

'

-3,495,072

-6,664,343

-20,020,399

'

'

'

'

'

'

'

'

'

'

-108,484

-2,533,954

-2,811,511

'

'

'

'

'

'

'

'

'

'

-313,116

-390,044

-1,887,271

'

'

'

'

'

'

Recoveries

'

'

'

723,233

4,555,965

4,738,851

'

'

'

'

'

'

'

'

'

'

12,491

7,665

67,943

'

'

'

'

'

'

'

'

'

394,841

1,220,753

'

'

'

'

'

'

579,021

'

'

'

'

'

'

129,368

4,150,489

3,334,031

'

'

'

'

'

'

'

'

'

'

1,000

'

74,875

'

'

'

'

'

'

'

'

'

'

1,353

2,970

41,249

'

'

'

'

'

'

Acquisition

'

'

'

'

'

46,600,999

'

'

'

'

'

'

'

'

'

'

'

'

1,310,279

'

'

'

'

'

'

'

'

'

'

41,265,945

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1,060,365

'

'

'

'

'

'

'

'

'

'

'

'

2,962,061

'

'

'

'

'

'

'

'

'

'

'

'

2,349

'

'

'

'

'

'

Reduction in previous loss estimates credited to FDIC receivable

'

'

'

-3,426,783

'

'

'

'

'

'

'

'

'

'

'

'

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

-22,951

'

'

'

'

'

'

-3,006,250

'

'

'

'

'

'

'

'

'

'

'

'

-345,126

'

'

'

'

'

'

'

'

'

'

'

'

-52,456

'

'

'

'

'

'

'

'

Transfer to accretable discount

'

'

'

-541,027

'

'

'

'

'

'

'

'

'

'

'

'

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

-1,208

'

'

'

'

'

'

-450,406

'

'

'

'

'

'

'

'

'

'

'

'

-86,281

'

'

'

'

'

'

'

'

'

'

'

'

-3,132

'

'

'

'

'

'

'

'

Provision for covered loan losses reimbursed by the FDIC

743,443

8,202,159

4,800,000

'

'

'

743,443

8,202,159

4,800,000

89,444

1,201,596

1,200,000

'

'

'

'

'

'

'

18,424

85,717

198,879

-39,139

3,383

49,719

'

'

'

'

'

4,165,963

3,569,308

928,599

892,326

'

'

'

493,706

-35,003

'

'

'

'

'

'

'

99,108

2,907,496

52,460

168,342

242,681

13,115

'

'

'

'

'

'

'

0

96,225

198,449

536

5,578

49,614

'

'

'

'

'

'

'

132,205

946,758

780,904

-5,292

21,355

195,226

Ending balance

14,757,540

29,722,987

76,037,712

'

'

'

'

'

'

'

'

'

1,257,419

2,010,709

3,429,923

1,856,851

'

'

'

'

'

'

'

'

'

17,485,206

61,165,928

39,160,920

'

'

'

'

'

'

10,606,752

17,485,206

'

'

'

1,787,844

8,342,754

7,706,431

23,266,859

'

'

'

'

'

'

'

'

'

0

538,355

2,970,506

2,497,018

'

'

'

'

'

'

'

'

'

1,105,525

1,345,963

764,924

1,632,467

'

'

'

'

'

'

'

'

'

Covered loans:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Ending contractual balance

$128,623,269

$209,216,524

$333,347,562

'

'

'

'

'

'

'

'

'

$10,601,655

$15,040,300

$19,923,962

'

'

'

'

'

'

'

'

'

'

$160,160,252

$263,261,697

'

'

'

'

'

'

'

$107,742,602

'

'

'

'

$6,884,348

$25,967,404

$32,741,770

'

'

'

'

'

'

'

'

'

'

$0

$1,881,427

$8,838,691

'

'

'

'

'

'

'

'

'

'

$3,394,664

$6,167,141

$8,581,442

'

'

'

'

'

'

'

'

'

'

Loans_Receivable_Summary_of_Ac

Loans Receivable - Summary of Activity with Respect to Aggregate Loans to Executive Officers, Directors, and Their Associates, and Affiliated Companies (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Receivables [Abstract]	'	'
Beginning balance	$802,957	$1,521,462
Additions to new officer loans	0	0
Repayments	-118,962	-718,505
Ending balance	$683,995	$802,957

Loans_Receivable_Troubled_Debt

Loans Receivable - Troubled Debt Restructurings (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
	loan	loan
Accruing Loans	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	'	13
Pre-Modification Outstanding Recorded Investment	'	$7,605,846
Post-Modification Outstanding Recorded Investment	'	7,521,459
Accruing Loans | Below Market Interest Rate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	'	11
Pre-Modification Outstanding Recorded Investment	'	7,511,054
Post-Modification Outstanding Recorded Investment	'	7,426,667
Accruing Loans | Below Market Interest Rate | Commercial real estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	'	10
Pre-Modification Outstanding Recorded Investment	'	4,854,691
Post-Modification Outstanding Recorded Investment	'	4,802,649
Accruing Loans | Below Market Interest Rate | Commercial	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	'	1
Pre-Modification Outstanding Recorded Investment	'	2,656,363
Post-Modification Outstanding Recorded Investment	'	2,624,018
Accruing Loans | Payment Structure Modification	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	1	2
Pre-Modification Outstanding Recorded Investment	315,308	94,792
Post-Modification Outstanding Recorded Investment	251,970	94,792
Accruing Loans | Payment Structure Modification | Commercial real estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	1	2
Pre-Modification Outstanding Recorded Investment	315,308	94,792
Post-Modification Outstanding Recorded Investment	251,970	94,792
Non Accrual Loans	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	'	1
Pre-Modification Outstanding Recorded Investment	'	131,841
Post-Modification Outstanding Recorded Investment	'	131,022
Non Accrual Loans | Payment Structure Modification	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	1	1
Pre-Modification Outstanding Recorded Investment	80,462	131,841
Post-Modification Outstanding Recorded Investment	41,080	131,022
Non Accrual Loans | Payment Structure Modification | Commercial real estate	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	1	1
Pre-Modification Outstanding Recorded Investment	80,462	131,841
Post-Modification Outstanding Recorded Investment	$41,080	$131,022

Derivative_Instruments_and_Hed1

Derivative Instruments and Hedging Activities - Additional Information (Details) (USD $)	3 Months Ended
	Sep. 30, 2013
Derivative Instruments and Hedging Activities Disclosure [Abstract]	'
Total interest rate swaps	$4,400,000
Gain realized on the termination an interest rate contract	$189,054

Accrued_Interest_and_Dividends2

Accrued Interest and Dividends Receivable (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Schedule of Other Assets [Line Items]	'	'
Accrued interest and dividends receivable	$2,728,902	$3,241,320
Loans receivable	'	'
Schedule of Other Assets [Line Items]	'	'
Accrued interest and dividends receivable	2,086,658	2,520,272
Mortgage-backed securities and collateralized mortgage obligations	'	'
Schedule of Other Assets [Line Items]	'	'
Accrued interest and dividends receivable	453,319	462,466
Other investment securities	'	'
Schedule of Other Assets [Line Items]	'	'
Accrued interest and dividends receivable	$188,925	$258,582

