Colonial Financial Services 10-K 30 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
In Millions, except Share data, unless otherwise specified	Dec. 31, 2014	Mar. 01, 2015	Jun. 30, 2014
Document and Entity Information [Abstract]
Entity Registrant Name	Colonial Financial Services, Inc.
Entity Central Index Key	1485527
Trading Symbol	cobk
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Current Fiscal Year End Date	-19
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding		3,866,745
Entity Public Float			$44.40
Document Type	10-K
Amendment Flag	FALSE
Document Period End Date	31-Dec-14
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS
Cash and amounts due from banks	$16,686	$23,404
Investment securities available for sale	222,235	227,126
Investment securities held to maturity (fair value 2014 - $0; 2013 - $17,882)		17,291
Loans receivable (net of allowance for loan losses 2014 - $4,294; 2013 - $5,853)	267,789	276,154
Real estate owned, net	2,220	3,258
Federal Home Loan Bank stock, at cost	503	702
Office properties and equipment, net	7,410	7,825
Bank-owned life insurance	15,031	14,607
Accrued interest receivable	1,345	1,530
Deferred tax asset, net	4,715	7,276
Other assets	3,690	3,984
Total Assets	541,624	583,157
Deposits:
Non-interest-bearing	48,341	42,739
Interest-bearing	427,039	479,288
Total deposits	475,380	522,027
Advances from borrowers for taxes and insurance	995	831
Accrued interest payable and other liabilities	1,412	1,136
Total Liabilities	477,787	523,994
COMMITMENTS AND CONTINGENCIES (NOTE 12)
STOCKHOLDERS' EQUITY
Preferred stock, $0.01 par value; authorized 50,000,000 shares; none issued
Common stock, $0.01 par value; authorized 100,000,000 shares; issued and outstanding 3,860,209 shares in 2014 and 3,853,058 shares in 2013	39	39
Additional paid-in capital	37,533	37,289
Unearned shares held by Employee Stock Ownership Plan (ESOP)	-962	-1,170
Retained earnings	28,017	27,482
Accumulated other comprehensive loss	-790	-4,477
Total Stockholders' Equity	63,837	59,163
Total Liabilities and Stockholders' Equity	$541,624	$583,157

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Consolidated Statements of Financial Condition [Abstract]
Investment securities held to maturity fair value (in dollars)	$0	$17,882
Loans receivable allowance for loan losses (in dollars)	$4,294	$5,853
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, shares authorized	50,000,000	50,000,000
Preferred stock, shares issued
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	3,860,209	3,853,058
Common stock, shares outstanding	3,860,209	3,853,058

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
INTEREST INCOME
Loans, including fees	$12,071	$13,616
Mortgage-backed securities	1,657	1,998
Investment securities:
Taxable	1,617	2,062
Tax-exempt	191	453
Total Interest Income	15,536	18,129
INTEREST EXPENSE
Deposits	2,634	3,819
Borrowings	17	29
Total Interest Expense	2,651	3,848
Net Interest Income	12,885	14,281
PROVISION FOR LOAN LOSSES	33	5,699
Net Interest Income after Provision for Loan Losses	12,852	8,582
NON-INTEREST INCOME
Fees and service charges	1,139	1,211
Net gain on sales and calls of investment securities	704	1,064
Earnings on bank-owned life insurance	424	439
Other	59	41
Total Non-Interest Income	2,326	2,755
NON-INTEREST EXPENSES
Compensation and benefits	5,701	6,887
Occupancy and equipment	1,618	1,650
Data processing	1,054	968
FDIC insurance premiums	718	733
Office supplies	101	154
Professional fees	1,099	1,271
Advertising	55	131
Real estate owned, net	1,243	1,475
Merger-related	1,083
Other	1,299	1,530
Total Non-Interest Expenses	13,971	14,799
Income (Loss) before Income Tax Expense (Benefit)	1,207	-3,462
INCOME TAX EXPENSE (BENEFIT)	672	-1,637
Net Income (Loss)	$535	($1,825)
Per Share Data (Note 3):
Income (Loss) per share - basic (in dollars per share)	$0.14	($0.49)
Income (Loss) per share - diluted (in dollars per share)	$0.14	($0.49)

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income (loss)	$535		($1,825)
Other Comprehensive Income (Loss):
Unrealized gain (loss) on securities net of tax expense (benefit) - 2014, $1,918; 2013, $(3,613)	3,648		-6,752
Unrealized gain on securities transferred from the held-to-maturity category into the available-for-sale category net of tax expense - 2014, $306; 2013, $0	461
Less reclassification adjustment for realized gain on sale of securities (net) included in net income (loss) net of tax expense -2014, $282; 2013, $425	-422	[1]	-639	[1]
Total Other Comprehensive Income (Loss)	3,687		-7,391
Comprehensive Income (Loss)	$4,222		($9,216)
[1]	Gross amounts are included in Net gain on sales and calls of investment securities in the Consolidated Statements of Operations as a separate element within Total Non-Interest Income. Tax expense amounts are included in Income Tax Expense (Benefit) in the Consolidated Statements of Operations.

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parentheticals) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Unrealized gain (loss) on securities, tax expense (benefit)	$1,918		($3,613)
Unrealized gain on securities transferred from the held-to-maturity category into the available-for-sale category, tax expense	306		0
Reclassification adjustment for realized (gain) on sale of securities (net) included in net income, tax expense	$282	[1]	$425	[1]
[1]	Gross amounts are included in Net gain on sales and calls of investment securities in the Consolidated Statements of Operations as a separate element within Total Non-Interest Income. Tax expense amounts are included in Income Tax Expense (Benefit) in the Consolidated Statements of Operations.

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (USD $)	Common Stock	Additional Paid-in Capital	Unearned Shares Held by ESOP	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
In Thousands, unless otherwise specified
Balance at Dec. 31, 2012	$39	$37,155	($1,378)	$29,307	$2,914	$68,037
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				-1,825		-1,825
Other comprehensive income (loss)					-7,391	-7,391
Common stock repurchased and cancelled (10,000 shares)		-134				-134
ESOP shares committed to be released (20,085 shares)		68	208			276
Stock-based compensation expense (restricted stock awards)		81				81
Stock-based compensation expense (stock options)		119				119
Balance at Dec. 31, 2013	39	37,289	-1,170	27,482	-4,477	59,163
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)				535		535
Other comprehensive income (loss)					3,687	3,687
ESOP shares committed to be released (20,085 shares)		42	208			250
Stock-based compensation expense (restricted stock awards)		81				81
Stock-based compensation expense (stock options)		121				121
Balance at Dec. 31, 2014	$39	$37,533	($962)	$28,017	($790)	$63,837

CONSOLIDATED_STATEMENTS_OF_STO1

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parentheticals)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements of Stockholders' Equity [Abstract]
Common stock repurchased and cancelled, shares		10,000
ESOP shares committed to be released, shares	20,085	20,085

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Cash Flows from Operating Activities:
Net income (loss)	$535	($1,825)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provision for loan losses	33	5,699
Depreciation expense	536	565
ESOP expense	250	276
Stock-based compensation expense	202	200
Deferred income taxes	619	-529
Net earnings on bank-owned life insurance	-424	-439
Net gain on sales and calls of investment securities	-704	-1,064
(Gain) on sale of real estate owned	-165	-449
Write-down on real estate owned	644	1,366
Net amortization of loan fees	-740	233
Accretion of premium and discount on investment securities, net	-703	-207
Decrease in accrued interest receivable	185	120
Decrease (increase) in other assets	294	-58
Increase in other liabilities	276	328
Net cash provided by operating activities	838	4,216
Cash Flows from Investing Activities:
Proceeds from sales of investment securities available for sale	56,320	11,968
Proceeds from sales of mortgage-backed securities and collateralized mortgage obligations available for sale	1,309	13,075
Proceeds from calls and maturities of investment securities available for sale	17,901	39,049
Proceeds from calls and maturities of investment securities held to maturity	7,299	28,217
Purchase of investment securities available for sale	-20,266	-62,787
Purchase of investment securities held to maturity		-15,625
Purchase of mortgage-backed securities and collateralized mortgage obligations available for sale	-55,569	-36,609
Purchase of office properties and equipment	-121	-195
Principal repayments from investment securities	2,179	3,310
Principal repayments from mortgage-backed securities and collateralized mortgage obligations	20,045	28,070
Net decrease in Federal Home Loan Bank stock	199	56
Proceeds from the sale of real estate owned	1,954	2,485
Net decrease in loans receivable	7,677	13,783
Net cash provided by investing activities	38,927	24,797
Cash Flows from Financing Activities:
Net (decrease) in deposits	-46,647	-32,063
Increase in advances from borrowers for taxes and insurance	164	170
Repurchase of common stock		-134
Net cash used for financing activities	-46,483	-32,027
(Decrease) in cash and cash equivalents	-6,718	-3,014
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	23,404	26,418
CASH AND CASH EQUIVALENTS AT END OF PERIOD	16,686	23,404
Supplemental Cash Flow Disclosures:
Cash paid: Interest	2,653	3,856
Cash paid: Income taxes
Supplemental Schedule of Noncash Investing and Financing Activities:
Other real estate acquired in settlement of loans	1,395	1,313
Transfer of held-to-maturity securities to available-for-sale	$9,989

ORGANIZATION_AND_NATURE_OF_OPE

ORGANIZATION AND NATURE OF OPERATIONS	12 Months Ended
	Dec. 31, 2014
Organization And Nature Of Operations [Abstract]
ORGANIZATION AND NATURE OF OPERATIONS	NOTE 1 – ORGANIZATION AND NATURE OF OPERATIONS
	Colonial Financial Services, Inc. (the “Company”), a Maryland corporation, was formed in March 2010, to serve as the stock holding company for Colonial Bank, FSB (the “Bank”) as part of the mutual-to-stock conversion of Colonial Bankshares, MHC. On July 13, 2010, Colonial Financial Services, Inc. completed its second-step conversion and related public stock offering.  Colonial Bank, FSB is now 100% owned by Colonial Financial Services, Inc. and Colonial Financial Services, Inc. is 100% owned by public stockholders.  Colonial Financial Services, Inc. sold a total of 2,295,000 shares of common stock in the subscription, community and syndicated community offerings, including 91,800 shares to the Colonial Bank FSB employee stock ownership plan.  All shares were sold at a purchase price of $10.00 per share.  Concurrent with the completion of the offering, shares of common stock of Colonial Bankshares, Inc., a federal corporation, owned by public stockholders were converted into the right to receive 0.9399 shares of Colonial Financial Services, Inc. common stock.  Cash in lieu of fractional shares was paid at a rate of $10.00 per share.  As a result of the offering and the exchange, Colonial Financial Services, Inc. sold or exchanged 4,173,444 shares.
	The same directors and officers who manage Colonial Bank, FSB manage Colonial Financial Services, Inc.  The Company, as a savings and loan holding company, is subject to regulation by the Board of Governors of the Federal Reserve System.  The Bank is subject to regulation and supervision by the Office of the Comptroller of the Currency (“OCC”).
	The Bank has established a New Jersey corporation, Cohansey Bridge, LLC, whose purpose is to invest in and manage real estate including foreclosed real estate.  The Bank had previously established a Delaware corporation, COBK Investments, LLC; subsequently liquidated in August, 2014, whose purpose was to invest in and manage securities.
	The Bank maintains its executive office and main branch in Vineland, New Jersey.  The Bank also maintains branch offices in Bridgeton, Cedarville, Mantua, Millville, Upper Deerfield, Vineland and Sewell, New Jersey.  The Bank’s principal business consists of attracting customer deposits and investing these deposits primarily in single-family residential, commercial, and consumer loans and investments.

SIGNIFICANT_ACCOUNTING_POLICIE

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
Significant Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	NOTE 2 – SIGNIFICANT ACCOUNTING POLICIES
	Principles of Consolidation
	The consolidated financial statements include the accounts of Colonial Financial Services, Inc., its wholly-owned subsidiary, Colonial Bank, FSB and the Bank’s wholly-owned subsidiary, Cohansey Bridge, LLC.  All material intercompany transactions and balances have been eliminated in the consolidated financial statements.
	Use of Estimates
	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“US GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period.  Actual results could differ 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 evaluation of other than temporary impairment of investment securities and the valuation of real estate owned and deferred tax assets.
	Significant Group Concentrations of Credit Risk
	Most of the Bank’s activities are with customers located within Southern New Jersey.  Note 4 discusses the types of investment securities that the Bank invests in.  Note 5 discuss the types of lending that the Bank engages in.  The Bank does not have any significant concentrations to any one industry or customer.  Although the Bank has a diversified portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy.
	Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand and amounts due from banks.
	The Company and the Bank maintain cash deposits in other depository institutions that occasionally exceed the amount of deposit insurance available.  Management periodically assesses the financial condition of these institutions and believes that the risk of any possible credit loss is minimal.
	The Bank is required to maintain average reserve balances in vault cash and with the Federal Home Loan Bank based upon outstanding balances of deposit transaction accounts.  No reserve balance was required at December 31, 2014 and 2013.
	Investment Securities
	Securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums, or unaccreted discounts.  Premiums are amortized and discounts are accreted using a method which produces results which approximate the interest method over the estimated remaining term of the underlying security.
	Securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and the yield of alternative investments are classified as available for sale.  These securities are carried at estimated fair value, which is determined using published quotes where available.  If published quotes are not available, fair values are based on quoted market prices of comparable instruments.  Unrealized gains and losses are excluded from earnings and are reported net of tax in other comprehensive income (loss).  Realized gains and losses are included in the statements of operations and are determined based on the adjusted cost of the specific security sold.
	Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each statement of financial condition date.
	Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) whether or not the Company intends to sell or expects that it is more likely than not that it will be required to sell the security prior to an anticipated recovery in fair value.  Once a decline in value for a debt security is determined to be other-than-temporary, the other-than-temporary impairment is separated in (a) the amount of total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of other-than-temporary impairment related to all other factors.  The amount of the total other-than-temporary impairment related to credit loss is recognized in earnings.  The amount of other-than-temporary impairment related to other factors is recognized in other comprehensive income (loss).  For equity securities, the full amount of the other-than-temporary impairment is recognized in earnings.
	Loans Receivable
	The Bank grants mortgage, commercial and consumer loans to customers.  A substantial portion of the loan portfolio is represented by mortgage loans throughout the counties of Cumberland and Gloucester of New Jersey.  The ability of the Bank’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.
	Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan.  Premiums and discounts on purchased loans are amortized as adjustments to interest income using the effective yield method.
	The loans receivable portfolio is segmented into commercial and consumer loans.  Commercial loans consist of the following classes: multi-family, commercial real estate, construction and land and commercial non-real estate.  Consumer loans consist of the following classes: 1-4 family, home equity loans and credit lines and other consumer loans.
	For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed.  Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.  The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.
	Allowance for Loan Losses
	The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the statement of financial condition date and is recorded as a reduction to loans.  The allowance for credit losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.  Non-residential real estate consumer loans are generally charged off no later than 120 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible.  Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses.
	The allowance for credit losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available.
	The allowance consists of specific, general and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, as well as smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative factors.  These qualitative risk factors include:
		●	Lending policies and procedures, including underwriting standards and collection, charge-off, and recovery practices.
		●	National, regional, and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.
		●	Nature and volume of the portfolio and terms of loans.
		●	Experience, ability, and depth of lending management and staff.
		●	Volume and severity of past due, classified and nonaccrual loans as well as other loan modifications.
		●	Quality of the Company’s loan review system, and the degree of oversight by the Company’s Board of Directors.
		●	Existence and effect of any concentrations of credit and changes in the level of such concentrations.
		●	Effect of external factors, such as competition and legal and regulatory requirements.
	Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss calculation.
	One-to four-family real estate loans involve certain risks such as interest rate risk and risk of non repayment.  Adjustable-rate single family real estate loans pose interest rate risk to the Bank that is associated with changes in interest rates but involve other risks, primarily because as interest rates rise, the payment by the borrower rises to the extent permitted by the terms of the loan, thereby increasing the potential of default.  At the same time, the marketability of the underlying property may be adversely affected by higher interest rates.  Repayment risk can be affected by job loss, divorce, illness, personal bankruptcy of the borrower and regional or local economic conditions.
	Multi-family and commercial real estate lending entails significant risks.  Such loans typically involve large loan balances to single borrowers or group of borrowers.  The payment experience on such loans is typically dependent on the successful operation of the real estate project.  The success of such projects is sensitive to changes in supply and demand conditions in the market for multi-family and commercial real estate as well as economic conditions.
	Construction lending is generally considered higher risk.  A construction loan can involve additional risks because of the inherent difficulty in estimating both a property’s value at completion of the project and the estimated cost (including interest) in the project.
	Commercial business lending is generally considered higher risk than commercial real estate lending.  Commercial business loans are primarily secured by inventories and non-real estate assets.  In most cases, any repossessed collateral for a defaulted commercial business loan will not provide an adequate source of repayment of the outstanding loan balance.
	Consumer loans generally have shorter terms and higher interest rates than other lending but generally involve more credit risk because of the type and nature of the collateral and, in certain cases, the absence of collateral.  In addition, consumer lending collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely effected by job loss, divorce, illness and personal bankruptcy.  In most cases, any repossessed collateral for a defaulted consumer loan will most likely not provide an adequate source of repayment of the outstanding loan.
	An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial non-real estate loans, commercial real estate loans and construction and land loans.  The fair value of impaired collateral dependent loans is estimated using an appraisal of the collateral less estimated liquidation expenses or discounted cash flows for non-collateral dependent loans.  Those impaired loans not requiring a write-down represent loans for which the fair value of the collateral or expected repayments exceeds the recorded investment in such loans.  Impaired loans are charged-off or an allowance is established to the estimated fair value if its carrying value exceeds its estimated fair value.
	For commercial loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property.
	For commercial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.
	Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual residential mortgage loans, home equity loans and other consumer loans for impairment, unless such loans are the subject of a troubled debt restructuring agreement.
	Loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve a temporary reduction in interest rate or an extension of a loan’s stated maturity date. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.   Loans classified as troubled debt restructurings are designated as impaired.
	The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loan classified as watch exhibit some of the following traits:  policy exceptions, documentation concerns, lack of financial statements or declining financial ratios, or pay slowly but never delinquent more than 30 days.  At the time of the classification no loss is expected.  Loans classified special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.   Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.    Loans not classified are rated pass.
	In addition, Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
	Federal Home Loan Bank Stock
	Federal Home Loan Bank of New York (“FHLB”) Stock, which represents required investment in the common stock of a correspondent bank, is carried at cost.
	The Company evaluates the FHLB stock for impairment.  Management’s determination of whether this investment is impaired is based on its assessment of the ultimate recoverability of the cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of the cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time the decline has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB.
	Management believes no impairment charge is necessary related to the FHLB stock at December 31, 2014 and 2013.
	Real Estate Owned
	Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell.  Revenue and expenses from operations and changes in the valuation allowance are included in non-interest expense on the consolidated statement of operations.  Also included in real estate owned are properties originally acquired by the Bank for future expansion.
	Office Properties and Equipment
	Office properties and equipment are recorded at cost.  Depreciation is computed using the straight-line method over the expected useful lives of the related assets.
	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Bank does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
	Bank-Owned Life Insurance
	The Bank invests in bank owned life insurance (“BOLI”) as a source of funding for employee benefit expenses.  BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees and directors.  The Bank is the owner of the policies and shares proceeds of the policies in a split dollar arrangement with the beneficiary of the insured employee or director.  The amount of the split dollar arrangement is equal to three times the annual base salary of the insured at the time of his or her death less $50,000 for employees and $250,000 for directors.  This life insurance investment is carried at the cash surrender value of the underlying policies.  Income from the increase in cash surrender value of the policies is included in non-interest income on the consolidated statements of operations.
	Advertising Costs
	The Bank follows the policy of charging the costs of advertising to expense as incurred.
	Stock Compensation Plans
	Stock compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in financial statements.  That cost will be measured based on the grant date fair value of the equity or liability instruments issued.  The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period.  For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.  For performance based awards, compensation cost is recognized on a straight-line basis over the requisite service period if the goal is attained.  A black-sholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards.
	Income Taxes
Income tax accounting guidance results in two components of income tax expense (benefit): current and deferred. Current income tax expense (benefit) reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur.
Deferred income tax expense (benefit) results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of the evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
The Company accounts for uncertain tax positions if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment.
The Company recognizes interest and penalties on income taxes, if any, as a component of the provision for income taxes.  In general, the Company remains open to examination for tax years 2011 and after for federal and for tax years after 2012 for state.
Earnings Per Share
Basic earnings per share (“EPS”) is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as unvested restricted stock awards and outstanding stock options, were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company. Diluted EPS is calculated by adjusting the weighted average number of shares on common stock outstanding to include the effect of contracts or securities exercisable or which could be converted into common stock, if dilutive, using the treasury stock method.
Off-Balance Sheet Financial Instruments
In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit.  Such financial instruments are recorded in the statements of financial condition when they are funded.
Recent Accounting Pronouncements
In August 2014, the FASB issued ASU, 2014-14, “Receivables-Troubled Debt Restructurings by Creditors, Classification of Certain Government-guaranteed Mortgage Loans upon Foreclosure.”  The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: 1) the loan has a government guarantee that is not separable from the loan before foreclosure; 2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim; 3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments in this update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
In June 2014, the FASB issued ASU, 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period”.  The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. A reporting entity should apply existing guidance in Topic 718 as it relates to awards with performance conditions that affect vesting to account for such awards. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. Compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. If the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. As indicated in the definition of vest, the stated vesting period (which includes the period in which the performance target could be achieved) may differ from the requisite service period.  The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015.  The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
In May 2014, the FASB issued ASU, 2014-09, “Revenue from Contracts with Customers.”  The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services.  To achieve that core principle, an entity should apply the following steps:
Step 1: Identify the contract(s) with a customer.
Step 2: Identify the performance obligations in the contract.
Step 3: Determine the transaction price.
Step 4: Allocate the transaction price to the performance obligations in the contract.
Step 5: Recognize revenue when (or as) the entity satisfies a performance obligation.
The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
In January 2014, the FASB issued ASU 2014-04 “Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40.”  The amendments in this update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this Update are effective for annual period and interim periods within those annual periods beginning after December 15, 2014.  The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2014
Earnings Per Share [Abstract]
EARNINGS PER SHARE	NOTE 3 – EARNINGS PER SHARE
	There are no preferred securities which would affect the net income (loss) (numerator) in calculating basic and diluted earnings per share.  Basic and diluted earnings per share data are based on the weighted-average number of common shares outstanding during each period.  Diluted earnings per share are further adjusted for potential common shares that were dilutive and outstanding during the period.  Potential common shares consist of stock options outstanding and non-vested stock grants under the stock-based incentive plans.  The dilutive effect of potential common shares is computed using the treasury stock method.  The following table sets forth the composition of the weighted average common shares (denominator) used in the basic and diluted earnings per share computation.  At December 31, 2014 and 2013, respectively, there were 115,283 and 344,175 anti-dilutive non-vested awards and options excluded from the computation of earnings per share.
		December 31,
		2014			2013
	Net Income (Loss)	$	535,000		$	(1,825,000	)
	Weighted average common shares issued		3,860,104			3,853,167
	Average unearned ESOP shares		(113,275	)		(133,360	)
	Weighted average common shares outstanding – basic		3,746,829			3,719,807
	Effect of dilutive non-vested shares and stock options outstanding		6,495			-
	Weighted average common shares outstanding – diluted		3,753,324			3,719,807
	Income (Loss) per share-basic	$	0.14		$	(0.49	)
	Income (Loss) per share-diluted	$	0.14		$	(0.49	)

