Sunshine Financial 10-K 28 Mar 14 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Mar. 26, 2014	Jun. 28, 2013
Document and Entity Information:	'	'	'
Entity Registrant Name	'Sunshine Financial Inc	'	'
Document Type	'10-K	'	'
Document Period End Date	31-Dec-13	'	'
Amendment Flag	'false	'	'
Entity Central Index Key	'0001500837	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Common Stock, Shares Outstanding	'	1,131,954	'
Entity Public Float	'	'	$15,700,000
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Voluntary Filers	'No	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'

SUNSHINE_FINANCIAL_INC_AND_SUB

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Consolidated Balance Sheets (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Assets	'	'
Cash and due from banks	$620	$1,529
Interest-bearing deposits with banks	13,835	25,380
Cash and cash equivalents	14,455	26,909
Securities held to maturity	26,624	15,441
Loans, net	95,479	95,335
Premises and equipment, net	5,107	3,321
Federal Home Loan Bank stock, at cost	177	218
Deferred income taxes	2,556	2,712
Accrued interest receivable	311	367
Foreclosed real estate	724	1,878
Other assets	1,069	1,259
Total assets	146,502	147,440
Liabilities:	'	'
Noninterest-bearing deposit accounts	23,435	23,185
Money-market deposit accounts	33,000	31,910
Savings accounts	37,054	35,204
Time deposits	28,571	31,363
Total deposits	122,060	121,662
Official checks	364	442
Advances by borrowers for taxes and insurance	1	29
Other liabilities	363	372
Total liabilities	122,788	122,505
Stockholders' equity:	'	'
Common stock	11	12
Additional paid in capital	9,789	11,481
Retained earnings	14,670	14,285
Unearned Employee Stock Ownership Plan shares	-756	-843
Total stockholders' equity	23,714	24,935
Total liabilities and stockholders' equity	$146,502	$147,440

SUNSHINE_FINANCIAL_INC_AND_SUB1

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES - Consolidated Balance Sheets (Parentheticals) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Statements of Financial Condition	'	'
Securities held to maturity fair value	$25,956	$15,658
Loans, allowance for loan losses	1,294	1,533
Preferred stock par value	$0.01	$0.01
Preferred stock authorized	1,000,000	1,000,000
Preferred stock issued	0	0
Preferred stock outstanding	$0	$0
Common stock par value	$0.01	$0.01
Common stock shares authorized	6,000,000	6,000,000
Common stock shares issued	1,131,954	1,234,454
Common stock shares outstanding	1,131,954	1,234,454

SUNSHINE_FINANCIAL_INC_AND_SUB2

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Consolidated Statements of Operations (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Interest income	'	'
Loans	$5,318	$5,614
Securities	364	263
Other interest income	60	63
Total interest income	5,742	5,940
Interest expense	'	'
Deposit accounts	406	553
Net interest income	5,336	5,387
Provision for loan losses	77	1,409
Net interest income after provision for loan losses	5,259	3,978
Noninterest income	'	'
Fees and service charges on deposit accounts	1,828	2,126
Gain on loan sales	439	350
Gain on sale of foreclosed real estate	313	92
Fees and charges on loans	106	112
Other noninterest income	161	39
Total noninterest income	2,847	2,719
Noninterest expenses	'	'
Salaries and employee benefits	3,526	3,517
Occupancy and equipment	1,192	1,098
Data processing services	793	901
Professional fees	691	652
Deposit insurance	120	120
Advertising and promotion	68	85
Stationery and supplies	81	69
Telephone and postage	242	264
Foreclosed real estate expense	210	434
Credit card expense	129	131
Other noninterest expense	488	302
Total noninterest expenses	7,540	7,573
Earnings (loss) before income taxes (benefit)	566	-876
Income taxes (benefit)	181	-348
Net income (loss)	$385	($528)
Basic earnings (loss) per common share	$0.34	($0.46)
Diluted earnings (loss) per common share	$0.33	($0.46)

SUNSHINE_FINANCIAL_INC_AND_SUB3

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES - Consolidated Statements of Stockholders' Equity (USD $)	Total	Common Stock Shares	Common Stock Amount	Additional Paid in Capital	Retained Earnings	Unearned ESOP Shares	Total Stockholders' Equity
In Thousands, except Share data	USD ($)		USD ($)	USD ($)	USD ($)	USD ($)	USD ($)
Balance at beginning of period at Dec. 31, 2011	'	'	$12	$11,487	$14,813	'	$25,385
Balance at beginning of period shares at Dec. 31, 2011	'	1,234,454	'	'	'	-927	'
Net income (loss)	-528	'	'	'	-528	'	-528
Stock based compensation expense	'	'	'	2	'	'	2
Common stock allocated to ESOP participants	'	'	'	-8	'	84	76
Balance at end of period at Dec. 31, 2012	'	'	12	11,481	14,285	-843	24,935
Balance at end of period shares at Dec. 31, 2012	'	1,234,454	'	'	'	-843	'
Balance at beginning of period at Dec. 31, 2012	'	'	'	'	'	'	'
Net income (loss)	385	'	'	'	385	'	385
Repurchase of common stock shares	'	-102,500	'	'	'	'	'
Repurchase of common stock	-1,764	'	-1	-1,763	'	'	-1,764
Stock based compensation expense	'	'	'	111	'	'	111
Common stock allocated to ESOP participants	'	'	'	-40	'	87	47
Balance at end of period at Dec. 31, 2013	'	'	$11	$9,789	$14,670	'	$23,714
Balance at end of period shares at Dec. 31, 2013	'	1,131,954	'	'	'	-756	'

SUNSHINE_FINANCIAL_INC_AND_SUB4

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:	'	'
Net earnings (loss)	$385	($528)
Adjustments to reconcile net earnings (loss) to net cash provided by operating activities:	'	'
Depreciation	547	503
Provision for loan losses	77	1,409
Deferred income taxes (benefit)	156	-348
Net amortization of premiums/discounts on securities	64	75
Net amortization of deferred loan fees and costs	11	13
Loans originated for sale	-8,761	-14,993
Proceeds from loans sold	9,524	15,002
Gain on sale of loans	-439	-350
ESOP compensation expense	47	76
Share-based compensation expense	111	2
Decrease in accrued interest receivable	56	87
Decrease in other assets	432	178
Increase (decrease) on sale of foreclosed real estate	-313	-92
Write-down of foreclosed real estate	29	132
Amortization of loan servicing rights	36	'
Decrease in official checks	-78	-130
Net (decrease) increase in advances by borrowers for taxes and insurance	-28	8
(Decrease) increase in other liabilities	-9	6
Net cash provided by operating activities	1,847	1,050
Cash flows from investing activities:	'	'
Purchases of securities held-to-maturity	-14,577	-8,272
Principal pay-downs on held-to-maturity securities	3,330	2,591
Net (increase) decrease in loans	-1,846	3,314
Net purchases of premises and equipment	-2,333	-201
Redemption of Federal Home Loan Bank stock	41	29
Proceeds from sale of foreclosed real estate	2,452	1,114
Capital expenditures for foreclosed real estate	-2	-17
Net cash used in investing activities	-12,395	-1,442
Cash flows from financing activities:	'	'
Net increase in deposits	398	2,246
Repurchase of common stock	-1,764	'
Net cash (used in) provided by financing activities	-1,366	2,246
(Decrease) increase in cash and cash equivalents	-12,454	1,854
Cash and cash equivalents at beginning of year	26,909	25,055
Cash and cash equivalents at end of year	14,455	26,909
Cash paid during the year for:	'	'
Income taxes	25	'
Interest	406	553
Noncash transactions:	'	'
Transfer from loans to foreclosed real estate	1,012	2,296
Transfer of foreclosed real estate to loans	'	24
Loan servicing rights capitalized	$278	'

1_Organization_and_Significant

(1) Organization and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2013
Notes	'
(1) Organization and Significant Accounting Policies	'
	(1)  Organization and Significant Accounting Policies
	Organization. Sunshine Financial, Inc. ("Sunshine Financial" or the "Holding Company"), a Maryland corporation, is the holding company for Sunshine Savings Bank (the "Bank") and owns all the outstanding common stock of the Bank.
	The Holding Company's only business is the operation of the Bank.  The Bank through its four banking offices provides a variety of retail community banking services to individuals and businesses primarily in Leon County, Florida. The Bank's deposits are insured up to the applicable limits by the Federal Deposit Insurance Corporation. The Bank's subsidiary is Sunshine Member Insurance Services, Inc. ("SMSI"), which was established to sell automobile warranty and credit life and disability insurance products associated with loan products. Collectively the entities are referred to as the "Company."
	The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America ("GAAP") and to prevailing practices within the banking industry.  The following summarizes the more significant of these policies and practices.
	Principles of Consolidation.  The consolidated financial statements include the accounts of Sunshine Financial, Inc. and its wholly-owned subsidiaries.  All significant intercompany accounts and transactions have been eliminated in consolidation.
	Use of Estimates.  In preparing financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the valuation of foreclosed real estate and deferred tax assets.
	Cash and Cash Equivalents.  For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and balances due from banks and interest-bearing deposits with banks, all of which mature within ninety days.
	Banks are required to maintain cash reserves in the form of vault cash, in a noninterest-earning account with the Federal Reserve Bank or in noninterest-earning accounts with other qualified banks.  This requirement is based on the amount of the Bank's transaction deposit accounts.
	Securities.  Securities may be classified as either trading, held-to-maturity or available-for-sale. Trading securities are held principally for resale and recorded at their fair values.  Unrealized gains and losses on trading securities are included immediately in operations.  Held-to-maturity securities are those which the Company has the positive intent and ability to hold to maturity and are reported at amortized cost.  Available-for-sale securities consist of securities not classified as trading securities nor as held to maturity securities.  Unrealized holding gains and losses on available-for-sale securities are excluded from operations and reported in comprehensive income. Gains and losses on the sale of available for sale securities are recorded on the trade date and are determined using the specific identification method. Premiums and discounts on securities available for sale are recognized in interest income using the interest method over the period to maturity.
	Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.
	Loans Held for Sale.  The Bank originates loans for sale in the secondary market.  These loans are carried at the lower of cost or estimated fair value in the aggregate.  At December 31, 2013 and 2012, there were $75,000 and $677,000, respectively, of loans held for sale.  Loans held for sale are included in loans on consolidated balance sheets.
	Loans.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay off are reported at their outstanding principal adjusted for any charge offs, the allowance for loan losses, and any deferred fees or costs on originated loans.
	Loan origination fees are deferred and certain direct origination costs are capitalized.  The net amount is recognized as an adjustment of the yield over the contractual life of the related loan.
	The accrual of interest on loans is discontinued at the time the loan is more than ninety-days delinquent unless the loan is well collateralized and in process of collection.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered unlikely.
	All interest accrued but not collected for loans placed on nonaccrual or charged-off is reversed against interest income.  The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and remain current for a period of six months.
	Allowance for Loan Losses.  The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to operations.  Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance. There were no changes in the Bank's accounting policies or methodology during the years ended December 31, 2013 or 2012.
	The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	The allowance consists of specific and general components.  The specific component relates to loans that are classified as impaired.  For such loans, an allowance is established when the discounted cash flows, collateral value or observable market price of the impaired loan is lower than the carrying value of that loan.  The general component covers all other loans and is based on historical industry loss experience adjusted for qualitative factors.
	The historical loss component of the allowance is determined by losses recognized by portfolio segment over the preceding two years. This is supplemented by the risks for each portfolio segment. Risk factors impacting loans in each of the portfolio segments include changes in lending policies and procedures, economic conditions, volume and nature of loans, lending management experience, volume of troubled loans, quality of loan review system, value of collateral-dependent loans, credit concentrations and competition and regulatory change. The historical experience is adjusted for qualitative factors such as economic conditions and other trends or uncertainties that could affect management's estimate of probable losses.
	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. 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 residential mortgage loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.
	Income Taxes.  There are two components of income taxes: current and deferred.  Current income taxes reflect 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 results from changes in deferred tax assets and liabilities between periods.
	Deferred income taxes result from changes in deferred tax assets and liabilities between periods.  Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination.  The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation 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.  Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. As of December 31, 2013, management is not aware of any uncertain tax positions that would have a material effect on the Company's consolidated financial statements.
	The Company files consolidated income tax returns.  Income taxes are allocated to the Holding Company and the Bank as if separate income tax returns were filed.  Interest and penalties on income taxes are recognized as a component of income taxes.
	Loan Servicing.  Servicing assets are recognized as separate assets when rights are acquired through purchase or through sale of financial assets.  Capitalized servicing rights are amortized in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets.  Servicing assets are evaluated for impairment based upon the fair value of the rights compared to amortized cost.  Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms.  Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions.  Impairment is recognized through a valuation allowance for an individual stratum, to the extent that fair value is less than the capitalized amount for the stratum.  At December 31, 2013, the amount of loan servicing assets was immaterial.  There was no loan servicing asset at December 31, 2012.
	Premises and Equipment.  Land is stated at cost.  Buildings and improvements and furniture and equipment are stated at cost, less accumulated depreciation.  Depreciation expense is computed using the straight line method over the estimated useful lives of the assets.  Estimated useful lives for buildings and improvements range from ten to forty years; for furniture and fixtures from five to seven years.
	Foreclosed Real Estate.  Real estate acquired through, or in lieu of, loan foreclosure is held for sale and are initially recorded at fair value less costs to sell at the date of foreclosure, establishing a new cost basis.  After foreclosure, valuations are periodically performed by management and the real estate is carried at the lower of the new cost basis or fair value less costs to sell.  Revenue and expenses from operations are included in the consolidated statements of operations.
	Off Balance Sheet Financial Instruments.  In the ordinary course of business the Company has entered into off balance sheet financial instruments consist of unused lines of credit.  Such financial instruments are recorded in the consolidated financial statements when they are funded.
	Transfer of Financial Assets.  Transfers of financial assets or a participating interest in an entire financial asset are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.  A participating interest is a portion of an entire financial asset that (1) conveys proportionate ownership rights with equal priority to each participating interest holder (2) involves no recourse (other than standard representations and warranties) to, or subordination by, any participating interest holder, and (3) does not entitle any participating interest holder to receive cash before any other participating interest holder.
	Fair Value Measurements.  Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. GAAP also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The hierarchy describes three levels of inputs that may be used to measure fair value:
	Level 1: Observable inputs such as quoted prices (unadjusted) in active markets for identical assets or liabilities.
	Level 2: Inputs other than quoted prices that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities that are not active; and model-driven valuations whose inputs are observable or whose significant value drivers are observable. Valuations may be obtained from, or corroborated by, third-party pricing services.
	Level 3: Unobservable inputs to measure fair value of assets and liabilities for which there is little, if any market activity at the measurement date, using reasonable inputs and assumptions based upon the best information at the time, to the extent that inputs are available without undue cost and effort.
	The following describes valuation methodologies used for assets measured at fair value:
	Impaired Loans.  The Company's impaired loans are normally collateral dependent and, as such, are carried at the lower of the Company's net recorded investment in the loan or the estimated fair value of the collateral less estimated selling costs. Estimates of fair value are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company's management related to values of properties in the Company's market areas. These officers take into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value. Accordingly, fair value estimates for impaired loans is classified as Level 3.
	Foreclosed Real Estate.  The Company's foreclosed real estate is recorded at fair value less estimated selling costs.  Estimates of fair values are determined based on a variety of information, including the use of available appraisals, estimates of market value by licensed appraisers or local real estate brokers and the knowledge and experience of the Company's management related to values of properties in the Company's market areas.  These officers taken into consideration the type, location and occupancy of the property as well as current economic conditions in the area the property is located in assessing estimates of fair value.  Accordingly, the fair values estimates for foreclosed real estate are classified as Level 3.
	Fair Values of Financial Instruments.  The following methods and assumptions were used by the Company in estimating fair values of financial instruments:
	Cash and Cash Equivalents.  The carrying amounts of cash and cash equivalents approximate their fair value.
	Securities Held to Maturity.  Fair values for securities are based on the framework for measuring fair value.
	Loans.  For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values are based on carrying values.  Fair values for fixed-rate mortgage and consumer loans are estimated using discounted cash flow analyses, using a third party, Risk Analytics pricing model. Fair values for impaired loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable.
	Federal Home Loan Bank Stock.  Fair value of the Company's investment in Federal Home Loan Bank stock is its redemption value of $100 per share.
	Accrued Interest Receivable.  The carrying amounts of accrued interest approximate their fair values.
	Deposit Liabilities.  The fair values disclosed for demand, NOW, money-market and savings deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts).  Fair values for fixed-rate time deposits are estimated using the Risk Analytics pricing model.
	Off-Balance-Sheet Financial Instruments.  Fair values for off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties' credit standing.  The fair value of these fees is not material.
	Recent Pronouncements.  In July 2012, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2012-02, Testing Indefinite-Lived Intangible Assets for Impairment, which, among other things, gives an entity the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. The adoption of this guidance had no effect on the Company's consolidated financial statements.
	In January 2013, the FASB issued ASU No. 2013-01, Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities, which limits the scope of the new balance sheet offsetting disclosures in ASU 2011-11 to derivatives, repurchase agreements, and securities lending transactions to the extent that they are (1) offset in the financial statements or (2) subject to an enforceable master netting arrangement or similar agreement. The adoption of this guidance had no effect on the Company's consolidated financial statements.
	In February 2013, the FASB Issued ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income, which requires entities to present information about reclassification adjustments from accumulated other comprehensive income in their annual financial statements in a single note or on the face of the financial statements. The adoption of this guidance had no effect on the Company's consolidated financial statements.
	In February 2013, the FASB Issued ASU No. 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date. ASU 2013-04 provides guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for obligations within the scope of this ASU, which is effective January 1, 2014. Upon adoption, this guidance did not impact the Company's consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists, which among other things, require an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as denoted within the ASU. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Upon adoption, this guidance did not impact the Company's consolidated financial statements.
	Recent Regulatory Developments
	Basel III Rules.  On July 2, 2013, the Federal Reserve Board ("FRB") approved the final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks. Under the final rules, minimum requirements will increase for both the quantity and quality of capital held by the Bank. The rules include a new common equity Tier 1 capital to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets. The final rules also raise the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and require a minimum leverage ratio of 4.0%. The final rules also implement strict eligibility criteria for regulatory capital instruments. On July 9, 2013, the FDIC also approved, as an interim final rule, the regulatory capital requirements for U.S. banks, following the actions of the FRB. The FDIC's rule is identical in substance to the final rules issued by the FRB.
	The phase-in period for the final rules will begin for the Bank on January 1, 2015, with full compliance with all of the final rule's requirements phased in over a multi-year schedule. The Bank is currently evaluating the provisions of the final rules and their expected impact on the Bank.
	Reclassifications.  Certain amounts in the 2012 consolidated financial statements have been reclassified to conform with the 2013 presentation.