Real_Estate_Owned_NonCovered_R

Real Estate Owned - Non-Covered Real Estate Owned (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Other Real Estate, Non Covered [Roll Forward]	'	'	'
Balance, beginning of year	$2,106,757	$4,093,214	$9,641,425
Real estate acquired through foreclosure of loans receivable	1,540,046	2,577,269	3,760,607
Real estate sold	-1,542,186	-3,453,111	-8,203,154
Write down of real estate owned	-611,054	-612,541	-774,616
Gain (loss) on sale of real estate owned	121,473	-24,074	-44,894
Real estate transferred to premises and equipment	0	-474,000	-286,154
Balance, end of year	$1,615,036	$2,106,757	$4,093,214

Real_Estate_Owned_Covered_Real

Real Estate Owned - Covered Real Estate Owned (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Other Real Estate, Covered [Roll Forward]	'	'	'
Balance, beginning of year	$21,903,204	$24,671,626	$29,626,581
Real estate sold	-20,260,362	-16,911,373	-23,581,114
Provision for losses on real estate owned recognized in noninterest expense	-1,072,288	-685,500	0
Increase of FDIC receivable for loss sharing agreements	-6,948,020	-7,774,500	0
Balance, end of year	14,068,846	21,903,204	24,671,626
Subject to FDIC loss sharing agreement	'	'	'
Other Real Estate, Covered [Roll Forward]	'	'	'
Real estate acquired	0	0	7,556,102
Acquired through foreclosure of loans receivable	'	'	'
Other Real Estate, Covered [Roll Forward]	'	'	'
Real estate acquired	15,771,880	22,602,951	11,070,057
Recognized in noninterest expense	'	'	'
Other Real Estate, Covered [Roll Forward]	'	'	'
Gain on real estate sold	460,189	0	0
Payable to FDIC	'	'	'
Other Real Estate, Covered [Roll Forward]	'	'	'
Gain on real estate sold	$4,214,243	$0	$0

Premises_and_Equipment_Summary

Premises and Equipment - Summary of Premises and Equipment (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Property, Plant and Equipment [Abstract]	'	'
Land	$5,764,540	$6,882,381
Buildings and improvements	18,233,675	18,564,624
Furniture, fixtures, and equipment	6,344,116	6,470,985
Construction in progress	0	90,248
Premises and equipment, gross	30,342,331	32,008,238
Less accumulated depreciation	8,591,575	8,397,596
Premises and equipment, net	$21,750,756	$23,610,642

Premises_and_Equipment_Additio

Premises and Equipment - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Property, Plant and Equipment [Abstract]	'	'	'
Depreciation expense for premises and equipment	$1,095,575	$1,235,436	$1,096,342
Assets transferred from premises and equipment to assets available for sale	1,514,108	'	'
Accumulated depreciation transferred from premises and equipment to assets available for sale	$355,962	'	'

Deposits_Summary_of_Deposits_D

Deposits - Summary of Deposits (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Deposit, Amount	'	'
Demand, NOW, and money market accounts	$427,102,317	$405,100,488
Savings deposits	48,323,722	51,191,715
Time deposits $100,000 and over	138,519,823	177,919,765
12 months or less	89,763,175	113,512,566
13-36 months	36,838,249	40,164,500
37 months or more	10,749,382	12,372,512
Total deposits	751,296,668	800,261,546
Accrued interest payable	31,287	117,630
Deposit Liabilities And Accrued Interest Payable, Total	$751,327,955	$800,379,176
Weighted average interest rates	'	'
Demand, NOW, and money market accounts	0.15%	0.22%
Savings deposits	0.04%	0.05%
Time deposits $100,000 and over	1.33%	1.41%
12 months or less	0.45%	0.65%
13-36 months	1.78%	1.72%
37 months or more	1.15%	1.67%
Total deposits	0.47%	0.62%
Minimum	'	'
Range of interest rates	'	'
Demand, NOW, and money market accounts	0.00%	0.00%
Savings deposits	0.04%	0.05%
Time deposits $100,000 and over	0.00%	0.00%
12 months or less	0.03%	0.03%
13-36 months	0.20%	0.05%
37 months or more	0.15%	0.15%
Maximum	'	'
Range of interest rates	'	'
Demand, NOW, and money market accounts	1.49%	1.49%
Savings deposits	0.04%	0.05%
Time deposits $100,000 and over	4.35%	4.35%
12 months or less	4.35%	5.40%
13-36 months	3.70%	4.35%
37 months or more	1.63%	2.58%

Deposits_Additional_Informatio

Deposits - Additional Information (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Deposit Liabilities [Line Items]	'	'
Deposits	$751,296,668	$800,261,546
Broker	'	'
Deposit Liabilities [Line Items]	'	'
Deposits	5,000,000	10,200,000
Credit Union	'	'
Deposit Liabilities [Line Items]	'	'
Deposits	400,000	10,700,000
Officers, directors, and associates	'	'
Deposit Liabilities [Line Items]	'	'
Deposits	$2,900,000	$3,900,000

Deposits_Scheduled_Maturities_

Deposits - Scheduled Maturities of Time Deposits (Details) (USD $)	Sep. 30, 2013
Banking and Thrift [Abstract]	'
2014	$167,649,399
2015	66,477,430
2016	18,428,572
2017	12,740,678
2018 and thereafter	10,574,550
Time Deposits, Total	$275,870,629

Deposits_Interest_Expense_on_D

Deposits - Interest Expense on Deposits (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Banking and Thrift [Abstract]	'	'	'
Demand, NOW, and money market accounts	$693,756	$1,035,681	$1,691,458
Savings deposits	23,300	104,043	37,212
Time deposits	3,525,792	5,454,537	7,666,875
Deposits	$4,242,848	$6,594,261	$9,395,545

Borrowings_Summary_Details

Borrowings - Summary (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Debt Disclosure [Abstract]	'	'
Federal Home Loan Bank advances	$60,000,000	$81,000,000
Total Borrowings	$60,000,000	$81,000,000

Borrowings_FHLB_Advances_Summa

Borrowings - FHLB Advances Summarized by Year of Maturity (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Amount	'	'
Less than one year	$5,000,000	$21,000,000
One to two years	5,000,000	5,000,000
Two to three years	25,000,000	5,000,000
Three to four years	0	25,000,000
Four to five years	0	0
Thereafter	25,000,000	25,000,000
Federal Home Loan Bank advances	$60,000,000	$81,000,000
Weighted average interest rates	'	'
Less than one year	3.80%	3.49%
One to two years	3.99%	3.80%
Two to three years	4.33%	3.99%
Three to four years	0.00%	4.33%
Four to five years	0.00%	0.00%
Thereafter	4.30%	4.30%
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Weighted Average Interest Rate	4.24%	4.05%
Less than one year	'	'
Range of interest rates	'	'
Range of interest rates	3.80%	'
Range of interest rates, minimum	'	0.36%
Range of interest rates, maximum	'	3.88%
One to two years	'	'
Range of interest rates	'	'
Range of interest rates	3.99%	3.80%
Two to three years	'	'
Range of interest rates	'	'
Range of interest rates	4.33%	3.99%
Three to four years	'	'
Range of interest rates	'	'
Range of interest rates	0.00%	4.33%
Four to five years	'	'
Range of interest rates	'	'
Range of interest rates	0.00%	0.00%
Thereafter	'	'
Range of interest rates	'	'
Range of interest rates	4.30%	4.30%