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2014
Investment Securities [Abstract]
INVESTMENT SECURITIES	NOTE 4 – INVESTMENT SECURITIES
	Investment securities are summarized as follows:
		Amortized		Gross		Gross			Fair Value
		Cost		Unrealized		Unrealized
				Gains		Losses
		(In thousands)
	Available for Sale:
	31-Dec-14
	U. S. Government obligations	$	88,315	$	18	$	(1,389	)	$	86,944
	Mutual funds		850		42		-			892
	Municipal debt obligations		4,038		6		(32	)		4,012
	SBA pools		17,255		62		(62	)		17,255
	Government-sponsored enterprise (“GSE”) mortgage-backed securities		54,519		835		(48	)		55,306
	GSE collateralized mortgage obligations		58,574		194		(942	)		57,826
		$	223,551	$	1,157	$	(2,473	)	$	222,235
	31-Dec-13
	U. S. Government obligations	$	141,836	$	16	$	(5,069	)	$	136,783
	Corporate debt obligations		4,493		12		(4	)		4,501
	Mutual funds		903		42		-			945
	Municipal debt obligations		6, 828		35		(144	)		6,719
	SBA pools		1,097		-		(4	)		1,093
	GSE mortgage-backed securities		14,794		752		(83	)		15,463
	GSE collateralized mortgage obligations		64,120		190		(2,688	)		61,622
		$	234,071	$	1,047	$	(7,992	)	$	227,126
	Held to Maturity:
	31-Dec-13
	Corporate debt obligations	$	1,193	$	203	$	-		$	1,396
	Municipal debt obligations		15,910		368		-			16,278
	GSE mortgage-backed securities		188		20		-			208
		$	17,291	$	591	$	-		$	17,882
	The Company had no investment securities classified as held-to-maturity at December 31, 2014.
	On March 31, 2014, the Company reclassified its $10.0 million held-to-maturity portfolio as available for sale.  The Company made this reclassification to ease the facilitation of security replacement to mitigate interest rate risk and to shift to mortgage related securities.  The securities reclassified included: $8.6 million in municipal debt securities with an unrealized gain of $522,000, $1.2 million in corporate debt securities with an unrealized gain of $228,000 and $155,000 in GSE mortgage-backed securities with an unrealized gain of $17,000.  In accordance with regulatory and accounting requirements, the Company is prohibited from classifying security purchases as held-to-maturity for a period of two years.
	All of the Company’s mortgage-backed securities and collateralized mortgage obligations at December 31, 2014 and 2013 have been issued by government agencies or government sponsored enterprises.
	The amortized cost and estimated fair value of investment securities at December 31, 2014, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Available for Sale
		Amortized		Fair Value
		Cost
		(In thousands)
	Due in one year or less	$	1,156	$	1,198
	Due after one year through five years		60,711		59,904
	Due after five year through ten years		31,521		30,930
	Due thereafter		17,070		17,071
			110,458		109,103
	GSE mortgage-backed securities and GSE collateralized mortgage obligations		113,093		113,132
	Total	$	223,551	$	222,235
	At December 31, 2014 and 2013, $123.6 million and $139.0 million, respectively, of securities were pledged as collateral to secure certain deposits and FHLB advances.
	Gross gains and losses of $921,000 and $217,000, respectively, for the year ended December 31, 2014, and $1,082,000 and $18,000 respectively, for the year ended December 31, 2013, were realized on sales and calls of available-for-sale investment securities.
	The following table shows the Company’s available for sale investments’ gross unrealized losses and fair value, and length of time that individual securities have been in a continuous unrealized loss position:
	At December 31, 2014	Less than 12 months				12 months or more					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(In thousands)
	U. S. Government obligations	$	41,466	$	490	$	43,460		$	899	$	84,926	$	1,389
	Municipal debt obligations		871		10		834			22		1,705		32
	SBA pools		4,445		62		-			-		4,445		62
	GSE mortgage-backed securities		15,902		48		-			-		15,902		48
	GSE collateralized mortgage obligations		3,428		81		31,281			861		34,709		942
	Total	$	66,112	$	691	$	75,575		$	1,782	$	141,687	$	2,473
	At December 31, 2013	Less than 12 months				12 months or more					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(In thousands)
	U. S. Government obligations	$	126,055	$	4,590	$	8,006		$	479	$	134,061	$	5,069
	Corporate debt obligations		1,497		4		-			-		1,497		4
Municipal debt obligations		3,319		123		565			21		3,884		144
SBA pools		1,093		4		-			-		1,093		4
GSE mortgage-backed securities		1,629		82		33			1		1,662		83
GSE collateralized mortgage obligations		46,346		2,628		781			60		47,127		2,688
Total	$	179,939	$	7,431	$	9,385		$	561	$	189,324	$	7,992
At December 31, 2013, there were no held to maturity investments in an unrealized loss position.
At December 31, 2014, there were 42 securities in the less-than-twelve-months category and 45 securities in the twelve-months-or-more category for the available-for-sale portfolio.  Included in the 42 securities in the less-than-twelve months category for available-for-sale securities are (a) 21 U. S. government securities; (b) four municipal debt obligations, of which three have been in a loss position for one month and one of which has been in a loss position for two months; (c) four SBA pools, three of which have been in a loss position for 6 months and one has been in a loss position for one month; (d) ten mortgage-backed securities, five of which have been in a loss position for one month, four of which have been in a loss position for 6 months and one of which has been in a loss position for 4 months and (e) 3 collateralized mortgage obligations.  Included in the 45 securities in the twelve-months-or-more category are (a) 23 U. S. government securities; (b) three municipal debt obligations and (c) 19 collateralized mortgage obligations.
At December 31, 2013, there were 120 securities in the less-than-twelve-months category and eight securities in the twelve-months-or-more category for the available-for-sale portfolio.  Included in the 120 securities in the less-than-twelve months category for available-for-sale securities are (a) 68 U. S. government securities; (b) two corporate debt obligations of which one has been in a loss position for two months and one has been in a loss position for one month; (c) twelve municipal debt obligations, of which five have been in a loss position for 8 months, five have been in a loss position for 7 months and two of which had been in a loss position for two months; (d) three SBA pools, two of which have been in a loss position for 10 months and one has been in a loss position for one month; (e) two mortgage-backed securities, one of which has been in a loss position for 8 months and one which has been in a loss position for 5 months and (f) 33 collateralized mortgage obligations.  Included in the eight securities in the twelve-months-or-more category are (a) four U. S. government securities; (b) two municipal debt obligations; (c) one mortgage-backed security and (b) one collateralized mortgage obligation.
As of December 31, 2014, management believes that the estimated fair values of the securities noted above are primarily dependent on the movement in market interest rates.  These investment securities are comprised of securities that are rated investment grade by at least one bond credit rating service, pools of loans from the Small Business Administration and pools of loans from a government sponsored enterprise.  Management believes that these fair values will recover as the underlying portfolios mature.  The Company does not intend to sell and expects that it is not more likely than not that it will be required to sell the investment securities prior to an anticipated recovery in fair value.  Management does not believe any individual unrealized loss as of December 31, 2014 represents an other-than-temporary impairment.

LOANS_RECEIVABLE_AND_ALLOWANCE

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2014
Loans Receivable And Allowance for Loan Losses [Abstract]
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	NOTE 5 - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
	Loans receivable at December 31, 2014 and 2013 consist of the following:
			2014				2013
			(In thousands)
	Real estate loans:
	One-to-four family		$	150,502			$	149,726
	Multi-family			4,618				284
	Commercial			65,644				79,601
	Construction and land			8,106				8,665
	Home equity loans and credit lines			24,324				26,442
	Commercial			18,223				17,302
	Consumer			773				834
				272,190				282,854
	Deferred loan fees			(107	)			(847	)
	Allowance for loan losses			(4,294	)			(5,853	)
			$	267,789			$	276,154
	Our loans are originated and administered through our loan policies.  We originate one- to four-family residential real estate loans, home equity loans and lines of credit, commercial real estate loans, commercial business loans, construction and land loans, consumer loans and multi-family loans.  Our one- to four-family residential loans also include loans to businesses for commercial purposes which are secured by liens on the borrower’s residence.  We offer fixed-rate, adjustable-rate and balloon loans that amortize with monthly loan payments.  We have not originated or purchased any sub-prime or Alt-A loans.  We have not originated or purchased payment-option ARMs or negative amortizing loans.
	In the normal course of business, the Bank has extended loans to executive officers, directors and principal stockholders, their immediate families and affiliated companies (commonly referred to as related parties) on the same terms including interest rates and collateral as those prevailing at the time for comparable transactions with others.  A summary of loan activity to related parties is as follows (in thousands):
		Balance		Transfers				Additions				Amounts				Balance
		1-Jan-14										Collected				31-Dec-14
	$	846		$	-			$	141			($	491	)		$	496
	The following tables set forth the activity in the allowance for loan losses by portfolio class for the years ended December 31, 2014 and 2013 and the composition of the allowance for loan losses at December 31, 2014 and 2013:
			At or for the year ended December 31, 2014
			Real Estate
	(In thousands)		One-to-				Multi-				Comm-				Con-			Home			Comm-			Con-			Unallo			Total
			four				family				ercial				struc-			equity			ercial			sumer			-cated
			family												tion			and
															and			credit
															land			lines
	Balance at beginning of period		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
	Charge-offs			(526	)			-				(234	)			(76	)		(102	)		(2,389	)		-			-			(3,327	)
	Recoveries			70				-				909				-			30			671			55			-			1,735
	Provision			(554	)			47				(1,270	)			162			36			1,104			(67	)		575			33
	Balance at end of period		$	640			$	50			$	627			$	176		$	239		$	1,229		$	8		$	1,325		$	4,294
	Allowance ending balance
	Related to loans individually evaluated for impairment		$	80			$	-			$	343			$	89		$	53		$	-		$	-		$	-		$	565
	Related to loans collectively evaluated for impairment			560				50				284				87			186			1,229			8			1,325			3,729
	Total allowance		$	640			$	50			$	627			$	176		$	239		$	1,229		$	8		$	1,325		$	4,294
			At or for the year ended December 31, 2013
			Real Estate
	(In thousands)		One-				Multi-				Comm-				Con-			Home			Comm-			Con-			Unallo			Total
			to-				family				ercial				struc-			equity			ercial			sumer			-cated
			four												tion			and
			family												and			credit
															land			lines
	Balance at beginning of period		$	692			$	6			$	1,107			$	138		$	277		$	405		$	21		$	1,500		$	4,146
	Charge-offs			(217	)			-				(1,826	)			(37	)		(258	)		(1,965	)		(14	)		-			(4,317	)
	Recoveries			58				-				-				54			-			203			10			-			325
	Provision			1,117				(3	)			1,941				(65	)		256			3,200			3			(750	)		5,699
	Balance at end of period		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
	Allowance ending balance
	Related to loans individually evaluated for impairment		$	210			$	-			$	9			$	-		$	8		$	1,550		$	-		$	-		$	1,777
	Related to loans collectively evaluated for impairment			1,440				3				1,213				90			267			293			20			750			4,076
	Total allowance		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
	The following table sets forth the related recorded investment in loans receivable by portfolio class individually and collectively evaluated for impairment at December 31, 2014:
	(In thousands)		Individually evaluated for impairment				Collectively evaluated for impairment				Total
	Real estate loans:
	One-to-four family		$	8,605			$	141,897			$	150,502
	Multi-family			-				4,618				4,618
	Commercial			2,714				62,930				65,644
	Construction and land			3,073				5,033				8,106
	Home equity and credit lines			709				23,615				24,324
	Commercial			-				18,223				18,223
	Consumer			-				773				773
Total		$	15,101			$	257,089			$	272,190
The following table sets forth the related recorded investment in loans receivable by portfolio class individually and collectively evaluated for impairment at December 31, 2013:
(In thousands)		Individually evaluated for Impairment				Collectively evaluated for impairment				Total
Real estate loans:
One-to-four family		$	8,933			$	140,793			$	149,726
Multi-family			-				284				284
Commercial			9,452				70,149				79,601
Construction and land			3,323				5,342				8,665
Home equity and credit lines			778				25,664				26,442
Commercial			2,784				14,518				17,302
Consumer			-				834				834
Total		$	25,270			$	257,584			$	282,854
The following table presents the classes of the loan portfolio summarized by the classification rating within the Company’s internal risk rating system as of December 31, 2014:
(In thousands)		Pass				Watch				Special				Substandard			Doubtful			Total
										Mention
Real estate loans:
One-to-four family		$	133,495			$	10,665			$	207			$	6,135		$	-		$	150,502
Multi-family			4,435				183				-				-			-			4,618
Commercial			49,323				10,487				2,676				3,158			-			65,644
Construction and land			3,306				3,624				-				1,176			-			8,106
Home equity and credit lines			22,374				1,206				-				744			-			24,324
Commercial			15,476				2,747				-				-			-			18,223
Consumer			686				42				45				-			-			773
Total		$	229,095			$	28,954			$	2,928			$	11,213		$	-		$	272,190
The following table presents the classes of the loan portfolio summarized by the classification rating within the Company’s internal risk rating system as of December 31, 2013:
(In thousands)		Pass				Watch				Special				Substandard			Doubtful			Total
										Mention
Real estate loans:
One-to-four family		$	130,862			$	7,712			$	1,783			$	9,369		$	-		$	149,726
Multi-family			-				284				-				-			-			284
Commercial			45,181				22,851				3,739				7,830			-			79,601
Construction and land			4,060				1,140				-				3,465			-			8,665
Home equity and credit lines			24,891				597				108				846			-			26,442
Commercial			9,325				1,519				3,674				340			2,444			17,302
Consumer			731				83				20				-			-			834
Total		$	215,050			$	34,186			$	9,324			$	21,850		$	2,444		$	282,854
A loan is considered to be impaired when, based upon current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan.  An insignificant delay or shortfall in the amount of payments does not necessarily result in the loan being identified as impaired.  For this purpose, delays less than 90 days are generally considered to be insignificant.
The following table summarizes information in regards to impaired loans by loan portfolio class as of and for the year ended December 31, 2014:
(In thousands)		Recorded investment				Unpaid				Related Allowance				Average			Interest
						Principal								recorded			income recognized
						Balance								investment
With an allowance recorded:
Real estate loans:
One-to-four family		$	2,197			$	2,365			$	80			$	2,255		$	64
Multi-family			-				-				-				-			-
Commercial			1,964				1,964				343				1,997			28
Construction and land			2,028				2,028				89				2,058			12
Home equity and credit lines			249				277				53				252			1
Commercial			-				-				-				-			46
Consumer			-				-				-				-			-
Total		$	6,438			$	6,634			$	565			$	6,562		$	151
With no related allowance recorded:
Real estate loans:
One-to-four family		$	6,408			$	7,889			$	-			$	6,893		$	131
Multi-family			-				-				-				-			-
Commercial			750				837				-				819			111
Construction and land			1,045				1,123				-				1,080			36
Home equity and credit lines			460				644				-				493			7
Commercial			-				-				-				-			19
Consumer			-				-				-				-			-
Total		$	8,663			$	10,493			$	-			$	9,285		$	304
Total
Real estate loans:
One-to-four family		$	8,605			$	10,254			$	80			$	9,148		$	195
Multi-family			-				-				-				-			-
Commercial			2,714				2,801				343				2,816			139
Construction and land			3,073				3,151				89				3,138			48
Home equity and credit lines			709				921				53				745			8
Commercial			-				-				-				-			65
Consumer			-				-				-				-			-
Total		$	15,101			$	17,127			$	565			$	15,847		$	455
The following table summarizes information in regards to impaired loans by loan portfolio class as of and for the year ended December 31, 2013:
(In thousands)		Recorded investment				Unpaid				Related Allowance				Average			Interest
						Principal								recorded investment			income recognized
						Balance
With an allowance recorded:
Real estate loans:
One-to-four family		$	2,728			$	2,870			$	210			$	2,774		$	59
Multi-family			-				-				-				-			-
Commercial			66				66				9				66			2
Construction and land			-				-				-				-			-
Home equity and credit lines			60				61				8				60			-
Commercial			2,784				3,178				1,550				2,967			17
Consumer							-				-				-			-
Total		$	5,638			$	6,175			$	1,777			$	5,867		$	78
With no related allowance recorded:
Real estate loans:
One-to-four family		$	6,205			$	7,297			$	-			$	6,475		$	199
Multi-family			-				-				-				-			-
Commercial			9,386				12,709				-				10,190			448
Construction and land			3,323				3,325				-				4,071			29
Home equity and credit lines			718				946				-				758			25
Commercial			-				-				-				-			28
Consumer			-				3				-				2			-
Total		$	19,632			$	24,280			$	-			$	21,496		$	729
Total
Real estate loans:
One-to-four family		$	8,933			$	10,167			$	210			$	9,249		$	258
Multi-family			-				-				-				-			-
Commercial			9,452				12,775				9				10,256			450
Construction and land			3,323				3,325				-				4,071			29
Home equity and credit lines			778				1,007				8				818			25
Commercial			2,784				3,178				1,550				2,967			45
Consumer			-				3				-				2			-
Total		$	25,270			$	30,455			$	1,777			$	27,363		$	807
Loans are charged off when the loan is deemed uncollectible.  Loans that are not charged off are placed on non-accrual status when collection of principal or interest is considered doubtful.  Loans are typically placed on non-accrual at the time the loan is 90 days delinquent unless the credit is well secured and in the process of collection.
Non-performing assets and performing troubled debt restructurings (“TDR”) at December 31, 2014 and 2013 were as follows:
		2014				2013
		(In thousands)
Non-accrual loans:
Real estate loans:
One- to four-family		$	5,126			$	5,162
Multi-family			-				-
Commercial			593				5,215
Construction and land			1,046				1,233
Home equity loans and lines of credit			620				715
Commercial			-				1,235
Consumer			-				-
Total non-accrual loans			7,385				13,560
Accruing loans 90 days or more past due:
All loans			-				-
Total non-performing loans			7,385				13,560
Real estate owned			2,220				3,258
Total non-performing assets		$	9,605			$	16,818
Performing troubled debt restructurings:
Real estate loans:
One- to four-family		$	3,430			$	3,464
Multi-family			-				-
Commercial			2,121				4,186
Construction and land			2,028				2,091
Home equity loans and lines of credit			45				45
Commercial			-				-
Consumer			-				-
Total performing troubled debt restructurings			7,624				9,786
Total non-performing assets and performing troubled debt restructurings		$	17,229			$	26,604
Ratios:
Total non-performing loans to total loans			2.71	%			4.79	%
Total non-performing loans to total assets			1.36	%			2.33	%
Total non-performing assets to total assets			1.77	%			2.88	%
At December 31, 2014, non-accrual loans amounted to $7.4 million consisting of 47 one-to four-family real estate loans, four commercial real estate loans, two construction and land loans and twelve home equity loans.  Included in the December 31, 2014 non-accrual amounts are 16 TDRs in the amount of $2.8 million.  They consist of 15 one-to four-family real estate loans, one construction and land loan.    At December 31, 2013, non-accrual loans amounted to $13.6 million consisting of 43 one-to four-family real estate loans, ten commercial real estate loans, three construction and land loans, 15 home equity loans, three non-real estate commercial loans and one consumer loan.  Included in the December 31, 2013 non-accrual amounts are 22 TDRs in the amount of $8.4 million.  They consist of twelve one-to four-family real estate loans, five commercial real estate loans, two construction and land loans and three non-real estate commercial loans.    At December 31, 2014 and 2013, all non-accrual loans were individually evaluated for impairment.
At December 31, 2014, the Bank had nine properties in real estate owned totaling $2.2 million, which is net of an allowance for losses of $1.2 million, consisting of three one- to four-family dwelling units, one commercial property, and five vacant lots.  At December 31, 2013, the Bank had 16 properties in real estate owned totaling $3.3 million, which is net of an allowance for losses of $942,000, consisting of seven one- to four-family dwelling units, two commercial properties, six vacant lots and one dockiminium.  Included in real estate owned at December 31, 2014 and December 31, 2013 is improved land for future branch expansion that was transferred from office properties and equipment during 2012 in the amount of $2.4 million.
At December 31, 2014, in addition to the troubled debt restructurings included in the non-accrual loan totals, the Bank had 26 loans totaling $7.6 million that were considered troubled debt restructurings and classified as impaired.  Three of the loans are commercial real estate and construction and land with a recorded investment of $4.1 million, 22 are one-to four-family loans with a recorded investment of $3.4 million and one is a home equity loan with a recorded investment of $45,000.
At December 31, 2013, in addition to the troubled debt restructurings included in the non-accrual loan totals, the Bank had 29 loans totaling $9.8 million that were considered troubled debt restructurings and classified as impaired.  Six of the loans are commercial real estate, construction and land and multi-family loans with a recorded investment of $6.3 million, 22 are one-to four-family loans with a recorded investment of $3.5 million and one is a home equity loan with a recorded investment of $45,000.
The following table summarizes information in regards to troubled debt restructurings for the year ended December 31, 2014, three of which were interest rate modifications and one of which was a deferment of interest payments; with no debt forgiven:
		Number of			Pre-Modification				Post-Modification
		Contracts			Outstanding Recorded				Outstanding Recorded
					Investments				Investments
		(Dollars in thousands)
Real estate loans:
One- to four-family		4			$	567			$	567
Total		4			$	567			$	567
The following table summarizes information in regards to troubled debt restructurings for the year ended December 31, 2013, all of which were interest rate modifications and no debt was forgiven:
		Number of			Pre-Modification				Post-Modification
		Contracts			Outstanding Recorded				Outstanding Recorded
					Investments				Investments
		(Dollars in thousands)
Real estate loans:
One- to four-family		3			$	458			$	458
Total		3			$	458			$	458
The following table presents troubled debt restructurings with a payment default, with the payment default occurring within 12 months of the restructure date, and the payment default occurring during the year ended December 31, 2014 (of which there were none) and December 31, 2013:
		Number of Contracts			Recorded Investment
		(Dollars in thousands)
Real estate loans:
One- to four-family		1			$	111
Commercial		2				2,982
Total		3			$	3,093
The performance and credit quality of the loan portfolio is monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due.  The follow tables present the classes of the loan portfolio summarized by the past due status at December 31, 2014 and 2013:
At December 31, 2014 (In thousands)		30-59				60-89				90 Days				Total			Current			Total Loans Receivable			Loans
		Days Past				Days				and More				Past Due									Receivable
		Due				Past Due				Past Due													90 Days or
																							More and Accruing
Mortgage loans:
One- to four-family residential		$	1,597			$	724			$	1,621			$	3,942		$	146,560		$	150,502		$	-
Multi-family			-				-				-				-			4,618			4,618			-
Commercial			125				-				119				244			65,400			65,644			-
Construction and land			-				-				-				-			8,106			8,106			-
Home equity loans and credit lines			224				124				446				794			23,530			24,324			-
Commercial			-				-				-				-			18,223			18,223			-
Consumer and other			10				-				-				10			763			773			-
Total		$	1,956			$	848			$	2,186			$	4,990		$	267,200		$	272,190		$	-
At December 31, 2013 (In thousands)		30-59				60-89				90 Days				Total			Current			Total Loans Receivable			Loans
		Days Past				Days				and More				Past Due									Receivable
		Due				Past Due				Past Due													90 Days or
																							More and
																							Accruing
Mortgage loans:
One- to four-family residential		$	3,393			$	2,422			$	3,399			$	9,214		$	140,512		$	149,726		$	-
Multi-family			-				-				-				-			284			284			-
Commercial			62				403				1,054				1,519			78,082			79,601			-
Construction and land			-				-				-				-			8,665			8,665			-
Home equity loans and credit lines			356				15				464				835			25,607			26,442			-
Commercial			-				340				-				340			16,962			17,302			-
Consumer and other			-				-				-				-			834			834			-
Total		$	3,811			$	3,180			$	4,917			$	11,908		$	270,946		$	282,854		$	-

OFFICE_PROPERTIES_AND_EQUIPMEN

OFFICE PROPERTIES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2014
Office Properties and Equipment [Abstract]
OFFICE PROPERTIES AND EQUIPMENT	NOTE 6 – OFFICE PROPERTIES AND EQUIPMENT
	Office properties and equipment at December 31, 2014 and 2013 are summarized by major classification as follows:
		Estimated Useful Life in Years	2014			2013
			(In thousands)
	Land	Indefinite	$	1,705		$	1,705
	Buildings	25		8,694			8,694
	Furniture, fixtures and equipment	3 – 7		3,326			3,245
				13,725			13,644
	Accumulated depreciation			(6,315	)		(5,819	)
			$	7,410		$	7,825

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
Deposits [Abstract]
DEPOSITS	NOTE 7 - DEPOSITS
	Deposits at December 31, 2014 and 2013 consist of the following major classifications (dollars in thousands):
		2014					2013
		Amount		Average			Amount		Average
				Rate					Rate
	Certificates of deposit:
	0.00% - 2.00%	$	64,735		0.68	%	$	70,676		0.66	%
	2.01% - 4.00%		31,288		2.81			35,688		2.83
	4.01% - 6.00%		677		4.57			1,875		4.87
	Total certificates of deposit		96,700		1.4			108,239		1.45
	Non interest-bearing demand		48,341		-			42,739		-
	NOW		150,415		0.41			152,279		0.42
	Super NOW		37,466		0.26			43,740		0.35
	Savings		85,913		0.33			111,219		0.56
	Money market deposit		56,545		0.31			63,811		0.4
		$	475,380		0.53	%	$	522,027		0.62	%
	A summary of certificates of deposit by maturity at December 31, 2014 is as follows (in thousands):
	2015	$	46,069
	2016		24,929
	2017		13,808
	2018		4,273
	2019		6,411
	Thereafter		1,210
		$	96,700
	The aggregate amount of certificates of deposit with a minimum denomination of $100,000 was $36.8 million and $39.2 million at December 31, 2014 and 2013, respectively.
	A summary of interest expense on deposits for the years ended December 31, 2014 and 2013 is as follows:
		2014		2013
		(In thousands)
	NOW and Super NOW	$	735	$	1,185
	Savings		284		632
	Money market demand		164		287
	Certificates of deposit		1,451		1,715
		$	2,634	$	3,819
	At December 31, 2014 and 2013, the Company held deposits for related parties of approximately $453,000 and $588,000, respectively.