2_Earnings_loss_Per_Share

(2) Earnings (loss) Per Share	12 Months Ended
	Dec. 31, 2013
Notes	'
(2) Earnings (loss) Per Share	'
	(2)  Earnings (Loss) Per Share
	Earnings (loss) per share ("EPS") has been computed on the basis of the weighted-average number of shares of common stock outstanding for 2013. Outstanding stock options are considered dilutive securities for purposes of calculating diluted EPS which was computed using the treasury stock method. For 2012, outstanding stock options were not considered dilutive securities due to the net loss incurred by the Company.  The shares purchased by the ESOP are included in the weighted-average shares when they are committed to be released (dollars in thousands, except per share amounts):
		2013			2012
			Weighted-	Per		Weighted-	Per
			Average	Share		Average	Share
		Earnings	Shares	Amount	Loss	Shares	Amount
	Year Ended December 31:
	Basic EPS:
	Net earnings (loss)	$385	1,147,610	$0.34	($528)	1,148,355	($0.46)
	Effect of dilutive securities-
	Incremental shares from assumed conversion
	of options (antidilutive in 2012)		17,700			-
	Diluted EPS:
	Net earnings (loss)	$385	1,165,311	$0.33	($528)	1,148,355	($0.46)

3_Securities_Held_To_Maturity

(3) Securities Held To Maturity	12 Months Ended
	Dec. 31, 2013
Notes	'
(3) Securities Held To Maturity	'
	(3)  Securities Held to Maturity
	Management has classified all securities as held to maturity.  The carrying amount of securities and their fair values at the dates indicated are as follows (in thousands):
			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
	At December 31, 2013:
	Mortgage-backed securities	$2,167	88	-	2,255
	Collateralized mortgage obligations	24,457	34	-790	23,701
		$26,624	122	-790	25,956
	At December 31, 2012:
	Mortgage-backed securities	3,137	166	-	3,303
	Collateralized mortgage obligations	12,304	73	-22	12,355
		$15,441	239	-22	15,658
	There were no sales of securities during 2013 or 2012. There were no securities pledged as of December 31, 2013 and 2012.
	Securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position at the date indicated, are as follows (in thousands):
		Less than Twelve Months		Twelve Months or Longer
		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value
	At December 31, 2013:
	Collateralized mortgage obligations	($481)	17,985	-309	4,315
	The unrealized losses on twenty-six securities are considered by management to be attributable to changes in market interest rates, and not attributable to credit risk on the part of the issuer. Accordingly, if market rates were to decline, much or all of the decline in market value would likely be recovered through market appreciation. As management has the ability and intent to hold debt securities until maturity, or for the foreseeable future, no declines in the fair value below amortized cost are deemed to be other than temporary.

4_Loans

(4) Loans	12 Months Ended
	Dec. 31, 2013
Notes	'
(4) Loans	'
	(4)  Loans
	The loan portfolio segments and classes at the dates indicated are as follows (in thousands):
		December 31,
		2013	2012
	Real estate mortgage loans:
	One-to-four-family	$50,629	$59,987
	Lot loans	5,293	6,289
	Commercial real estate	18,189	7,847
	Construction	381	1,006
	Total real estate loans	74,492	75,129
	Commercial	296	24
	Consumer loans:
	Home equity	8,817	10,407
	Automobile	4,000	3,043
	Credit cards and unsecured	7,100	7,521
	Deposit account	622	578
	Other	1,202	1,428
	Total consumer loans	21,741	22,977
	Total loans	96,529	98,130
	Less:
	Loans in process	318	-1,199
	Deferred fees and discounts	-74	-63
	Allowance for losses	(1,294)	(1,533)
	Total loans, net	$95,479	$95,335
	The Company has divided the loan portfolio into three portfolio segments and ten classes, each with different risk characteristics and methodologies for assessing risk. The portfolio segments identified by the Company are as follows:
	Real Estate Mortgage Loans.  Real estate mortgage loans are loans comprised of four classes: One- to four-family, Lot loans, Commercial real estate and Construction loans. The Company generally originates one- to four-family mortgage loans in amounts up to 80% of the lesser of the appraised value or purchase price of a mortgaged property, but will also permit loan-to-value ratios of up to 95%. For one- to four-family loans exceeding an 80% loan-to-value ratio, the Company generally requires the borrower to obtain private mortgage insurance covering any loss on the amount of the loan in excess of 80% in the event of foreclosure. Commercial real estate loans are generally originated at 75% or less loan-to-value ratio and have amortization terms of up to 20 years and maturities of   up to ten years.  Construction loans to borrowers are to finance the construction of one- to four-family, owner occupied properties. These loans are categorized as construction loans during the construction period, later converting to residential real estate loans after the construction is complete and amortization of the loan begins. Real estate construction loan funds are disbursed periodically based on the percentage of construction completed.  If the estimate of construction cost proves to be inaccurate, the Company may be compelled to advance additional funds to complete the construction with repayment dependent, in part, on the success of the ultimate project rather than the ability of a borrower to repay the loan.  The Company carefully monitors these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Construction loans are typically secured by the properties under construction. The Company also makes loans for the purchase of developed lots for future construction of the borrower's primary residence. Construction and lot loan lending is generally considered to involve a higher degree of credit risk than long-term permanent financing of residential properties.
	Commercial.  Commercial loans are primarily underwritten on the basis of the borrowers' ability to service such debt from income.  The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value.  As a general practice, the Company takes as collateral a security interest in any available real estate, equipment, or other chattel, although loans may also be made on an unsecured basis.  Collateralized working capital loans typically are secured by short-term assets whereas long-term loans are primarily secured by long-term assets.
	Consumer Loans. Consumer loans are comprised of five classes: Home Equity, Automobile, Credit cards and unsecured, Deposit account and Other.  The Company offers a variety of secured consumer loans, including home equity, new and used automobile, boat and other recreational vehicle loans, and loans secured by savings deposits.  The Company also offers unsecured consumer loans including a credit card product.  The Company originates its consumer loans primarily in its market area.  Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary source of repayment. Consumer loans are made at fixed and variable interest rates and may be made on terms of up to twenty years. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
	The activity in the allowance for loan losses for the periods shown was as follows (in thousands):
		Real Estate Loans					Consumer Loans
		One-to Four- Family	Lot Loans	Commercial Real Estate	Constru- ction	Comm- ercial Loans	Home Equity	Auto- mobile	Credit Cards and Unsecured	Deposit Account	Other	Un- allocated	Total
	Year Ended December 31, 2013:
	Beginning balance	$690	88	78	-	-	343	9	231	-	94	-	1,533
	Provision (credit) for loan loss	144	37	85	1	5	-248	-	41	-	-6	18	77
	Charge-offs	-243	-32	-	-	-	-144	-1	-136	-	-24	-	-580
	Recoveries	14	-	-	-	-	195	4	51	-	-	-	264
	Ending balance	$605	93	163	1	5	146	12	187	-	64	18	1,294
	Individually evaluated for impairment:
	Recorded investment	$2,935	-	-	-	-	281	-	47	-	-	-	3,263
	Balance in allowance for loan losses	$68	-	-	-	-	3	-	3	-	-	-	74
	Collectively evaluated for impairment:
	Recorded investment	$47,694	5,293	18,189	381	296	8,536	4,000	7,053	622	1,202	-	93,266
	Balance in allowance for loan losses	$537	93	163	1	5	143	12	184	-	64	18	1,220
	Year Ended December 31, 2012:
	Beginning balance	475	144	-	-	-	235	39	337	-	99	-	1,329
	Provision (credit) for loan loss	666	67	78	-	-	388	-24	125	-	109	-	1,409
	Charge-offs	-611	-128	-	-	-	-303	-18	-283	-	-115	-	-1,458
	Recoveries	160	5	-	-	-	23	12	52	-	1	-	253
	Ending balance	$690	88	78	-	-	343	9	231	-	94	-	1,533
	Individually evaluated for impairment:
	Recorded investment	$3,156	135	-	-	-	318	-	38	-	-	-	3,647
	Balance in allowance for loan losses	$30	-	-	-	-	-	-	-	-	-	-	30
	Collectively evaluated for impairment:
	Recorded investment	$56,831	6,154	7,847	1,006	24	10,089	3,043	7,483	578	1,428	-	94,483
	Balance in allowance for loan losses	$660	88	78	-	-	343	9	231	-	94	-	1,503
	The following summarizes the loan credit quality at the dates indicated (in thousands):
	Credit Risk
	Profile by Internally	One to Four	Lot	Commercial Real	Constru-	Comme-	Home	Auto-	Credit Cards and	Deposit
	Assigned Grade:	Family	Loans	Estate	ction	rcial	Equity	mobile	Unsecured	Account	Other	Total
	At December 31, 2013:
	Grade:
	Pass	$46,775	5,293	18,189	381	296	8,464	3,958	7,029	622	1,008	92,015
	Special mention	483	-	-	-	-	75	4	13	-	28	603
Substandard	3,371	-	-	-	-	278	38	58	-	166	3,911
Total	$50,629	5,293	18,189	381	296	8,817	4	7,100	622	1,202	96,529
At December 31, 2012:
Grade:
Pass	55,104	6,202	7,847	1,006	24	9,935	3,010	7,473	578	1,428	92,607
Special mention	923	-	-	-	-	26	14	4	-	-	967
Substandard	3,960	87	-	-	-	446	19	44	-	-	4,556
Total	$59,987	6,289	7,847	1,006	24	10,407	3,043	7,521	578	1,428	98,130
Internally assigned loan grades are defined as follows:
Pass – A Pass loan's primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary.
Special Mention – A Special Mention loan has potential weaknesses that deserve management's close attention.  If left uncorrected, these potential weaknesses may result in the deterioration of the repayment prospects for the asset or the Company's credit position at some future date.  Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.
Substandard – A Substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
Doubtful – A loan classified Doubtful has all the weaknesses inherent in one classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Loss – A loan classified Loss is considered uncollectible and of such little value that continuance as a bankable asset is not warranted.  This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future.
Age analysis of past-due loans at the dates indicated is as follows (in thousands):
	Accruing Loans
			90 Days
	30-59	60-89	and	Total
	Days	Days	Greater	Past		Nonaccrual	Total
	Past Due	Past Due	Past Due	Due	Current	Loans	Loans
At December 31,  2013:
Real estate loans:
One-to-four family	$912	494	-	1,406	48,226	997	50,629
Lot loans	-	35	-	35	5,238	20	5,293
Commercial	-	-	-	-	18,189	-	18,189
Construction	-	-	-	-	381	-	381
Commercial loans	-	-	-	-	296	-	296
Consumer loans:
Home equity	123	72	-	195	8,553	69	8,817
Automobile	2	4	-	6	3,956	38	4,000
Credit cards and unsecured	63	13	-	76	7,011	13	7,100
Deposit account	-	-	-	-	622	-	622
Other	130	29	-	159	877	166	1,202
Total	$1,230	647	-	1,877	93,349	1,303	96,529
At December 31,  2012:
Real estate loans:
One-to-four family	1,310	611	-	1,921	56,033	2,033	59,987
Lot loans	96	-	-	96	6,106	87	6,289
Commercial	-	-	-	-	7,847	-	7,847
Construction	-	-	-	-	1,006	-	1,006
Commercial loans	-	-	-	-	24	-	24
Consumer loans:
Home equity	527	110	-	637	9,612	158	10,407
Automobile	-	14	-	14	3,010	19	3,043
Credit cards and unsecured	146	-	-	146	7,365	10	7,521
Deposit account	-	-	-	-	578	-	578
Other	100	-	-	100	1,328	-	1,428
Total	$2,179	735	-	2,914	92,909	2,307	98,130
The following summarizes the amount of impaired loans at the dates indicated (in thousands):
	With No Related Allowance Recorded			With an Allowance Recorded				Total
	Recorded Investment	Unpaid Principal Balance		Recorded Investment	Unpaid Principal Balance	Related Allowance		Recorded Investment	Unpaid Principal Balance	Related Allowance
At December 31, 2013:
Real estate loans:
One-to-four family	$1,468	1,578		1,467	1,467	68		2,935	3,045	68
Lot loans	-	-		-	-	-		-	-	-
Consumer loans:
Home equity	236	265		45	45	3		281	310	3
Credit card and unsecured	31	37		16	16	3		47	53	3
	$1,735	1,880		1,528	1,528	74		3,263	3,408	74
At December 31, 2012:
Real estate loans:
One-to-four family	2,625	2,902		531	531	30		3,156	3,433	30
Lot loans	135	356		-	-	-		135	356	-
Consumer loans:
Home equity	318	476		-	-	-		318	476	-
Credit card and unsecured	38	44		-	-	-		38	44	-
	$3,116	3,778		531	531	30		3,647	4,309	30
As of December 31, 2013 and 2012, the Company's loan portfolio included primarily large groups of smaller balance homogeneous loans.  The Company considers individual single family home loans which are in the process of foreclosure for impairment as well as all troubled debt restructurings ("TDR") (which involve loans in which the Company forgave a portion of interest or principal or reduced the interest rate materially less than that of market rates).
The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):
	Average	Interest	Interest
	Recorded	Income	Income
	Investment	Recognized	Received
For the Year Ended December 31, 2013:
Real estate loans:
One-to-four family	$3,076	92	95
Lot loans	18	-	-
Consumer loans:
Home equity	268	6	6
Credit card and unsecured	36	1	1
Total	$3,398	99	102
For the Year Ended December 31, 2012:
Real estate loans:
One-to-four family	3,604	92	98
Lot loans	73	2	31
Consumer loans:
Home equity	402	8	9
Credit card and unsecured	31	-	-
Total	$4,110	102	138
Troubled debt restructurings entered into are as follows (dollars in thousands):
	Outstanding Recorded Investment
	Number
	of	Pre-	Post-
	Contracts	Modification	Modification
Year Ended December 31, 2013:
Real estate mortgage loans-
One-to-four family-
Modified interest rates	3	$952	952
Consumer loans-
Home equity-
Modified interest rates	1	45	45
Credit card and unsecured-
Modified interest rates	1	17	17
	5	$1,014	1,014
Year Ended December 31, 2012:
Real estate mortgage loans-
One-to-four family-
Modified interest rates	4	721	721
Consumer loans-
Credit card and unsecured-
Modified interest rates	1	49	49
	5	$770	770
The allowance for loan losses on residential real estate and consumer loans that have been restructured and are considered TDR’s is included in the Company's specific reserve. The specific reserve is determined on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, or the fair value of the collateral if the loan is collateral-dependent. TDR's that have subsequently defaulted are considered collateral-dependent.  The Company has not had any TDR’s which were restructured during the 2013 or 2012 that subsequently defaulted in the same year.