Borrowings_Additional_Informat

Borrowings - Additional Information (Details) (USD $)

12 Months Ended

12 Months Ended

1 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Oct. 31, 2012

Callable

First Mortgage

Commercial Loan

Total assets

Collateralized Debt Obligations

Federal Home Loan Bank Of Atlanta

Maturing March 2013

Maturing September 2013

FHLB advances

FHLB advances

Overnight advance

Debt Instrument [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Payment of FHLB advances

$21,000,000

$30,000,000

$102,809,558

'

'

'

'

'

'

$10,000,000

$10,000,000

$20,000,000

$30,000,000

$1,000,000

Loans pledged, under a blanket floating collateral lien with FHLB

'

'

'

'

67,402,195

52,637,980

'

'

'

'

'

'

'

'

Securities available for sale, pledged to secure FHLB advances

149,225,974

127,617,291

'

'

'

'

'

'

'

'

'

'

'

'

FHLB advances

'

'

'

25,000,000

'

'

'

'

'

'

'

'

'

'

Line of credit commitments with FHLB

337,280,000

'

'

'

'

'

'

'

'

'

'

'

'

'

Line of credit commitments with FHLB, advanced

60,000,000

81,000,000

'

'

'

'

'

'

'

'

'

'

'

'

Line of credit commitments with FHLB, available

'

'

'

'

'

'

$277,280,000

$182,281,862

$53,320,136

'

'

'

'

'

Borrowings_Interest_Expense_on

Borrowings - Interest Expense on Borrowings (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Debt Disclosure [Abstract]	'	'	'
Securities sold under agreements to repurchase	$0	$0	$536
Federal Home Loan Bank advances	3,118,271	3,994,754	5,831,456
Borrowings	$3,118,271	$3,994,754	$5,831,992

Income_Taxes_Income_Tax_Expens

Income Taxes - Income Tax Expense (Benefit) (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Federal	'	'	'
Current	$6,045,389	$3,057,729	$2,518,411
Deferred	-3,270,355	-2,247,339	-1,767,062
Total federal tax expense	2,775,034	810,390	751,349
State	'	'	'
Current	438,345	320,035	149,480
Deferred	-344,879	-491,375	-206,437
Total state tax expense	93,466	-171,340	-56,957
Income tax expense	$2,868,500	$639,050	$694,392

Income_Taxes_Additional_Inform

Income Taxes - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Income Tax Disclosure [Abstract]	'	'	'	'
Effective tax rate	31.44%	11.38%	23.15%	'
Unrecognized tax benefits	$0	$0	$1,010,000	$1,010,000

Income_Taxes_Computation_of_Di

Income Taxes - Computation of Difference Between Actual Total Provision for Federal and State Income Taxes and Federal Income Taxes (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Income Tax Disclosure [Abstract]	'	'	'
Statutory rate	35.00%	35.00%	35.00%
Computed "expected" tax expense	$3,193,721	$1,966,210	$1,049,910
Increase (decrease) in tax expense resulting from:	'	'	'
State income taxes, net of federal tax effect	60,753	-111,371	-37,022
Tax-exempt income	-367,327	-437,006	-383,779
Market value depreciation of ESOP shares	33,952	-2,816	0
Management retirement plan	-12,884	51,224	0
Release of uncertain tax position reserve	0	-1,010,000	0
Other, net	-39,715	182,809	65,283
Income tax expense	$2,868,500	$639,050	$694,392

Income_Taxes_Significant_Porti

Income Taxes - Significant Portions of Deferred Tax Assets and Deferred Tax Liabilities (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Deferred tax assets:	'	'
Allowance for loan losses	$3,184,149	$3,192,375
Deferred compensation	1,463,689	987,061
Stock compensation expense	818,224	810,415
Real estate acquired through foreclosure	43,135	736,677
State credits	31,188	261,718
Investment securities market adjustment for tax reporting	72,495	133,964
FDIC transactions	5,367,806	455,005
Other than temporary impairment	1,195,029	1,432,675
Net unrealized holding losses on securities available for sale	947,669	0
Other	1,410,693	1,115,169
Total gross deferred tax assets	14,534,077	9,125,059
Deferred tax liabilities:	'	'
Deferred loans cost, net	576,084	381,048
Depreciation	2,448,577	2,226,714
Net unrealized holding losses on securities available for sale	0	104,772
Other	158,671	236,326
Total gross deferred tax liabilities	3,183,332	2,948,860
Net deferred tax assets	$11,350,745	$6,176,199

Income_Taxes_Reconciliation_of

Income Taxes - Reconciliation of Unrecognized Tax Benefit (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Income Tax Disclosure [Abstract]	'	'	'
Balance at beginning of the year	$0	$1,010,000	$1,010,000
Additions based on tax positions related to the current year	0	0	0
Unrecognized Tax Benefits Increase Decreases Resulting From Prior Period Tax Positions	0	0	0
Reductions as a result of statutes of limitations expiring	0	-1,010,000	0
Balance at end of the year	$0	$0	$1,010,000

Employee_Benefits_Additional_I

Employee Benefits - Additional Information (Details) (USD $)

12 Months Ended

12 Months Ended

1 Months Ended

12 Months Ended

1 Months Ended

3 Months Ended

12 Months Ended

12 Months Ended

3 Months Ended

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Apr. 08, 2013

Apr. 08, 2013

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Jun. 30, 2012

Jun. 30, 2012

Jun. 30, 2012

Jun. 30, 2012

Jun. 30, 2012

Dec. 13, 2013

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2010

Sep. 30, 2012

Sep. 30, 2012

Sep. 30, 2011

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2011

Dec. 13, 2013

plan

plan

Chairman of the Board

All grants prior to October 1, 2005

Grants between October 1, 2005 and January 1, 2009

Prior to stock conversion

After stock conversion

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Supplemental Executive Retirement Plan

Benefit Restoration Plan and Prior Supplemental Retirement Plan

Stock Options

Stock Options

Stock Options

Stock Options

Stock Options

13,000 Options

4,000 Options

55,000 Options

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock Awards or Restricted Stock Units

plan

Executives

Salary target percentage - 50%

Salary target percentage - 30%

Salary target percentage - 10%

executive

Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Expense related to incentive plans

$1,505,329

$1,860,695

$503,545

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$69,581

$93,877

$105,091

'