FEDERAL_HOME_LOAN_BANK_BORROWI

FEDERAL HOME LOAN BANK BORROWINGS	12 Months Ended
	Dec. 31, 2014
Federal Home Loan Bank Borrowings [Abstract]
FEDERAL HOME LOAN BANK BORROWINGS	NOTE 8 – FEDERAL HOME LOAN BANK BORROWINGS
	There were no Federal Home Loan Bank borrowings outstanding at December 31, 2014 and 2013.
	At December 31, 2014, the Bank had a borrowing capacity of 30% of assets or $162.5 million available from the FHLB, of which nothing was outstanding.

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2014
Income Taxes [Abstract]
INCOME TAXES	NOTE 9 – INCOME TAXES
	Retained earnings include $1.5 million at December 31, 2014 and 2013, for which no provision for federal income tax has been made.  These amounts represent deductions for bad debt reserves for tax purposes which were only allowed to savings institutions which met certain definitional tests prescribed by the Internal Revenue Code of 1986, as amended.  The Small Business Job Protection Act of 1996 eliminated the special bad debt deduction granted solely to thrifts.  Under the terms of the Act, there would be no recapture of the pre-1988 (base year) reserves.  However, these pre-1988 reserves would be subject to recapture under the rules of the Internal Revenue Code if the Bank itself pays a cash dividend in excess of earnings and profits, or liquidates.  The Act also provides for the recapture of deductions arising from the “applicable excess reserve” defined as the total amount of reserve over the base year reserve.
	The income tax provision (benefit) consists of the following for the years ended December 31:
		2014			2013
		(In thousands)
	Current:
	Federal	$	47		$	(1,110	)
	State		6			2
	Total current	$	53		$	(1,108	)
	Deferred		619			(529	)
	Total	$	672		$	(1,637	)
	A reconciliation of the statutory federal income tax at a rate of 34% to the income tax provision (benefit) included in the consolidated statements of operations for the years ended December 31 is as follows (dollars in thousands):
		2014						2013
		Amount			% of			Amount			% of
					Pretax						Pretax
					Income						Income
	Federal income tax at statutory rate	$	410			34	%	$	(1,177	)		(34.0	)%
	State tax, net of federal benefit		184			15.2	%		(297	)		(8.6	)%
	Tax-exempt income		(61	)		(5.1	)%		(154	)		(4.4	)%
	Life insurance income		(144	)		(11.9	)%		(149	)		(4.3	)%
	Non-deductible expense		271			22.5	%		-			-	%
	Other		12			1	%		140			4	%
	Total	$	672			55.7	%	$	(1,637	)		(47.3	)%
	The components of the net deferred tax asset are as follows:
		December 31,
		2014			2013
		(In thousands)
	Deferred tax assets:
	Deferred loan fees	$	15		$	338
	Allowance for loan losses		1,715			2,338
	Securities impairment		125			125
	State net operating loss carryforwards		1,218			1,202
	Capital loss carryforwards		67			73
	Deferred compensation		96			141
	Nonaccrual interest adjustment		216			207
	Allowance for REO losses		476			376
	Depreciation		427			180
	Net unrealized loss on securities available for sale		526			2,468
	AMT Credit		48			-
	Other		122			140
	Total deferred tax assets		5,051			7,588
	Valuation  allowance		(336	)		(312	)
	Total deferred tax liabilities		-			-
	Net Deferred Tax Asset	$	4,715		$	7,276
	The Company has considered future market growth, forecasted earnings, future taxable income and prudent, feasible and permissible tax planning strategies in determining the realizability of deferred tax assets.  If the Company were to determine that it would not be able to realize a portion of its net deferred tax assets in the future, an adjustment to the net deferred tax assets would be charged to earnings in the period such determination was made.
	The Company has New Jersey state net operating loss carryforwards of approximately $19.2 million of which $5.5 million expires from 2014 through 2015 and the balance expires from 2029 through 2032.  New Jersey state net operating losses incurred prior to January 1, 2009 may be carried forward for seven succeeding years, and losses incurred in periods after January 1, 2009 may be carried forward for 20 years.  At December 31, 2014, the Company recorded a valuation allowance of approximately $324,000 against the deferred tax asset attributable to the New Jersey state net operating loss carryover.
	The Company has federal capital loss carryforwards of approximately $195,000 expiring in 2015.  Capital losses may be carried back three years and carried forward five succeeding years.  The Company expects to fully realize the benefit of such carryforwards through tax planning strategies.  The Company has state capital loss carryforwards of $115,000.  At December 31, 2014, the Company has recorded a full valuation allowance of $12,000 for the state capital loss carryforwards.

BENEFIT_PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2014
Benefit Plans [Abstract]
BENEFIT PLANS	NOTE 10 – BENEFIT PLANS
	The Bank has a 401(k) Savings Plan (the “Plan”).  All employees are eligible to participate after completing three months of eligible service.  The employees may contribute up to fifteen percent of their compensation to the Plan.  After one year of service the Bank will match one hundred percent of the first one percent and fifty percent of the next five percent or a maximum of three and one-half percent of total salary.  Full vesting in the Plan is prorated equally over a five-year period.  The Bank’s contributions to the Plan for the years ended December 31, 2014 and 2013 were $88 thousand and $107 thousand, respectively.
	The Bank has an Employee Stock Ownership Plan (“ESOP”) for the benefit of employees who meet the eligibility requirements as defined in the plan.  In 2005, the ESOP trust acquired 156,399 shares of common stock in the initial public offering using proceeds of a loan from the Company.  The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company.  The loan bears an interest rate of 6.00% with principal and interest payable annually in equal installments over fifteen years.  The loan is secured by the shares of the stock purchased.
	In 2010, the ESOP acquired an additional 91,800 shares of the Company’s common stock with a loan from the Company in the amount of $918,000, at a price of $10.00 per share.  The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company.  The loan bears an interest rate of 4.25% with principal and interest payable annually in equal installments over 10 years.  The loan is secured by the shares of the stock purchased.
	As the debt is repaid, shares are released from the collateral account and allocated to qualified employees.  Accordingly, the shares pledged as collateral are reported as unearned ESOP shares in the consolidated statements of financial condition.  As the shares are released from collateral, the Company reports compensation expense equal to the average market price of the shares, and the shares become outstanding for earnings per share computations.  The Company’s compensation expense for the ESOP was $250 thousand and $276 thousand for the years ended December 31, 2014 and 2013, respectively.  The following table presents the components of the ESOP shares:
		December 31,
		2014		2013
	Shares released for allocation		132,156		134,869
	Unreleased shares		93,245		113,330
	Total ESOP shares		225,401		248,199
	Fair value of unreleased shares	$	1,249,483	$	1,507,289

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2014
Stock-Based Compensation [Abstract]
STOCK-BASED COMPENSATION	NOTE 11 – STOCK-BASED COMPENSATION
	In 2006, Board of Directors of Colonial Bankshares, Inc. approved the Colonial Bankshares, Inc. 2006 Stock-based Incentive Plan (the “2006 Plan”).  In 2011, the Board of Directors of Colonial Financial Services, Inc. approved the Colonial Financial Services, Inc. 2011 Equity Incentive Plan (the “2011 Plan”).  Under the 2006 Plan, the Company may grant options to purchase 208,247 shares of Company stock and may grant 83,300 shares of common stock as restricted stock awards.  Under the 2011 Plan, the Company may grant options to purchase 229,500 shares of Company stock and may grant 91,800 shares of common stock as restricted stock awards.
	Both plans enable the Board of Directors to grant stock options to executives, other key employees and nonemployee directors.  The options granted under both plans may be either non-qualified stock options (NQOs) or incentive stock options (ISOs).  Only NQOs may be granted to nonemployee directors under this plan and ISOs may be granted to employees.  No grants may be made more than ten years after adoption of the respective plans.  Options may not be granted with an exercise price that is less than 100% of the fair market value of the Company’s common stock on the date of grant.  Options may not be granted with a term longer than 10 years.  Stock options granted under the plans are subject to limitations under Section 422 of the Internal Revenue Code.  The number of shares available under the plans, the number of shares subject to outstanding options and the exercise price of outstanding options will be adjusted to reflect any stock dividend, stock split, merger, reorganization or other event generally affecting the number of the Company’s outstanding shares.
	On October 19, 2006, 83,300 shares of restricted time-based stock grants were awarded.  The restricted time-based stock grants awarded had a grant date fair value of $13.27 per share.  The restricted time-based stock grants awarded vest 20% annually beginning October 19, 2007.  On January 20, 2011, 3,268 shares of restricted time-based stock grants were awarded.  The restricted time-based stock grants awarded had a grant date fair value of $12.00 per share and vest 33% annually beginning January 20, 2012.  On January 2, 2012, 45,895 shares of restricted time-based stock grants were awarded.  The restricted time-based stock grants had a grant date fair value of $12.46 per shares and vest 20% annually beginning January 2, 2013.  Also, on January 2, 2012, 45,895 shares of restricted performance-based stock grants were awarded.  The restricted performance-based stock grants had a grant date fair value of $12.46 and vest 20% annually with the attainment of the performance goal.  If the goal is not attained for the year, the stock grants are forfeited.  During the years ended December 31, 2014 and 2013, $81 thousand and $81 thousand in compensation expense was recognized in regard to these restricted stock awards, respectively.  During the years ended December 31, 2014 and 2013, there was no expense recognized in regard to the performance-based stock grants.  The tax benefit recognized related to such stock-based compensation was $ 28 thousand and $28 thousand for the years ended December 31, 2014 and 2013.    At December 31, 2014, all of the compensation expense related to the restricted stock awards granted on October 19, 2006 and January 20, 2011 was recognized.  At December 31, 2014, there was $407,000 of unrecognized compensation expense related to the restricted stock awards granted on January 2, 2012 which is expected to be recognized over a period of 2.00 years. At December 31, 2014, there were 5 restricted time-based stock grants and 5 performance-based stock grants unawarded.
		Number of		Weighted
		shares		Average Grant
				Date Fair Value
	Restricted stock, January 1, 2014		52,832	$	12.46
	Granted		-		-
	Forfeited		6,536		12.46
	Vested		7,082		12.43
	Restricted stock, December 31, 2014		39,214	$	12.46
		Number of		Weighted
		shares		Average Grant
				Date Fair Value
	Restricted stock, January 1, 2013		93,970	$	12.46
	Granted		-		-
	Forfeited		30,871		12.45
	Vested		10,267		12.41
	Restricted stock, December 31, 2013		52,832	$	12.46
	On October 19, 2006, options to purchase 184,660 shares of common stock at $13.27 per share were awarded.  The options awarded vest 20% annually beginning October 19, 2007 and expire in 2016.  On January 20, 2011, options to purchase 8,328 shares of common stock at $12.00 per share were awarded.  The options awarded vest 33% annually beginning January 20, 2012 and expire in 2021.  On January 2, 2012, options to purchase 194,600 shares of common stock at $12.46 per share were awarded.  The options awarded vest 20% annually beginning January 2, 2013 and expire in 2022.  The following is a summary of the Company’s stock option activity for the years ended December 31, 2014 and 2013:
		Options		Weighted Average
				Exercise Price
	Outstanding at January 1, 2014		291,343	$	12.87
	Granted		-		-
	Exercised		2,295		12.46
	Forfeitures		30,451		12.95
	Outstanding at December 31, 2014		258,597	$	12.86
	Exercisable at December 31, 2014		175,107	$	13.01
		Options		Weighted Average
				Exercise Price
	Outstanding at January 1, 2013		379,260	$	12.85
	Granted		-		-
	Exercised		-		-
	Forfeitures		87,917		12.79
	Outstanding at December 31, 2013		291,343	$	12.87
	Exercisable at December 31, 2013		184,318	$	13.12
	The fair value of each option grant is estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted average assumptions for grants in 2006:  dividend yield of 0%, risk-free interest rate of 4.79%, expected life of 6.5 years, and expected volatility of 15.00%.  The weighted average fair value of options granted in 2006 was $4.03 per option.  Weighted average contractual term of options outstanding and exercisable was 1.75 years at December 31, 2014.  The following weighted average assumptions were used for pricing the options granted in 2011:  dividend yield of 0%, risk-free interest rate of 3.47%, expected life of 6.5 years and expected volatility of 33.00%.  The calculated fair value of options granted in 2011 was $4.84 per option.  The weighted average contractual term of options outstanding and exercisable was 6.00 years at December 31, 2014.  The following weighted average assumptions were used for pricing the options granted in 2012:  dividend yield of 0%, risk-free interest rate of 1.41%, expected life of 6.5 years and expected volatility of 32.00%.  The calculated fair value of options granted in 2012 was $4.34 per option.  The weighted average contractual term of options outstanding and exercisable was 7.00 years at December 31, 2014.  The options outstanding and exercisable had no aggregate intrinsic value at December 31, 2014 and 2013, respectively.
	Stock-based compensation expense related to stock options granted for the years ended December 31, 2014 and 2013 was $121 thousand and $119 thousand, respectively, with a related tax benefit of $ thousand and $40 thousand, respectively.  At December 31, 2014, all of the compensation cost related to stock options granted on October 19, 2006 and January 20, 2011 was recognized and there was $242,000 of unrecognized compensation cost related to stock options granted on January 2, 2012 which will be recognized over 2.0 years.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 12 – COMMITMENTS AND CONTINGENCIES
	Financial Instruments With Off-Balance Sheet Risk
	The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and letters of credit.  Such commitments involve, to varying degrees, elements of credit, and interest rate risk in excess of the amount recognized in the statements of financial condition.
	The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments.  The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	At December 31, 2014 and 2013, the following financial instruments were outstanding whose contract amounts represent credit risk:
		2014		2013
		(In thousands)
	Commitments to grant loans	$	9,115	$	7,079
	Unfunded commitments under lines of credit		24,769		19,526
	Commitments to purchase SBA/USDA Loans		3,437		-
	Standby letters of credit		3,189		3,040
		$	40,510	$	29,645
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The Bank evaluates each customer’s credit worthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation.  Collateral held varies but generally includes residential or commercial real estate.
	Unfunded commitments under lines of credit are collateralized except for the overdraft protection lines of credit and commercial unsecured lines of credit.  The amount of collateral obtained is based on management’s credit evaluation, and generally includes residential or commercial real estate.  The overdraft protection lines and the commercial unsecured lines of credit total approximately $4.0 million and usually do not contain specified maturity dates and may not be drawn upon to the extent to which the Bank is committed.
	Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.  The majority of these standby letters of credit expire within the next twelve months.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments.  The Bank requires collateral supporting these letters of credit when deemed necessary.  Management believes that the proceeds obtained through liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees.  The current amount of the liability at December 31, 2014 and 2013 for guarantees under letters of credit is not material.
	Litigation
	The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business.
	As of December 31, 2014, the Company is currently involved in a lawsuit by former employee.  On March 4, 2013, Denise Davis filed a civil action against Colonial Federal Savings Bank and John Does 1-5 and 6-10 in Superior Court of New Jersey Cumberland County pursuant to the New Jersey Law Against Discrimination requesting compensatory damages, punitive damages, interest, cost of the suit, attorneys’ fees, enhanced attorney’s fees, equitable reinstatement, equitable back pay and equitable front pay.  Ms. Davis claims to have suffered both non-economic losses for pain, embarrassment, upset and humiliation, as well as economic losses related to unemployment due to her termination.  As of December 31, 2014, the Company is unable to predict an outcome, favorable or unfavorable, or to estimate the amount of any potential loss.
	Except as noted above, we were not involved in any other pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business, which, in the aggregate, involve amounts that we believe are immaterial to our consolidated financial condition, results of operations and cash flows.

REGULATORY_CAPITAL_REQUIREMENT

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2014
Regulatory Capital Requirements [Abstract]
REGULATORY CAPITAL REQUIREMENTS	NOTE 13 – REGULATORY CAPITAL REQUIREMENTS
	The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.  The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors.  Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of tangible and core capital (as defined in the regulations) to total adjusted assets (as defined) and of Tier 1 and total capital (as defined) to risk-weighted assets (as defined).  Management believes, as of December 31, 2014, that the Bank meets all capital adequacy requirements to which it is subject.
	As of December 31, 2014, the most recent notification from the regulators categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action.  To be categorized as well-capitalized, the Bank must maintain minimum tangible, core and risk-based ratios as set forth in the table.  There are no conditions or events since that notification that management believes have changed the Bank’s category.
	In May 2013, the Bank entered into a Formal Agreement (“Agreement”) with the Office of the Comptroller of the Currency that required compliance with certain items within specified timeframes as outlined in the Agreement.  Also, in May 2013, the Bank was notified by the OCC that it established minimum capital ratios for the Bank requiring it to maintain a Tier I capital to adjusted total assets ratio of 9.50%, a Tier I capital to risk-weighted assets ratio of 11.00%, and a Total risk-based capital to risk-based weighted assets ratio of 13.00%.  As of December 31, 2014, Colonial Bank FSB ratios for these items were 11.06%, 23.57% and 24.83%, respectively.
	The Bank’s actual capital amounts and ratios are presented in the table.
		Actual						For Capital Adequacy		To be Well Capitalized
								Purposes		under Prompt Corrective
										Action Provisions
		Amount			Ratio			Amount	Ratio	Amount	Ratio
								(In thousands)
	As of December 31, 2014:
	Tangible Capital (to Adjusted Tangible Assets)	$	59,651		11.06	%		>$8,089	>1.50%	N/A	N/A
	Core Capital (to Adjusted Total Assets)		59,651		11.06	%		>21,571	>4.00%	>$26,963	>5.00%
	Tier 1 Capital (to Risk-Weighted Assets)		59,651		23.57	%		N/A	N/A	>15,184	>6.00%
	Total Capital (to Risk-Weighted Assets)		62,847		24.83	%		>20,246	>8.00%	>25,307	>10.00%
	As of December 31, 2013:
	Tangible Capital (to Adjusted Tangible Assets)	$	56,820		9.74	%		>$8,751	>1.50%	N/A	N/A
	Core Capital (to Adjusted Total Assets)		56,820		9.74	%		>23,335	>4.00%	>$29,169	>5.00%
	Tier 1 Capital (to Risk-Weighted Assets)		56,820		19.19	%		N/A	N/A	>17,769	>6.00%
	Total Capital (to Risk-Weighted Assets)		60,568		20.45	%		>23,693	>8.00%	>29,616	>10.00%
	OCC regulations impose limitations upon all capital distributions by savings institutions, like the Bank, such as dividends and payments to repurchase or otherwise acquire shares.  The Company may not declare or pay cash dividends on or repurchase any of its shares of common stock if the effect thereof would cause stockholders’ equity to be reduced below applicable regulatory capital maintenance requirements, or if such declaration and payments would otherwise violate regulatory requirements.
	The following table reconciles the Bank’s GAAP capital to its regulatory capital as of the dates indicated:
		December 31,
		2014			2013
		(In thousands)
	Total equity capital	$	62,048		$	56,197
	Add: Net unrealized loss (gain) on available-for-sale securities		790			4,477
	Less:  Disallowed deferred tax asset		(3,187	)		(3,854	)
	Tier I Capital	$	59,651		$	56,820
	Add:  Allowance for loan losses includable in Tier 2 capital		3,177			3,729
	Add: Unrealized gains on available-for-sale mutual funds (equity securities)		19			19
	Total risk-based capital	$	62,847		$	60,568
	In accordance with OTS regulations, at the time of the mutual-to-stock conversion, the Company substantially restricted retained earnings by establishing a liquidation account. The liquidation account is maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The Bank established a parallel liquidation account to support the Company’s liquidation account in the event the Company does not have sufficient assets to fund its obligations under its liquidation account. The liquidation accounts will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation accounts. In the event of a complete liquidation of the Bank or the Company, each account holder will be entitled to receive a distribution in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2014
Fair Value Measurements [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 14 – FAIR VALUE OF FINANCIAL INSTRUMENTS
	Management uses its best judgment in estimating the fair value of the Company’s assets and liabilities; however, there are inherent weaknesses in any estimation technique.  Therefore, for substantially all assets and liabilities, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated.  The estimated fair value amounts have been measured as of their respective year-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates.  As such, the estimated fair values of these assets and liabilities subsequent to the respective reporting dates may be different than the amounts reported at each year-end.
	FASB ASC Topic 820 “Fair Value Measurement” establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value.  The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements).  The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows:
	Level 1:	Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.
	Level 2:	Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability.
	Level 3:	Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported with little or no market activity).
	An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
	For assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2014 and 2013 are as follows (dollars in thousands):
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2014			Quoted Prices			Significant Observable Other Inputs		Significant Unobservable Inputs
						in Active
						Markets for Identical Assets
	U. S. government obligations		$	86,944		$	-		$	86,944	$	-
	Mutual funds			892			892			-		-
	Municipal debt obligations			4,012			-			4,012		-
	SBA pools			17,255			-			17,255		-
	GSE mortgage-backed securities			55,306			-			55,306		-
	GSE collateralized mortgage obligations			57,826			-			57,826		-
	Securities available-for-sale		$	222,235		$	892		$	221,343	$	-
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2013			Quoted Prices			Significant Observable Other Inputs		Significant Unobservable Inputs
						in Active
						Markets for Identical Assets
	U. S. government obligations		$	136,783		$	-		$	136,783	$	-
	Corporate debt obligations			4,501			-			4,501		-
	Mutual funds			945			945			-		-
	Municipal debt obligations			6,719			-			6,719		-
	SBA pools			1,093			-			1,093		-
	GSE mortgage-backed securities			15,463			-			15,463		-
	GSE collateralized mortgage obligations			61,622			-			61,622		-
	Securities available-for-sale		$	227,126		$	945		$	226,181	$	-
	For assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2014 and 2013 are as follows (dollars in thousands):
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2014			Quoted Prices			Significant Observable Other		Significant Unobservable Inputs
						in Active			Inputs
						Markets for Identical
						Assets
	Impaired loans		$	11,574		$	-		$	-	$	11,574
	Real estate owned		$	1,884		$	-		$	-	$	1,884
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2013			Quoted Prices			Significant Observable Other		Significant Unobservable Inputs
						in Active			Inputs
						Markets for Identical
						Assets
	Impaired loans		$	13,531		$	-		$	-	$	13,531
	Real estate owned		$	2,600		$	-		$	-	$	2,600
	The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value at December 31, 2014 and 2013:
			Quantitative Information About Level 3 Fair Value Measurements at December 31, 2014
	Description		Fair Value		Valuation		Unobservable	Range (Weighted Average)
			Estimate		Techniques		Input
			(In thousands)
	Impaired loans		$	11,574	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	Real estate owned		$	1,884	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
			Quantitative Information About Level 3 Fair Value Measurements at December 31, 2013
	Description		Fair Value		Valuation		Unobservable	Range (Weighted Average)
			Estimate		Techniques		Input
			(In thousands)
	Impaired loans		$	13,531	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	Real estate owned		$	2,600	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	(1)	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include level 3 inputs which are not identifiable.
-2	Appraisals may be adjusted by management for qualitative factors including estimated liquidation expenses, which are presented above as a percent of the appraisal.
The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful.  The following methods and assumptions were used to estimate the fair values of certain Company assets and liabilities at December 31, 2014 and 2013:
Cash and Amounts Due From Banks (Carried at Cost)
The carrying amounts reported in the balance sheet for cash and amounts due from banks approximate those assets’ fair values.
Investment Securities
The fair value of investment securities available-for-sale (carried at fair value) and held-to-maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices.
Loans Receivable (Carried at Cost)
The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans.  Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal.  Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.
Impaired Loans (Generally Carried at Fair Value)
Impaired loans are those loans for which the Company has measured impairment generally based on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements.  At December 31, 2014 and 2013, the fair value consists of loan balances of $6.4 million and $5.6 million, respectively, net of valuation allowances of $565,000 and $1.8 million, respectively, and loan balances of $7.1 million and $14.0 million, respectively, net of partial charge-offs of $1.4 million and $4.3 million, respectively.
Real Estate Owned
Real estate owned assets are adjusted to fair value less estimated selling costs upon transfer of the loans to other real estate owned.  Subsequently, real estate owned assets are carried at the lower of carrying value or fair value.  Fair value is based upon independent market prices, appraised values of the collateral, or management’s estimation of the value of the collateral.  These assets are included as Level 3 fair values.
Federal Home Loan Bank Stock (Carried at Cost)
The carrying amount of FHLB of New York stock approximates fair value, and considers the limited marketability of such security.
Accrued Interest Receivable and Payable (Carried at Cost)
The carrying amounts of accrued interest receivable and accrued interest payable approximates their fair value.
Deposits (Carried at Cost)
The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).  Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Short-Term Borrowings (Carried at Cost)
The carrying amounts of short-term borrowings approximate their fair values.
Long-Term Borrowings (Carried at Cost)
Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity.  These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party.
Off-Balance Sheet Financial Instruments (Disclosed at Cost)
Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing.  The fair value of these instruments is not material.
The carrying amount estimated fair value of the Company’s assets and liabilities at December 31, 2014 and 2013 are as follows:
		31-Dec-14
		Carrying			Level 1			Level 2		Level 3		Estimated
		amount										Fair Value
		(Amounts in thousands)
Financial assets:
Cash and amounts due from banks		$	16,686		$	16,686		$	-	$	-	$	16,686
Investment securities available-for-sale			222,235			892			221,343		-		222,235
Federal Home Loan Bank stock			503			503			-		-		503
Loans receivable, net			267,789			-			-		268,391		268,391
Accrued interest receivable			1,345			-			1,345		-		1,345
Financial liabilities:
Deposits			475,380			-			476,678		-		476,678
Accrued interest payable			14			-			14		-		14
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit			-			-			-		-		-
		31-Dec-13
		Carrying			Level 1			Level 2		Level 3		Estimated
		amount										Fair Value
		(Amounts in thousands)
Financial assets:
Cash and amounts due from banks		$	23,404		$	23,404		$	-	$	-	$	23,404
Investment securities available-for-sale			227,126			945			226,181		-		227,126
Corporate debt obligations held-to-maturity			1,193			-			1,396		-		1,396
Municipal debt obligations held-to-maturity			15,910			-			16,278		-		16,278
GSE mortgage-backed securities held-to-maturity			188			-			208				208
Federal Home Loan Bank stock			702			702			-		-		702
Loans receivable, net			276,154			-			-		276,861		276,861
Accrued interest receivable			1,530			-			1,530		-		1,530
Financial liabilities:
Deposits			522,027			-			524,104		-		524,104
Accrued interest payable			16			-			16		-		16
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit			-			-			-		-		-