5_Premises_and_Equipment

(5) Premises and Equipment	12 Months Ended
	Dec. 31, 2013
Notes	'
(5) Premises and Equipment	'
	(5)  Premises and Equipment
	Premises and equipment are summarized as follows (in thousands):
		At December 31,
		2013	2012
	Land	$1,125	528
	Buildings and improvements	5,574	4,341
	Furniture and equipment	4,233	4,399
	Total, at cost	10,932	9,268
	Less accumulated depreciation	5,825	5,947
	Premises and equipment, net	$5,107	3,321
	Certain facilities are leased under operating leases. Rental expense was $196,000 and $192,000 for the years ended December 31, 2013 and 2012, respectively.  The operating leases generally contain escalation clauses.  The future minimum lease payments are as follows (in thousands):
	Year Ending
	December 31,	Amount
	2014	$172
	2015	154
	2016	79
	2017	27
		$432
	On September 26, 2013, the Company purchased the buildings, real estate, fixtures and equipment of two former bank branch offices in Tallahassee, Florida, from Centennial Bank for an aggregate purchase price of $2.1 million.  One branch location was opened on January 15, 2014 and the Company anticipates opening the other branch in late 2014.

6_Foreclosed_Real_Estate

(6) Foreclosed Real Estate	12 Months Ended
	Dec. 31, 2013
Notes	'
(6) Foreclosed Real Estate	'
	(6)  Foreclosed Real Estate
	Expenses applicable to foreclosed real estate are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Write-down of foreclosed real estate	$29	132
	Operating expenses	181	302
		$210	434

7_Deposits

(7) Deposits	12 Months Ended
	Dec. 31, 2013
Notes	'
(7) Deposits	'
	(7)  Deposits
	The aggregate amount of time deposits with a minimum denomination of $100,000 was approximately $8.1 million and $8.5 million at December 31, 2013 and 2012, respectively.  Deposits in excess of $250,000 are not insured by FDIC.  The scheduled maturities of time deposits are as follows (in thousands):
	Year Ending
	December 31,	Amount
	2014	$21,520
	2015	3,900
	2016	1,101
	2017	1,260
	2018	790
		$28,571
	Interest expense details are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Money-market deposit accounts	$139	146
	Savings accounts	105	171
	Time deposits	162	236
		$406	553

8_Line_of_Credit

(8) Line of Credit	12 Months Ended
	Dec. 31, 2013
Notes	'
(8) Line of Credit	'
	(8)  Line of Credit
	The Company also has an unsecured federal funds line of credit for $4.5 million with a correspondent bank and a $14.5 million line with the Federal Home Loan Bank of Atlanta collateralized by a blanket lien on qualifying loans. At December 31, 2013 and 2012, the Company had no outstanding balances on these lines.

9_Offbalancesheet_Financial_In

(9) Off-balance-sheet Financial Instruments	12 Months Ended
	Dec. 31, 2013
Notes	'
(9) Off-balance-sheet Financial Instruments	'
	(9)  Off-Balance-Sheet Financial Instruments
	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments are unused lines of credit and may involve, to varying degrees, elements of credit and interest-rate risk in excess of the amount recognized in the balance sheets.  The contract amounts of these instruments reflect the extent of involvement the Company has in these financial instruments.
	The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for unused lines of credit is represented by the contractual amount of those instruments.  The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.
	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.  Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer's credit worthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company upon extension of credit is based on management's credit evaluation of the counterparty.
	Unused lines of credit typically result in loans with a market interest rate when funded. A summary of the amounts of the Company's financial instruments, with off-balance-sheet risk at the dates indicated follows (in thousands):
		At December 31,
		2013
	Unused lines of credit (rates range from
	3.93% to 15.45%)	$15,274

10_Fair_Value_of_Financial_Ins

(10) Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2013
Notes	'
(10) Fair Value of Financial Instruments	'
	(10)  Fair Value of Financial Instruments
	The estimated fair values of the Company's financial instruments at the dates indicated are as follows (in thousands):
		At December 31, 2013		At December 31, 2012
		Carrying	Fair	Carrying	Fair
		Amount	Value	Amount	Value
	Financial assets:
	Cash and cash equivalents (Level 1)	$14,455	14,455	26,909	26,909
	Securities held to maturity (Level 2)	26,624	25,956	15,441	15,658
	Loans (Level 3)	95,479	95,617	95,335	95,228
	Federal Home Loan Bank stock (Level 3)	177	177	218	218
	Accrued interest receivable (Level 3)	311	311	367	367
	Financial liabilities:
	Deposits (Level 3)	122,060	118,443	112,662	119,741
	Off-balance-sheet financial instruments (Level 3)	-	-	-	-

11_Income_Taxes

(11) Income Taxes	12 Months Ended
	Dec. 31, 2013
Notes	'
(11) Income Taxes	'
	(11)  Income Taxes
	The components of income taxes (benefit) for the years ended December 31, 2013 and 2012 are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Current:
	Federal	$25	-
	State	-	-
	Total current	25	-
	Deferred:
	Federal	130	-297
	State	26	-51
	Total deferred	156	-348
	Income taxes (benefit)	$181	-348
	The reasons for the differences between the statutory Federal income tax rate and the effective tax rate at the dates indicated are as follows (dollars in thousands):
		Year Ended December 31,
		2013		2012
			% of		% of
			Pretax		Pretax
		Amount	Earnings	Amount	Loss
	Income taxes (benefit) at Federal
	statutory rate	$193	34.00%	($297)	34.00%
	Increase in income tax benefit resulting from-
	State taxes, net of Federal tax	17	3	-51	5.7
	Other	-29	-5	-	-
	Total	$181	32.00%	($348)	39.70%
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at the dates indicated are presented below (in thousands):
		At December 31,
		2013	2012
	Deferred tax assets:
	Allowance for loan losses	$487	567
	Net operating loss carryforwards	1,556	1,654
	Other	83	21
	Nonaccrual interest	426	384
	Foreclosed property expenses	15	137
	Premises and equipment	38	-
	Stock option expense	42	-
	Total deferred tax assets	2,647	2,763
	Deferred tax liabilities:
	Mortgage service rights	-91	-
	Premises and equipment	-	-51
	Total deferred tax liabilities	-91	-51
	Net deferred tax asset	$2,556	2,712
	At December 31, 2013, the Company has net operating loss carryforwards of approximately $4.1 million, available to offset future taxable income.  The carryforward will begin to expire in 2028.
	The Company files consolidated U.S. and Florida income tax returns.  With few exceptions, the Company is no longer subject to U.S. federal or state and local income tax examinations by taxing authorities for years before 2010.

12_Contingencies

(12) Contingencies	12 Months Ended
	Dec. 31, 2013
Notes	'
(12) Contingencies	'
	(12)  Contingencies
	Various legal claims arise from time to time in the normal course of business which, in the opinion of management, will have no material effect on the Company's consolidated financial statements.

13_Related_Parties

(13) Related Parties	12 Months Ended
	Dec. 31, 2013
Notes	'
(13) Related Parties	'
	(13)  Related Parties
	The Company makes loans to and accepts deposits from its executive officers and directors and their related entities.  The activity for the periods shown is as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Loans at beginning of year	$149	152
	Additions	9	18
	Repayments	-126	-21
	Loans at end of year	$32	149
	Deposits at end of year	$123	584

14_Employee_Benefit_Plans

(14) Employee Benefit Plans	12 Months Ended
	Dec. 31, 2013
Notes	'
(14) Employee Benefit Plans	'
	(14)  Employee Benefit Plans
	The Company has a 401(k) plan for its employees who meet certain age and length-of-service requirements. For the tax year 2013, eligible employees could contribute up to $17,500 of their compensation to the plan on a pre-tax basis. This limit stays at $17,500 for the tax year ending December 31, 2014.  Employer matching contributions were made at 100 percent of the employee contribution up to five percent. Employer contributions to the 401(k) plan were approximately $105,000 and $98,000 for 2013 and 2012, respectively.

15_Employee_Stock_Ownership_Pl

(15) Employee Stock Ownership Plan ('ESOP')	12 Months Ended
	Dec. 31, 2013
Notes	'
(15) Employee Stock Ownership Plan ('ESOP')	'
	(15)  Employee Stock Ownership Plan ("ESOP")
	Effective April 5, 2011, the Holding Company established an ESOP which acquired 8% of the total number of shares of common stock sold during the initial public offering.  A total of 98,756 shares were acquired in exchange for a $988,000 note payable to the Holding Company.  The note bears interest at a fixed rate of 4.25% and is payable in annual installments and is due in 2021.  The ESOP expense was $47,000 for the year ended December 31, 2013 and $76,000 for the year ended December 31, 2012.