'

'

'

$59,470

$108,845

$216,668

'

Percentage of market value of the common stock on the date of the grant

100.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Options, exercise period from grant date

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'120 months

'120 months

'90 months

'

'

'

'

Number of authorized shares for the plan

882,875.72

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

14,965

'

'

'

Shares issued upon the exercise of option granted (in shares)

68,154

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Options granted and outstanding (in shares)

660,059

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

660,059

697,160

704,955

639,481.70

'

'

'

'

'

'

'

Remaining shares available to be granted (in shares)

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of options granted (in shares)

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

21,200.70

68,590.50

'

'

'

'

'

'

'

'

Number of shares available for issuance under the new stock-based compensation plan put up for a vote by shareholders

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1,428,943

'

'

'

'

'

'

'

'

'

'

571,577

Options granted during the period (in shares)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

13,000

4,000

55,000

'

'

'

'

Intrinsic value of options outstanding

1,549,551

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Options exercisable (in shares)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1,600

0

6,859.05

'

'

'

'

'

'

'

'

Intrinsic value of options exercisable

5,230

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of stock options vested

1,600

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized stock option expense

133,670

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized stock option expense, period of recognition

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'2 years

'

'

'

'

'

'

'

'

'

'

Number of executive covered by the supplemental retirement plan

'

'

'

'

'

'

'

'

'

'

'

'

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Retirement benefit benefit restoration plan as a percentage of final base salary

'

'

'

'

'

'

'

'

'

'

'

'

'

50.00%

30.00%

10.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of retirement plans

4

3

'

'

'

'

'

'

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Benefit plan, benefit payment period

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'15 years

'

'

'

'

'

'

'

'

'

'

'

'

Period for which the new Supplemental Retirement Plan provides benefits at the same level as the previous plan

'

'

'

'

'

'

'

'

'15 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Benefit plan, accrued liability

2,685,992

'

'

1,207,481

'

'

'

'

'

'

1,326,929

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Benefit plan, period expense

'

'

'

'

'

'

'

'

'

178,031

123,288

150,820

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Retirement age subject to a service requirement

'

'

'

'

'55 years

'55 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Service period required for vesting of shares under the executive retirement plans

'

'

'

'

'10 years

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

ESOP trust borrowing

3,171,580

'

2,334,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Shares for allocation under the ESOP (in shares)

317,158

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Additional shares purchased by ESOP in incremental stock offering

'

'

300,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

ESOP loan amount

'

'

'

'

'

'

2,857,780

6,480,949

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Expense related to ESOP

495,905

311,866

144,151

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

ESOP shares, allocated

'

21,006

21,146

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

ESOP shares committed to be allocated

50,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

ESOP shares, unallocated shares

779,190

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Market value of unallocated shares

$8,415,252

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Employee_Benefits_Fair_Value_o

Employee Benefits - Fair Value of Options Assumptions (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2012	Sep. 30, 2011
		13,000 Options	4,000 Options	55,000 Options
Net Periodic Benefit Cost Assumptions [Line Items]	'	'	'	'
Risk-free interest rate	'	1.80%	1.80%	3.21%
Dividend yield	'	2.00%	2.20%	2.50%
Expected life at date of grant	'10 years	'120 months	'120 months	'90 months
Volatility	'	19.56%	19.56%	17.78%
Weighted average grant-date fair value	'	$1.73	$1.38	$1.27

Employee_Benefits_Stock_Option

Employee Benefits - Stock Option Activity (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Shares	'	'	'	'
Options exercised (in shares)	68,154	'	'	'
Options granted (in shares)	0	'	'	'
Options outstanding- end of year (in shares)	660,059	'	'	'
Weighted average exercise price/share	'	'	'	'
Options granted - weighted average exercise price per share (in usd per share)	$0	'	$7.22	'
Stock Options	'	'	'	'
Shares	'	'	'	'
Options outstanding- beginning of year (in shares)	697,160	704,955	639,481.70	'
Options forfeited (in shares)	-37,101	-28,996.08	-3,117.75	'
Options granted (in shares)	0	21,200.70	68,590.50	'
Options outstanding- end of year (in shares)	660,059	697,160	704,955	639,481.70
Options exercisable at end of year (in shares)	1,600	0	6,859.05	'
Weighted average exercise price/share	'	'	'	'
Options outstanding- beginning of year - weighted average exercise price per share (in usd per share)	$8.45	$8.63	$8.81	'
Options forfeited - weighted average exercise price per share (in usd per share)	$8.55	$12.12	$26.45	'
Options granted - weighted average exercise price per share (in usd per share)	'	$7.44	'	'
Options outstanding- end of year - weighted average exercise price per share (in usd per share)	$8.44	$8.45	$8.63	$8.81
Options exercisable at end of year - weighted average exercise price per share (in usd per share)	$10.20	$0	$23.59	'
Weighted average remaining life (years)	'	'	'	'
Options outstanding- beginning of year - weighted average remaining life	'6 years	'8 years	'8 years	'9 years
Options forfeited - weighted average remaining life	'6 years	'7 years	'3 years	'
Options granted - weighted average remaining life	'	'9 years	'9 years	'
Options outstanding- end of year - weighted average remaining life	'6 years	'8 years	'8 years	'9 years
Options exercisable at end of year - weighted average remaining life	'	'	'4 years	'

Employee_Benefits_Stock_Option1

Employee Benefits - Stock Options Outstanding (Details) (USD $)	12 Months Ended
	Sep. 30, 2013
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	660,059
$8.82	'
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	397,545
Remaining contractual life in years	'5 years
Exercise price per share	$8.82
$8.18	'
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	174,594
Remaining contractual life in years	'7 years
Exercise price per share	$8.18
$7.22	'
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	66,720
Remaining contractual life in years	'7 years
Exercise price per share	$7.22
$7.34	'
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	16,212.30
Remaining contractual life in years	'8 years
Exercise price per share	$7.34
$7.79	'
Employee Benefit Plan [Line Items]	'
Number outstanding at September 30, 2013 (in shares)	4,988.40
Remaining contractual life in years	'8 years
Exercise price per share	$7.79

Employee_Benefits_Stock_Activi

Employee Benefits - Stock Activity (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Defined Benefit Plan Disclosure [Line Items]	'	'	'
Expensed for year	$1,505,329	$1,860,695	$503,545
Restricted Stock	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'
Expensed for year	$59,470	$108,845	$216,668

Employee_Benefits_Restricted_S

Employee Benefits - Restricted Stock Award (Details) (Restricted Stock, USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Restricted Stock	'	'	'
Shares	'	'	'
Unvested Restricted stock awards- beginning of year (in shares)	29,794	43,752	64,317.94
Vested (in shares)	14,829	13,957.54	19,318.83
Cancelled or expired (in shares)	'	'	1,247.10
Unvested Restricted stock awards- end of year (in shares)	14,965	29,794	43,752
Weighted average grant date fair value per award	'	'	'
Unvested Restricted stock awards- beginning of year - weighted average grant date fair value per award	$12.45	$16.71	$18.23
Vested - weighted average grant date fair value per award	$16.77	$25.78	$20.28
Cancelled or expired - weighted average grant date fair value per award	'	'	$40.09
Unvested Restricted stock awards- end of year - weighted average grant date fair value per award	$8.18	$12.45	$16.71