PARENT_COMPANY_ONLY_FINANCIAL_

PARENT COMPANY ONLY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2014
Parent Company Only Financial Information [Abstract]
PARENT COMPANY ONLY FINANCIAL INFORMATION	NOTE 15 – PARENT COMPANY ONLY FINANCIAL INFORMATION
	CONDENSED STATEMENTS OF FINANCIAL CONDITION
		December 31,
		2014			2013
	ASSETS	(In thousands)
	Cash and cash equivalents	$	1,019		$	1,227
	Equity investment in Colonial Bank, FSB		62,048			56,196
	Loan receivable – ESOP		1,133			1,346
	Other assets		119			394
	Total Assets	$	64,319		$	59,163
	LIABILITIES AND STOCKHOLDERS’ EQUITY
	Other liabilities	$	482		$	-
	Total Stockholders’ Equity		63,837			59,163
	Total Liabilities and Stockholders’ Equity	$	64,319		$	59,163
	CONDENSED STATEMENTS OF OPERATIONS
		Years Ended December 31,
		2014			2013
		(In thousands)
	Interest income	$	71		$	81
	Equity in income (loss) of Colonial Bank, FSB		1,915			(1,625	)
	Total income (loss)		1,986			(1,544	)
	General, administrative and other expenses		1,451			281
	Net income (loss)	$	535		$	(1,825	)
	CONDENSED STATEMENTS OF CASH FLOWS
		Years Ended December 31,
		2014			2013
		(In thousands)
	Cash flows from operating activities:
	Net income (loss)	$	535		$	(1,825	)
	Share-based compensation expense		202			200
	Equity in undistributed (income) loss Colonial Bank, FSB		(1,915	)		1,625
	Increase in cash from ESOP loan repayment		213			204
	Decrease (increase) in other assets		275			(14	)
	Increase in other liabilities		482			-
	Net cash (used in) provided by operating activities		(208	)		190
	Cash flows from financing activities:
	Repurchase and retirement of common stock		-			(134	)
	Net cash used in financing activities		-			(134	)
	Net (decrease) increase in cash and cash equivalents		(208	)		56
	Cash and cash equivalents at beginning of period		1,227			1,171
	Cash and cash equivalents at end of period	$	1,019		$	1,227

SUMMARIZED_CONSOLIDATED_QUARTE

SUMMARIZED CONSOLIDATED QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2014
Summarized Consolidated Quarterly Financial Data (Unaudited) [Abstract]
SUMMARIZED CONSOLIDATED QUARTERLY FINANCIAL DATA (UNAUDITED)	NOTE 16 – SUMMARIZED CONSOLIDATED QUARTERLY FINANCIAL DATA (UNAUDITED)
	The following table presents summarized consolidated quarterly data for each of the last two years.  Certain balances may not cross foot due to rounding.
	Three Months Ended:	December 31,			September 30,			June 30,			March 31,
		(Dollars in thousands, except per share data)
	2014
	Total interest income	$	3,762		$	3,782		$	3,882		$	4,110
	Total interest expense		642			654			668			687
	Net interest income		3,120			3,128			3,214			3,423
	Provision for loan losses		(257	)		(258	)		-			548
	Net interest income after provision for loan losses		3,377			3,386			3,214			2,875
	Total non-interest income		621			407			900			398
	Total non-interest expense		3,754			3,679			3,235			3,303
	Income (loss) before income tax (benefit)		244			114			879			(30	)
	Income tax (benefit)		124			285			326			(63	)
	Net income (loss)	$	120		$	(171	)	$	553		$	33
	Basic earnings (loss) per share	$	0.03		$	(0.05	)	$	0.15		$	0.01
	Diluted earnings (loss) per share	$	0.03		$	(0.05	)	$	0.15		$	0.01
	Three Months Ended:	December 31,			September 30,			June 30,			March 31,
		(Dollars in thousands, except per share data)
	2013
	Total interest income	$	4,329		$	4,487		$	4,600		$	4,713
	Total interest expense		818			907			1,045			1,078
	Net interest income		3,511			3,580			3,555			3,635
	Provision for loan losses		159			2,831			2,667			42
	Net interest income after provision for loan losses		3,352			749			888			3,593
	Total non-interest income		425			429			1,386			515
	Total non-interest expense		3,694			3,823			3,850			3,432
	Income (loss) before income tax (benefit)		83			(2,645	)		(1,576	)		676
	Income tax (benefit)		(523	)		(697	)		(596	)		179
	Net income (loss)	$	606		$	(1,948	)	$	(980	)	$	497
	Basic earnings (loss) per share	$	0.16		$	(0.52	)	$	(0.26	)	$	0.13
	Diluted earnings (loss) per share	$	0.16		$	(0.52	)	$	(0.26	)	$	0.13

PENDING_ACQUISITION

PENDING ACQUISITION	12 Months Ended
	Dec. 31, 2014
Business Combinations [Abstract]
PENDING ACQUISITION	NOTE 17 – PENDING ACQUISITION
	On September 10, 2014, the Company, entered into an Agreement and Plan of Merger (the “Agreement”) with Cape Bancorp (NASDAQ: “CBNJ”). The Agreement provides that, upon the terms and subject to the conditions set forth therein, the Company will merge with and into Cape Bancorp, with Cape Bancorp continuing as the surviving entity. Upon consummation of the transaction, the Bank will merge with and into Cape Bank, a wholly-owned subsidiary of Cape Bancorp, with Cape Bank continuing as the surviving Bank. Under the Agreement, each shareholder of Colonial, subject to potential adjustments at closing, will be entitled to elect to receive either $14.50 per share in cash or 1.412 shares of Cape Bancorp’s common stock, subject to 50% of the shares being exchanged for stock and 50% for cash. Based on Cape Bancorp’s stock price of $10.06, as of September 9, 2014, the transaction is valued at approximately $55.0 million. On January 26, 2015, Cape Bancorp announced that the acquisition of the Company received approval from the Federal Deposit Insurance Corporation, the Federal Reserve Bank of Philadelphia, and the New Jersey Department of Banking and Insurance. The transaction is subject to receipt of Colonial shareholder approval and Cape Bancorp shareholder approval. The Company expects the transaction to close early in the second quarter of 2015. At closing, two current members of the Colonial Board of Directors, Mr. Gregory J. Facemyer and Hugh J. McCaffrey will be added to the Boards of Directors of Cape and Cape Bank.

SIGNIFICANT_ACCOUNTING_POLICIE1

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation
	The consolidated financial statements include the accounts of Colonial Financial Services, Inc., its wholly-owned subsidiary, Colonial Bank, FSB and the Bank’s wholly-owned subsidiary, Cohansey Bridge, LLC.  All material intercompany transactions and balances have been eliminated in the consolidated financial statements.
Use Of Estimates	Use of Estimates
	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“US GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period.  Actual results could differ 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 evaluation of other than temporary impairment of investment securities and the valuation of real estate owned and deferred tax assets.
Significant Group Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk
	Most of the Bank’s activities are with customers located within Southern New Jersey.  Note 4 discusses the types of investment securities that the Bank invests in.  Note 5 discuss the types of lending that the Bank engages in.  The Bank does not have any significant concentrations to any one industry or customer.  Although the Bank has a diversified portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy.
Cash and Cash Equivalents	Cash and Cash Equivalents
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand and amounts due from banks.
	The Company and the Bank maintain cash deposits in other depository institutions that occasionally exceed the amount of deposit insurance available.  Management periodically assesses the financial condition of these institutions and believes that the risk of any possible credit loss is minimal.
	The Bank is required to maintain average reserve balances in vault cash and with the Federal Home Loan Bank based upon outstanding balances of deposit transaction accounts.  No reserve balance was required at December 31, 2014 and 2013.
Investment Securities	Investment Securities
	Securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums, or unaccreted discounts.  Premiums are amortized and discounts are accreted using a method which produces results which approximate the interest method over the estimated remaining term of the underlying security.
	Securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and the yield of alternative investments are classified as available for sale.  These securities are carried at estimated fair value, which is determined using published quotes where available.  If published quotes are not available, fair values are based on quoted market prices of comparable instruments.  Unrealized gains and losses are excluded from earnings and are reported net of tax in other comprehensive income (loss).  Realized gains and losses are included in the statements of operations and are determined based on the adjusted cost of the specific security sold.
	Management determines the appropriate classification of debt securities at the time of purchase and reevaluates such designation as of each statement of financial condition date.
	Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) whether or not the Company intends to sell or expects that it is more likely than not that it will be required to sell the security prior to an anticipated recovery in fair value.  Once a decline in value for a debt security is determined to be other-than-temporary, the other-than-temporary impairment is separated in (a) the amount of total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of other-than-temporary impairment related to all other factors.  The amount of the total other-than-temporary impairment related to credit loss is recognized in earnings.  The amount of other-than-temporary impairment related to other factors is recognized in other comprehensive income (loss).  For equity securities, the full amount of the other-than-temporary impairment is recognized in earnings.
Loans Receivable	Loans Receivable
	The Bank grants mortgage, commercial and consumer loans to customers.  A substantial portion of the loan portfolio is represented by mortgage loans throughout the counties of Cumberland and Gloucester of New Jersey.  The ability of the Bank’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.
	Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Company is generally amortizing these amounts over the contractual life of the loan.  Premiums and discounts on purchased loans are amortized as adjustments to interest income using the effective yield method.
	The loans receivable portfolio is segmented into commercial and consumer loans.  Commercial loans consist of the following classes: multi-family, commercial real estate, construction and land and commercial non-real estate.  Consumer loans consist of the following classes: 1-4 family, home equity loans and credit lines and other consumer loans.
	For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income is reversed.  Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt.  The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments.
Allowance for Loan Losses	Allowance for Loan Losses
	The allowance for loan losses represents management’s estimate of losses inherent in the loan portfolio as of the statement of financial condition date and is recorded as a reduction to loans.  The allowance for credit losses is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely.  Non-residential real estate consumer loans are generally charged off no later than 120 days past due on a contractual basis, earlier in the event of bankruptcy, or if there is an amount deemed uncollectible.  Because all identified losses are immediately charged off, no portion of the allowance for loan losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses.
	The allowance for credit losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance.  The allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available.
	The allowance consists of specific, general and unallocated components. The specific component relates to loans that are classified as impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers pools of loans by loan class including commercial loans not considered impaired, as well as smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans.  These pools of loans are evaluated for loss exposure based upon historical loss rates for each of these categories of loans, adjusted for qualitative factors.  These qualitative risk factors include:
		●	Lending policies and procedures, including underwriting standards and collection, charge-off, and recovery practices.
		●	National, regional, and local economic and business conditions as well as the condition of various market segments, including the value of underlying collateral for collateral dependent loans.
		●	Nature and volume of the portfolio and terms of loans.
		●	Experience, ability, and depth of lending management and staff.
		●	Volume and severity of past due, classified and nonaccrual loans as well as other loan modifications.
		●	Quality of the Company’s loan review system, and the degree of oversight by the Company’s Board of Directors.
		●	Existence and effect of any concentrations of credit and changes in the level of such concentrations.
		●	Effect of external factors, such as competition and legal and regulatory requirements.
	Each factor is assigned a value to reflect improving, stable or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss calculation.
	One-to four-family real estate loans involve certain risks such as interest rate risk and risk of non repayment.  Adjustable-rate single family real estate loans pose interest rate risk to the Bank that is associated with changes in interest rates but involve other risks, primarily because as interest rates rise, the payment by the borrower rises to the extent permitted by the terms of the loan, thereby increasing the potential of default.  At the same time, the marketability of the underlying property may be adversely affected by higher interest rates.  Repayment risk can be affected by job loss, divorce, illness, personal bankruptcy of the borrower and regional or local economic conditions.
	Multi-family and commercial real estate lending entails significant risks.  Such loans typically involve large loan balances to single borrowers or group of borrowers.  The payment experience on such loans is typically dependent on the successful operation of the real estate project.  The success of such projects is sensitive to changes in supply and demand conditions in the market for multi-family and commercial real estate as well as economic conditions.
	Construction lending is generally considered higher risk.  A construction loan can involve additional risks because of the inherent difficulty in estimating both a property’s value at completion of the project and the estimated cost (including interest) in the project.
	Commercial business lending is generally considered higher risk than commercial real estate lending.  Commercial business loans are primarily secured by inventories and non-real estate assets.  In most cases, any repossessed collateral for a defaulted commercial business loan will not provide an adequate source of repayment of the outstanding loan balance.
	Consumer loans generally have shorter terms and higher interest rates than other lending but generally involve more credit risk because of the type and nature of the collateral and, in certain cases, the absence of collateral.  In addition, consumer lending collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely effected by job loss, divorce, illness and personal bankruptcy.  In most cases, any repossessed collateral for a defaulted consumer loan will most likely not provide an adequate source of repayment of the outstanding loan.
	An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial non-real estate loans, commercial real estate loans and construction and land loans.  The fair value of impaired collateral dependent loans is estimated using an appraisal of the collateral less estimated liquidation expenses or discounted cash flows for non-collateral dependent loans.  Those impaired loans not requiring a write-down represent loans for which the fair value of the collateral or expected repayments exceeds the recorded investment in such loans.  Impaired loans are charged-off or an allowance is established to the estimated fair value if its carrying value exceeds its estimated fair value.
	For commercial loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property.
	For commercial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.
	Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual residential mortgage loans, home equity loans and other consumer loans for impairment, unless such loans are the subject of a troubled debt restructuring agreement.
	Loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve a temporary reduction in interest rate or an extension of a loan’s stated maturity date. Non-accrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification.   Loans classified as troubled debt restructurings are designated as impaired.
	The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower’s overall financial condition, repayment sources, guarantors and value of collateral, if appropriate, are evaluated annually for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial and consumer loans.  Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loan classified as watch exhibit some of the following traits:  policy exceptions, documentation concerns, lack of financial statements or declining financial ratios, or pay slowly but never delinquent more than 30 days.  At the time of the classification no loss is expected.  Loans classified special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.   Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.    Loans not classified are rated pass.
	In addition, Federal regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management’s comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock
	Federal Home Loan Bank of New York (“FHLB”) Stock, which represents required investment in the common stock of a correspondent bank, is carried at cost.
	The Company evaluates the FHLB stock for impairment.  Management’s determination of whether this investment is impaired is based on its assessment of the ultimate recoverability of the cost rather than by recognizing temporary declines in value. The determination of whether a decline affects the ultimate recoverability of the cost is influenced by criteria such as (1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount for the FHLB and the length of time the decline has persisted, (2) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance of the FHLB, and (3) the impact of legislative and regulatory changes on institutions and, accordingly, on the customer base of the FHLB.
	Management believes no impairment charge is necessary related to the FHLB stock at December 31, 2014 and 2013.
Real Estate Owned	Real Estate Owned
	Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis.  Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell.  Revenue and expenses from operations and changes in the valuation allowance are included in non-interest expense on the consolidated statement of operations.  Also included in real estate owned are properties originally acquired by the Bank for future expansion.
Office Properties and Equipment	Office Properties and Equipment
	Office properties and equipment are recorded at cost.  Depreciation is computed using the straight-line method over the expected useful lives of the related assets.
Transfers of Financial Assets	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered.  Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Bank, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Bank does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Bank-Owned Life Insurance	Bank-Owned Life Insurance
	The Bank invests in bank owned life insurance (“BOLI”) as a source of funding for employee benefit expenses.  BOLI involves the purchasing of life insurance by the Bank on a chosen group of employees and directors.  The Bank is the owner of the policies and shares proceeds of the policies in a split dollar arrangement with the beneficiary of the insured employee or director.  The amount of the split dollar arrangement is equal to three times the annual base salary of the insured at the time of his or her death less $50,000 for employees and $250,000 for directors.  This life insurance investment is carried at the cash surrender value of the underlying policies.  Income from the increase in cash surrender value of the policies is included in non-interest income on the consolidated statements of operations.
Advertising Costs	Advertising Costs
	The Bank follows the policy of charging the costs of advertising to expense as incurred.
Stock Compensation Plans	Stock Compensation Plans
	Stock compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in financial statements.  That cost will be measured based on the grant date fair value of the equity or liability instruments issued.  The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees’ service period, generally defined as the vesting period.  For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.  For performance based awards, compensation cost is recognized on a straight-line basis over the requisite service period if the goal is attained.  A black-sholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards.
Income Taxes	Income Taxes
	Income tax accounting guidance results in two components of income tax expense (benefit): current and deferred. Current income tax expense (benefit) reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur.
	Deferred income tax expense (benefit) results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of the evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
	The Company accounts for uncertain tax positions if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment.
	The Company recognizes interest and penalties on income taxes, if any, as a component of the provision for income taxes.  In general, the Company remains open to examination for tax years 2011 and after for federal and for tax years after 2012 for state.
Earnings Per Share	Earnings Per Share
	Basic earnings per share (“EPS”) is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as unvested restricted stock awards and outstanding stock options, were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company. Diluted EPS is calculated by adjusting the weighted average number of shares on common stock outstanding to include the effect of contracts or securities exercisable or which could be converted into common stock, if dilutive, using the treasury stock method.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments
	In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit.  Such financial instruments are recorded in the statements of financial condition when they are funded.
Recent Accounting Pronouncements	Recent Accounting Pronouncements
	In August 2014, the FASB issued ASU, 2014-14, “Receivables-Troubled Debt Restructurings by Creditors, Classification of Certain Government-guaranteed Mortgage Loans upon Foreclosure.” The amendments in this update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: 1) the loan has a government guarantee that is not separable from the loan before foreclosure; 2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim; 3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The amendments in this update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
	In June 2014, the FASB issued ASU, 2014-12, “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period”. The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. A reporting entity should apply existing guidance in Topic 718 as it relates to awards with performance conditions that affect vesting to account for such awards. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. Compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent the compensation cost attributable to the period(s) for which the requisite service has already been rendered. If the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service period. The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. As indicated in the definition of vest, the stated vesting period (which includes the period in which the performance target could be achieved) may differ from the requisite service period. The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
	In May 2014, the FASB issued ASU, 2014-09, “Revenue from Contracts with Customers.” The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps:
	Step 1: Identify the contract(s) with a customer.
	Step 2: Identify the performance obligations in the contract.
	Step 3: Determine the transaction price.
	Step 4: Allocate the transaction price to the performance obligations in the contract.
	Step 5: Recognize revenue when (or as) the entity satisfies a performance obligation.
	The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.
	In January 2014, the FASB issued ASU 2014-04 “Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40.” The amendments in this update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for annual period and interim periods within those annual periods beginning after December 15, 2014. The Company does not expect the adoption of this FASB ASU to have a material impact on the consolidated financial statements.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2014
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share
		December 31,
		2014			2013
	Net Income (Loss)	$	535,000		$	(1,825,000	)
	Weighted average common shares issued		3,860,104			3,853,167
	Average unearned ESOP shares		(113,275	)		(133,360	)
	Weighted average common shares outstanding – basic		3,746,829			3,719,807
	Effect of dilutive non-vested shares and stock options outstanding		6,495			-
	Weighted average common shares outstanding – diluted		3,753,324			3,719,807
	Income (Loss) per share-basic	$	0.14		$	(0.49	)
	Income (Loss) per share-diluted	$	0.14		$	(0.49	)