16_2012_Equity_Incentive_Plan

(16) 2012 Equity Incentive Plan	12 Months Ended
	Dec. 31, 2013
Notes	'
(16) 2012 Equity Incentive Plan	'
	(16)  2012 Equity Incentive Plan
	On May 23, 2012, the Company’s stockholders approved its 2012 Equity Incentive Plan. The Plan authorizes the grant of options for up to 123,445 shares of the Holding Company's common stock. The options granted have ten to fifteen year terms and vest from one to five years.  A summary of the activity in the Company's stock options is as follows:
				Weighted-
			Weighted-	Average
			Average	Remaining	Aggregate
		Number of	Exercise	Contractual	Intrinsic
		Options	Price	Term	Value
	Outstanding at December 31, 2011	-	$-
	Granted	91,000	10.75
	Forfeited	-1,000	10.75
	Outstanding at December 31, 2012	90,000	10.75
	Granted	7,000	16.75
	Forfeited	-9,500	10.75
	Outstanding at December 31, 2013	87,500	$11.23	13.38
	Exercisable at December 31, 2013	10,000	$10.75	8.95	7.5
	At December 31, 2013, there was approximately $248,000 unrecognized compensation expense related to nonvested stock options granted under the plans. The cost is expected to be recognized over a weighted average period of fifty-eight months.  The total fair value of shares vesting and recognized as compensation expense was $87,000 and $2,000 for the years ended December 31, 2013 and 2012, respectively.
	The fair value of each option granted is estimated on the date of grant using the Black-Scholes option-pricing model with the following assumptions for the years ended 2013 and 2012:
		2013	2012
	Risk-free interest rate	2.47%	.73-1.44%
	Dividend yield	-	-
	Expected stock volatility	21.38%	26.05%
	Expected life in years	9	5.5-9.0
	Per share grant-date fair value of options issued
	during the year	$5.66	$2.75-3.76
	The Company examined its historical pattern of option exercises in an effort to determine if there were any pattern based on certain employee populations.  From this analysis, the Company could not identify any patterns in the exercise of options.  As such, the Company used the guidance issued by the Securities and Exchange Commission to determine the estimated life of options issued.  Expected volatility is based on historical volatility of Sunshine financial.  The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant.  The dividend yield assumption is based on the Company's historical and expected dividend payments.
	The Company's 2012 Equity Incentive Plan also authorized the grant of up to 49,378 restricted common shares.  The restriction period for these shares is five years. Restricted shares are forfeited if employment is terminated before the restriction period expires.  The record holder of the Company's restricted shares of common stock possesses all the rights of a holder of the Company common stock, including the right to receive dividends on and to vote the restricted shares. The restricted shares may not be sold, transferred, pledged, assigned, encumbered, or otherwise alienated or hypothecated until they become fully vested and transferable in accordance with the agreements. Compensation expense for restricted stock totaled $24,000 in 2013. There was no associated income tax benefit recognized.
	A summary of the status of the Company's restricted stock and changes during the years then ended are presented below:
		Number of Shares	Weighted-Average Grant-Date Fair Value
	Outstanding at December 31, 2012	-	$-
	Issued	42,500	16.75
	Outstanding at December 31, 2013	42,500	$16.75
	Total unrecognized compensation cost related to these nonvested restricted stock amounted to approximately $688,000 at December 31, 2013.  This cost is expected to be recognized monthly over the related vesting period using the straight-line method through 2018.

17_Fair_Value_Measurements

(17) Fair Value Measurements	12 Months Ended
	Dec. 31, 2013
Notes	'
(17) Fair Value Measurements	'
	(17)  Fair Value Measurements
	Impaired collateral-dependent loans are carried at fair value when the current collateral value is lower than the carrying value of the loan.  Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis at December 31, 2013 and 2012 are as follows (in thousands):
			Quoted Prices
			In Active	Significant
			Markets for	Other	Significant		Losses
			Identical	Observable	Unobservable		Recorded
		Fair	Assets	Inputs	Inputs	Total	During the
		Value	Level 1	Level 2	Level 3	Losses	Year
	At December 31, 2013:
	One-to four-family	$2,866	-	-	2,866	179	128
	Home equity	278	-	-	278	31	8
	Credit cards and unsecured	45	-	-	45	9	3
	Total	$3,189	-	-	3,189	219	139
	At December 31, 2012:
	One-to four-family	$2,160	-	-	2,160	308	232
	Lot loans	52	-	-	52	221	103
	Home equity	256	-	-	256	158	112
	Credit cards and unsecured	38	-	-	38	6	6
	Total	$2,506	-	-	2,506	693	453
	Foreclosed assets is recorded at fair value less estimated costs to sell.  Foreclosed assets which is measured at fair value on a nonrecurring basis at December 31, 2012 and 2011 is summarized below (in thousands):
			Quoted Prices
			In Active	Significant
			Markets for	Other	Significant		Losses
			Identical	Observable	Unobservable		Recorded
		Fair	Assets	Inputs	Inputs	Total	During the
		Value	(Level 1)	(Level 2)	(Level 3)	Losses	Year
	At December 31, 2013-
	Foreclosed assets	$724	-	-	724	44	22
	At December 31, 2012-
	Foreclosed assets	$1,878	-	-	1,878	137	95

18_Regulatory_Matters

(18) Regulatory Matters	12 Months Ended
	Dec. 31, 2013
Notes	'
(18) Regulatory Matters	'
	(18)  Regulatory Matters
	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 and the Bank'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 classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined).  Management believes, as of December 31, 2013, that the Bank meets all capital adequacy requirements to which it is subject.
	As of December 31, 2013, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the following table.  There are no conditions or events since that notification that management believes have changed the Bank's category.
	The Bank's actual regulatory capital amounts and percentages at December 31, 2013 and 2012 are presented in the table (dollars in thousands):
						Minimum
						To Be Well
				Minimum		Capitalized Under
				For Capital Adequacy		Prompt and Corrective
		Actual		Purposes		Action Provisions
		Amount	%	Amount	%	Amount	%
	At December 31, 2013:
	Total Capital to Risk-
	Weighted Assets	$19,104	21.53%	$7,097	8.00%	$8,872	10.00%
	Tier I Capital to Risk-
	Weighted Assets	17,993	20.28	3,549	4	5,323	6
	Tier I Capital
	to Total Assets	17,993	12.67	5,681	4	7,102	5
	At December 31, 2012:
	Total Capital to Risk-
	Weighted Assets	18,406	20.96	7,027	8	8,783	10
	Tier I Capital to Risk-
	Weighted Assets	17,302	19.7	3,514	4	5,270	6
	Tier I Capital
	to Total Assets	17,302	11.96	5,787	4	7,235	5

19_Parent_Company_Only_Financi

(19) Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2013
Notes	'
(19) Parent Company Only Financial Information	'
	(19)  Parent Company Only Financial Information
	The Holding Company's financial information follows (in thousands):
	Condensed Balance Sheets
		At December 31,
		2013	2012
	Assets
	Cash	$2,162	4,761
	Investment in subsidiary	20,540	20,030
	Loans	972	-
	Deferred income taxes	57	26
	Other assets	-	119
	Total assets	$23,731	24,936
	Liabilities and Stockholders' Equity
	Other liabilities	17	1
	Stockholders' equity	23,714	24,935
	Total liabilities and stockholders' equity	$23,731	24,936
	Condensed Statements of Operations
		Year Ended December 31,
		2013	2012
	Revenues	$47	49
	Expenses	-136	-100
	(Loss) before earnings (loss) of subsidiary	-89	-51
	Net earnings (loss) of subsidiary	443	-515
	Earnings (loss) before income taxes (benefit)	354	-566
	Income taxes (benefit)	-31	-38
	Net earnings (loss)	$385	-528
	Condensed Statements of Cash Flows
		Year Ended December 31,
		2013	2012
	Cash flows from operating activities:
	Net earnings (loss)	$385	-528
	Adjustments to reconcile net earnings (loss) to net cash
	provided by (used in) operating activities:
	ESOP compensation expense	47	76
	Decrease in investment in subsidiary due to ESOP
	compensation	44	-
	Deferred income taxes	-31	-26
	Decrease in other assets	119	-42
	Increase (decrease) in other liabilities	16	-10
	Equity in undistributed (earnings) loss of subsidiary	-443	515
	Net cash provided by (used in) operating activities	137	-15
	Cash flows used in investing activity-
	Loan purchase, net of repayments	-972	-
	Cash flows from financing activity-
	Repurchase of common stock	-1,764	-
	Net cash provided by financing activities	-1,764	-
	Net decrease in cash	-2,599	-15
	Cash at beginning of the year	4,761	4,776
	Cash at end of year	$2,162	4,761
	Supplemental disclosure of cash flow information:
	Noncash transactions-
	Stock-based compensation expense of subsidiary	$111	2

2_Earnings_loss_Per_Share_Sche

(2) Earnings (loss) Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Earnings Per Share, Basic and Diluted	'
		2013			2012
			Weighted-	Per		Weighted-	Per
			Average	Share		Average	Share
		Earnings	Shares	Amount	Loss	Shares	Amount
	Year Ended December 31:
	Basic EPS:
	Net earnings (loss)	$385	1,147,610	$0.34	($528)	1,148,355	($0.46)
	Effect of dilutive securities-
	Incremental shares from assumed conversion
	of options (antidilutive in 2012)		17,700			-
	Diluted EPS:
	Net earnings (loss)	$385	1,165,311	$0.33	($528)	1,148,355	($0.46)

3_Securities_Held_To_Maturity_

(3) Securities Held To Maturity: Schedule of Held to Maturity Securities Amortized Cost, Gross Unrealized Gains and Losses and Fair Value (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Held to Maturity Securities Amortized Cost, Gross Unrealized Gains and Losses and Fair Value	'
	Management has classified all securities as held to maturity.  The carrying amount of securities and their fair values at the dates indicated are as follows (in thousands):
			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair
		Cost	Gains	Losses	Value
	At December 31, 2013:
	Mortgage-backed securities	$2,167	88	-	2,255
	Collateralized mortgage obligations	24,457	34	-790	23,701
		$26,624	122	-790	25,956
	At December 31, 2012:
	Mortgage-backed securities	3,137	166	-	3,303
	Collateralized mortgage obligations	12,304	73	-22	12,355
		$15,441	239	-22	15,658

3_Securities_Held_To_Maturity_1

(3) Securities Held To Maturity: Schedule of Securities with Gross Unrealized Losses, Aggregated by Investment Category and Length of Time in Continuous Loss Position (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Securities with Gross Unrealized Losses, Aggregated by Investment Category and Length of Time in Continuous Loss Position	'
	Securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous loss position at the date indicated, are as follows (in thousands):
		Less than Twelve Months		Twelve Months or Longer
		Gross Unrealized Losses	Fair Value	Gross Unrealized Losses	Fair Value
	At December 31, 2013:
	Collateralized mortgage obligations	($481)	17,985	-309	4,315

4_Loans_Schedule_of_Accounts_N

(4) Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Accounts, Notes, Loans and Financing Receivable	'
	The loan portfolio segments and classes at the dates indicated are as follows (in thousands):
		December 31,
		2013	2012
	Real estate mortgage loans:
	One-to-four-family	$50,629	$59,987
	Lot loans	5,293	6,289
	Commercial real estate	18,189	7,847
	Construction	381	1,006
	Total real estate loans	74,492	75,129
	Commercial	296	24
	Consumer loans:
	Home equity	8,817	10,407
	Automobile	4,000	3,043
	Credit cards and unsecured	7,100	7,521
	Deposit account	622	578
	Other	1,202	1,428
	Total consumer loans	21,741	22,977
	Total loans	96,529	98,130
	Less:
	Loans in process	318	-1,199
	Deferred fees and discounts	-74	-63
	Allowance for losses	(1,294)	(1,533)
	Total loans, net	$95,479	$95,335

4_Loans_Schedule_of_Activity_i

(4) Loans: Schedule of Activity in the Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Activity in the Allowance for Loan Losses	'
	The activity in the allowance for loan losses for the periods shown was as follows (in thousands):
		Real Estate Loans					Consumer Loans
		One-to Four- Family	Lot Loans	Commercial Real Estate	Constru- ction	Comm- ercial Loans	Home Equity	Auto- mobile	Credit Cards and Unsecured	Deposit Account	Other	Un- allocated	Total
	Year Ended December 31, 2013:
	Beginning balance	$690	88	78	-	-	343	9	231	-	94	-	1,533
	Provision (credit) for loan loss	144	37	85	1	5	-248	-	41	-	-6	18	77
	Charge-offs	-243	-32	-	-	-	-144	-1	-136	-	-24	-	-580
	Recoveries	14	-	-	-	-	195	4	51	-	-	-	264
	Ending balance	$605	93	163	1	5	146	12	187	-	64	18	1,294
	Individually evaluated for impairment:
	Recorded investment	$2,935	-	-	-	-	281	-	47	-	-	-	3,263
	Balance in allowance for loan losses	$68	-	-	-	-	3	-	3	-	-	-	74
	Collectively evaluated for impairment:
	Recorded investment	$47,694	5,293	18,189	381	296	8,536	4,000	7,053	622	1,202	-	93,266
	Balance in allowance for loan losses	$537	93	163	1	5	143	12	184	-	64	18	1,220
	Year Ended December 31, 2012:
	Beginning balance	475	144	-	-	-	235	39	337	-	99	-	1,329
	Provision (credit) for loan loss	666	67	78	-	-	388	-24	125	-	109	-	1,409
	Charge-offs	-611	-128	-	-	-	-303	-18	-283	-	-115	-	-1,458
	Recoveries	160	5	-	-	-	23	12	52	-	1	-	253
	Ending balance	$690	88	78	-	-	343	9	231	-	94	-	1,533
	Individually evaluated for impairment:
	Recorded investment	$3,156	135	-	-	-	318	-	38	-	-	-	3,647
	Balance in allowance for loan losses	$30	-	-	-	-	-	-	-	-	-	-	30
	Collectively evaluated for impairment:
	Recorded investment	$56,831	6,154	7,847	1,006	24	10,089	3,043	7,483	578	1,428	-	94,483
	Balance in allowance for loan losses	$660	88	78	-	-	343	9	231	-	94	-	1,503

4_Loans_Financing_Receivable_C

(4) Loans: Financing Receivable Credit Quality Indicators (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Financing Receivable Credit Quality Indicators	'
	The following summarizes the loan credit quality at the dates indicated (in thousands):
	Credit Risk
	Profile by Internally	One to Four	Lot	Commercial Real	Constru-	Comme-	Home	Auto-	Credit Cards and	Deposit
	Assigned Grade:	Family	Loans	Estate	ction	rcial	Equity	mobile	Unsecured	Account	Other	Total
	At December 31, 2013:
	Grade:
	Pass	$46,775	5,293	18,189	381	296	8,464	3,958	7,029	622	1,008	92,015
	Special mention	483	-	-	-	-	75	4	13	-	28	603
	Substandard	3,371	-	-	-	-	278	38	58	-	166	3,911
	Total	$50,629	5,293	18,189	381	296	8,817	4	7,100	622	1,202	96,529
	At December 31, 2012:
	Grade:
	Pass	55,104	6,202	7,847	1,006	24	9,935	3,010	7,473	578	1,428	92,607
	Special mention	923	-	-	-	-	26	14	4	-	-	967
	Substandard	3,960	87	-	-	-	446	19	44	-	-	4,556
	Total	$59,987	6,289	7,847	1,006	24	10,407	3,043	7,521	578	1,428	98,130