Commitments_and_Contingent_Lia2

Commitments and Contingent Liabilities - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Commitments and Contingencies Disclosure [Abstract]	'	'	'
Adjustable rate mortgage loans with interest rate caps and floors	$65,188,406	$58,223,438	'
Rent expense	$706,616	$1,039,369	$892,227

Commitments_and_Contingent_Lia3

Commitments and Contingent Liabilities - Financial Instruments with Off-balance-sheet Risk (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	$83,851,934	$56,485,854
Mortgage Loans	'	'
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	2,051,634	1,001,524
Non-Mortgage Loans	'	'
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	20,908,925	6,969,900
Open-End Consumer Loans	'	'
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	9,354,703	10,489,768
Open-End Commercial Loans	'	'
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	2,188,738	2,145,762
Construction Loans	'	'
Loss Contingencies [Line Items]	'	'
Commitments to originate loans	$49,347,934	$35,878,900

Commitments_and_Contingent_Lia4

Commitments and Contingent Liabilities - Commitments to Fund Fixed Rate Loans (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Loss Contingencies [Line Items]	'	'
Amount	$1,297,134	$697,524
Minimum	'	'
Loss Contingencies [Line Items]	'	'
Range of Rate	2.75%	2.99%
Maximum	'	'
Loss Contingencies [Line Items]	'	'
Range of Rate	5.00%	3.99%

Commitments_and_Contingent_Lia5

Commitments and Contingent Liabilities - Future Minimum Lease Commitments (Details) (USD $)	Sep. 30, 2013
Commitments and Contingencies Disclosure [Abstract]	'
2014	$685,043
2015	713,430
2016	673,200
2017	73,200
2018	73,200
Thereafter	1,034,100
Operating Leases, Future Minimum Payments Due, Total	$3,252,173

Fair_Value_of_Financial_Instru2

Fair Value of Financial Instruments and Fair Value Measurement - Additional Information (Details)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Fair Value Disclosures [Abstract]	'	'
Liquidity Risk	5.50%	5.50%

Fair_Value_of_Financial_Instru3

Fair Value of Financial Instruments and Fair Value Measurement - Estimated Fair Value of On-Balance Sheet Financial Instruments (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Financial assets, Carrying Value	'	'	'	'
Cash and cash equivalents	$161,452,481	$108,828,220	$149,761,646	$235,638,582
Investments available for sale	215,118,407	189,379,333	'	'
FHLB Stock	3,940,300	5,318,200	'	'
Loans receivable, net	579,854,293	593,903,715	'	'
Loans held for sale	1,857,393	2,691,508	'	'
Cash surrender value of life insurance	39,825,881	33,831,920	'	'
FDIC receivable for loss sharing agreements	29,941,862	35,135,533	'	'
Assets held for sale	1,744,584	1,054,280	'	'
Accrued interest and dividends receivable	2,728,902	3,241,320	'	'
Financial liabilities, Carrying Value	'	'	'	'
Deposits	751,296,668	800,261,546	'	'
FHLB advances and other borrowings	60,000,000	81,000,000	'	'
Derivative instruments	'	12,443	'	'
Accrued interest payable	200,173	320,980	'	'
Financial assets, Total Estimated Fair Value	'	'	'	'
Cash and cash equivalents	161,452,481	108,828,220	'	'
Investments available for sale	215,118,407	189,379,333	'	'
FHLB Stock	3,940,300	5,318,200	'	'
Loans receivable, net	549,751,987	561,448,457	'	'
Loans held for sale	1,883,244	2,741,672	'	'
Cash surrender value of life insurance	39,825,881	33,831,920	'	'
FDIC Receivable for loss sharing agreements	29,369,037	35,492,184	'	'
Assets held for sale	1,744,584	1,054,280	'	'
Accrued interest and dividends receivable	2,728,902	3,241,320	'	'
Financial liabilities, Total Estimated Fair Value	'	'	'	'
Deposits	724,702,400	805,422,429	'	'
FHLB advances and other borrowings	66,297,123	90,732,925	'	'
Derivative instruments	'	12,443	'	'
Accrued interest payable	200,173	320,980	'	'
Fair Value, Inputs, Level 1	'	'	'	'
Financial assets, Total Estimated Fair Value	'	'	'	'
Cash and cash equivalents	161,452,481	108,828,220	'	'
Fair Value, Inputs, Level 2	'	'	'	'
Financial assets, Total Estimated Fair Value	'	'	'	'
Investments available for sale	215,118,407	189,379,333	'	'
FHLB Stock	3,940,300	5,318,200	'	'
Loans held for sale	1,883,244	2,741,672	'	'
Cash surrender value of life insurance	39,825,881	33,831,920	'	'
Accrued interest and dividends receivable	642,244	721,048	'	'
Financial liabilities, Total Estimated Fair Value	'	'	'	'
Deposits	724,702,400	805,422,429	'	'
FHLB advances and other borrowings	66,297,123	90,732,925	'	'
Derivative instruments	'	12,443	'	'
Accrued interest payable	200,173	320,980	'	'
Fair Value, Inputs, Level 3	'	'	'	'
Financial assets, Total Estimated Fair Value	'	'	'	'
Loans receivable, net	549,751,987	561,448,457	'	'
FDIC Receivable for loss sharing agreements	29,369,037	35,492,184	'	'
Assets held for sale	1,744,584	1,054,280	'	'
Accrued interest and dividends receivable	$2,086,658	$2,520,272	'	'