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2014
Investment Securities [Abstract]
Schedule of summary of investment securities
		Amortized		Gross		Gross			Fair Value
		Cost		Unrealized		Unrealized
				Gains		Losses
		(In thousands)
	Available for Sale:
	31-Dec-14
	U. S. Government obligations	$	88,315	$	18	$	(1,389	)	$	86,944
	Mutual funds		850		42		-			892
	Municipal debt obligations		4,038		6		(32	)		4,012
	SBA pools		17,255		62		(62	)		17,255
	Government-sponsored enterprise (“GSE”) mortgage-backed securities		54,519		835		(48	)		55,306
	GSE collateralized mortgage obligations		58,574		194		(942	)		57,826
		$	223,551	$	1,157	$	(2,473	)	$	222,235
	31-Dec-13
	U. S. Government obligations	$	141,836	$	16	$	(5,069	)	$	136,783
	Corporate debt obligations		4,493		12		(4	)		4,501
	Mutual funds		903		42		-			945
	Municipal debt obligations		6, 828		35		(144	)		6,719
	SBA pools		1,097		-		(4	)		1,093
	GSE mortgage-backed securities		14,794		752		(83	)		15,463
	GSE collateralized mortgage obligations		64,120		190		(2,688	)		61,622
		$	234,071	$	1,047	$	(7,992	)	$	227,126
	Held to Maturity:
	31-Dec-13
	Corporate debt obligations	$	1,193	$	203	$	-		$	1,396
	Municipal debt obligations		15,910		368		-			16,278
	GSE mortgage-backed securities		188		20		-			208
		$	17,291	$	591	$	-		$	17,882
Schedule of amortized cost and estimated fair value of investment securities, by contractual maturity	The amortized cost and estimated fair value of investment securities at December 31, 2014, by contractual maturity, are shown below.
		Available for Sale
		Amortized		Fair Value
		Cost
		(In thousands)
	Due in one year or less	$	1,156	$	1,198
	Due after one year through five years		60,711		59,904
	Due after five year through ten years		31,521		30,930
	Due thereafter		17,070		17,071
			110,458		109,103
	GSE mortgage-backed securities and GSE collateralized mortgage obligations		113,093		113,132
	Total	$	223,551	$	222,235
Schedule of available for sale investments' gross unrealized losses and fair value in a continuous unrealized loss position
	At December 31, 2014	Less than 12 months				12 months or more					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(In thousands)
	U. S. Government obligations	$	41,466	$	490	$	43,460		$	899	$	84,926	$	1,389
	Municipal debt obligations		871		10		834			22		1,705		32
	SBA pools		4,445		62		-			-		4,445		62
	GSE mortgage-backed securities		15,902		48		-			-		15,902		48
	GSE collateralized mortgage obligations		3,428		81		31,281			861		34,709		942
	Total	$	66,112	$	691	$	75,575		$	1,782	$	141,687	$	2,473
	At December 31, 2013	Less than 12 months				12 months or more					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(In thousands)
	U. S. Government obligations	$	126,055	$	4,590	$	8,006		$	479	$	134,061	$	5,069
	Corporate debt obligations		1,497		4		-			-		1,497		4
	Municipal debt obligations		3,319		123		565			21		3,884		144
	SBA pools		1,093		4		-			-		1,093		4
	GSE mortgage-backed securities		1,629		82		33			1		1,662		83
	GSE collateralized mortgage obligations		46,346		2,628		781			60		47,127		2,688
	Total	$	179,939	$	7,431	$	9,385		$	561	$	189,324	$	7,992

LOANS_RECEIVABLE_AND_ALLOWANCE1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2014
Loans Receivable And Allowance for Loan Losses [Abstract]
Schedule of loans receivable
			2014				2013
			(In thousands)
	Real estate loans:
	One-to-four family		$	150,502			$	149,726
	Multi-family			4,618				284
	Commercial			65,644				79,601
	Construction and land			8,106				8,665
	Home equity loans and credit lines			24,324				26,442
	Commercial			18,223				17,302
	Consumer			773				834
				272,190				282,854
	Deferred loan fees			(107	)			(847	)
	Allowance for loan losses			(4,294	)			(5,853	)
			$	267,789			$	276,154
Schedule of summary of loan activity to related parties
		Balance		Transfers				Additions				Amounts				Balance
		1-Jan-14										Collected				31-Dec-14
	$	846		$	-			$	141			($	491	)		$	496
Schedule of activity in the allowance for loan losses by portfolio segment
			At or for the year ended December 31, 2014
			Real Estate
	(In thousands)		One-to-				Multi-				Comm-				Con-			Home			Comm-			Con-			Unallo			Total
			four				family				ercial				struc-			equity			ercial			sumer			-cated
			family												tion			and
															and			credit
															land			lines
	Balance at beginning of period		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
	Charge-offs			(526	)			-				(234	)			(76	)		(102	)		(2,389	)		-			-			(3,327	)
	Recoveries			70				-				909				-			30			671			55			-			1,735
	Provision			(554	)			47				(1,270	)			162			36			1,104			(67	)		575			33
	Balance at end of period		$	640			$	50			$	627			$	176		$	239		$	1,229		$	8		$	1,325		$	4,294
	Allowance ending balance
	Related to loans individually evaluated for impairment		$	80			$	-			$	343			$	89		$	53		$	-		$	-		$	-		$	565
	Related to loans collectively evaluated for impairment			560				50				284				87			186			1,229			8			1,325			3,729
	Total allowance		$	640			$	50			$	627			$	176		$	239		$	1,229		$	8		$	1,325		$	4,294
			At or for the year ended December 31, 2013
			Real Estate
	(In thousands)		One-				Multi-				Comm-				Con-			Home			Comm-			Con-			Unallo			Total
			to-				family				ercial				struc-			equity			ercial			sumer			-cated
			four												tion			and
			family												and			credit
															land			lines
	Balance at beginning of period		$	692			$	6			$	1,107			$	138		$	277		$	405		$	21		$	1,500		$	4,146
	Charge-offs			(217	)			-				(1,826	)			(37	)		(258	)		(1,965	)		(14	)		-			(4,317	)
	Recoveries			58				-				-				54			-			203			10			-			325
	Provision			1,117				(3	)			1,941				(65	)		256			3,200			3			(750	)		5,699
	Balance at end of period		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
	Allowance ending balance
	Related to loans individually evaluated for impairment		$	210			$	-			$	9			$	-		$	8		$	1,550		$	-		$	-		$	1,777
	Related to loans collectively evaluated for impairment			1,440				3				1,213				90			267			293			20			750			4,076
	Total allowance		$	1,650			$	3			$	1,222			$	90		$	275		$	1,843		$	20		$	750		$	5,853
Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	The following table sets forth the related recorded investment in loans receivable by portfolio class individually and collectively evaluated for impairment at December 31, 2014:
	(In thousands)		Individually evaluated for impairment				Collectively evaluated for impairment				Total
	Real estate loans:
	One-to-four family		$	8,605			$	141,897			$	150,502
	Multi-family			-				4,618				4,618
	Commercial			2,714				62,930				65,644
	Construction and land			3,073				5,033				8,106
	Home equity and credit lines			709				23,615				24,324
	Commercial			-				18,223				18,223
	Consumer			-				773				773
	Total		$	15,101			$	257,089			$	272,190
	The following table sets forth the related recorded investment in loans receivable by portfolio class individually and collectively evaluated for impairment at December 31, 2013:
	(In thousands)		Individually evaluated for Impairment				Collectively evaluated for impairment				Total
	Real estate loans:
	One-to-four family		$	8,933			$	140,793			$	149,726
	Multi-family			-				284				284
	Commercial			9,452				70,149				79,601
	Construction and land			3,323				5,342				8,665
	Home equity and credit lines			778				25,664				26,442
	Commercial			2,784				14,518				17,302
	Consumer			-				834				834
	Total		$	25,270			$	257,584			$	282,854
Schedule of classes of the loan portfolio summarized by the classification rating within the company's internal risk rating system	The following table presents the classes of the loan portfolio summarized by the classification rating within the Company’s internal risk rating system as of December 31, 2014:
	(In thousands)		Pass				Watch				Special				Substandard			Doubtful			Total
											Mention
	Real estate loans:
	One-to-four family		$	133,495			$	10,665			$	207			$	6,135		$	-		$	150,502
	Multi-family			4,435				183				-				-			-			4,618
	Commercial			49,323				10,487				2,676				3,158			-			65,644
	Construction and land			3,306				3,624				-				1,176			-			8,106
	Home equity and credit lines			22,374				1,206				-				744			-			24,324
	Commercial			15,476				2,747				-				-			-			18,223
	Consumer			686				42				45				-			-			773
	Total		$	229,095			$	28,954			$	2,928			$	11,213		$	-		$	272,190
	The following table presents the classes of the loan portfolio summarized by the classification rating within the Company’s internal risk rating system as of December 31, 2013:
	(In thousands)		Pass				Watch				Special				Substandard			Doubtful			Total
											Mention
	Real estate loans:
	One-to-four family		$	130,862			$	7,712			$	1,783			$	9,369		$	-		$	149,726
	Multi-family			-				284				-				-			-			284
	Commercial			45,181				22,851				3,739				7,830			-			79,601
	Construction and land			4,060				1,140				-				3,465			-			8,665
	Home equity and credit lines			24,891				597				108				846			-			26,442
	Commercial			9,325				1,519				3,674				340			2,444			17,302
	Consumer			731				83				20				-			-			834
	Total		$	215,050			$	34,186			$	9,324			$	21,850		$	2,444		$	282,854
Schedule of information in regards to impaired loans by loan portfolio class	The following table summarizes information in regards to impaired loans by loan portfolio class as of and for the year ended December 31, 2014:
	(In thousands)		Recorded investment				Unpaid				Related Allowance				Average			Interest
							Principal								recorded			income recognized
							Balance								investment
	With an allowance recorded:
	Real estate loans:
	One-to-four family		$	2,197			$	2,365			$	80			$	2,255		$	64
	Multi-family			-				-				-				-			-
	Commercial			1,964				1,964				343				1,997			28
	Construction and land			2,028				2,028				89				2,058			12
	Home equity and credit lines			249				277				53				252			1
	Commercial			-				-				-				-			46
	Consumer			-				-				-				-			-
	Total		$	6,438			$	6,634			$	565			$	6,562		$	151
	With no related allowance recorded:
	Real estate loans:
	One-to-four family		$	6,408			$	7,889			$	-			$	6,893		$	131
	Multi-family			-				-				-				-			-
	Commercial			750				837				-				819			111
	Construction and land			1,045				1,123				-				1,080			36
	Home equity and credit lines			460				644				-				493			7
	Commercial			-				-				-				-			19
	Consumer			-				-				-				-			-
	Total		$	8,663			$	10,493			$	-			$	9,285		$	304
	Total
	Real estate loans:
	One-to-four family		$	8,605			$	10,254			$	80			$	9,148		$	195
	Multi-family			-				-				-				-			-
	Commercial			2,714				2,801				343				2,816			139
	Construction and land			3,073				3,151				89				3,138			48
	Home equity and credit lines			709				921				53				745			8
	Commercial			-				-				-				-			65
	Consumer			-				-				-				-			-
	Total		$	15,101			$	17,127			$	565			$	15,847		$	455
	The following table summarizes information in regards to impaired loans by loan portfolio class as of and for the year ended December 31, 2013:
	(In thousands)		Recorded investment				Unpaid				Related Allowance				Average			Interest
							Principal								recorded investment			income recognized
							Balance
	With an allowance recorded:
	Real estate loans:
	One-to-four family		$	2,728			$	2,870			$	210			$	2,774		$	59
	Multi-family			-				-				-				-			-
	Commercial			66				66				9				66			2
	Construction and land			-				-				-				-			-
	Home equity and credit lines			60				61				8				60			-
	Commercial			2,784				3,178				1,550				2,967			17
	Consumer							-				-				-			-
	Total		$	5,638			$	6,175			$	1,777			$	5,867		$	78
	With no related allowance recorded:
	Real estate loans:
	One-to-four family		$	6,205			$	7,297			$	-			$	6,475		$	199
	Multi-family			-				-				-				-			-
	Commercial			9,386				12,709				-				10,190			448
	Construction and land			3,323				3,325				-				4,071			29
	Home equity and credit lines			718				946				-				758			25
	Commercial			-				-				-				-			28
	Consumer			-				3				-				2			-
	Total		$	19,632			$	24,280			$	-			$	21,496		$	729
	Total
	Real estate loans:
	One-to-four family		$	8,933			$	10,167			$	210			$	9,249		$	258
	Multi-family			-				-				-				-			-
	Commercial			9,452				12,775				9				10,256			450
	Construction and land			3,323				3,325				-				4,071			29
Home equity and credit lines			778				1,007				8				818			25
Commercial			2,784				3,178				1,550				2,967			45
Consumer			-				3				-				2			-
Total		$	25,270			$	30,455			$	1,777			$	27,363		$	807
Schedule of non-performing assets and performing troubled debt restructurings ('TDR')
			2014				2013
			(In thousands)
	Non-accrual loans:
	Real estate loans:
	One- to four-family		$	5,126			$	5,162
	Multi-family			-				-
	Commercial			593				5,215
	Construction and land			1,046				1,233
	Home equity loans and lines of credit			620				715
	Commercial			-				1,235
	Consumer			-				-
	Total non-accrual loans			7,385				13,560
	Accruing loans 90 days or more past due:
	All loans			-				-
	Total non-performing loans			7,385				13,560
	Real estate owned			2,220				3,258
	Total non-performing assets		$	9,605			$	16,818
	Performing troubled debt restructurings:
	Real estate loans:
	One- to four-family		$	3,430			$	3,464
	Multi-family			-				-
	Commercial			2,121				4,186
	Construction and land			2,028				2,091
	Home equity loans and lines of credit			45				45
	Commercial			-				-
	Consumer			-				-
	Total performing troubled debt restructurings			7,624				9,786
	Total non-performing assets and performing troubled debt restructurings		$	17,229			$	26,604
	Ratios:
	Total non-performing loans to total loans			2.71	%			4.79	%
	Total non-performing loans to total assets			1.36	%			2.33	%
	Total non-performing assets to total assets			1.77	%			2.88	%
Schedule of troubled debt restructurings of modified outstanding recorded investments	The following table summarizes information in regards to troubled debt restructurings for the year ended December 31, 2014, three of which were interest rate modifications and one of which was a deferment of interest payments; with no debt forgiven:
			Number of			Pre-Modification				Post-Modification
			Contracts			Outstanding Recorded				Outstanding Recorded
						Investments				Investments
			(Dollars in thousands)
	Real estate loans:
	One- to four-family		4			$	567			$	567
	Total		4			$	567			$	567
	The following table summarizes information in regards to troubled debt restructurings for the year ended December 31, 2013, all of which were interest rate modifications and no debt was forgiven:
			Number of			Pre-Modification				Post-Modification
			Contracts			Outstanding Recorded				Outstanding Recorded
						Investments				Investments
			(Dollars in thousands)
	Real estate loans:
	One- to four-family		3			$	458			$	458
	Total		3			$	458			$	458
Schedule of troubled debt restructurings with a payment default	The following table presents troubled debt restructurings with a payment default, with the payment default occurring within 12 months of the restructure date, and the payment default occurring during the year ended December 31, 2014 (of which there were none) and December 31, 2013:
			Number of Contracts			Recorded Investment
			(Dollars in thousands)
	Real estate loans:
	One- to four-family		1			$	111
	Commercial		2				2,982
	Total		3			$	3,093
Schedule of classes of the loan portfolio summarized by the past due status
	At December 31, 2014 (In thousands)		30-59				60-89				90 Days				Total			Current			Total Loans Receivable			Loans
			Days Past				Days				and More				Past Due									Receivable
			Due				Past Due				Past Due													90 Days or
																								More and Accruing
	Mortgage loans:
	One- to four-family residential		$	1,597			$	724			$	1,621			$	3,942		$	146,560		$	150,502		$	-
	Multi-family			-				-				-				-			4,618			4,618			-
	Commercial			125				-				119				244			65,400			65,644			-
	Construction and land			-				-				-				-			8,106			8,106			-
	Home equity loans and credit lines			224				124				446				794			23,530			24,324			-
	Commercial			-				-				-				-			18,223			18,223			-
	Consumer and other			10				-				-				10			763			773			-
	Total		$	1,956			$	848			$	2,186			$	4,990		$	267,200		$	272,190		$	-
	At December 31, 2013 (In thousands)		30-59				60-89				90 Days				Total			Current			Total Loans Receivable			Loans
			Days Past				Days				and More				Past Due									Receivable
			Due				Past Due				Past Due													90 Days or
																								More and
																								Accruing
	Mortgage loans:
	One- to four-family residential		$	3,393			$	2,422			$	3,399			$	9,214		$	140,512		$	149,726		$	-
	Multi-family			-				-				-				-			284			284			-
	Commercial			62				403				1,054				1,519			78,082			79,601			-
	Construction and land			-				-				-				-			8,665			8,665			-
	Home equity loans and credit lines			356				15				464				835			25,607			26,442			-
	Commercial			-				340				-				340			16,962			17,302			-
	Consumer and other			-				-				-				-			834			834			-
	Total		$	3,811			$	3,180			$	4,917			$	11,908		$	270,946		$	282,854		$	-

OFFICE_PROPERTIES_AND_EQUIPMEN1

OFFICE PROPERTIES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2014
Office Properties and Equipment [Abstract]
Schedule of office properties and equipment summarized by major classification
		Estimated Useful Life in Years	2014			2013
			(In thousands)
	Land	Indefinite	$	1,705		$	1,705
	Buildings	25		8,694			8,694
	Furniture, fixtures and equipment	3 – 7		3,326			3,245
				13,725			13,644
	Accumulated depreciation			(6,315	)		(5,819	)
			$	7,410		$	7,825

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
Deposits [Abstract]
Schedule of deposits by major classifications
		2014					2013
		Amount		Average			Amount		Average
				Rate					Rate
	Certificates of deposit:
	0.00% - 2.00%	$	64,735		0.68	%	$	70,676		0.66	%
	2.01% - 4.00%		31,288		2.81			35,688		2.83
	4.01% - 6.00%		677		4.57			1,875		4.87
	Total certificates of deposit		96,700		1.4			108,239		1.45
	Non interest-bearing demand		48,341		-			42,739		-
	NOW		150,415		0.41			152,279		0.42
	Super NOW		37,466		0.26			43,740		0.35
	Savings		85,913		0.33			111,219		0.56
	Money market deposit		56,545		0.31			63,811		0.4
		$	475,380		0.53	%	$	522,027		0.62	%
Schedule of summary of certificates of deposit by maturity	A summary of certificates of deposit by maturity at December 31, 2014 is as follows (in thousands):
	2015	$	46,069
	2016		24,929
	2017		13,808
	2018		4,273
	2019		6,411
	Thereafter		1,210
		$	96,700
Schedule of summary of interest expense on deposits
		2014		2013
		(In thousands)
	NOW and Super NOW	$	735	$	1,185
	Savings		284		632
	Money market demand		164		287
	Certificates of deposit		1,451		1,715
		$	2,634	$	3,819

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2014
Income Taxes [Abstract]
Schedule of income tax provision (benefit)
		2014			2013
		(In thousands)
	Current:
	Federal	$	47		$	(1,110	)
	State		6			2
	Total current	$	53		$	(1,108	)
	Deferred		619			(529	)
	Total	$	672		$	(1,637	)
Schedule of statutory federal income tax rate reconciliation
		2014						2013
		Amount			% of			Amount			% of
					Pretax						Pretax
					Income						Income
	Federal income tax at statutory rate	$	410			34	%	$	(1,177	)		(34.0	)%
	State tax, net of federal benefit		184			15.2	%		(297	)		(8.6	)%
	Tax-exempt income		(61	)		(5.1	)%		(154	)		(4.4	)%
	Life insurance income		(144	)		(11.9	)%		(149	)		(4.3	)%
	Non-deductible expense		271			22.5	%		-			-	%
	Other		12			1	%		140			4	%
	Total	$	672			55.7	%	$	(1,637	)		(47.3	)%
Schedule of components of the net deferred tax asset
		December 31,
		2014			2013
		(In thousands)
	Deferred tax assets:
	Deferred loan fees	$	15		$	338
	Allowance for loan losses		1,715			2,338
	Securities impairment		125			125
	State net operating loss carryforwards		1,218			1,202
	Capital loss carryforwards		67			73
	Deferred compensation		96			141
	Nonaccrual interest adjustment		216			207
	Allowance for REO losses		476			376
	Depreciation		427			180
	Net unrealized loss on securities available for sale		526			2,468
	AMT Credit		48			-
	Other		122			140
	Total deferred tax assets		5,051			7,588
	Valuation  allowance		(336	)		(312	)
	Total deferred tax liabilities		-			-
	Net Deferred Tax Asset	$	4,715		$	7,276

BENEFIT_PLANS_Tables

BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2014
Benefit Plans [Abstract]
Schedule of components of the ESOP shares		December 31,
		2014		2013
	Shares released for allocation		132,156		134,869
	Unreleased shares		93,245		113,330
	Total ESOP shares		225,401		248,199
	Fair value of unreleased shares	$	1,249,483	$	1,507,289

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2014
Stock-Based Compensation [Abstract]
Schedule of restricted stock units award activity
		Number of		Weighted
		shares		Average Grant
				Date Fair Value
	Restricted stock, January 1, 2014		52,832	$	12.46
	Granted		-		-
	Forfeited		6,536		12.46
	Vested		7,082		12.43
	Restricted stock, December 31, 2014		39,214	$	12.46
		Number of		Weighted
		shares		Average Grant
				Date Fair Value
	Restricted stock, January 1, 2013		93,970	$	12.46
	Granted		-		-
	Forfeited		30,871		12.45
	Vested		10,267		12.41
	Restricted stock, December 31, 2013		52,832	$	12.46
Schedule of stock options activity
		Options		Weighted Average
				Exercise Price
	Outstanding at January 1, 2014		291,343	$	12.87
	Granted		-		-
	Exercised		2,295		12.46
	Forfeitures		30,451		12.95
	Outstanding at December 31, 2014		258,597	$	12.86
	Exercisable at December 31, 2014		175,107	$	13.01
		Options		Weighted Average
				Exercise Price
	Outstanding at January 1, 2013		379,260	$	12.85
	Granted		-		-
	Exercised		-		-
	Forfeitures		87,917		12.79
	Outstanding at December 31, 2013		291,343	$	12.87
	Exercisable at December 31, 2013		184,318	$	13.12

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Schedule of financial instruments outstanding representing credit risk
		2014		2013
		(In thousands)
	Commitments to grant loans	$	9,115	$	7,079
	Unfunded commitments under lines of credit		24,769		19,526
	Commitments to purchase SBA/USDA Loans		3,437		-
	Standby letters of credit		3,189		3,040
		$	40,510	$	29,645