4_Loans_Schedule_of_Age_Analys

(4) Loans: Schedule of Age Analysis of Past Due Loans (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Age Analysis of Past Due Loans	'
	Age analysis of past-due loans at the dates indicated is as follows (in thousands):
		Accruing Loans
				90 Days
		30-59	60-89	and	Total
		Days	Days	Greater	Past		Nonaccrual	Total
		Past Due	Past Due	Past Due	Due	Current	Loans	Loans
	At December 31,  2013:
	Real estate loans:
	One-to-four family	$912	494	-	1,406	48,226	997	50,629
	Lot loans	-	35	-	35	5,238	20	5,293
	Commercial	-	-	-	-	18,189	-	18,189
	Construction	-	-	-	-	381	-	381
	Commercial loans	-	-	-	-	296	-	296
	Consumer loans:
	Home equity	123	72	-	195	8,553	69	8,817
	Automobile	2	4	-	6	3,956	38	4,000
	Credit cards and unsecured	63	13	-	76	7,011	13	7,100
	Deposit account	-	-	-	-	622	-	622
	Other	130	29	-	159	877	166	1,202
	Total	$1,230	647	-	1,877	93,349	1,303	96,529
	At December 31,  2012:
	Real estate loans:
	One-to-four family	1,310	611	-	1,921	56,033	2,033	59,987
	Lot loans	96	-	-	96	6,106	87	6,289
	Commercial	-	-	-	-	7,847	-	7,847
	Construction	-	-	-	-	1,006	-	1,006
	Commercial loans	-	-	-	-	24	-	24
	Consumer loans:
	Home equity	527	110	-	637	9,612	158	10,407
	Automobile	-	14	-	14	3,010	19	3,043
	Credit cards and unsecured	146	-	-	146	7,365	10	7,521
	Deposit account	-	-	-	-	578	-	578
	Other	100	-	-	100	1,328	-	1,428
	Total	$2,179	735	-	2,914	92,909	2,307	98,130

4_Loans_Impaired_Financing_Rec

(4) Loans: Impaired Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Impaired Financing Receivables	'
	The following summarizes the amount of impaired loans at the dates indicated (in thousands):
		With No Related Allowance Recorded		With an Allowance Recorded			Total
		Recorded Investment	Unpaid Principal Balance	Recorded Investment	Unpaid Principal Balance	Related Allowance	Recorded Investment	Unpaid Principal Balance	Related Allowance
	At December 31, 2013:
	Real estate loans:
	One-to-four family	$1,468	1,578	1,467	1,467	68	2,935	3,045	68
	Lot loans	-	-	-	-	-	-	-	-
	Consumer loans:
	Home equity	236	265	45	45	3	281	310	3
	Credit card and unsecured	31	37	16	16	3	47	53	3
		$1,735	1,880	1,528	1,528	74	3,263	3,408	74
	At December 31, 2012:
	Real estate loans:
	One-to-four family	2,625	2,902	531	531	30	3,156	3,433	30
	Lot loans	135	356	-	-	-	135	356	-
	Consumer loans:
	Home equity	318	476	-	-	-	318	476	-
	Credit card and unsecured	38	44	-	-	-	38	44	-
		$3,116	3,778	531	531	30	3,647	4,309	30

4_Loans_Schedule_of_Average_In

(4) Loans: Schedule of Average Investment, Interest Income Recognized and Received on Impaired Loans (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Average Investment, Interest Income Recognized and Received on Impaired Loans	'
	The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):
		Average	Interest	Interest
		Recorded	Income	Income
		Investment	Recognized	Received
	For the Year Ended December 31, 2013:
	Real estate loans:
	One-to-four family	$3,076	92	95
	Lot loans	18	-	-
	Consumer loans:
	Home equity	268	6	6
	Credit card and unsecured	36	1	1
	Total	$3,398	99	102
	For the Year Ended December 31, 2012:
	Real estate loans:
	One-to-four family	3,604	92	98
	Lot loans	73	2	31
	Consumer loans:
	Home equity	402	8	9
	Credit card and unsecured	31	-	-
	Total	$4,110	102	138

4_Loans_Troubled_Debt_Restruct

(4) Loans: Troubled Debt Restructurings on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Troubled Debt Restructurings on Financing Receivables	'
	Troubled debt restructurings entered into are as follows (dollars in thousands):
		Outstanding Recorded Investment
		Number
		of	Pre-	Post-
		Contracts	Modification	Modification
	Year Ended December 31, 2013:
	Real estate mortgage loans-
	One-to-four family-
	Modified interest rates	3	$952	952
	Consumer loans-
	Home equity-
	Modified interest rates	1	45	45
	Credit card and unsecured-
	Modified interest rates	1	17	17
		5	$1,014	1,014
	Year Ended December 31, 2012:
	Real estate mortgage loans-
	One-to-four family-
	Modified interest rates	4	721	721
	Consumer loans-
	Credit card and unsecured-
	Modified interest rates	1	49	49
		5	$770	770

5_Premises_and_Equipment_Sched

(5) Premises and Equipment: Schedule of Property Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Property Plant and Equipment	'
	Premises and equipment are summarized as follows (in thousands):
		At December 31,
		2013	2012
	Land	$1,125	528
	Buildings and improvements	5,574	4,341
	Furniture and equipment	4,233	4,399
	Total, at cost	10,932	9,268
	Less accumulated depreciation	5,825	5,947
	Premises and equipment, net	$5,107	3,321

5_Premises_and_Equipment_Sched1

(5) Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Future Minimum Rental Payments for Operating Leases	'
	Year Ending
	December 31,	Amount
	2014	$172
	2015	154
	2016	79
	2017	27
		$432

6_Foreclosed_Real_Estate_Sched

(6) Foreclosed Real Estate: Schedule of Foreclosed Real Estate Expenses (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Foreclosed Real Estate Expenses	'
	Expenses applicable to foreclosed real estate are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Write-down of foreclosed real estate	$29	132
	Operating expenses	181	302
		$210	434

7_Deposits_Schedule_of_Time_De

(7) Deposits: Schedule of Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Time Deposits	'
	Year Ending
	December 31,	Amount
	2014	$21,520
	2015	3,900
	2016	1,101
	2017	1,260
	2018	790
		$28,571

7_Deposits_Schedule_of_Interes

(7) Deposits: Schedule of Interest Expense on Deposit Accounts (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Interest Expense on Deposit Accounts	'
	Interest expense details are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Money-market deposit accounts	$139	146
	Savings accounts	105	171
	Time deposits	162	236
		$406	553

9_Offbalancesheet_Financial_In1

(9) Off-balance-sheet Financial Instruments: Schedule of Line of Credit Facilities (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Line of Credit Facilities	'
	Unused lines of credit typically result in loans with a market interest rate when funded. A summary of the amounts of the Company's financial instruments, with off-balance-sheet risk at the dates indicated follows (in thousands):
		At December 31,
		2013
	Unused lines of credit (rates range from
	3.93% to 15.45%)	$15,274

10_Fair_Value_of_Financial_Ins1

(10) Fair Value of Financial Instruments: Schedule of Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Fair Value of Financial Instruments	'
	The estimated fair values of the Company's financial instruments at the dates indicated are as follows (in thousands):
		At December 31, 2013		At December 31, 2012
		Carrying	Fair	Carrying	Fair
		Amount	Value	Amount	Value
	Financial assets:
	Cash and cash equivalents (Level 1)	$14,455	14,455	26,909	26,909
	Securities held to maturity (Level 2)	26,624	25,956	15,441	15,658
	Loans (Level 3)	95,479	95,617	95,335	95,228
	Federal Home Loan Bank stock (Level 3)	177	177	218	218
	Accrued interest receivable (Level 3)	311	311	367	367
	Financial liabilities:
	Deposits (Level 3)	122,060	118,443	112,662	119,741
	Off-balance-sheet financial instruments (Level 3)	-	-	-	-

11_Income_Taxes_Schedule_of_Co

(11) Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Components of Income Tax Expense (Benefit)	'
	The components of income taxes (benefit) for the years ended December 31, 2013 and 2012 are as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Current:
	Federal	$25	-
	State	-	-
	Total current	25	-
	Deferred:
	Federal	130	-297
	State	26	-51
	Total deferred	156	-348
	Income taxes (benefit)	$181	-348

11_Income_Taxes_Schedule_of_Ef

(11) Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Effective Income Tax Rate Reconciliation	'
	The reasons for the differences between the statutory Federal income tax rate and the effective tax rate at the dates indicated are as follows (dollars in thousands):
		Year Ended December 31,
		2013		2012
			% of		% of
			Pretax		Pretax
		Amount	Earnings	Amount	Loss
	Income taxes (benefit) at Federal
	statutory rate	$193	34.00%	($297)	34.00%
	Increase in income tax benefit resulting from-
	State taxes, net of Federal tax	17	3	-51	5.7
	Other	-29	-5	-	-
	Total	$181	32.00%	($348)	39.70%

11_Income_Taxes_Schedule_of_De

(11) Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Deferred Tax Assets and Liabilities	'
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at the dates indicated are presented below (in thousands):
		At December 31,
		2013	2012
	Deferred tax assets:
	Allowance for loan losses	$487	567
	Net operating loss carryforwards	1,556	1,654
	Other	83	21
	Nonaccrual interest	426	384
	Foreclosed property expenses	15	137
	Premises and equipment	38	-
	Stock option expense	42	-
	Total deferred tax assets	2,647	2,763
	Deferred tax liabilities:
	Mortgage service rights	-91	-
	Premises and equipment	-	-51
	Total deferred tax liabilities	-91	-51
	Net deferred tax asset	$2,556	2,712

13_Related_Parties_Schedule_of

(13) Related Parties: Schedule of Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Related Party Transactions	'
	The Company makes loans to and accepts deposits from its executive officers and directors and their related entities.  The activity for the periods shown is as follows (in thousands):
		Year Ended December 31,
		2013	2012
	Loans at beginning of year	$149	152
	Additions	9	18
	Repayments	-126	-21
	Loans at end of year	$32	149
	Deposits at end of year	$123	584

16_2012_Equity_Incentive_Plan_

(16) 2012 Equity Incentive Plan: Schedule of Equity Incentive Plan (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Equity Incentive Plan	'
	On May 23, 2012, the Company’s stockholders approved its 2012 Equity Incentive Plan. The Plan authorizes the grant of options for up to 123,445 shares of the Holding Company's common stock. The options granted have ten to fifteen year terms and vest from one to five years.  A summary of the activity in the Company's stock options is as follows:
				Weighted-
			Weighted-	Average
			Average	Remaining	Aggregate
		Number of	Exercise	Contractual	Intrinsic
		Options	Price	Term	Value
	Outstanding at December 31, 2011	-	$-
	Granted	91,000	10.75
	Forfeited	-1,000	10.75
	Outstanding at December 31, 2012	90,000	10.75
	Granted	7,000	16.75
	Forfeited	-9,500	10.75
	Outstanding at December 31, 2013	87,500	$11.23	13.38
	Exercisable at December 31, 2013	10,000	$10.75	8.95	7.5

16_2012_Equity_Incentive_Plan_1

(16) 2012 Equity Incentive Plan: Schedule of Fair Value Assumptions of Options Granted (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Fair Value Assumptions of Options Granted	'
	The fair value of each option granted is estimated on the date of grant using the Black-Scholes option-pricing model with the following assumptions for the years ended 2013 and 2012:
		2013	2012
	Risk-free interest rate	2.47%	.73-1.44%
	Dividend yield	-	-
	Expected stock volatility	21.38%	26.05%
	Expected life in years	9	5.5-9.0
	Per share grant-date fair value of options issued
	during the year	$5.66	$2.75-3.76

16_2012_Equity_Incentive_Plan_2

(16) 2012 Equity Incentive Plan: Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity	'
	A summary of the status of the Company's restricted stock and changes during the years then ended are presented below:
		Number of Shares	Weighted-Average Grant-Date Fair Value
	Outstanding at December 31, 2012	-	$-
	Issued	42,500	16.75
	Outstanding at December 31, 2013	42,500	$16.75

17_Fair_Value_Measurements_Fai

(17) Fair Value Measurements: Fair Value Measurements, Nonrecurring (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Fair Value Measurements, Nonrecurring	'
	Impaired collateral-dependent loans are carried at fair value when the current collateral value is lower than the carrying value of the loan.  Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis at December 31, 2013 and 2012 are as follows (in thousands):
			Quoted Prices
			In Active	Significant
			Markets for	Other	Significant		Losses
			Identical	Observable	Unobservable		Recorded
		Fair	Assets	Inputs	Inputs	Total	During the
		Value	Level 1	Level 2	Level 3	Losses	Year
	At December 31, 2013:
	One-to four-family	$2,866	-	-	2,866	179	128
	Home equity	278	-	-	278	31	8
	Credit cards and unsecured	45	-	-	45	9	3
	Total	$3,189	-	-	3,189	219	139
	At December 31, 2012:
	One-to four-family	$2,160	-	-	2,160	308	232
	Lot loans	52	-	-	52	221	103
	Home equity	256	-	-	256	158	112
	Credit cards and unsecured	38	-	-	38	6	6
	Total	$2,506	-	-	2,506	693	453

17_Fair_Value_Measurements_Sch

(17) Fair Value Measurements: Schedule of Fair Value of Foreclosed Assets (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Fair Value of Foreclosed Assets	'
	Foreclosed assets is recorded at fair value less estimated costs to sell.  Foreclosed assets which is measured at fair value on a nonrecurring basis at December 31, 2012 and 2011 is summarized below (in thousands):
			Quoted Prices
			In Active	Significant
			Markets for	Other	Significant		Losses
			Identical	Observable	Unobservable		Recorded
		Fair	Assets	Inputs	Inputs	Total	During the
		Value	(Level 1)	(Level 2)	(Level 3)	Losses	Year
	At December 31, 2013-
	Foreclosed assets	$724	-	-	724	44	22
	At December 31, 2012-
	Foreclosed assets	$1,878	-	-	1,878	137	95