Fair_Value_of_Financial_Instru4

Fair Value of Financial Instruments and Fair Value Measurement - Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Investment securities available for sale:	'	'
Investments available for sale	$215,118,407	$189,379,333
Assets held for sale	1,883,244	2,741,672
Tax-free municipals	'	'
Investment securities available for sale:	'	'
Investments available for sale	14,913,592	11,578,501
U.S. government sponsored entities	'	'
Investment securities available for sale:	'	'
Investments available for sale	5,030,043	16,627,055
Mortgage-backed securities: FNMA certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	116,301,309	86,584,802
Mortgage-backed securities: GNMA certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,845,617	4,945,412
Mortgage-backed securities: FHLMC certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	53,165,417	46,244,446
Collateralized mortgage-backed securities: FNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	7,256,485	'
Collateralized mortgage obligations: FNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	2,274,370	8,027,156
Collateralized mortgage obligations: GNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	0	503,311
Collateralized mortgage obligations: FHLMC	'	'
Investment securities available for sale:	'	'
Investments available for sale	407,854	580,089
Private-label mortgage securities: Investment grade	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,949,995	2,356,744
Split Rating	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,238,508	6,246,303
Private-label mortgage securities: Non investment grade	'	'
Investment securities available for sale:	'	'
Investments available for sale	10,735,217	5,685,514
Asset Held For Sale	'	'
Investment securities available for sale:	'	'
Assets held for sale	1,744,584	1,054,280
Recurring Assets At Fair Value	'	'
Investment securities available for sale:	'	'
Total recurring assets at fair value	216,862,991	190,433,613
Derivative Instruments-Swap Liability	'	'
Investment securities available for sale:	'	'
Derivative instruments-swap liability	'	12,443
Recurring Liabilities At Fair Value	'	'
Investment securities available for sale:	'	'
Total recurring liabilities at fair value	'	12,443
Fair Value, Inputs, Level 2	'	'
Investment securities available for sale:	'	'
Investments available for sale	215,118,407	189,379,333
Assets held for sale	1,883,244	2,741,672
Fair Value, Inputs, Level 2 | Tax-free municipals	'	'
Investment securities available for sale:	'	'
Investments available for sale	14,913,592	11,578,501
Fair Value, Inputs, Level 2 | U.S. government sponsored entities	'	'
Investment securities available for sale:	'	'
Investments available for sale	5,030,043	16,627,055
Fair Value, Inputs, Level 2 | Mortgage-backed securities: FNMA certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	116,301,309	86,584,802
Fair Value, Inputs, Level 2 | Mortgage-backed securities: GNMA certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,845,617	4,945,412
Fair Value, Inputs, Level 2 | Mortgage-backed securities: FHLMC certificates	'	'
Investment securities available for sale:	'	'
Investments available for sale	53,165,417	46,244,446
Fair Value, Inputs, Level 2 | Collateralized mortgage-backed securities: FNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	7,256,485	'
Fair Value, Inputs, Level 2 | Collateralized mortgage obligations: FNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	2,274,370	8,027,156
Fair Value, Inputs, Level 2 | Collateralized mortgage obligations: GNMA	'	'
Investment securities available for sale:	'	'
Investments available for sale	0	503,311
Fair Value, Inputs, Level 2 | Collateralized mortgage obligations: FHLMC	'	'
Investment securities available for sale:	'	'
Investments available for sale	407,854	580,089
Fair Value, Inputs, Level 2 | Private-label mortgage securities: Investment grade	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,949,995	2,356,744
Fair Value, Inputs, Level 2 | Split Rating	'	'
Investment securities available for sale:	'	'
Investments available for sale	1,238,508	6,246,303
Fair Value, Inputs, Level 2 | Private-label mortgage securities: Non investment grade	'	'
Investment securities available for sale:	'	'
Investments available for sale	10,735,217	5,685,514
Fair Value, Inputs, Level 2 | Asset Held For Sale	'	'
Investment securities available for sale:	'	'
Assets held for sale	0	0
Fair Value, Inputs, Level 2 | Recurring Assets At Fair Value	'	'
Investment securities available for sale:	'	'
Total recurring assets at fair value	215,118,407	189,379,333
Fair Value, Inputs, Level 2 | Derivative Instruments-Swap Liability	'	'
Investment securities available for sale:	'	'
Derivative instruments-swap liability	'	12,443
Fair Value, Inputs, Level 2 | Recurring Liabilities At Fair Value	'	'
Investment securities available for sale:	'	'
Total recurring liabilities at fair value	'	12,443
Fair Value, Inputs, Level 3 | Asset Held For Sale	'	'
Investment securities available for sale:	'	'
Assets held for sale	1,744,584	1,054,280
Fair Value, Inputs, Level 3 | Recurring Assets At Fair Value	'	'
Investment securities available for sale:	'	'
Total recurring assets at fair value	$1,744,584	$1,054,280

Fair_Value_of_Financial_Instru5

Fair Value of Financial Instruments and Fair Value Measurement - Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
Non-Covered Real Estate	'	'
Other real estate owned:	'	'
Other real estate owned	$1,615,036	$2,106,757
Covered Real Estate	'	'
Impaired loans:	'	'
Impaired loans	3,338,298	2,925,972
Other real estate owned:	'	'
Other real estate owned	14,068,846	21,903,204
Fair Value, Inputs, Level 3 | Non-Covered Real Estate	'	'
Other real estate owned:	'	'
Other real estate owned	1,615,036	2,106,757
Fair Value, Inputs, Level 3 | Covered Real Estate	'	'
Impaired loans:	'	'
Impaired loans	3,338,298	2,925,972
Other real estate owned:	'	'
Other real estate owned	$14,068,846	$21,903,204

Fair_Value_of_Financial_Instru6

Fair Value of Financial Instruments and Fair Value Measurement - Quantitative Information about Level 3 Fair Value Measurements (Details) (USD $)	12 Months Ended
	Sep. 30, 2013
Impaired Loans	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
Fair value	$3,338,298
Valuation Technique	'Property appraisals
Unobservable Input	'ManagementB discount forB propertyB typeB and recentB marketB volatility
Weighted Average Discount	24.00%
Real Estate Investment	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
Fair value	$15,683,882
Valuation Technique	'Property appraisals
Unobservable Input	'ManagementB discount forB propertyB typeB and recentB marketB volatility
Weighted Average Discount	47.00%
Minimum | Impaired Loans	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
General Range	20.00%
Minimum | Real Estate Investment	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
General Range	26.00%
Maximum | Impaired Loans	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
General Range	29.00%
Maximum | Real Estate Investment	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'
General Range	56.00%

Fair_Value_of_Financial_Instru7

Fair Value of Financial Instruments and Fair Value Measurement - Unobservable Input Reconciliation (Details) (Assets held-for-sale, USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Assets held-for-sale	'	'
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]	'	'
Fair value, beginning balance	$1,054,280	$1,064,338
Purchases	0	0
Sales	0	-373,107
Settlements	0	0
Change in unrealized loss recognized in other comprehensive income	0	0
Valuation loss recognized in noninterest expense	-467,841	-442,000
Total realized losses included in income	0	-81,231
Transfers in and/or out of level 3	1,158,145	886,280
Fair value, ending balance	$1,744,584	$1,054,280

Regulatory_Matters_Additional_

Regulatory Matters - Additional Information (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013
			First Charter MHC	First Charter MHC	Minimum	FIRREA	Critically Undercapitalized
							Maximum
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'	'	'
Aggregate average cash reserve balances maintained to satisfy the regulatory requirement	$10,548,000	$10,463,000	'	'	'	'	'
Minimum regulatory tangible capital ratio	'	'	'	'	'	1.50%	'
Leverage ratio	4.00%	4.00%	'	'	'	3.00%	'
Total risk-based capital ratio	8.00%	8.00%	'	'	'	8.00%	'
Tier 1 risk-based capital ratio	4.00%	4.00%	'	'	'	'	'
Tangible equity ratio	'	'	'	'	'	'	2.00%
Dividends waived	'	'	$422,896	$1,700,000	'	'	'
Investment in BOLI	19.00%	'	'	'	25.00%	'	'