REGULATORY_CAPITAL_REQUIREMENT1

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
Banking and Thrift [Abstract]
Schedule of actual capital amounts and ratios		Actual						For Capital Adequacy		To be Well Capitalized
								Purposes		under Prompt Corrective
										Action Provisions
		Amount			Ratio			Amount	Ratio	Amount	Ratio
								(In thousands)
	As of December 31, 2014:
	Tangible Capital (to Adjusted Tangible Assets)	$	59,651		11.06	%		>$8,089	>1.50%	N/A	N/A
	Core Capital (to Adjusted Total Assets)		59,651		11.06	%		>21,571	>4.00%	>$26,963	>5.00%
	Tier 1 Capital (to Risk-Weighted Assets)		59,651		23.57	%		N/A	N/A	>15,184	>6.00%
	Total Capital (to Risk-Weighted Assets)		62,847		24.83	%		>20,246	>8.00%	>25,307	>10.00%
	As of December 31, 2013:
	Tangible Capital (to Adjusted Tangible Assets)	$	56,820		9.74	%		>$8,751	>1.50%	N/A	N/A
	Core Capital (to Adjusted Total Assets)		56,820		9.74	%		>23,335	>4.00%	>$29,169	>5.00%
	Tier 1 Capital (to Risk-Weighted Assets)		56,820		19.19	%		N/A	N/A	>17,769	>6.00%
	Total Capital (to Risk-Weighted Assets)		60,568		20.45	%		>23,693	>8.00%	>29,616	>10.00%
Schedule of reconciliation of bank's GAAP capital to regulatory capital
		December 31,
		2014			2013
		(In thousands)
	Total equity capital	$	62,048		$	56,197
	Add: Net unrealized loss (gain) on available-for-sale securities		790			4,477
	Less:  Disallowed deferred tax asset		(3,187	)		(3,854	)
	Tier I Capital	$	59,651		$	56,820
	Add:  Allowance for loan losses includable in Tier 2 capital		3,177			3,729
	Add: Unrealized gains on available-for-sale mutual funds (equity securities)		19			19
	Total risk-based capital	$	62,847		$	60,568

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
Fair Value Measurements [Abstract]
Schedule of assets measured at fair value on a recurring basis
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2014			Quoted Prices			Significant Observable Other Inputs		Significant Unobservable Inputs
						in Active
						Markets for Identical Assets
	U. S. government obligations		$	86,944		$	-		$	86,944	$	-
	Mutual funds			892			892			-		-
	Municipal debt obligations			4,012			-			4,012		-
	SBA pools			17,255			-			17,255		-
	GSE mortgage-backed securities			55,306			-			55,306		-
	GSE collateralized mortgage obligations			57,826			-			57,826		-
	Securities available-for-sale		$	222,235		$	892		$	221,343	$	-
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2013			Quoted Prices			Significant Observable Other Inputs		Significant Unobservable Inputs
						in Active
						Markets for Identical Assets
	U. S. government obligations		$	136,783		$	-		$	136,783	$	-
	Corporate debt obligations			4,501			-			4,501		-
	Mutual funds			945			945			-		-
	Municipal debt obligations			6,719			-			6,719		-
	SBA pools			1,093			-			1,093		-
	GSE mortgage-backed securities			15,463			-			15,463		-
	GSE collateralized mortgage obligations			61,622			-			61,622		-
	Securities available-for-sale		$	227,126		$	945		$	226,181	$	-
Schedule of assets measured at fair value on a non-recurring basis
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2014			Quoted Prices			Significant Observable Other		Significant Unobservable Inputs
						in Active			Inputs
						Markets for Identical
						Assets
	Impaired loans		$	11,574		$	-		$	-	$	11,574
	Real estate owned		$	1,884		$	-		$	-	$	1,884
			December 31,			(Level 1)			(Level 2)		(Level 3)
			2013			Quoted Prices			Significant Observable Other		Significant Unobservable Inputs
						in Active			Inputs
						Markets for Identical
						Assets
	Impaired loans		$	13,531		$	-		$	-	$	13,531
	Real estate owned		$	2,600		$	-		$	-	$	2,600
Schedule of quantitative information about assets measured at fair value on a nonrecurring basis using level 3 inputs
			Quantitative Information About Level 3 Fair Value Measurements at December 31, 2014
	Description		Fair Value		Valuation		Unobservable	Range (Weighted Average)
			Estimate		Techniques		Input
			(In thousands)
	Impaired loans		$	11,574	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	Real estate owned		$	1,884	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
			Quantitative Information About Level 3 Fair Value Measurements at December 31, 2013
	Description		Fair Value		Valuation		Unobservable	Range (Weighted Average)
			Estimate		Techniques		Input
			(In thousands)
	Impaired loans		$	13,531	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	Real estate owned		$	2,600	Appraisal of		Liquidation	-6.0% to -25.0% (-15.0%)
					collateral (1)		expenses (2)
	(1)	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include level 3 inputs which are not identifiable.
	-2	Appraisals may be adjusted by management for qualitative factors including estimated liquidation expenses, which are presented above as a percent of the appraisal.
Schedule of estimated fair value of the company's financial instruments			31-Dec-14
			Carrying			Level 1			Level 2		Level 3		Estimated
			amount										Fair Value
			(Amounts in thousands)
	Financial assets:
	Cash and amounts due from banks		$	16,686		$	16,686		$	-	$	-	$	16,686
	Investment securities available-for-sale			222,235			892			221,343		-		222,235
	Federal Home Loan Bank stock			503			503			-		-		503
	Loans receivable, net			267,789			-			-		268,391		268,391
	Accrued interest receivable			1,345			-			1,345		-		1,345
	Financial liabilities:
	Deposits			475,380			-			476,678		-		476,678
	Accrued interest payable			14			-			14		-		14
	Off-balance sheet financial instruments:
	Commitments to extend credit and letters of credit			-			-			-		-		-
			31-Dec-13
			Carrying			Level 1			Level 2		Level 3		Estimated
			amount										Fair Value
			(Amounts in thousands)
	Financial assets:
	Cash and amounts due from banks		$	23,404		$	23,404		$	-	$	-	$	23,404
	Investment securities available-for-sale			227,126			945			226,181		-		227,126
	Corporate debt obligations held-to-maturity			1,193			-			1,396		-		1,396
	Municipal debt obligations held-to-maturity			15,910			-			16,278		-		16,278
	GSE mortgage-backed securities held-to-maturity			188			-			208				208
	Federal Home Loan Bank stock			702			702			-		-		702
	Loans receivable, net			276,154			-			-		276,861		276,861
	Accrued interest receivable			1,530			-			1,530		-		1,530
	Financial liabilities:
	Deposits			522,027			-			524,104		-		524,104
	Accrued interest payable			16			-			16		-		16
	Off-balance sheet financial instruments:
	Commitments to extend credit and letters of credit			-			-			-		-		-

PARENT_COMPANY_ONLY_FINANCIAL_1

PARENT COMPANY ONLY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2014
Parent Company Only Financial Information [Abstract]
Schedule of Condensed Statements Of Financial Condition	CONDENSED STATEMENTS OF FINANCIAL CONDITION
		December 31,
		2014			2013
	ASSETS	(In thousands)
	Cash and cash equivalents	$	1,019		$	1,227
	Equity investment in Colonial Bank, FSB		62,048			56,196
	Loan receivable – ESOP		1,133			1,346
	Other assets		119			394
	Total Assets	$	64,319		$	59,163
	LIABILITIES AND STOCKHOLDERS’ EQUITY
	Other liabilities	$	482		$	-
	Total Stockholders’ Equity		63,837			59,163
	Total Liabilities and Stockholders’ Equity	$	64,319		$	59,163
Schedule of Condensed Statements Of Operations	CONDENSED STATEMENTS OF OPERATIONS
		Years Ended December 31,
		2014			2013
		(In thousands)
	Interest income	$	71		$	81
	Equity in income (loss) of Colonial Bank, FSB		1,915			(1,625	)
	Total income (loss)		1,986			(1,544	)
	General, administrative and other expenses		1,451			281
	Net income (loss)	$	535		$	(1,825	)
Schedule of Condensed Statements Of Cash Flows	CONDENSED STATEMENTS OF CASH FLOWS
		Years Ended December 31,
		2014			2013
		(In thousands)
	Cash flows from operating activities:
	Net income (loss)	$	535		$	(1,825	)
	Share-based compensation expense		202			200
	Equity in undistributed (income) loss Colonial Bank, FSB		(1,915	)		1,625
	Increase in cash from ESOP loan repayment		213			204
	Decrease (increase) in other assets		275			(14	)
	Increase in other liabilities		482			-
	Net cash (used in) provided by operating activities		(208	)		190
	Cash flows from financing activities:
	Repurchase and retirement of common stock		-			(134	)
	Net cash used in financing activities		-			(134	)
	Net (decrease) increase in cash and cash equivalents		(208	)		56
	Cash and cash equivalents at beginning of period		1,227			1,171
	Cash and cash equivalents at end of period	$	1,019		$	1,227

SUMMARIZED_CONSOLIDATED_QUARTE1

SUMMARIZED CONSOLIDATED QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2014
Summarized Consolidated Quarterly Financial Data (Unaudited) [Abstract]
Schedule of consolidated quarterly data
	Three Months Ended:	December 31,			September 30,			June 30,			March 31,
		(Dollars in thousands, except per share data)
	2014
	Total interest income	$	3,762		$	3,782		$	3,882		$	4,110
	Total interest expense		642			654			668			687
	Net interest income		3,120			3,128			3,214			3,423
	Provision for loan losses		(257	)		(258	)		-			548
	Net interest income after provision for loan losses		3,377			3,386			3,214			2,875
	Total non-interest income		621			407			900			398
	Total non-interest expense		3,754			3,679			3,235			3,303
	Income (loss) before income tax (benefit)		244			114			879			(30	)
	Income tax (benefit)		124			285			326			(63	)
	Net income (loss)	$	120		$	(171	)	$	553		$	33
	Basic earnings (loss) per share	$	0.03		$	(0.05	)	$	0.15		$	0.01
	Diluted earnings (loss) per share	$	0.03		$	(0.05	)	$	0.15		$	0.01
	Three Months Ended:	December 31,			September 30,			June 30,			March 31,
		(Dollars in thousands, except per share data)
	2013
	Total interest income	$	4,329		$	4,487		$	4,600		$	4,713
	Total interest expense		818			907			1,045			1,078
	Net interest income		3,511			3,580			3,555			3,635
	Provision for loan losses		159			2,831			2,667			42
	Net interest income after provision for loan losses		3,352			749			888			3,593
	Total non-interest income		425			429			1,386			515
	Total non-interest expense		3,694			3,823			3,850			3,432
	Income (loss) before income tax (benefit)		83			(2,645	)		(1,576	)		676
	Income tax (benefit)		(523	)		(697	)		(596	)		179
	Net income (loss)	$	606		$	(1,948	)	$	(980	)	$	497
	Basic earnings (loss) per share	$	0.16		$	(0.52	)	$	(0.26	)	$	0.13
	Diluted earnings (loss) per share	$	0.16		$	(0.52	)	$	(0.26	)	$	0.13

ORGANIZATION_AND_NATURE_OF_OPE1

ORGANIZATION AND NATURE OF OPERATIONS (Detail Textuals) (USD $)	12 Months Ended
	Dec. 31, 2014
Organization And Nature Of Operations [Line Items]
Year formed	2010
Date of second-step conversion and related public stock offering	13-Jul-10
Percentage of ownership interest owned by parent	100.00%
Share purchase price	$10
Number of shares of parent entitled by public stockholders	0.9399
Number of shares issued for subscription community and syndicated community offering	2,295,000
Number of shares sold or exchanged	4,173,444
Colonial Bank, FSB
Organization And Nature Of Operations [Line Items]
Percentage of ownership interest owned by parent	100.00%
Number of common shares issued under Colonial Bank FSB ESOP plan	91,800

SIGNIFICANT_ACCOUNTING_POLICIE2

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals) (USD $)	12 Months Ended
	Dec. 31, 2014
Significant Accounting Policies [Line Items]
Description of arrangement of bank owned life insurance	The amount of the split dollar arrangement is equal to three times the annual base salary of the insured at the time of his or her death less $50,000 for employees and $250,000 for directors.
Office properties and equipment, depreciation method	Sraight-line method
Employees
Significant Accounting Policies [Line Items]
Amount specified for insured in split dollar arrangement	50,000
Director
Significant Accounting Policies [Line Items]
Amount specified for insured in split dollar arrangement	250,000

EARNINGS_PER_SHARE_Basic_And_D

EARNINGS PER SHARE - Basic And Diluted Earnings Per Share (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share [Abstract]
Net income (loss)									$535	($1,825)
Weighted average common shares issued									3,860,104	3,853,167
Average unearned ESOP shares									-113,275	-133,360
Weighted average common shares outstanding - basic									3,746,829	3,719,807
Effect of dilutive non-vested shares and stock options outstanding									6,495
Weighted average common shares outstanding - diluted									3,753,324	3,719,807
Income (Loss) per share - basic (in dollars per share)	$0.03	($0.05)	$0.15	$0.01	$0.16	($0.52)	($0.26)	$0.13	$0.14	($0.49)
Income (Loss) per share - diluted (in dollars per share)	$0.03	($0.05)	$0.15	$0.01	$0.16	($0.52)	($0.26)	$0.13	$0.14	($0.49)

EARNINGS_PER_SHARE_Detail_Text

EARNINGS PER SHARE (Detail Textuals)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share [Abstract]
Anti-dilutive non-vested awards and options	115,283	344,175

INVESTMENT_SECURITIES_Availabl

INVESTMENT SECURITIES - Available For Sale And Held To Maturity Investments (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	$223,551	$234,071
Gross Unrealized Gains, Available for Sale	1,157	1,047
Gross Unrealized Losses, Available for Sale	-2,473	-7,992
Fair Value, Available for Sale	222,235	227,126
Amortized Cost, Held to Maturity		17,291
Gross Unrealized Gains, Held to Maturity		591
Gross Unrealized Loss, Held to Maturity
Fair Value, Held to Maturity	0	17,882
U.S. Government obligations
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	88,315	141,836
Gross Unrealized Gains, Available for Sale	18	16
Gross Unrealized Losses, Available for Sale	-1,389	-5,069
Fair Value, Available for Sale	86,944	136,783
Corporate debt obligations
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale		4,493
Gross Unrealized Gains, Available for Sale		12
Gross Unrealized Losses, Available for Sale		-4
Fair Value, Available for Sale		4,501
Amortized Cost, Held to Maturity		1,193
Gross Unrealized Gains, Held to Maturity		203
Gross Unrealized Loss, Held to Maturity
Fair Value, Held to Maturity		1,396
Mutual fund
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	850	903
Gross Unrealized Gains, Available for Sale	42	42
Gross Unrealized Losses, Available for Sale
Fair Value, Available for Sale	892	945
Municipal debt obligations
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	4,038	6,828
Gross Unrealized Gains, Available for Sale	6	35
Gross Unrealized Losses, Available for Sale	-32	-144
Fair Value, Available for Sale	4,012	6,719
Amortized Cost, Held to Maturity		15,910
Gross Unrealized Gains, Held to Maturity		368
Gross Unrealized Loss, Held to Maturity
Fair Value, Held to Maturity		16,278
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	17,255	1,097
Gross Unrealized Gains, Available for Sale	62
Gross Unrealized Losses, Available for Sale	-62	-4
Fair Value, Available for Sale	17,255	1,093
Government-sponsored enterprise ("GSE") mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	54,519	14,794
Gross Unrealized Gains, Available for Sale	835	752
Gross Unrealized Losses, Available for Sale	-48	-83
Fair Value, Available for Sale	55,306	15,463
Amortized Cost, Held to Maturity		188
Gross Unrealized Gains, Held to Maturity		20
Gross Unrealized Loss, Held to Maturity
Fair Value, Held to Maturity		208
GSE collateralized mortgage obligations
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost, Available for Sale	58,574	64,120
Gross Unrealized Gains, Available for Sale	194	190
Gross Unrealized Losses, Available for Sale	-942	-2,688
Fair Value, Available for Sale	$57,826	$61,622

INVESTMENT_SECURITIES_Investme

INVESTMENT SECURITIES - Investment Securities By Contractual Maturity (Details 1) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investment Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$1,156
Available for Sale, Amortized Cost, Due after one year through five years	60,711
Available for Sale, Amortized Cost, Due after five years through ten years	31,521
Available for Sale, Amortized Cost, Due thereafter	17,070
Available for Sale, Amortized Cost, Sub-total	110,458
Available for Sale, Amortized Cost, GSE mortgage-backed securities and GSE collateralized mortgage obligations	113,093
Available for Sale, Amortized Cost, Total	223,551	234,071
Available for Sale, Fair Value, Due in one year or less	1,198
Available for Sale, Fair Value, Due after one year through five years	59,904
Available for Sale, Fair Value, Due after five years through ten years	30,930
Available for Sale, Fair Value, Due thereafter	17,071
Available for Sale, Fair Value, Sub-total	109,103
Available for Sale, Fair Value, GSE mortgage-backed securities and GSE collateralized mortgage obligations	113,132
Available for Sale, Fair Value, Total	$222,235	$227,126

INVESTMENT_SECURITIES_Availabl1

INVESTMENT SECURITIES - Available for sale securities gross unrealized losses and fair value (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$66,112	$179,939
Unrealized Losses, Less than 12 months	691	7,431
Fair Value, 12 months or more	75,575	9,385
Unrealized Losses, 12 months or more	1,782	561
Fair Value, Total	141,687	189,324
Unrealized Losses, Total	2,473	7,992
U.S. Government obligations
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	41,466	126,055
Unrealized Losses, Less than 12 months	490	4,590
Fair Value, 12 months or more	43,460	8,006
Unrealized Losses, 12 months or more	899	479
Fair Value, Total	84,926	134,061
Unrealized Losses, Total	1,389	5,069
Corporate debt obligations
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months		1,497
Unrealized Losses, Less than 12 months		4
Fair Value, 12 months or more
Unrealized Losses, 12 months or more
Fair Value, Total		1,497
Unrealized Losses, Total		4
Municipal debt obligations
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	871	3,319
Unrealized Losses, Less than 12 months	10	123
Fair Value, 12 months or more	834	565
Unrealized Losses, 12 months or more	22	21
Fair Value, Total	1,705	3,884
Unrealized Losses, Total	32	144
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	4,445	1,093
Unrealized Losses, Less than 12 months	62	4
Fair Value, 12 months or more
Unrealized Losses, 12 months or more
Fair Value, Total	4,445	1,093
Unrealized Losses, Total	62	4
GSE mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	15,902	1,629
Unrealized Losses, Less than 12 months	48	82
Fair Value, 12 months or more		33
Unrealized Losses, 12 months or more		1
Fair Value, Total	15,902	1,662
Unrealized Losses, Total	48	83
GSE collateralized mortgage obligations
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	3,428	46,346
Unrealized Losses, Less than 12 months	81	2,628
Fair Value, 12 months or more	31,281	781
Unrealized Losses, 12 months or more	861	60
Fair Value, Total	34,709	47,127
Unrealized Losses, Total	$942	$2,688

INVESTMENT_SECURITIES_Detail_T

INVESTMENT SECURITIES (Detail Textuals) (USD $)	1 Months Ended
	Mar. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Held-to-maturity portfolio as available for sale value	$10,000,000
Restrictions of classifying security purchases as held to maturity	2 years
Municipal debt obligations
Schedule of Available-for-sale Securities [Line Items]
Held-to-maturity portfolio as available for sale value	8,600,000
Unrealized Gain	522,000
Corporate debt obligations
Schedule of Available-for-sale Securities [Line Items]
Held-to-maturity portfolio as available for sale value	1,200,000
Unrealized Gain	228,000
GSE mortgage-backed securities
Schedule of Available-for-sale Securities [Line Items]
Held-to-maturity portfolio as available for sale value	155,000
Unrealized Gain	$17,000

INVESTMENT_SECURITIES_Detail_T1

INVESTMENT SECURITIES (Detail Textuals 1) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Gain (Loss) on Investments [Line Items]
Securities pledged as collateral	$123,600,000	$139,000,000
Gross gains realized on sales and calls of available-for-sale investment securities	921,000	217,000
Gross losses realized on sales and calls of available-for-sale investment securities	$1,082,000	$18,000
Loss Position For Less Than 12 Months
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	42	120
Loss Position For Less Than 12 Months | U.S. Government obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	21	68
Loss Position For Less Than 12 Months | Corporate debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		2
Loss Position For Less Than 12 Months | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	4	12
Loss Position For Less Than 12 Months | SBA pools
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	4	3
Loss Position For Less Than 12 Months | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	10	2
Loss Position For Less Than 12 Months | GSE collateralized mortgage obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	3	33
Loss Position for 12 Months or More
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	45	8
Loss Position for 12 Months or More | U.S. Government obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	23	4
Loss Position for 12 Months or More | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	3	2
Loss Position for 12 Months or More | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		1
Loss Position for 12 Months or More | GSE collateralized mortgage obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	19	1
Loss Position For One Month | Corporate debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		1
Loss Position For One Month | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	3
Loss Position For One Month | SBA pools
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	1	1
Loss Position For One Month | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	5
Loss Position For Two Months | Corporate debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		1
Loss Position For Two Months | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	1	2
Loss Position For Four Months | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	1
Loss Position For Five Months | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		1
Loss Position For Six Months | SBA pools
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	3
Loss Position For Six Months | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio	4
Loss Position For Seven Months | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		5
Loss Position For Eight Months | Municipal debt obligations
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		5
Loss Position For Eight Months | GSE mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		1
Loss Position For Ten Months | SBA pools
Gain (Loss) on Investments [Line Items]
Number of securities for unrealized loss category for the available-for-sale portfolio		2

LOANS_RECEIVABLE_AND_ALLOWANCE2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Summary of loans receivable (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	($4,294)	($5,853)
Loan receivable, net	267,789	276,154
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	272,190	282,854
Deferred loan fees	-107	-847
Allowance for loan losses	-4,294	-5,853	-4,146
Loan receivable, net	267,789	276,154
Loans Receivable | Real estate loans: One- to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	150,502	149,726
Allowance for loan losses	-640	-1,650	-692
Loans Receivable | Real estate loans: Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	4,618	284
Allowance for loan losses	-50	-3	-6
Loans Receivable | Real estate loans: Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	65,644	79,601
Allowance for loan losses	-627	-1,222	-1,107
Loans Receivable | Real estate loans: Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	8,106	8,665
Allowance for loan losses	-176	-90	-138
Loans Receivable | Home equity loans and credit lines
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	24,324	26,442
Allowance for loan losses	-239	-275	-277
Loans Receivable | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	18,223	17,302
Allowance for loan losses	-1,229	-1,843	-405
Loans Receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	773	834
Allowance for loan losses	($8)	($20)	($21)

LOANS_RECEIVABLE_AND_ALLOWANCE3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Loan activity to related parties (Details 1) (Loans Receivable, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014
Loans Receivable
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance January 1, 2014	$846
Transfers
Additions	141
Amounts Collected	-491
Balance December 31, 2014	$496