18_Regulatory_Matters_Schedule

(18) Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	'
	The Bank's actual regulatory capital amounts and percentages at December 31, 2013 and 2012 are presented in the table (dollars in thousands):
						Minimum
						To Be Well
				Minimum		Capitalized Under
				For Capital Adequacy		Prompt and Corrective
		Actual		Purposes		Action Provisions
		Amount	%	Amount	%	Amount	%
	At December 31, 2013:
	Total Capital to Risk-
	Weighted Assets	$19,104	21.53%	$7,097	8.00%	$8,872	10.00%
	Tier I Capital to Risk-
	Weighted Assets	17,993	20.28	3,549	4	5,323	6
	Tier I Capital
	to Total Assets	17,993	12.67	5,681	4	7,102	5
	At December 31, 2012:
	Total Capital to Risk-
	Weighted Assets	18,406	20.96	7,027	8	8,783	10
	Tier I Capital to Risk-
	Weighted Assets	17,302	19.7	3,514	4	5,270	6
	Tier I Capital
	to Total Assets	17,302	11.96	5,787	4	7,235	5

19_Parent_Company_Only_Financi1

(19) Parent Company Only Financial Information: Schedule of Condensed Balance Sheet (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Condensed Balance Sheet	'
	Condensed Balance Sheets
		At December 31,
		2013	2012
	Assets
	Cash	$2,162	4,761
	Investment in subsidiary	20,540	20,030
	Loans	972	-
	Deferred income taxes	57	26
	Other assets	-	119
	Total assets	$23,731	24,936
	Liabilities and Stockholders' Equity
	Other liabilities	17	1
	Stockholders' equity	23,714	24,935
	Total liabilities and stockholders' equity	$23,731	24,936

19_Parent_Company_Only_Financi2

(19) Parent Company Only Financial Information: Schedule of Condensed Income Statement (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Condensed Income Statement	'
	Condensed Statements of Operations
		Year Ended December 31,
		2013	2012
	Revenues	$47	49
	Expenses	-136	-100
	(Loss) before earnings (loss) of subsidiary	-89	-51
	Net earnings (loss) of subsidiary	443	-515
	Earnings (loss) before income taxes (benefit)	354	-566
	Income taxes (benefit)	-31	-38
	Net earnings (loss)	$385	-528

19_Parent_Company_Only_Financi3

(19) Parent Company Only Financial Information: Schedule of Condensed Cash Flow Statement (Tables)	12 Months Ended
	Dec. 31, 2013
Tables/Schedules	'
Schedule of Condensed Cash Flow Statement	'
	Condensed Statements of Cash Flows
		Year Ended December 31,
		2013	2012
	Cash flows from operating activities:
	Net earnings (loss)	$385	-528
	Adjustments to reconcile net earnings (loss) to net cash
	provided by (used in) operating activities:
	ESOP compensation expense	47	76
	Decrease in investment in subsidiary due to ESOP
	compensation	44	-
	Deferred income taxes	-31	-26
	Decrease in other assets	119	-42
	Increase (decrease) in other liabilities	16	-10
	Equity in undistributed (earnings) loss of subsidiary	-443	515
	Net cash provided by (used in) operating activities	137	-15
	Cash flows used in investing activity-
	Loan purchase, net of repayments	-972	-
	Cash flows from financing activity-
	Repurchase of common stock	-1,764	-
	Net cash provided by financing activities	-1,764	-
	Net decrease in cash	-2,599	-15
	Cash at beginning of the year	4,761	4,776
	Cash at end of year	$2,162	4,761
	Supplemental disclosure of cash flow information:
	Noncash transactions-
	Stock-based compensation expense of subsidiary	$111	2

2_Earnings_loss_Per_Share_Sche1

(2) Earnings (loss) Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Basic Earnings Per Share | Net earnings (loss)	'	'
Income (Loss) from Continuing Operations Attributable to Parent	$385	($528)
Weighted Average Number of Shares Outstanding, Basic and Diluted	1,147,610	1,148,355
Earnings Per Share, Basic and Diluted	$0.34	($0.46)
Effect of dilutive securities | Incremental shares from assumed conversion of options (antidulitive in 2012)	'	'
Weighted Average Number of Shares Outstanding, Basic and Diluted	17,700	'
Diluted Earnings Per Share | Net earnings (loss)	'	'
Income (Loss) from Continuing Operations Attributable to Parent	$385	($528)
Weighted Average Number of Shares Outstanding, Basic and Diluted	1,165,311	1,148,355
Earnings Per Share, Basic and Diluted	$0.33	($0.46)

3_Securities_Held_To_Maturity_2

(3) Securities Held To Maturity: Schedule of Held to Maturity Securities Amortized Cost, Gross Unrealized Gains and Losses and Fair Value (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities held to maturity (fair value of $15,658 and $10,088)	$25,956	$15,658
Collateralized Mortgage Backed Securities	'	'
Held to Maturity Securities Amortized Cost	2,167	3,137
Held to Maturity Securities Gross Unrealized Gains	88	166
Securities held to maturity (fair value of $15,658 and $10,088)	2,255	3,303
Collateralized Mortgage Obligations	'	'
Held to Maturity Securities Amortized Cost	24,457	12,304
Held to Maturity Securities Gross Unrealized Gains	34	73
Held to Maturity Securities Gross Unrealized Losses	-790	-22
Securities held to maturity (fair value of $15,658 and $10,088)	23,701	12,355
Held-to-maturity Securities	'	'
Held to Maturity Securities Amortized Cost	26,624	15,441
Held to Maturity Securities Gross Unrealized Gains	122	239
Held to Maturity Securities Gross Unrealized Losses	-790	-22
Securities held to maturity (fair value of $15,658 and $10,088)	$25,956	$15,658

3_Securities_Held_To_Maturity_3

(3) Securities Held To Maturity: Schedule of Securities with Gross Unrealized Losses, Aggregated by Investment Category and Length of Time in Continuous Loss Position (Details) (Collateralized Mortgage Obligations, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Collateralized Mortgage Obligations	'
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	($481)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	17,985
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	-309
Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	$4,315

4_Loans_Schedule_of_Accounts_N1

(4) Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans, gross	'	'
Financing Receivable	$96,529	$98,130
Loans in process	'	'
Financing Receivable	318	-1,199
Deferred fees and discounts	'	'
Financing Receivable	-74	-63
Allowance for loan losses	'	'
Financing Receivable	-1,294	-1,533
Loans, net	'	'
Financing Receivable	95,479	95,335
Mortgage Loans on Real Estate | One- to Four-Family	'	'
Financing Receivable	50,629	59,987
Mortgage Loans on Real Estate | Real Estate Lot Loans	'	'
Financing Receivable	5,293	6,289
Mortgage Loans on Real Estate | Commercial Real Estate	'	'
Financing Receivable	18,189	7,847
Mortgage Loans on Real Estate | Construction Loans	'	'
Financing Receivable	381	1,006
Mortgage Loans on Real Estate | Total Real Estate Loans	'	'
Financing Receivable	74,492	75,129
Mortgage Loans on Real Estate | Commercial Loan	'	'
Financing Receivable	296	24
Consumer Loans | Home Equity Line of Credit	'	'
Financing Receivable	8,817	10,407
Consumer Loans | Consumer Loans Auto Financing Receivable	'	'
Financing Receivable	4,000	3,043
Consumer Loans | Consumer Credit Card Financing Receivable	'	'
Financing Receivable	7,100	7,521
Consumer Loans | Deposit Accounts	'	'
Financing Receivable	622	578
Consumer Loans | Consumer Other Financing Receivable	'	'
Financing Receivable	1,202	1,428
Consumer Loans | Total Consumer Loans	'	'
Financing Receivable	$21,741	$22,977

4_Loans_Schedule_of_Activity_i1

(4) Loans: Schedule of Activity in the Allowance for Loan Losses (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Unallocated Financing Receivables	'	'
Provision for Doubtful Accounts	$18	'
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	18	'
Unallocated Financing Receivables | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	18	'
Total Loans	'	'
Provision for Doubtful Accounts	77	1,409
Allowance for Doubtful Accounts Receivable, Write-offs	-580	-1,458
Allowance for Doubtful Accounts Receivable, Recoveries	264	253
Financing Receivable Individually Evaluated For Impairment Recorded Investment	3,263	3,647
Balance in Allowance for Loan Losses Individually Evaluated For Impairment Recorded Investment	74	30
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	93,266	94,483
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	1,220	1,503
Total Loans | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	1,533	1,329
Total Loans | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	1,294	1,533
Mortgage Loans on Real Estate | One- to Four-Family	'	'
Provision for Doubtful Accounts	144	666
Allowance for Doubtful Accounts Receivable, Write-offs	-243	-611
Allowance for Doubtful Accounts Receivable, Recoveries	14	160
Financing Receivable Individually Evaluated For Impairment Recorded Investment	2,935	3,156
Balance in Allowance for Loan Losses Individually Evaluated For Impairment Recorded Investment	68	30
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	47,694	56,831
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	537	660
Mortgage Loans on Real Estate | One- to Four-Family | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	690	475
Mortgage Loans on Real Estate | One- to Four-Family | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	605	690
Mortgage Loans on Real Estate | Real Estate Lot Loans	'	'
Provision for Doubtful Accounts	37	67
Allowance for Doubtful Accounts Receivable, Write-offs	-32	-128
Allowance for Doubtful Accounts Receivable, Recoveries	'	5
Financing Receivable Individually Evaluated For Impairment Recorded Investment	'	135
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	5,293	6,154
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	93	88
Mortgage Loans on Real Estate | Real Estate Lot Loans | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	88	144
Mortgage Loans on Real Estate | Real Estate Lot Loans | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	93	88
Mortgage Loans on Real Estate | Commercial Real Estate	'	'
Provision for Doubtful Accounts	85	78
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	18,189	7,847
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	163	78
Mortgage Loans on Real Estate | Commercial Real Estate | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	78	'
Mortgage Loans on Real Estate | Commercial Real Estate | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	163	78
Mortgage Loans on Real Estate | Construction Loans	'	'
Provision for Doubtful Accounts	1	'
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	381	1,006
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	1	'
Mortgage Loans on Real Estate | Construction Loans | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	1	'
Mortgage Loans on Real Estate | Commercial Loan	'	'
Provision for Doubtful Accounts	5	'
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	296	24
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	5	'
Mortgage Loans on Real Estate | Commercial Loan | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	5	'
Consumer Loans | Home Equity Line of Credit	'	'
Provision for Doubtful Accounts	-248	388
Allowance for Doubtful Accounts Receivable, Write-offs	-144	-303
Allowance for Doubtful Accounts Receivable, Recoveries	195	23
Financing Receivable Individually Evaluated For Impairment Recorded Investment	281	318
Balance in Allowance for Loan Losses Individually Evaluated For Impairment Recorded Investment	3	'
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	8,536	10,089
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	143	343
Consumer Loans | Home Equity Line of Credit | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	343	235
Consumer Loans | Home Equity Line of Credit | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	146	343
Consumer Loans | Consumer Loans Auto Financing Receivable	'	'
Provision for Doubtful Accounts	'	-24
Allowance for Doubtful Accounts Receivable, Write-offs	-1	-18
Allowance for Doubtful Accounts Receivable, Recoveries	4	12
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	4,000	3,043
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	12	9
Consumer Loans | Consumer Loans Auto Financing Receivable | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	9	39
Consumer Loans | Consumer Loans Auto Financing Receivable | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	12	9
Consumer Loans | Consumer Credit Card Financing Receivable	'	'
Provision for Doubtful Accounts	41	125
Allowance for Doubtful Accounts Receivable, Write-offs	-136	-283
Allowance for Doubtful Accounts Receivable, Recoveries	51	52
Financing Receivable Individually Evaluated For Impairment Recorded Investment	47	38
Balance in Allowance for Loan Losses Individually Evaluated For Impairment Recorded Investment	3	'
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	7,053	7,483
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	184	231
Consumer Loans | Consumer Credit Card Financing Receivable | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	231	337
Consumer Loans | Consumer Credit Card Financing Receivable | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	187	231
Consumer Loans | Deposit Accounts	'	'
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	622	578
Consumer Loans | Consumer Other Financing Receivable	'	'
Provision for Doubtful Accounts	-6	109
Allowance for Doubtful Accounts Receivable, Write-offs	-24	-115
Allowance for Doubtful Accounts Receivable, Recoveries	'	1
Financing Receivable Collectively Evaluated For Impairment Recorded Investment	1,202	1,428
Balance in Allowance for Loan Losses Collectively Evaluated For Impairment Recorded Investment	64	94
Consumer Loans | Consumer Other Financing Receivable | Beginning balance	'	'
Allowance For Doubtful Accounts Receivable	94	99
Consumer Loans | Consumer Other Financing Receivable | Ending balance	'	'
Allowance For Doubtful Accounts Receivable	$64	$94