Regulatory_Matters_Compliance_

Regulatory Matters - Compliance with Minimum Capital Requirements (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified
Banking and Thrift [Abstract]	'	'
Total Risk Based Capital (to Risk-Weighted Assets), Actual Amount	$209,930	$133,626
Total Risk Based Capital (to Risk-Weighted Assets), Actual Ratio	33.80%	19.20%
Total Risk Based Capital (to Risk-Weighted Assets for Capital Adequacy Purposes, Amount	49,648	55,610
Total Risk Based Capital (to Risk-Weighted Assets for Capital Adequacy Purposes, Ratio	8.00%	8.00%
Total Risk Based Capital (to Risk-Weighted Assets to be Well Capitalized Under Prompt Correct Action Provisions, Amount	62,060	69,512
Total Risk Based Capital (to Risk-Weighted Assets to be Well Capitalized Under Prompt Correct Action Provisions, Ratio	10.00%	10.00%
Tier 1 Capital (to Risk Weighted Assets), Actual Amount	202,119	124,931
Tier 1 Capital (to Risk Weighted Assets), Actual Ratio	32.60%	18.00%
Tier 1 Capital (to Risk Weighted Assets) for Capital Adequacy Purposes, Amount	24,824	27,805
Tier 1 Capital (to Risk Weighted Assets) for Capital Adequacy Purposes, Ratio	4.00%	4.00%
Tier 1 Capital (to Risk Weighted Assets), Amount	37,236	41,707
Tier 1 Capital (to Risk Weighted Assets), Ratio	6.00%	6.00%
Tier 1 Capital (to Average Assets), Actual Amount	202,119	124,931
Tier 1 Capital (to Average Assets), Actual Ratio	18.60%	12.20%
Tier 1 Capital (to Average Assets)for Capital Adequacy Purposes, Amount	43,572	41,097
Tier 1 Capital (to Average Assets) for Capital Adequacy Purposes, Ratio	4.00%	4.00%
Tier 1 Capital (to Average Assets), Amount	$54,465	$51,371
Tier 1 Capital (to Average Assets), Ratio	5.00%	5.00%

Related_Parties_Additional_Inf

Related Parties - Additional Information (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Construction Services	'	'	'
Related Party Transaction [Line Items]	'	'	'
Payments for transaction with related parties	'	'	$1,290,204
Insurance Premiums	'	'	'
Related Party Transaction [Line Items]	'	'	'
Payments for transaction with related parties	$37,820	$148,449	$92,398

Condensed_Financial_Statements2

Condensed Financial Statements of Charter Financial Corporation - Condensed Balance Sheet (Parent Only) (Details) (USD $)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2010
Assets	'	'	'	'
Cash	$161,452,481	$108,828,220	$149,761,646	$235,638,582
Deferred tax asset	11,350,745	6,176,199	'	'
Other assets	771,779	487,954	'	'
Total assets	1,089,405,849	1,032,220,096	'	'
Liabilities and Stockholders' Equity Liabilities	'	'	'	'
Total liabilities	815,628,013	889,699,328	'	'
Stockholdersb equity:	'	'	'	'
Common stock, $0.01 par value; issued 22,752,214 and 21,935,179 shares at September 2013 and 2012, respectively; outstanding 22,752,214 and 19,903,081 shares in 2013 and 2012, respectively	227,522	198,592	'	'
Preferred Stock, $0.01 par value; 50,000,000 shares authorized at September 30, 2013 and 10,000,000 shares authorized at September 30, 2012	0	0	'	'
Additional paid-in capital	171,729,570	73,483,605	'	'
Treasury stock, at cost; 0 and 2,032,098 shares in 2013 and 2012, respectively	0	-39,362,686	'	'
Unearned compensation b ESOP	-6,480,949	-3,571,121	'	'
Retained earnings	110,141,286	111,568,998	'	'
Accumulated other comprehensive (loss) income	-1,839,593	203,380	'	'
Total stockholdersb equity	273,777,836	142,520,768	139,415,700	136,876,367
Total liabilities and stockholdersb equity	1,089,405,849	1,032,220,096	'	'
Parent Company	'	'	'	'
Assets	'	'	'	'
Cash	65,763,818	7,766,056	7,968,065	12,123,609
Investment in subsidiary	204,604,151	130,739,990	'	'
Deferred tax asset	5,495,885	4,576,510	'	'
Other assets	22,319	33,464	'	'
Total assets	275,886,173	143,116,020	'	'
Liabilities and Stockholders' Equity Liabilities	'	'	'	'
Accrued expenses	2,108,337	595,252	'	'
Total liabilities	2,108,337	595,252	'	'
Stockholdersb equity:	'	'	'	'
Common stock, $0.01 par value; issued 22,752,214 and 21,935,179 shares at September 2013 and 2012, respectively; outstanding 22,752,214 and 19,903,081 shares in 2013 and 2012, respectively	227,522	198,592	'	'
Preferred Stock, $0.01 par value; 50,000,000 shares authorized at September 30, 2013 and 10,000,000 shares authorized at September 30, 2012	0	0	'	'
Additional paid-in capital	171,729,570	73,483,605	'	'
Treasury stock, at cost; 0 and 2,032,098 shares in 2013 and 2012, respectively	0	-39,362,686	'	'
Unearned compensation b ESOP	-6,480,949	-3,571,121	'	'
Retained earnings	110,141,286	111,568,998	'	'
Accumulated other comprehensive (loss) income	-1,839,593	203,380	'	'
Total stockholdersb equity	273,777,836	142,520,768	'	'
Total liabilities and stockholdersb equity	$275,886,173	$143,116,020	'	'

Condensed_Financial_Statements3

Condensed Financial Statements of Charter Financial Corporation - Condensed Balance Sheet (Parent Only) (Parenthetical) (Details) (USD $)	Sep. 30, 2013	Apr. 08, 2013	Sep. 30, 2012
Condensed Financial Statements, Captions [Line Items]	'	'	'
Common stock, par value (in usd per share)	$0.01	'	$0.01
Common stock, number shares issued	22,752,214	'	21,935,179
Common stock, number of shares outstanding	22,752,214	22,752,214	19,903,081
Preferred stock, number of shares authorized	50,000,000	'	10,000,000
Treasury stock (in shares)	0	'	2,032,098
Parent Company	'	'	'
Condensed Financial Statements, Captions [Line Items]	'	'	'
Common stock, par value (in usd per share)	$0.01	'	$0.01
Common stock, number shares issued	22,752,214	'	21,935,179
Common stock, number of shares outstanding	22,752,214	'	19,903,081
Preferred stock, par value (in usd per share)	$0.01	'	$0.01
Preferred stock, number of shares authorized	50,000,000	'	10,000,000
Treasury stock (in shares)	0	'	2,032,098