LOANS_RECEIVABLE_AND_ALLOWANCE4

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Allowance for loan losses and recorded loans receivable investments by portfolio (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	$5,853
Provision	33	5,699
Balance at end of period	4,294	5,853
Total allowance	4,294	5,853
Loans Receivable
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	5,853	4,146
Charge-offs	-3,327	-4,317
Recoveries	1,735	325
Provision	33	5,699
Balance at end of period	4,294	5,853
Related to loans individually evaluated for impairment	565	1,777
Related to loans collectively evaluated for impairment	3,729	4,076
Total allowance	4,294	5,853
Loans Receivable | Real estate loans: One- to four-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	1,650	692
Charge-offs	-526	-217
Recoveries	70	58
Provision	-554	1,117
Balance at end of period	640	1,650
Related to loans individually evaluated for impairment	80	210
Related to loans collectively evaluated for impairment	560	1,440
Total allowance	640	1,650
Loans Receivable | Real estate loans: Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	3	6
Charge-offs
Recoveries
Provision	47	-3
Balance at end of period	50	3
Related to loans individually evaluated for impairment
Related to loans collectively evaluated for impairment	50	3
Total allowance	50	3
Loans Receivable | Real estate loans: Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	1,222	1,107
Charge-offs	-234	-1,826
Recoveries	909
Provision	-1,270	1,941
Balance at end of period	627	1,222
Related to loans individually evaluated for impairment	343	9
Related to loans collectively evaluated for impairment	284	1,213
Total allowance	627	1,222
Loans Receivable | Real estate loans: Construction and land
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	90	138
Charge-offs	-76	-37
Recoveries		54
Provision	162	-65
Balance at end of period	176	90
Related to loans individually evaluated for impairment	89
Related to loans collectively evaluated for impairment	87	90
Total allowance	176	90
Loans Receivable | Home equity loans and credit lines
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	275	277
Charge-offs	-102	-258
Recoveries	30
Provision	36	256
Balance at end of period	239	275
Related to loans individually evaluated for impairment	53	8
Related to loans collectively evaluated for impairment	186	267
Total allowance	239	275
Loans Receivable | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	1,843	405
Charge-offs	-2,389	-1,965
Recoveries	671	203
Provision	1,104	3,200
Balance at end of period	1,229	1,843
Related to loans individually evaluated for impairment		1,550
Related to loans collectively evaluated for impairment	1,229	293
Total allowance	1,229	1,843
Loans Receivable | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	20	21
Charge-offs		-14
Recoveries	55	10
Provision	-67	3
Balance at end of period	8	20
Related to loans individually evaluated for impairment
Related to loans collectively evaluated for impairment	8	20
Total allowance	8	20
Loans Receivable | Unallocated
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of period	750	1,500
Charge-offs
Recoveries
Provision	575	-750
Balance at end of period	1,325	750
Related to loans individually evaluated for impairment
Related to loans collectively evaluated for impairment	1,325	750
Total allowance	$1,325	$750

LOANS_RECEIVABLE_AND_ALLOWANCE5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Related recorded investment in loans receivable by Portfolio class individually and collectively evaluated for Impairment (Details 3) (Loans Receivable, USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$15,101	$25,270
Collectively evaluated for impairment	257,089	257,584
Loans Receivable, Ending balance	272,190	282,854
Real estate loans: One- to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	8,605	8,933
Collectively evaluated for impairment	141,897	140,793
Loans Receivable, Ending balance	150,502	149,726
Real estate loans: Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment
Collectively evaluated for impairment	4,618	284
Loans Receivable, Ending balance	4,618	284
Real estate loans: Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	2,714	9,452
Collectively evaluated for impairment	62,930	70,149
Loans Receivable, Ending balance	65,644	79,601
Real estate loans: Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	3,073	3,323
Collectively evaluated for impairment	5,033	5,342
Loans Receivable, Ending balance	8,106	8,665
Home equity loans and credit lines
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	709	778
Collectively evaluated for impairment	23,615	25,664
Loans Receivable, Ending balance	24,324	26,442
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		2,784
Collectively evaluated for impairment	18,223	14,518
Loans Receivable, Ending balance	18,223	17,302
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment
Collectively evaluated for impairment	773	834
Loans Receivable, Ending balance	$773	$834

LOANS_RECEIVABLE_AND_ALLOWANCE6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Classes of the loan portfolio summarized by the classification rating (Details 4) (Loans Receivable, USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	$272,190	$282,854
Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	229,095	215,050
Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	28,954	34,186
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	2,928	9,324
Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	11,213	21,850
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		2,444
Real estate loans: One- to four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	150,502	149,726
Real estate loans: One- to four-family | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	133,495	130,862
Real estate loans: One- to four-family | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	10,665	7,712
Real estate loans: One- to four-family | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	207	1,783
Real estate loans: One- to four-family | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	6,135	9,369
Real estate loans: One- to four-family | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	4,618	284
Real estate loans: Multi-family | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	4,435
Real estate loans: Multi-family | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	183	284
Real estate loans: Multi-family | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Multi-family | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Multi-family | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Commercial
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	65,644	79,601
Real estate loans: Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	49,323	45,181
Real estate loans: Commercial | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	10,487	22,851
Real estate loans: Commercial | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	2,676	3,739
Real estate loans: Commercial | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	3,158	7,830
Real estate loans: Commercial | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Construction and land
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	8,106	8,665
Real estate loans: Construction and land | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	3,306	4,060
Real estate loans: Construction and land | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	3,624	1,140
Real estate loans: Construction and land | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Real estate loans: Construction and land | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,176	3,465
Real estate loans: Construction and land | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Home equity loans and credit lines
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	24,324	26,442
Home equity loans and credit lines | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	22,374	24,891
Home equity loans and credit lines | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,206	597
Home equity loans and credit lines | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		108
Home equity loans and credit lines | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	744	846
Home equity loans and credit lines | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Commercial
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	18,223	17,302
Commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	15,476	9,325
Commercial | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	2,747	1,519
Commercial | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		3,674
Commercial | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		340
Commercial | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable		2,444
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	773	834
Consumer | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	686	731
Consumer | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	42	83
Consumer | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	45	20
Consumer | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable
Consumer | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable

LOANS_RECEIVABLE_AND_ALLOWANCE7

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Impaired loans by portfolio (Details 5) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	$6,400	$5,600
Related Allowance, With an allowance recorded	565	1,800
Loans Receivable
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	6,438	5,638
Recorded investment, With no related allowance recorded	8,663	19,632
Recorded investment, Total	15,101	25,270
Unpaid Principal Balance, With an allowance recorded	6,634	6,175
Unpaid Principal Balance, With no related allowance recorded	10,493	24,280
Unpaid Principal Balance, Total	17,127	30,455
Related Allowance, With an allowance recorded	565	1,777
Average recorded investment, With an allowance recorded	6,562	5,867
Average recorded investment, With no related allowance recorded	9,285	21,496
Average recorded investment, Total	15,847	27,363
Interest income recognized, With an allowance recorded	151	78
Interest income recognized, With no related allowance recorded	304	729
Interest income recognized, Total	455	807
Loans Receivable | Real estate loans: One- to four-family
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	2,197	2,728
Recorded investment, With no related allowance recorded	6,408	6,205
Recorded investment, Total	8,605	8,933
Unpaid Principal Balance, With an allowance recorded	2,365	2,870
Unpaid Principal Balance, With no related allowance recorded	7,889	7,297
Unpaid Principal Balance, Total	10,254	10,167
Related Allowance, With an allowance recorded	80	210
Average recorded investment, With an allowance recorded	2,255	2,774
Average recorded investment, With no related allowance recorded	6,893	6,475
Average recorded investment, Total	9,148	9,249
Interest income recognized, With an allowance recorded	64	59
Interest income recognized, With no related allowance recorded	131	199
Interest income recognized, Total	195	258
Loans Receivable | Real estate loans: Multi-family
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded
Recorded investment, With no related allowance recorded
Recorded investment, Total
Unpaid Principal Balance, With an allowance recorded
Unpaid Principal Balance, With no related allowance recorded
Unpaid Principal Balance, Total
Related Allowance, With an allowance recorded
Average recorded investment, With an allowance recorded
Average recorded investment, With no related allowance recorded
Average recorded investment, Total
Interest income recognized, With an allowance recorded
Interest income recognized, With no related allowance recorded
Interest income recognized, Total
Loans Receivable | Real estate loans: Commercial
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	1,964	66
Recorded investment, With no related allowance recorded	750	9,386
Recorded investment, Total	2,714	9,452
Unpaid Principal Balance, With an allowance recorded	1,964	66
Unpaid Principal Balance, With no related allowance recorded	837	12,709
Unpaid Principal Balance, Total	2,801	12,775
Related Allowance, With an allowance recorded	343	9
Average recorded investment, With an allowance recorded	1,997	66
Average recorded investment, With no related allowance recorded	819	10,190
Average recorded investment, Total	2,816	10,256
Interest income recognized, With an allowance recorded	28	2
Interest income recognized, With no related allowance recorded	111	448
Interest income recognized, Total	139	450
Loans Receivable | Real estate loans: Construction and land
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	2,028
Recorded investment, With no related allowance recorded	1,045	3,323
Recorded investment, Total	3,073	3,323
Unpaid Principal Balance, With an allowance recorded	2,028
Unpaid Principal Balance, With no related allowance recorded	1,123	3,325
Unpaid Principal Balance, Total	3,151	3,325
Related Allowance, With an allowance recorded	89
Average recorded investment, With an allowance recorded	2,058
Average recorded investment, With no related allowance recorded	1,080	4,071
Average recorded investment, Total	3,138	4,071
Interest income recognized, With an allowance recorded	12
Interest income recognized, With no related allowance recorded	36	29
Interest income recognized, Total	48	29
Loans Receivable | Home equity loans and credit lines
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded	249	60
Recorded investment, With no related allowance recorded	460	718
Recorded investment, Total	709	778
Unpaid Principal Balance, With an allowance recorded	277	61
Unpaid Principal Balance, With no related allowance recorded	644	946
Unpaid Principal Balance, Total	921	1,007
Related Allowance, With an allowance recorded	53	8
Average recorded investment, With an allowance recorded	252	60
Average recorded investment, With no related allowance recorded	493	758
Average recorded investment, Total	745	818
Interest income recognized, With an allowance recorded	1
Interest income recognized, With no related allowance recorded	7	25
Interest income recognized, Total	8	25
Loans Receivable | Commercial
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded		2,784
Recorded investment, With no related allowance recorded
Recorded investment, Total		2,784
Unpaid Principal Balance, With an allowance recorded		3,178
Unpaid Principal Balance, With no related allowance recorded
Unpaid Principal Balance, Total		3,178
Related Allowance, With an allowance recorded		1,550
Average recorded investment, With an allowance recorded		2,967
Average recorded investment, With no related allowance recorded
Average recorded investment, Total		2,967
Interest income recognized, With an allowance recorded	46	17
Interest income recognized, With no related allowance recorded	19	28
Interest income recognized, Total	65	45
Loans Receivable | Consumer
Financing Receivable, Impaired [Line Items]
Recorded investment, With an allowance recorded
Recorded investment, With no related allowance recorded
Recorded investment, Total
Unpaid Principal Balance, With an allowance recorded
Unpaid Principal Balance, With no related allowance recorded		3
Unpaid Principal Balance, Total		3
Related Allowance, With an allowance recorded
Average recorded investment, With an allowance recorded
Average recorded investment, With no related allowance recorded		2
Average recorded investment, Total		2
Interest income recognized, With an allowance recorded
Interest income recognized, With no related allowance recorded
Interest income recognized, Total

LOANS_RECEIVABLE_AND_ALLOWANCE8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Non-performing assets and troubled debt restructurings (Details 6) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate owned, net	$2,220	$3,258
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans	7,385	13,560
Accruing loans 90 days or more past due: All loans
Total non-performing loans	7,385	13,560
Real estate owned, net	2,220	3,258
Total non-performing assets	9,605	16,818
Total performing troubled debt restructurings	7,624	9,786
Total non-performing assets and performing troubled debt restructurings	17,229	26,604
Total non-performing loans to total loans	2.71%	4.79%
Total non-performing loans to total assets	1.36%	2.33%
Total non-performing assets to total assets	1.77%	2.88%
Loans Receivable | Real estate loans: One- to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans	5,126	5,162
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings	3,430	3,464
Loans Receivable | Real estate loans: Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings
Loans Receivable | Real estate loans: Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans	593	5,215
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings	2,121	4,186
Loans Receivable | Real estate loans: Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans	1,046	1,233
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings	2,028	2,091
Loans Receivable | Home equity loans and credit lines
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans	620	715
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings	45	45
Loans Receivable | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans		1,235
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings
Loans Receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total non-accrual loans
Accruing loans 90 days or more past due: All loans
Total performing troubled debt restructurings

LOANS_RECEIVABLE_AND_ALLOWANCE9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Troubled debt restructurings of modified outstanding recorded investments (Details 7) (Loans Receivable, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
	Contract	Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	3
Pre-Modification Outstanding Recorded Investments	$567	$458
Post-Modification Outstanding Recorded Investments	567	458
Real estate loans: One- to four-family
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	3
Pre-Modification Outstanding Recorded Investments	567	458
Post-Modification Outstanding Recorded Investments	$567	$458

Recovered_Sheet1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Troubled debt restructurings with a payment default (Details 8) (Loans Receivable, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
	Contract	Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts	3	3
Recorded Investment	$3,093	$3,093
Real estate loans: One- to four-family
Financing Receivable, Modifications [Line Items]
Number of Contracts	1	1
Recorded Investment	111	111
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts	2	2
Recorded Investment	$2,982	$2,982

Recovered_Sheet2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES - Classes of the loan portfolio summarized by the past due status (Details 9) (Loans Receivable, USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	$1,956	$3,811
60-89 Days Past Due	848	3,180
90 or More Days Past Due	2,186	4,917
Total Past Due	4,990	11,908
Current	267,200	270,946
Total Loans Receivable	272,190	282,854
Loans Receivable 90 Days or More and Accruing
Real estate loans: One- to four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	1,597	3,393
60-89 Days Past Due	724	2,422
90 or More Days Past Due	1,621	3,399
Total Past Due	3,942	9,214
Current	146,560	140,512
Total Loans Receivable	150,502	149,726
Loans Receivable 90 Days or More and Accruing
Real estate loans: Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due
60-89 Days Past Due
90 or More Days Past Due
Total Past Due
Current	4,618	284
Total Loans Receivable	4,618	284
Loans Receivable 90 Days or More and Accruing
Real estate loans: Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	125	62
60-89 Days Past Due		403
90 or More Days Past Due	119	1,054
Total Past Due	244	1,519
Current	65,400	78,082
Total Loans Receivable	65,644	79,601
Loans Receivable 90 Days or More and Accruing
Real estate loans: Construction and land
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due
60-89 Days Past Due
90 or More Days Past Due
Total Past Due
Current	8,106	8,665
Total Loans Receivable	8,106	8,665
Loans Receivable 90 Days or More and Accruing
Home equity loans and credit lines
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	224	356
60-89 Days Past Due	124	15
90 or More Days Past Due	446	464
Total Past Due	794	835
Current	23,530	25,607
Total Loans Receivable	24,324	26,442
Loans Receivable 90 Days or More and Accruing
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due
60-89 Days Past Due		340
90 or More Days Past Due
Total Past Due		340
Current	18,223	16,962
Total Loans Receivable	18,223	17,302
Loans Receivable 90 Days or More and Accruing
Consumer and other
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	10
60-89 Days Past Due
90 or More Days Past Due
Total Past Due	10
Current	763	834
Total Loans Receivable	773	834
Loans Receivable 90 Days or More and Accruing

Recovered_Sheet3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Detail Textuals) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	Loan	Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	$565,000	$1,800,000
Real estate owned, net	2,220,000	3,258,000
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	565,000	1,777,000
Non-accrual loans	7,385,000	13,560,000
Number of units in real estate property	9	16
Real estate owned, net	2,220,000	3,258,000
Real Estate Owned, valuation allowance	1,200,000	942,000
Number of troubled debt restructuring loans	26	29
Performing troubled debt restructurings	7,624,000	9,786,000
Transfer from office properties and equipment to real estate owned	2,400,000	2,400,000
Loans Receivable | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans	16	22
Performing troubled debt restructurings	2,800,000	8,400,000
Loans Receivable | Real estate loans: One- to four-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	80,000	210,000
Non-accrual loans	5,126,000	5,162,000
Number of loans, nonaccrual status	47	43
Number of units in real estate property	3	7
Number of troubled debt restructuring loans	22	22
Performing troubled debt restructurings	3,430,000	3,464,000
Loans Receivable | Real estate loans: One- to four-family | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans	15	12
Loans Receivable | Real estate loans: Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded
Non-accrual loans
Performing troubled debt restructurings
Loans Receivable | Real estate loans: Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	343,000	9,000
Non-accrual loans	593,000	5,215,000
Number of loans, nonaccrual status	4	10
Number of units in real estate property	1	2
Performing troubled debt restructurings	2,121,000	4,186,000
Loans Receivable | Real estate loans: Commercial | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans		5
Loans Receivable | Real estate loans: Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	89,000
Non-accrual loans	1,046,000	1,233,000
Number of loans, nonaccrual status	2	3
Performing troubled debt restructurings	2,028,000	2,091,000
Loans Receivable | Real estate loans: Construction and land | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans	1	2
Loans Receivable | Home equity loans and credit lines
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded	53,000	8,000
Non-accrual loans	620,000	715,000
Number of loans, nonaccrual status	12	15
Number of troubled debt restructuring loans	1	1
Performing troubled debt restructurings	45,000	45,000
Loans Receivable | Non-real estate commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded		1,550,000
Non-accrual loans		1,235,000
Number of loans, nonaccrual status		3
Performing troubled debt restructurings
Loans Receivable | Non-real estate commercial loans | Nonaccrual Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans		3
Loans Receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Related Allowance, With an allowance recorded
Non-accrual loans
Number of loans, nonaccrual status		1
Performing troubled debt restructurings
Loans Receivable | Vacant real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of units in real estate property	5	6
Loans Receivable | Dockiminium
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of units in real estate property		1
Loans Receivable | Commercial real estate, construction and land and multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of troubled debt restructuring loans	3	6
Performing troubled debt restructurings	$4,100,000	$6,300,000

OFFICE_PROPERTIES_AND_EQUIPMEN2

OFFICE PROPERTIES AND EQUIPMENT - Summary of office properties and equipment (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$13,725	$13,644
Accumulated Depreciation	-6,315	-5,819
Property, Plant and Equipment, Net, Total	7,410	7,825
Land
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	1,705	1,705
Buildings
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Estimated Useful Life	25 years
Property, Plant and Equipment, Gross	8,694	8,694
Furniture, Fixtures and equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$3,326	$3,245
Furniture, Fixtures and equipment | Minimum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Estimated Useful Life	3 years
Furniture, Fixtures and equipment | Maximum
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Estimated Useful Life	7 years

DEPOSITS_Summary_of_deposit_ac

DEPOSITS - Summary of deposit accounts by type (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Deposits [Line Items]
Amount, Certificates of deposit	$96,700	$108,239
Amount, Non-interest bearing demand	48,341	42,739
Amount, NOW	150,415	152,279
Amount, Super NOW	37,466	43,740
Amount, Savings	85,913	111,219
Amount, Money market deposit	56,545	63,811
Total deposits	475,380	522,027
Average Rate, Certificates of deposit	1.40%	1.45%
Average Rate, Non-interest bearing demand
Average Rate, NOW	0.41%	0.42%
Average Rate, Super NOW	0.26%	0.35%
Average Rate, Savings	0.33%	0.56%
Average Rate, Money market deposit	0.31%	0.40%
Average Rate, Total	0.53%	0.62%
Interest Rate, 0.00% - 2.00%
Deposits [Line Items]
Amount, Certificates of deposit	64,735	70,676
Average Rate, Certificates of deposit	0.68%	0.66%
Interest Rate, 2.01% - 4.00%
Deposits [Line Items]
Amount, Certificates of deposit	31,288	35,688
Average Rate, Certificates of deposit	2.81%	2.83%
Interest Rate, 4.01% - 6.00%
Deposits [Line Items]
Amount, Certificates of deposit	$677	$1,875
Average Rate, Certificates of deposit	4.57%	4.87%

DEPOSITS_Summary_of_maturities

DEPOSITS - Summary of maturities of certificates of deposits (Details 1) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified
Deposits [Abstract]
2015	$46,069
2016	24,929
2017	13,808
2018	4,273
2019	6,411
Thereafter	1,210
Time Deposits, Total	$96,700

DEPOSITS_Summary_of_interest_e

DEPOSITS - Summary of interest expense on deposits (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Deposits [Abstract]
NOW and Super NOW	$735	$1,185
Savings	284	632
Money market demand	164	287
Certificates of deposit	1,451	1,715
Interest expense on deposits, total	$2,634	$3,819

DEPOSITS_Detail_Textuals

DEPOSITS (Detail Textuals) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Deposits [Abstract]
Certificate of deposit with a minimum denomination of $100,000	$36,800,000	$39,200,000
Deposits for related parties	$453,000	$588,000

FEDERAL_HOME_LOAN_BANK_BORROWI1

FEDERAL HOME LOAN BANK BORROWINGS (Detail Textuals) (USD $)	Dec. 31, 2014
In Millions, unless otherwise specified
Federal Home Loan Bank Borrowings [Abstract]
Borrowing capacity of assets	30.00%
Current borrowing capacity	$162.50

INCOME_TAXES_Summary_of_income

INCOME TAXES - Summary of income tax provision (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal									$47	($1,110)
State									6	2
Total current									53	-1,108
Deferred									619	-529
Total	$124	$285	$326	($63)	($523)	($697)	($596)	$179	$672	($1,637)

INCOME_TAXES_Summary_of_statut

INCOME TAXES - Summary of statutory federal income tax rate reconciliation (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Federal income tax at statutory rate, Amount									$410	($1,177)
State tax, net of federal benefit, Amount									184	-297
Tax exempt income, Amount									-61	-154
Life insurance income, Amount									-144	-149
Non-deductible expense, Amount									271
Other, Amount									12	140
INCOME TAX EXPENSE (BENEFIT)	$124	$285	$326	($63)	($523)	($697)	($596)	$179	$672	($1,637)
Federal income tax rate, % of Pretax Income									34.00%	-34.00%
State tax, net of federal benefit, % of Pretax Income									15.20%	-8.60%
Tax exempt income, % of Pretax Income									-5.10%	-4.40%
Life insurance income, % of Pretax Income									-11.90%	-4.30%
Non-deductible expense, % of Pretax Income									22.50%
Other, % of Pretax Income									1.00%	4.00%
Total, % of Pretax Income									55.70%	-47.30%

INCOME_TAXES_Summary_of_net_de

INCOME TAXES - Summary of net deferred tax assets (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Deferred tax assets:
Deferred loan fees	$15	$338
Allowance for loan losses	1,715	2,338
Securities impairment	125	125
State net operating loss carryforwards	1,218	1,202
Capital loss carryforwards	67	73
Deferred compensation	96	141
Nonaccrual interest adjustment	216	207
Allowance for REO losses	476	376
Depreciation	427	180
Net unrealized loss on securities available for sale	526	2,468
AMT Credit	48
Other	122	140
Total deferred tax assets	5,051	7,588
Valuation allowance	-336	-312
Total deferred tax liabilities
Net Deferred Tax Asset	$4,715	$7,276

INCOME_TAXES_Detail_Textuals

INCOME TAXES (Detail Textuals) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Tax Credit Carryforward [Line Items]
Retained earnings for which no provision for federal income tax has been made	$1,500,000	$1,500,000
Statutory federal income tax rate, % of Pretax Income	34.00%	-34.00%
State
Tax Credit Carryforward [Line Items]
Operating loss carryforward	19,200,000
Valuation allowance on state net operating losses	324,000
State | Capital loss carryforwards
Tax Credit Carryforward [Line Items]
Valuation allowance on state net operating losses	12,000
Tax credit carryforward	115,000
State | Expires from 2014 through 2015
Tax Credit Carryforward [Line Items]
Operating loss carryforward	5,500,000
Federal | Capital loss carryforwards
Tax Credit Carryforward [Line Items]
Tax credit carryforward	$195,000