4_Loans_Financing_Receivable_C1

(4) Loans: Financing Receivable Credit Quality Indicators (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Total Loans | Pass	'	'
Credit Risk by Internally Assigned Grade	$92,015,000	$92,607,000
Total Loans | Special Mention	'	'
Credit Risk by Internally Assigned Grade	603,000	967,000
Total Loans | Substandard	'	'
Credit Risk by Internally Assigned Grade	3,911,000	4,556,000
Total Loans | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	96,529,000	98,130,000
Mortgage Loans on Real Estate | One- to Four-Family | Pass	'	'
Credit Risk by Internally Assigned Grade	46,775,000	55,104,000
Mortgage Loans on Real Estate | One- to Four-Family | Special Mention	'	'
Credit Risk by Internally Assigned Grade	483,000	923,000
Mortgage Loans on Real Estate | One- to Four-Family | Substandard	'	'
Credit Risk by Internally Assigned Grade	3,371,000	3,960,000
Mortgage Loans on Real Estate | One- to Four-Family | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	50,629,000	59,987,000
Mortgage Loans on Real Estate | Real Estate Lot Loans | Pass	'	'
Credit Risk by Internally Assigned Grade	5,293,000	6,202,000
Mortgage Loans on Real Estate | Real Estate Lot Loans | Substandard	'	'
Credit Risk by Internally Assigned Grade	'	87,000
Mortgage Loans on Real Estate | Real Estate Lot Loans | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	5,293,000	6,289,000
Mortgage Loans on Real Estate | Commercial Real Estate | Pass	'	'
Credit Risk by Internally Assigned Grade	18,189,000	7,847,000
Mortgage Loans on Real Estate | Commercial Real Estate | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	18,189,000	7,847,000
Mortgage Loans on Real Estate | Construction Loans | Pass	'	'
Credit Risk by Internally Assigned Grade	381,000	1,006,000
Mortgage Loans on Real Estate | Construction Loans | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	381,000	1,006,000
Mortgage Loans on Real Estate | Commercial Loan | Pass	'	'
Credit Risk by Internally Assigned Grade	296,000	24,000
Mortgage Loans on Real Estate | Commercial Loan | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	296,000	24,000
Consumer Loans | Home Equity Line of Credit | Pass	'	'
Credit Risk by Internally Assigned Grade	8,464,000	9,935,000
Consumer Loans | Home Equity Line of Credit | Special Mention	'	'
Credit Risk by Internally Assigned Grade	75,000	26,000
Consumer Loans | Home Equity Line of Credit | Substandard	'	'
Credit Risk by Internally Assigned Grade	278,000	446,000
Consumer Loans | Home Equity Line of Credit | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	8,817,000	10,407,000
Consumer Loans | Consumer Loans Auto Financing Receivable | Pass	'	'
Credit Risk by Internally Assigned Grade	3,958,000	3,010,000
Consumer Loans | Consumer Loans Auto Financing Receivable | Special Mention	'	'
Credit Risk by Internally Assigned Grade	4,000	14,000
Consumer Loans | Consumer Loans Auto Financing Receivable | Substandard	'	'
Credit Risk by Internally Assigned Grade	38,000	19,000
Consumer Loans | Consumer Loans Auto Financing Receivable | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	4,000	3,043,000
Consumer Loans | Consumer Credit Card Financing Receivable | Pass	'	'
Credit Risk by Internally Assigned Grade	7,029,000	7,473,000
Consumer Loans | Consumer Credit Card Financing Receivable | Special Mention	'	'
Credit Risk by Internally Assigned Grade	13,000	4,000
Consumer Loans | Consumer Credit Card Financing Receivable | Substandard	'	'
Credit Risk by Internally Assigned Grade	58,000	44,000
Consumer Loans | Consumer Credit Card Financing Receivable | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	7,100,000	7,521,000
Consumer Loans | Deposit Accounts | Pass	'	'
Credit Risk by Internally Assigned Grade	622,000	578,000
Consumer Loans | Deposit Accounts | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	622,000	578,000
Consumer Loans | Consumer Other Financing Receivable | Pass	'	'
Credit Risk by Internally Assigned Grade	1,008,000	1,428,000
Consumer Loans | Consumer Other Financing Receivable | Special Mention	'	'
Credit Risk by Internally Assigned Grade	28,000	'
Consumer Loans | Consumer Other Financing Receivable | Substandard	'	'
Credit Risk by Internally Assigned Grade	166,000	'
Consumer Loans | Consumer Other Financing Receivable | Unlikely to be Collected Financing Receivable	'	'
Credit Risk by Internally Assigned Grade	$1,202,000	$1,428,000

4_Loans_Schedule_of_Age_Analys1

(4) Loans: Schedule of Age Analysis of Past Due Loans (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total Loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	'	$2,179
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	'	735
Financing Receivable, Recorded Investment, Past Due	'	2,914
Financing Receivable, Recorded Investment, Current	'	92,909
Financing Receivable, Recorded Investment, Nonaccrual Status	'	2,307
LoansReceivableGross	'	98,130
Mortgage Loans on Real Estate | One- to Four-Family	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	912	1,310
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	494	611
Financing Receivable, Recorded Investment, Past Due	1,406	1,921
Financing Receivable, Recorded Investment, Current	48,226	56,033
Financing Receivable, Recorded Investment, Nonaccrual Status	997	2,033
LoansReceivableGross	50,629	59,987
Mortgage Loans on Real Estate | Real Estate Lot Loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	'	96
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	35	'
Financing Receivable, Recorded Investment, Past Due	35	96
Financing Receivable, Recorded Investment, Current	5,238	6,106
Financing Receivable, Recorded Investment, Nonaccrual Status	20	87
LoansReceivableGross	5,293	6,289
Mortgage Loans on Real Estate | Commercial Real Estate	'	'
Financing Receivable, Recorded Investment, Current	18,189	7,847
LoansReceivableGross	18,189	7,847
Mortgage Loans on Real Estate | Construction Loans	'	'
Financing Receivable, Recorded Investment, Current	381	1,006
LoansReceivableGross	381	1,006
Mortgage Loans on Real Estate | Commercial Loan	'	'
Financing Receivable, Recorded Investment, Current	296	24
LoansReceivableGross	296	24
Consumer Loans | Home Equity Line of Credit	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	123	527
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	72	110
Financing Receivable, Recorded Investment, Past Due	195	637
Financing Receivable, Recorded Investment, Current	8,553	9,612
Financing Receivable, Recorded Investment, Nonaccrual Status	69	158
LoansReceivableGross	8,817	10,407
Consumer Loans | Consumer Loans Auto Financing Receivable	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	2	'
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	4	14
Financing Receivable, Recorded Investment, Past Due	6	14
Financing Receivable, Recorded Investment, Current	3,956	3,010
Financing Receivable, Recorded Investment, Nonaccrual Status	38	19
LoansReceivableGross	4,000	3,043
Consumer Loans | Consumer Credit Card Financing Receivable	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	63	146
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	13	'
Financing Receivable, Recorded Investment, Past Due	76	146
Financing Receivable, Recorded Investment, Current	7,011	7,365
Financing Receivable, Recorded Investment, Nonaccrual Status	13	10
LoansReceivableGross	7,100	7,521
Consumer Loans | Deposit Accounts	'	'
Financing Receivable, Recorded Investment, Current	622	578
LoansReceivableGross	622	578
Consumer Loans | Consumer Other Financing Receivable	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	130	100
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	29	'
Financing Receivable, Recorded Investment, Past Due	159	100
Financing Receivable, Recorded Investment, Current	877	1,328
Financing Receivable, Recorded Investment, Nonaccrual Status	166	'
LoansReceivableGross	1,202	1,428
Consumer Loans | Total Loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	1,230	'
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	647	'
Financing Receivable, Recorded Investment, Past Due	1,877	'
Financing Receivable, Recorded Investment, Current	93,349	'
Financing Receivable, Recorded Investment, Nonaccrual Status	1,303	'
LoansReceivableGross	$96,529	'

4_Loans_Impaired_Financing_Rec1

(4) Loans: Impaired Financing Receivables (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total Loans	'	'
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	$1,735	$3,116
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,880	3,778
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,528	531
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,528	531
Impaired Financing Receivable With Related Allowance Related Allowance	74	30
Impaired Financing Receivable, Recorded Investment	3,263	3,647
Impaired Financing Receivable, Unpaid Principal Balance	3,408	4,309
Impaired Financing Receivable, Related Allowance	74	30
Mortgage Loans on Real Estate | One- to Four-Family	'	'
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,468	2,625
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	1,578	2,902
Impaired Financing Receivable, with Related Allowance, Recorded Investment	1,467	531
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	1,467	531
Impaired Financing Receivable With Related Allowance Related Allowance	68	30
Impaired Financing Receivable, Recorded Investment	2,935	3,156
Impaired Financing Receivable, Unpaid Principal Balance	3,045	3,433
Impaired Financing Receivable, Related Allowance	68	30
Mortgage Loans on Real Estate | Real Estate Lot Loans	'	'
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	'	135
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	'	356
Impaired Financing Receivable, Recorded Investment	'	135
Impaired Financing Receivable, Unpaid Principal Balance	'	356
Consumer Loans | Home Equity Line of Credit	'	'
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	236	318
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	265	476
Impaired Financing Receivable, with Related Allowance, Recorded Investment	45	'
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	45	'
Impaired Financing Receivable With Related Allowance Related Allowance	3	'
Impaired Financing Receivable, Recorded Investment	281	318
Impaired Financing Receivable, Unpaid Principal Balance	310	476
Impaired Financing Receivable, Related Allowance	3	'
Consumer Loans | Consumer Credit Card Financing Receivable	'	'
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	31	38
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	37	44
Impaired Financing Receivable, with Related Allowance, Recorded Investment	16	'
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	16	'
Impaired Financing Receivable With Related Allowance Related Allowance	3	'
Impaired Financing Receivable, Recorded Investment	47	38
Impaired Financing Receivable, Unpaid Principal Balance	53	44
Impaired Financing Receivable, Related Allowance	$3	'

4_Loans_Schedule_of_Average_In1

(4) Loans: Schedule of Average Investment, Interest Income Recognized and Received on Impaired Loans (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Total Loans	'	'
Impaired Financing Receivable, Average Recorded Investment	$3,398	$4,110
Impaired Financing Receivable Interest Income Recognized	99	102
Impaired Financing Receivable Interest Income Received	102	138
Mortgage Loans on Real Estate | One- to Four-Family	'	'
Impaired Financing Receivable, Average Recorded Investment	3,076	3,604
Impaired Financing Receivable Interest Income Recognized	92	92
Impaired Financing Receivable Interest Income Received	95	98
Mortgage Loans on Real Estate | Real Estate Lot Loans	'	'
Impaired Financing Receivable, Average Recorded Investment	18	73
Impaired Financing Receivable Interest Income Recognized	'	2
Impaired Financing Receivable Interest Income Received	'	31
Consumer Loans | Home Equity Line of Credit	'	'
Impaired Financing Receivable, Average Recorded Investment	268	402
Impaired Financing Receivable Interest Income Recognized	6	8
Impaired Financing Receivable Interest Income Received	6	9
Consumer Loans | Consumer Credit Card Financing Receivable	'	'
Impaired Financing Receivable, Average Recorded Investment	36	'
Impaired Financing Receivable Interest Income Recognized	1	'
Impaired Financing Receivable Interest Income Received	1	'
Consumer Loans | Consumer Loans Auto Financing Receivable	'	'
Impaired Financing Receivable, Average Recorded Investment	'	$31

4_Loans_Troubled_Debt_Restruct1

(4) Loans: Troubled Debt Restructurings on Financing Receivables (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Total Modified Loans	'	'
Financing Receivable, Modifications, Number of Contracts	5	5
Financing Receivable, Modifications, Pre-Modification Recorded Investment	$1,014	$770
Financing Receivable, Modifications, Post-Modification Recorded Investment	1,014	770
Mortgage Loans on Real Estate | One- to Four-Family | Modified interest rates	'	'
Financing Receivable, Modifications, Number of Contracts	3	4
Financing Receivable, Modifications, Pre-Modification Recorded Investment	952	721
Financing Receivable, Modifications, Post-Modification Recorded Investment	952	721
Consumer Loans | Home Equity Line of Credit | Modified interest rates	'	'
Financing Receivable, Modifications, Number of Contracts	1	'
Financing Receivable, Modifications, Pre-Modification Recorded Investment	45	'
Financing Receivable, Modifications, Post-Modification Recorded Investment	45	'
Consumer Loans | Consumer Credit Card Financing Receivable | Modified interest rates	'	'
Financing Receivable, Modifications, Number of Contracts	1	1
Financing Receivable, Modifications, Pre-Modification Recorded Investment	17	49
Financing Receivable, Modifications, Post-Modification Recorded Investment	$17	$49

5_Premises_and_Equipment_Sched2

(5) Premises and Equipment: Schedule of Property Plant and Equipment (Details) (Property, Plant and Equipment, USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Property, Plant and Equipment	'	'
Land	$1,125	$528
Buildings and Improvements, Gross	5,574	4,341
Furniture and Fixtures, Gross	4,233	4,399
Property, Plant and Equipment, Gross	10,932	9,268
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	5,825	5,947
Property, Plant, and Equipment, Owned, Net	$5,107	$3,321

5_Premises_and_Equipment_Sched3

(5) Premises and Equipment: Schedule of Future Minimum Rental Payments for Operating Leases (Details) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Details	'
Operating Leases, Future Minimum Payments, Due in Three Years	$172
Operating Leases, Future Minimum Payments, Due in Four Years	154
Operating Leases, Future Minimum Payments, Due in Five Years	79
Operating Leases, Future Minimum Payments, Due Thereafter	27
Operating Leases, Future Minimum Payments Due	$432

6_Foreclosed_Real_Estate_Sched1

(6) Foreclosed Real Estate: Schedule of Foreclosed Real Estate Expenses (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Write-down of foreclosed real estate	$29	$132
Other Cost and Expense, Operating	181	302
Foreclosed Real Estate Expense	$210	$434

7_Deposits_Aggregate_Amount_of

(7) Deposits: Aggregate Amount of Time Deposits (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Millions, unless otherwise specified
Details	'	'
Time Deposits, $100,000 or More	$8.10	$8.50

7_Deposits_Schedule_of_Time_De1

(7) Deposits: Schedule of Time Deposits (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Details	'	'
Time Deposit Maturities, Next Twelve Months	$21,520	'
Time Deposit Maturities, Year Two	3,900	'
Time Deposit Maturities, Year Three	1,101	'
Time Deposit Maturities, Year Four	1,260	'
Time Deposit Maturities, Year Five	790	'
Time deposits	$28,571	$31,363

7_Deposits_Schedule_of_Interes1

(7) Deposits: Schedule of Interest Expense on Deposit Accounts (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Interest Expense, Money Market Deposits	$139	$146
Interest Expense, Demand Deposit Accounts	105	171
Interest Expense, Time Deposits	162	236
Deposit accounts	$406	$553

8_Line_of_Credit_Federal_Funds

(8) Line of Credit: Federal Funds Unsecured Lines of Credit (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Correspondent Bank	'	'
Line of Credit Facility, Current Borrowing Capacity	$4,500,000	'
Line of Credit Facility, Amount Outstanding	0	0
Federal Home Loan Bank of Atlanta	'	'
Line of Credit Facility, Current Borrowing Capacity	14,500,000	'
Line of Credit Facility, Amount Outstanding	$0	$0

9_Offbalancesheet_Financial_In2

(9) Off-balance-sheet Financial Instruments: Schedule of Line of Credit Facilities (Details) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Details	'
Unused Commitments to Extend Credit	$15,274	[1]
[1]	Rates range from 3.93% to 15.45%.