Condensed_Financial_Statements4

Condensed Financial Statements of Charter Financial Corporation - Condensed Income Statement (Parent Only) (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Income	'	'	'
Interest income	$42,636,469	$48,101,038	$45,786,312
Other income	396,446	955,062	346,322
Expenses:	'	'	'
Salaries and employee benefits	18,458,664	19,332,621	15,762,074
Occupancy	7,302,944	7,799,670	6,528,996
Legal and professional	1,922,817	1,627,769	2,105,319
Marketing	1,294,251	1,875,591	1,619,275
Other	3,340,599	3,680,904	2,558,616
Total noninterest expense	36,313,540	40,304,897	33,950,067
Income before income taxes	9,124,917	5,617,742	2,999,744
Income tax benefit	2,868,500	639,050	694,392
Net income	6,256,417	4,978,692	2,305,352
Parent Company	'	'	'
Income	'	'	'
Interest income	91,260	13,976	64,371
Other income	0	0	49,837
Total operating income	91,260	13,976	114,208
Expenses:	'	'	'
Salaries and employee benefits	443,064	312,915	278,649
Occupancy	33,048	38,648	27,538
Legal and professional	279,268	375,298	295,216
Marketing	112,146	98,597	129,538
Other	210,318	173,305	164,557
Total noninterest expense	1,077,844	998,763	895,498
Income before income taxes	-986,584	-984,787	-781,290
Income tax benefit	-335,867	-333,631	-267,338
Loss before equity in undistributed net income of subsidiary	-650,717	-651,156	-513,952
Equity in undistributed net income of subsidiary	6,907,134	5,629,848	2,819,304
Net income	$6,256,417	$4,978,692	$2,305,352

Condensed_Financial_Statements5

Condensed Financial Statements of Charter Financial Corporation - Condensed Cash Flows Statement (Parent Only) (Details) (USD $)	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2011
Cash flows from operating activities:	'	'	'
Net income	$6,256,417	$4,978,692	$2,305,352
Adjustments to reconcile net income to net cash provided (used in) by operating activities	'	'	'
Deferred tax benefit	-3,615,234	-2,738,714	-1,973,499
Restricted stock award expense	53,042	108,845	216,668
Stock based compensation expense	69,581	93,876	105,091
Decrease (increase) in other assets	-6,960,193	1,741,670	4,125,736
Increase in accrued expenses	3,485,939	-2,242,543	-5,239,014
Net cash used in operating activities	-2,546,908	-1,013,794	-165,482
Cash flows from investing activities:	'	'	'
Net cash (used in) provided by investing activities	-1,520,218	104,684,230	176,268,273
Cash flows from financing activities:	'	'	'
Purchase of treasury stock awards	-1,163,515	-3,588,013	0
First Charter elimination	-277,307	0	0
Issuance of common stock in offering	135,378,486	0	0
Dividends paid	-7,684,129	-1,372,227	-1,940,899
Net cash provided by (used in) financing activities	56,691,387	-144,603,862	-261,979,727
Net increase (decrease) in cash	52,624,261	-40,933,426	-85,876,936
Cash and cash equivalents at beginning of period	108,828,220	149,761,646	235,638,582
Cash and cash equivalents at end of period	161,452,481	108,828,220	149,761,646
Supplemental disclosures of cash flow information	'	'	'
Income taxes paid	10,060,110	2,529,000	1,678,641
Issuance of ESOP common stock	210,874	158,269	151,600
Effect of restricted stock awards	53,042	659,633	391,764
Unrealized (loss) gain on securities available for sale, net	-2,042,973	2,174,838	1,526,425
Parent Company	'	'	'
Cash flows from operating activities:	'	'	'
Net income	6,256,417	4,978,692	2,305,352
Adjustments to reconcile net income to net cash provided (used in) by operating activities	'	'	'
Deferred tax benefit	-919,375	-1,198,631	-1,973,499
Restricted stock award expense	59,470	108,845	216,668
Stock based compensation expense	69,581	93,876	105,091
Equity in undistributed net income of subsidiary	-6,907,134	-5,629,848	-2,819,304
Decrease (increase) in other assets	11,144	107,958	-1,206,939
Increase in accrued expenses	1,673,657	294,062	1,156,864
Net cash used in operating activities	243,760	-1,245,046	-2,215,767
Cash flows from investing activities:	'	'	'
Capital (infusion) distribution with Bank subsidiary	-69,000,000	6,000,000	0
Net cash (used in) provided by investing activities	-69,000,000	6,000,000	0
Cash flows from financing activities:	'	'	'
Purchase of treasury stock awards	-1,163,515	-3,588,013	0
Dividends on restricted stock awards	25	-80	-610
First Charter elimination	229,564	0	0
Issuance of common stock in offering	135,378,486	0	0
Dividends paid	-7,690,558	-1,368,870	-1,939,167
Net cash provided by (used in) financing activities	126,754,002	-4,956,963	-1,939,777
Net increase (decrease) in cash	57,997,762	-202,009	-4,155,544
Cash and cash equivalents at beginning of period	7,766,056	7,968,065	12,123,609
Cash and cash equivalents at end of period	65,763,818	7,766,056	7,968,065
Supplemental disclosures of cash flow information	'	'	'
Income taxes paid	105,110	5,000	1,678,641
Issuance of ESOP common stock	160,596	158,269	151,600
Effect of restricted stock awards	53,042	659,633	391,794
Unrealized (loss) gain on securities available for sale, net	($2,042,973)	$2,174,838	$1,526,425

Common_Stock_Offerings_Additio

Common Stock Offerings - Additional Information (Details) (USD $)	0 Months Ended
	Apr. 08, 2013	Apr. 20, 2010	Sep. 30, 2013	Sep. 30, 2012
Stockholders Equity Note [Line Items]	'	'	'	'
Stock issued during period, shares, new issues (in shares)	14,289,429	'	'	'
Share price (in usd per share)	$10	'	'	'
Common stock, number of shares outstanding	22,752,214	'	22,752,214	19,903,081
Costs related to the offering	$5,600,000	'	'	'
Proceeds of the offering	137,300,000	'	'	'
Gross proceeds from the offering	142,900,000	'	'	'
Gross common stock proceeds from offering	'	30,600,000	'	'
Offering expenses	'	4,000,000	'	'
Cancellation of shares previously owned by First Charter, MHC (in shares)	'	4,400,000	'	'
Employee Stock	'	'	'	'
Stockholders Equity Note [Line Items]	'	'	'	'
Gross common stock proceeds from offering	'	2,300,000	'	'
First Charter, MHC	'	'	'	'
Stockholders Equity Note [Line Items]	'	'	'	'
Net asset position assumed	$229,564	'	'	'
Equity method investment, ownership percentage	100.00%	'	'	'
Public	'	'	'	'
Stockholders Equity Note [Line Items]	'	'	'	'
Equity method investment, ownership percentage	100.00%	'	'	'
Charter Federal	'	'	'	'
Stockholders Equity Note [Line Items]	'	'	'	'
Share price (in usd per share)	$10	'	'	'
Equity method investment, ownership percentage	'	61.00%	'	'
Conversion ratio (in shares)	1.2471	'	'	'