BENEFIT_PLANS_Summary_of_total

BENEFIT PLANS - Summary of total ESOP shares (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Benefit Plans [Abstract]
Shares released for allocation	132,156	134,869
Unreleased shares	93,245	113,330
Total ESOP shares	225,401	248,199
Fair value of unreleased shares	$1,249,483	$1,507,289

BENEFIT_PLANS_Detail_Textuals

BENEFIT PLANS (Detail Textuals) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Description of 401(k) Savings Plan	All employees are eligible to participate after completing three months of eligible service. The employees may contribute up to fifteen percent of their compensation to the Plan. After one year of service the Bank will match one hundred percent of the first one percent and fifty percent of the next five percent or a maximum of three and one-half percent of total salary. Full vesting in the Plan is prorated equally over a five-year period.
Employer contribution to Plan	$88	$107
ESOP contribution expense	250	276
The 2005 ESOP Loan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
ESOP shares acquired	156,399
ESOP Direct loan description	The loan bears an interest rate of 6.00% with principal and interest payable annually in equal installments over fifteen years.
Interest rate on loans	6.00%
Term of loan for annual payments of interest and principal	15 years
The 2010 ESOP Loan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
ESOP shares acquired	91,800
ESOP Direct loan description	The loan bears an interest rate of 4.25% with principal and interest payable annually in equal installments over 10 years.
Interest rate on loans	4.25%
Term of loan for annual payments of interest and principal	10 years
ESOP loan amount	$918,000
Price per share of ESOP purchased shares	$10

STOCKBASED_COMPENSATION_Summar

STOCK-BASED COMPENSATION - Summary of restricted stock units award activity (Details) (Restricted Stock, USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Restricted Stock
Number of shares
Restricted Stock, beginning of period	52,832	93,970
Granted
Forfeited	6,536	30,871
Vested	7,082	10,267
Restricted stock, end of period	39,214	52,832
Weighted Average Grant Date Fair Value
Restricted stock , beginning of period	$12.46	$12.46
Granted
Forfeitures	$12.46	$12.45
Vested	$12.43	$12.41
Restricted stock, end of period	$12.46	$12.46

STOCKBASED_COMPENSATION_Summar1

STOCK-BASED COMPENSATION - Summary of stock options activity (Details 1) (Stock Option, USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Stock Option
Options
Options outstanding, beginning of period	291,343	379,260
Granted
Exercised	2,295
Forfeitures	30,451	87,917
Options outstanding, end of period	258,597	291,343
Exercisable at end of period	175,107	184,318
Weighted Average Exercise Price
Options outstanding, beginning of period	$12.87	$12.85
Granted
Exercised	$12.46
Forfeitures	$12.95	$12.79
Options outstanding, end of period	$12.86	$12.87
Exercisable at end of period	$13.01	$13.12

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Detail Textuals) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Description of options granted	Options may not be granted with an exercise price that is less than 100% of the fair market value of the Company's common stock on the date of grant. Options may not be granted with a term longer than 10 years.
Compensation expense	$121,000	$119,000
Tax benefit from compensation expense	0	40,000
Options granted during the period
Weighted average exercise price for the stock granted
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average grant date fair value for the stock granted
Compensation expense	81,000	81,000
Tax benefit from compensation expense	28,000	28,000
2006 Stock-based Incentive Plan (the "2006 Plan") | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized	208,247
2006 Stock-based Incentive Plan (the "2006 Plan") | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized	83,300
2006 Stock-based Incentive Plan (the "2006 Plan") | Awarded on October 19, 2006 | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights description	The options awarded vest 20% annually beginning October 19, 2007 and expire in 2016
Award vesting rights, percentage	20.00%
Options granted during the period	184,660
Weighted average exercise price for the stock granted	$13.27
Expected dividend rate	0.00%
Risk free interest rate	4.79%
Expected term assumption for options granted	6 years 6 months
Expected volatility rate	15.00%
Fair value of options granted, per share	$4.03
Weighted average contractual term of options outstanding and exercisable	1 year 9 months
2006 Stock-based Incentive Plan (the "2006 Plan") | Awarded on October 19, 2006 | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares awarded	83,300
Weighted average grant date fair value for the stock granted	$13.27
Award vesting rights description	The restricted time-based stock grants awarded vest 20% annually beginning October 19, 2007.
Award vesting rights, percentage	20.00%
2011 Equity Incentive Plan (the "2011 Plan") | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized	229,500
2011 Equity Incentive Plan (the "2011 Plan") | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized	91,800
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 20, 2011 | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights description	The options awarded vest 33% annually beginning January 20, 2012 and expire in 2021
Award vesting rights, percentage	33.00%
Options granted during the period	8,328
Weighted average exercise price for the stock granted	$12
Expected dividend rate	0.00%
Risk free interest rate	3.47%
Expected term assumption for options granted	6 years 6 months
Expected volatility rate	33.00%
Fair value of options granted, per share	$4.84
Weighted average contractual term of options outstanding and exercisable	6 years
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 20, 2011 | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares awarded	3,268
Weighted average grant date fair value for the stock granted	$12
Award vesting rights description	The restricted time-based stock grants awarded had a grant date fair value of $12.00 per share and vest 33% annually beginning January 20, 2012
Award vesting rights, percentage	33.00%
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 2, 2012 | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights description	The options awarded vest 20% annually beginning January 2, 2013 and expire in 2022
Award vesting rights, percentage	20.00%
Compensation cost not yet recognized	242,000
Stock award unrecognized compensation expense recognition period	2 years
Options granted during the period	194,600
Weighted average exercise price for the stock granted	$12.46
Expected dividend rate	0.00%
Risk free interest rate	1.41%
Expected term assumption for options granted	6 years 6 months
Expected volatility rate	32.00%
Fair value of options granted, per share	$4.34
Weighted average contractual term of options outstanding and exercisable	7 years
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 2, 2012 | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost not yet recognized	$407,000
Stock award unrecognized compensation expense recognition period	2 years
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 2, 2012 | Restricted time-based stock grants
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares awarded	45,895
Weighted average grant date fair value for the stock granted	$12.46
Award vesting rights description	The restricted time-based stock grants had a grant date fair value of $12.46 per shares and vest 20% annually beginning January 2, 2013
Award vesting rights, percentage	20.00%
Number of shares available for grant	5
2011 Equity Incentive Plan (the "2011 Plan") | Awarded on January 2, 2012 | Restricted performance-based stock grants
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares awarded	45,895
Weighted average grant date fair value for the stock granted	$12.46
Award vesting rights description	vest 20% annually with the attainment of the performance goal.  If the goal is not attained for the year, the stock grants are forfeited
Award vesting rights, percentage	20.00%
Number of shares available for grant	5

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Commitments And Contingencies [Line Items]
Financial instruments, contract amounts	$40,510	$29,645
Commitments to grant loans
Commitments And Contingencies [Line Items]
Financial instruments, contract amounts	9,115	7,079
Unfunded commitments under lines of credit
Commitments And Contingencies [Line Items]
Financial instruments, contract amounts	24,769	19,526
Commitments to purchase SBA/USDA Loans
Commitments And Contingencies [Line Items]
Financial instruments, contract amounts	3,437
Standby letters of credit
Commitments And Contingencies [Line Items]
Financial instruments, contract amounts	$3,189	$3,040

COMMITMENTS_AND_CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Detail Textuals) (Overdraft Protection And Commercial Unsecured LOC, USD $)	Dec. 31, 2014
In Millions, unless otherwise specified
Overdraft Protection And Commercial Unsecured LOC
Commitments And Contingencies [Line Items]
Line of credit, fair value	$4

REGULATORY_CAPITAL_REQUIREMENT2

REGULATORY CAPITAL REQUIREMENTS - Summary of actual capital amounts and ratios (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Banking and Thrift [Abstract]
Tangible Capital (to Adjusted Tangible Assets), Actual, Amount	$59,651	$56,820
Core Capital (to Adjusted Total Assets), Actual, Amount	59,651	56,820
Tier 1 Capital (to Risk-Weighted Assets), Actual, Amount	59,651	56,820
Total Capital (to Risk-Weighted Assets), Actual, Amount	62,847	60,568
Tangible Capital (to Adjusted Tangible Assets), Actual, Ratio	11.06%	9.74%
Core Capital (to Adjusted Total Assets), Actual, Ratio	11.06%	9.74%
Tier 1 Capital (to Risk-Weighted Assets), Actual, Ratio	23.57%	19.19%
Total Capital (to Risk-Weighted Assets), Actual, Ratio	24.83%	20.45%
Tangible Capital (to Adjusted Tangible Assets), For Capital Adequacy Purposes, Amount	8,089	8,751
Core Capital (to Adjusted Total Assets), For Capital Adequacy Purposes, Amount	21,571	23,335
Total Capital (to Risk-Weighted Assets), For Capital Adequacy Purposes, Amount	20,246	23,693
Tangible Capital (to Adjusted Tangible Assets), For Capital Adequacy Purposes, Ratio	1.50%	1.50%
Core Capital (to Adjusted Total Assets), For Capital Adequacy Purposes, Ratio	4.00%	4.00%
Total Capital (to Risk-Weighted Assets), For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Core Capital (to Adjusted Total Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	26,963	29,169
Tier 1 Capital (to Risk-Weighted Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	15,184	17,769
Total Capital (to Risk-Weighted Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Amount	$25,307	$29,616
Core Capital (to Adjusted Total Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%
Tier 1 Capital (to Risk-Weighted Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	6.00%	6.00%
Total Capital (to Risk-Weighted Assets), To be Well Capitalized under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%

REGULATORY_CAPITAL_REQUIREMENT3

REGULATORY CAPITAL REQUIREMENTS - Summary of reconciliation of GAAP capital to regulatory capital (Details 1) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total equity capital	$62,048	$56,197
Add: Net unrealized loss (gain) on available-for-sale securities	790	4,477
Less: Disallowed deferred tax asset	-3,187	-3,854
Tier I Capital	59,651	56,820
Add: Allowance for loan losses includable in Tier 2 capital	3,177	3,729
Total risk-based capital	62,847	60,568
Mutual funds (equity securities)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Add: Net unrealized loss (gain) on available-for-sale securities	$19	$19

REGULATORY_CAPITAL_REQUIREMENT4

REGULATORY CAPITAL REQUIREMENTS (Detail Textuals)	Dec. 31, 2014	Dec. 31, 2013	31-May-13
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital to adjusted total assets ratio	11.06%	9.74%
Tier I capital to risk-weighted assets ratio	23.57%	19.19%
Total risk-based capital to risk-based weighted assets ratio	24.83%	20.45%
Formal Agreement ("Agreement")
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital to adjusted total assets ratio			9.50%
Tier I capital to risk-weighted assets ratio			11.00%
Total risk-based capital to risk-based weighted assets ratio			13.00%

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS - Summary of assets measured at fair value on a recurring basis (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	$222,235	$227,126
U.S. Government obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	86,944	136,783
Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale		4,501
Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	892	945
Municipal debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	4,012	6,719
SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	17,255	1,093
GSE mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	55,306	15,463
GSE collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	57,826	61,622
(Level 2) Significant Observable Other Inputs | Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	222,235	227,126
Fair value on recurring basis | U.S. Government obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	86,944	136,783
Fair value on recurring basis | Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale		4,501
Fair value on recurring basis | Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	892	945
Fair value on recurring basis | Municipal debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	4,012	6,719
Fair value on recurring basis | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	17,255	1,093
Fair value on recurring basis | GSE mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	55,306	15,463
Fair value on recurring basis | GSE collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	57,826	61,622
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	892	945
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | U.S. Government obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	892	945
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | Municipal debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | GSE mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 1) Quoted Prices in Active Markets for Identical Assets | GSE collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	221,343	226,181
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | U.S. Government obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	86,944	136,783
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale		4,501
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | Municipal debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	4,012	6,719
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	17,255	1,093
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | GSE mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	55,306	15,463
Fair value on recurring basis | (Level 2) Significant Observable Other Inputs | GSE collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale	57,826	61,622
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | U.S. Government obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | Corporate debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | Municipal debt obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | GSE mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale
Fair value on recurring basis | (Level 3) Significant Unobservable Inputs | GSE collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Available for Sale

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Summary of assets measured at fair value on a non-recurring basis (Details 1) (Fair value on nonrecurring basis, USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	$11,574	$13,531
Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	1,884	2,600
(Level 1) Quoted Prices in Active Markets for Identical Assets | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis
(Level 1) Quoted Prices in Active Markets for Identical Assets | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis
(Level 2) Significant Observable Other Inputs | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis
(Level 2) Significant Observable Other Inputs | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis
(Level 3) Significant Unobservable Inputs | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	11,574	13,531
(Level 3) Significant Unobservable Inputs | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	$1,884	$2,600

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value inputs, assets, quantitative information (Details 2) (Fair value on nonrecurring basis, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	$11,574		$13,531
Valuation Techniques	Appraisal of collateral	[1]	Appraisal of collateral	[1]
Unobservable Input	Liquidation expenses	[2]	Liquidation expenses	[2]
Impaired loans | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-6.00%		-6.00%
Impaired loans | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-25.00%		-25.00%
Impaired loans | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-15.00%		-15.00%
Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets at fair value on a nonrecurring basis	$1,884		$2,600
Valuation Techniques	Appraisal of collateral	[1]	Appraisal of collateral	[1]
Unobservable Input	Liquidation expenses	[2]	Liquidation expenses	[2]
Real estate owned | Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-6.00%		-6.00%
Real estate owned | Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-25.00%		-25.00%
Real estate owned | Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Discount Rate	-15.00%		-15.00%
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include level 3 inputs which are not identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors including estimated liquidation expenses, which are presented above as a percent of the appraisal.

FAIR_VALUE_OF_FINANCIAL_INSTRU5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value, by balance sheet grouping (Details 3) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets:
Cash and amounts due from banks	$16,686	$23,404	$26,418
Investment securities available for sale	222,235	227,126
Investment securities held to maturity		17,291
Federal Home Loan Bank stock	503	702
Loan receivable, net	267,789	276,154
Accrued interest receivable	1,345	1,530
Financial liabilities:
Deposits	475,380	522,027
Corporate debt obligations
Financial assets:
Investment securities available for sale		4,501
Corporate debt obligations | Level 2
Financial assets:
Investment securities available for sale
Municipal debt obligations
Financial assets:
Investment securities available for sale	4,012	6,719
GSE mortgage-backed securities
Financial assets:
Investment securities available for sale	55,306	15,463
Fair value on recurring basis
Financial assets:
Investment securities available for sale	222,235	227,126
Fair value on recurring basis | Level 1
Financial assets:
Cash and amounts due from banks	16,686	23,404
Investment securities available for sale	892	945
Federal Home Loan Bank stock	503	702
Loan receivable, net
Accrued interest receivable
Financial liabilities:
Deposits
Accrued interest payable
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit
Fair value on recurring basis | Level 2
Financial assets:
Cash and amounts due from banks
Investment securities available for sale	221,343	226,181
Federal Home Loan Bank stock
Loan receivable, net
Accrued interest receivable	1,345	1,530
Financial liabilities:
Deposits	476,678	524,104
Accrued interest payable	14	16
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit
Fair value on recurring basis | Level 3
Financial assets:
Cash and amounts due from banks
Investment securities available for sale
Federal Home Loan Bank stock
Loan receivable, net	268,391	276,861
Accrued interest receivable
Financial liabilities:
Deposits
Accrued interest payable
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit
Fair value on recurring basis | Carrying amount
Financial assets:
Cash and amounts due from banks	16,686	23,404
Investment securities available for sale	222,235	227,126
Federal Home Loan Bank stock	503	702
Loan receivable, net	267,789	276,154
Accrued interest receivable	1,345	1,530
Financial liabilities:
Deposits	475,380	522,027
Accrued interest payable	14	16
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit
Fair value on recurring basis | Estimated of fair value
Financial assets:
Cash and amounts due from banks	16,686	23,404
Investment securities available for sale	222,235	227,126
Federal Home Loan Bank stock	503	702
Loan receivable, net	268,391	276,861
Accrued interest receivable	1,345	1,530
Financial liabilities:
Deposits	476,678	524,104
Accrued interest payable	14	16
Off-balance sheet financial instruments:
Commitments to extend credit and letters of credit
Fair value on recurring basis | Corporate debt obligations
Financial assets:
Investment securities available for sale		4,501
Fair value on recurring basis | Corporate debt obligations | Level 1
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | Corporate debt obligations | Level 2
Financial assets:
Investment securities available for sale		4,501
Investment securities held to maturity		1,396
Fair value on recurring basis | Corporate debt obligations | Level 3
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | Corporate debt obligations | Carrying amount
Financial assets:
Investment securities held to maturity		1,193
Fair value on recurring basis | Corporate debt obligations | Estimated of fair value
Financial assets:
Investment securities held to maturity		1,396
Fair value on recurring basis | Municipal debt obligations
Financial assets:
Investment securities available for sale	4,012	6,719
Fair value on recurring basis | Municipal debt obligations | Level 1
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | Municipal debt obligations | Level 2
Financial assets:
Investment securities available for sale	4,012	6,719
Investment securities held to maturity		16,278
Fair value on recurring basis | Municipal debt obligations | Level 3
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | Municipal debt obligations | Carrying amount
Financial assets:
Investment securities held to maturity		15,910
Fair value on recurring basis | Municipal debt obligations | Estimated of fair value
Financial assets:
Investment securities held to maturity		16,278
Fair value on recurring basis | GSE mortgage-backed securities
Financial assets:
Investment securities available for sale	55,306	15,463
Fair value on recurring basis | GSE mortgage-backed securities | Level 1
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | GSE mortgage-backed securities | Level 2
Financial assets:
Investment securities available for sale	55,306	15,463
Investment securities held to maturity		208
Fair value on recurring basis | GSE mortgage-backed securities | Level 3
Financial assets:
Investment securities available for sale
Investment securities held to maturity
Fair value on recurring basis | GSE mortgage-backed securities | Carrying amount
Financial assets:
Investment securities held to maturity		188
Fair value on recurring basis | GSE mortgage-backed securities | Estimated of fair value
Financial assets:
Investment securities held to maturity		$208

FAIR_VALUE_OF_FINANCIAL_INSTRU6

FAIR VALUE OF FINANCIAL INSTRUMENTS (Detail Textuals) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Recorded investment, With an allowance recorded	$6,400	$5,600
Related Allowance, With an allowance recorded	565	1,800
Net of partial charge-offs
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Recorded investment, With an allowance recorded	7,100	14,000
Related Allowance, With an allowance recorded	$1,400	$4,300

PARENT_COMPANY_ONLY_FINANCIAL_2

PARENT COMPANY ONLY FINANCIAL INFORMATION - Summary of condensed statements of financial condition (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS
Cash and cash equivalents	$16,686	$23,404	$26,418
Other assets	3,690	3,984
Total Assets	541,624	583,157
STOCKHOLDERS' EQUITY
Total Stockholders' Equity	63,837	59,163	68,037
Total Liabilities and Stockholders' Equity	541,624	583,157
Parent Company
ASSETS
Cash and cash equivalents	1,019	1,227	1,171
Equity investment in Colonial Bank, FSB	62,048	56,196
Loan receivable - ESOP	1,133	1,346
Other assets	119	394
Total Assets	64,319	59,163
STOCKHOLDERS' EQUITY
Other Liabilities	482
Total Stockholders' Equity	63,837	59,163
Total Liabilities and Stockholders' Equity	$64,319	$59,163

PARENT_COMPANY_ONLY_FINANCIAL_3

PARENT COMPANY ONLY FINANCIAL INFORMATION - Summary of condensed statements of operations (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Interest income	$3,120	$3,128	$3,214	$3,423	$3,511	$3,580	$3,555	$3,635	$12,885	$14,281
Net Income (Loss)									535	-1,825
Parent Company
Condensed Financial Statements, Captions [Line Items]
Interest income									71	81
Equity in income (loss) of Colonial Bank, FSB									1,915	-1,625
Total income (loss)									1,986	-1,544
General, administrative and other expenses									1,451	281
Net Income (Loss)									$535	($1,825)

PARENT_COMPANY_ONLY_FINANCIAL_4

PARENT COMPANY ONLY FINANCIAL INFORMATION - Summary of condensed cash flow statement (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income (loss)	$535	($1,825)
Stock-based compensation expense	202	200
Decrease (increase) in other assets	294	-58
Increase in other liabilities	276	328
Net cash provided by operating activities	838	4,216
Cash flows from financing activities:
Repurchase and retirement of common stock		134
Net cash used for financing activities	-46,483	-32,027
(Decrease) in cash and cash equivalents	-6,718	-3,014
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	23,404	26,418
CASH AND CASH EQUIVALENTS AT END OF PERIOD	16,686	23,404
Parent Company
Cash flows from operating activities:
Net income (loss)	535	-1,825
Stock-based compensation expense	202	200
Equity in undistributed (income) loss Colonial Bank, FSB	-1,915	1,625
Increase in cash from ESOP loan repayment	213	204
Decrease (increase) in other assets	275	-14
Increase in other liabilities	482
Net cash provided by operating activities	-208	190
Cash flows from financing activities:
Repurchase and retirement of common stock		-134
Net cash used for financing activities		-134
(Decrease) in cash and cash equivalents	-208	56
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	1,227	1,171
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$1,019	$1,227

SUMMARIZED_CONSOLIDATED_QUARTE2

SUMMARIZED CONSOLIDATED QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Summarized Consolidated Quarterly Financial Data (Unaudited) [Abstract]
Total interest income	$3,762	$3,782	$3,882	$4,110	$4,329	$4,487	$4,600	$4,713	$15,536	$18,129
Total interest expense	642	654	668	687	818	907	1,045	1,078	2,651	3,848
Net interest income	3,120	3,128	3,214	3,423	3,511	3,580	3,555	3,635	12,885	14,281
Provision for loan losses	-257	-258		548	159	2,831	2,667	42
Net interest income after provision for loan losses	3,377	3,386	3,214	2,875	3,352	749	888	3,593	12,852	8,582
Total non-interest income	621	407	900	398	425	429	1,386	515	2,326	2,755
Total non-interest expense	3,754	3,679	3,235	3,303	3,694	3,823	3,850	3,432	13,971	14,799
Income (loss) before income tax (benefit)	244	114	879	-30	83	-2,645	-1,576	676	1,207	-3,462
Income tax (benefit)	124	285	326	-63	-523	-697	-596	179	672	-1,637
Net income (loss)	$120	($171)	$553	$33	$606	($1,948)	($980)	$497
Basic earnings (loss) per share (in dollars per share)	$0.03	($0.05)	$0.15	$0.01	$0.16	($0.52)	($0.26)	$0.13	$0.14	($0.49)
Diluted earnings (loss) per share (in dollars per share)	$0.03	($0.05)	$0.15	$0.01	$0.16	($0.52)	($0.26)	$0.13	$0.14	($0.49)

PENDING_ACQUISITION_Detail_Tex

PENDING ACQUISITION (Detail Textuals) (Cape Bancorp, Inc, Merger Agreement, USD $)	0 Months Ended
In Millions, except Per Share data, unless otherwise specified	Sep. 10, 2014	Sep. 09, 2014
Cape Bancorp, Inc | Merger Agreement
Business Acquisition [Line Items]
Description of business combination	Under the Agreement, each shareholder of Colonial, subject to potential adjustments at closing, will be entitled to elect to receive either $14.50 per share in cash or 1.412 shares of Cape Bancorp's common stock, subject to 50% of the shares being exchanged for stock and 50% for cash
Percentage of share converted in merger agreement	50.00%
Percentage of share converted into cash as effect of merger agreement	50.00%
Number of common share received in exchange of each share effect of merger	1.412
Common stock par value effect of merger agreement	$14.50	$10.06
Business transaction, value		$55