10_Fair_Value_of_Financial_Ins2

(10) Fair Value of Financial Instruments: Schedule of Fair Value of Financial Instruments (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets | Cash and Cash Equivalents	'		'
Financial Instruments Owned Carrying Amount	$14,455	[1]	$26,909	[1]
Financial Instruments, Owned, at Fair Value	14,455	[1]	26,909	[1]
Financial assets | Held-to-maturity Securities	'		'
Financial Instruments Owned Carrying Amount	26,624	[2]	15,441	[2]
Financial Instruments, Owned, at Fair Value	25,956	[2]	15,658	[2]
Financial assets | Loans	'		'
Financial Instruments Owned Carrying Amount	95,479	[3]	95,335	[3]
Financial Instruments, Owned, at Fair Value	95,617	[3]	95,228	[3]
Financial assets | Investment in Federal Home Loan Bank Stock	'		'
Financial Instruments Owned Carrying Amount	177	[3]	218	[3]
Financial Instruments, Owned, at Fair Value	177	[3]	218	[3]
Financial assets | Accrued interest receivable	'		'
Financial Instruments Owned Carrying Amount	311	[3]	367	[3]
Financial Instruments, Owned, at Fair Value	311	[3]	367	[3]
Financial liabilities | Deposits	'		'
Financial Instruments Owned Carrying Amount	122,060	[3]	112,662	[3]
Financial Instruments, Owned, at Fair Value	$118,443	[3]	$119,741	[3]
[1]	The Company considers these fair value measurements to be Level 1
[2]	The Company considers these fair value measurements to be Level 2.
[3]	The Company considers these fair value measurements to be Level 3.

11_Income_Taxes_Schedule_of_Co1

(11) Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Current Federal Tax Expense (Benefit)	$25	'
Other Income Tax Expense (Benefit), Continuing Operations	25	'
Deferred Federal Income Tax Expense (Benefit)	130	-297
Deferred State and Local Income Tax Expense (Benefit)	26	-51
Deferred income taxes (benefit)	156	-348
Income tax benefit	$181	($348)

11_Income_Taxes_Schedule_of_Ef1

(11) Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Income Tax Reconciliation, Income Tax Expense (Benefit), at Federal Statutory Income Tax Rate	$193,000	($297,000)
Increase in income tax benefit resulting from State taxes, net of Federal tax	17,000	-51,000
IncreaseInIncomeTaxBenefitResultingFromStateTaxesNetOfFederalTaxPercentage	3,000	5,700
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount	-29,000	'
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent	-5.00%	'
Differences Between Statutory Federal Income Tax Rate and Effective Tax Rate	$181,000	($348,000)

11_Income_Taxes_Schedule_of_De1

(11) Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Details	'	'
Deferred Tax Assets, Valuation Allowance	$487	$567
Deferred Tax Assets, Operating Loss Carryforwards	1,556	1,654
Deferred Tax Assets, Other	83	21
Deferred Tax Assets Nonaccrual Interest	426	384
Deferred Tax Assets Foreclosed Property Expense	15	137
Deferred Tax Assets, Property, Plant and Equipment	38	'
Deferred Tax Assets Stock Option Expense	42	'
Deferred Tax Assets, Gross	2,647	2,763
Deferred Tax Liabilities, Mortgage Servicing Rights	-91	'
Deferred Tax Liability Property, Plant and Equipment	'	-51
Deferred Tax Liabilities, Gross, Current	-91	-51
Deferred Tax Assets, Net of Valuation Allowance	$2,556	$2,712

11_Income_Taxes_Operating_Loss

(11) Income Taxes: Operating Loss Carryforwards (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013
Details	'
Deferred Tax Assets, Operating Loss Carryforwards, Subject to Expiration	$4.10
Operating Loss Carryforwards Expiration Dates	'The carryforward will begin to expire in 2028

13_Related_Parties_Schedule_of1

(13) Related Parties: Schedule of Related Party Transactions (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Related Party Transaction, Amounts of Transaction	$9	$18
Repayments of Related Party Debt	-126	-21
Beginning balance	'	'
Related Party Loan Amounts Held	149	152
Ending balance	'	'
Related Party Loan Amounts Held	32	149
Related Party Deposit Liabilities	$123	$584

14_Employee_Benefit_Plans_Empl

(14) Employee Benefit Plans: Employee 401(k) Plan (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Details	'	'	'
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Amount	$17,500	$17,500	'
Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay	'	100.00%	'
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	'	5.00%	'
Defined Benefit Plan, Contributions by Employer	'	$105,000	$98,000

15_Employee_Stock_Ownership_Pl1

(15) Employee Stock Ownership Plan ('ESOP'): Employee Stock Ownership Plan (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Employee Stock Ownership Plan (ESOP), Shares Contributed to ESOP	98,756	'
Employee Stock Ownership Plan (ESOP), Debt Structure, Direct Loan, Amount	$988	'
ESOP compensation expense	$47,000	$76,000

16_2012_Equity_Incentive_Plan_3

(16) 2012 Equity Incentive Plan: Schedule of Equity Incentive Plan (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Options Granted	'	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options	7,000	91,000
Share Based Compensation Arrangement By Share Based Payment Award Options In Period Weighted Average Exercise Price	$16.75	$10.75
Options Forfeited	'	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options	-9,500	-1,000
Share Based Compensation Arrangement By Share Based Payment Award Options In Period Weighted Average Exercise Price	$10.75	$10.75
Outstanding at end of period	'	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options	87,500	90,000
Share Based Compensation Arrangement By Share Based Payment Award Options In Period Weighted Average Exercise Price	$11.23	$10.75
Share Based Compensation Arrangement By Share Based Payment Award Options Weighted Average Remaining Contractual Term	13.38	'
Exercisable at end of period	'	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options	10,000	'
Share Based Compensation Arrangement By Share Based Payment Award Options In Period Weighted Average Exercise Price	$10.75	'
Share Based Compensation Arrangement By Share Based Payment Award Options Weighted Average Remaining Contractual Term	8.95	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$7,500	'

16_2012_Equity_Incentive_Plan_4

(16) 2012 Equity Incentive Plan: Stock Option Compensation Expense (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Details	'	'
Employee Service Share-based Compensation, Unrecognized Compensation Costs on Nonvested Awards	$248,000	'
Employee Service Share Based Compensation Unrecognized Compensation Costs On Nonvested Awards Weighted Average Period Of Recognition	58	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested in Period, Fair Value	$87,000	$2,000

16_2012_Equity_Incentive_Plan_5

(16) 2012 Equity Incentive Plan: Schedule of Fair Value Assumptions of Options Granted (Details) (Equity Incentive Plan, USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Fair Value Assumptions, Risk Free Interest Rate	2.47%	'
Fair Value Assumptions, Expected Volatility Rate	21.38%	26.05%
Option granted in period expected life in years	9	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$5.66	'
Minimum	'	'
Fair Value Assumptions, Risk Free Interest Rate	'	0.73%
Option granted in period expected life in years	'	5.5
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	'	2.75
Maximum	'	'
Fair Value Assumptions, Risk Free Interest Rate	'	1.44%
Option granted in period expected life in years	'	9
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	'	3.76

16_2012_Equity_Incentive_Plan_6

(16) 2012 Equity Incentive Plan: Equity Incentive Plan Restricted Stock (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013
Details	'
Weighted Average Number of Shares, Restricted Stock	49,378
Restricted Stock or Unit Expense	$24

16_2012_Equity_Incentive_Plan_7

(16) 2012 Equity Incentive Plan: Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity (Details) (USD $)	12 Months Ended
	Dec. 31, 2013
Weighted Average Number of Shares, Restricted Stock	49,378
Outstanding at end of period	'
Weighted Average Number of Shares, Restricted Stock	42,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	16.75
Restricted stock issued	'
Weighted Average Number of Shares, Restricted Stock	42,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	16.75

16_2012_Equity_Incentive_Plan_8

(16) 2012 Equity Incentive Plan: Restricted stock expense (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Details	'
Nonvested restricted stock unrecognized compensation expense	$688

17_Fair_Value_Measurements_Fai1

(17) Fair Value Measurements: Fair Value Measurements, Nonrecurring (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
One- to Four-Family Real Estate Loans	'	'
Fair Value Impaired Collateral Dependent Loans	$2,866	$2,160
Home Equity Line of Credit	'	'
Fair Value Impaired Collateral Dependent Loans	278	256
Consumer Credit Card Financing Receivable	'	'
Fair Value Impaired Collateral Dependent Loans	45	38
Total Fair Value	'	'
Fair Value Impaired Collateral Dependent Loans	3,189	2,506
Real Estate Lot Loans	'	'
Fair Value Impaired Collateral Dependent Loans	52	'
Fair Value, Inputs, Level 3 | One- to Four-Family Real Estate Loans	'	'
Fair Value Impaired Collateral Dependent Loans	2,866	2,160
Fair Value, Inputs, Level 3 | Home Equity Line of Credit	'	'
Fair Value Impaired Collateral Dependent Loans	278	256
Fair Value, Inputs, Level 3 | Consumer Credit Card Financing Receivable	'	'
Fair Value Impaired Collateral Dependent Loans	45	38
Fair Value, Inputs, Level 3 | Total Fair Value	'	'
Fair Value Impaired Collateral Dependent Loans	3,189	2,506
Fair Value, Inputs, Level 3 | Real Estate Lot Loans	'	'
Fair Value Impaired Collateral Dependent Loans	52	'
Total Losses | One- to Four-Family Real Estate Loans	'	'
Fair Value Impaired Collateral Dependent Loans	179	308
Total Losses | Home Equity Line of Credit	'	'
Fair Value Impaired Collateral Dependent Loans	31	158
Total Losses | Consumer Credit Card Financing Receivable	'	'
Fair Value Impaired Collateral Dependent Loans	9	6
Total Losses | Total Fair Value	'	'
Fair Value Impaired Collateral Dependent Loans	219	693
Total Losses | Real Estate Lot Loans	'	'
Fair Value Impaired Collateral Dependent Loans	221	'
Losses Recorded During the Period | One- to Four-Family Real Estate Loans	'	'
Fair Value Impaired Collateral Dependent Loans	128	232
Losses Recorded During the Period | Home Equity Line of Credit	'	'
Fair Value Impaired Collateral Dependent Loans	8	112
Losses Recorded During the Period | Consumer Credit Card Financing Receivable	'	'
Fair Value Impaired Collateral Dependent Loans	3	6
Losses Recorded During the Period | Total Fair Value	'	'
Fair Value Impaired Collateral Dependent Loans	139	453
Losses Recorded During the Period | Real Estate Lot Loans	'	'
Fair Value Impaired Collateral Dependent Loans	$103	'

17_Fair_Value_Measurements_Sch1

(17) Fair Value Measurements: Schedule of Fair Value of Foreclosed Assets (Details) (Foreclosed Assets, USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value of Foreclosed Assets	$724	$1,878
Fair Value, Inputs, Level 3	'	'
Fair Value of Foreclosed Assets	724	1,878
Total Losses	'	'
Fair Value of Foreclosed Assets	44	137
Losses Recorded During the Period	'	'
Fair Value of Foreclosed Assets	$22	$95

18_Regulatory_Matters_Schedule1

(18) Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total Capital to Risk-Weighted Assets	'	'
Capital	$19,104	$18,406
Capital to Risk Weighted Assets	21.53%	20.96%
Capital Required for Capital Adequacy	7,097	7,027
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	8,872	8,783
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier 1 Capital to Risk-Weighted Assets	'	'
Capital	17,993	17,302
Capital to Risk Weighted Assets	20.28%	19.70%
Capital Required for Capital Adequacy	3,549	3,514
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	5,323	5,270
Capital Required to be Well Capitalized to Risk Weighted Assets	6.00%	6.00%
Tier 1 Capital to Total Assets	'	'
Capital	17,993	17,302
Capital to Risk Weighted Assets	12.67%	11.96%
Capital Required for Capital Adequacy	5,681	5,787
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$7,102	$7,235
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%

19_Parent_Company_Only_Financi4

(19) Parent Company Only Financial Information: Schedule of Condensed Balance Sheet (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred income taxes (benefit)	$156	($348)
Other assets	1,069	1,259
Total assets	146,502	147,440
Other liabilities	363	372
Total stockholders' equity	23,714	24,935
Total liabilities and stockholders' equity	146,502	147,440
Parent Company Only | Assets	'	'
Cash	2,162	4,761
Investments in Subsidiary	20,540	20,030
Bank Loans	972	'
Deferred income taxes (benefit)	57	26
Other assets	'	119
Total assets	23,731	24,936
Parent Company Only | Liabilities and Stockholders' Equity	'	'
Other liabilities	17	1
Total stockholders' equity	23,714	24,935
Total liabilities and stockholders' equity	$23,731	$24,936

19_Parent_Company_Only_Financi5

(19) Parent Company Only Financial Information: Schedule of Condensed Income Statement (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Income tax benefit	$181	($348)
Net income (loss)	385	-528
Parent Company Only	'	'
Revenues	47	49
Other Expenses	-136	-100
(Loss) earnings before loss of subsidiary	-89	-51
Net loss of subsidiary	443	-515
Income (loss) before income tax benefit	354	-566
Income tax benefit	-31	-38
Net income (loss)	$385	($528)

19_Parent_Company_Only_Financi6

(19) Parent Company Only Financial Information: Schedule of Condensed Cash Flow Statement (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Net income (loss)	$385	($528)
ESOP compensation expense	47	76
Net cash provided by operating activities	1,847	1,050
Net cash (used in) provided by financing activities	-1,366	2,246
Parent Company Only	'	'
Net income (loss)	385	-528
Cash, Period Increase (Decrease)	-2,599	-15
Parent Company Only | Beginning balance	'	'
Cash	4,761	4,776
Parent Company Only | Ending balance	'	'
Cash	2,162	4,761
Parent Company Only | Cash flows from operating activities	'	'
Net income (loss)	385	-528
Net cash provided by operating activities	137	-15
Parent Company Only | Adjustments to reconcile net loss to net cash used in operating activities	'	'
ESOP compensation expense	47	76
Increase (decrease) in investment in subsidiary due to ESOP compensation	44	'
Deferred Tax Liabilities, Gross	-31	-26
Increase (Decrease) in Other Operating Assets	119	-42
Increase (Decrease) in Other Operating Liabilities	16	-10
Equity in undistributed loss of subsidiary	-443	515
Parent Company Only | Cash flows used in investing activity	'	'
Loan purchase, net of repayments	-972	'
Parent Company Only | Cash flows from financing activities	'	'
Stock Repurchased During Period, Value	-1,764	'
Net cash (used in) provided by financing activities	-1,764	'
Parent Company Only | Supplemental disclosure of cash flow information -- Noncash transactions	'	'
Stock based compensation expense of subsidiary	$111	$2