Sunshine Financial 10-Q 14 Nov 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Nov. 14, 2016
Document and Entity Information:
Entity Registrant Name	Sunshine Financial Inc
Document Type	10-Q
Document Period End Date	Sep. 30, 2016
Trading Symbol	ssnf
Amendment Flag	false
Entity Central Index Key	1,500,837
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		1,031,898
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	2,016
Document Fiscal Period Focus	Q3
Entity Incorporation, State Country Name	Maryland corporation

SUNSHINE FINANCIAL, INC. AND SU

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Condensed Consolidated Balance Sheets (September 30, 2016 figures unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 2,031	$ 1,773
Interest-bearing deposits with banks	11,766	9,089
Cash and cash equivalents	13,797	10,862
Securities held to maturity	17,698	21,063
Loans, net	123,439	113,422
Premises and equipment, net	4,488	4,591
Bank owned life insurance	3,148	3,075
Federal Home Loan Bank stock, at cost	376	348
Deferred income taxes	2,603	2,613
Accrued interest receivable	367	322
Foreclosed real estate	426	433
Other assets	983	1,099
Total assets	167,325	157,828
Liabilities:
Noninterest-bearing deposit accounts	30,847	28,211
Money-market deposit accounts	40,608	36,524
Savings accounts	45,983	41,717
Time deposits	21,181	24,018
Total deposits	138,619	130,470
Federal home loan bank advances	5,500	5,000
Official checks	565	526
Other liabilities	1,165	474
Total liabilities	145,849	136,470
Stockholders' equity:
Common stock	10	10
Additional paid in capital	7,379	7,285
Retained earnings	14,583	14,633
Unearned Employee Stock Ownership Plan shares	(496)	(570)
Total stockholders' equity	21,476	21,358
Total liabilities and stockholders' equity	$ 167,325	$ 157,828

SUNSHINE FINANCIAL, INC. AND S3

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Condensed Consolidated Balance Sheets (September 30, 2016 figures unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Statements of Financial Condition
Securities held to maturity fair value	$ 17,887	$ 20,854
Allowance for loan losses	$ 892	$ 895
Preferred stock par value	$ 0.01	$ 0.01
Preferred stock shares authorized	1,000,000	1,000,000
Preferred stock shares issued	0	0
Preferred stock shares 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	1,031,898	1,030,898
Common stock shares outstanding	1,031,898	1,030,898

SUNSHINE FINANCIAL, INC. AND S4

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest income:
Loans	$ 1,492	$ 1,371	$ 4,389	$ 4,081
Securities	88	116	286	367
Other interest income	13	5	38	18
Total interest income	1,593	1,492	4,713	4,466
Interest expense:
Deposit accounts	95	94	278	281
Federal home loan bank borrowings	6		15
Total interest expense	101	94	293	281
Net interest income	1,492	1,398	4,420	4,185
Provision for loan losses	45	45	135	125
Net interest income after provision for loan losses	1,447	1,353	4,285	4,060
Noninterest income:
Fees and service charges on deposit accounts	357	369	1,064	1,090
Gain on sale of loans	15	9	39	128
Gain on sale of foreclosed real estate	14		14	23
Gain on sale of land				451
Fees and charges on loans	39	24	115	107
Bank owned life insurance earnings	24	26	73	50
Other noninterest income	37	12	83	27
Total noninterest income	486	440	1,388	1,876
Noninterest expenses:
Salaries and employee benefits	829	948	2,590	2,789
Occupancy and equipment	262	298	820	853
Data processing services	307	314	916	979
Professional fees	172	185	533	512
Federal Deposit Insurance Corporation insurance	31	32	94	93
Advertising and promotion	43	23	64	51
Stationery and supplies	17	13	55	53
Telephone and postage	26	34	78	107
Foreclosed real estate	15	13	36	57
Credit card expense	41	31	124	93
Other noninterest expenses	139	141	421	463
Total noninterest expenses	1,882	2,032	5,731	6,050
Earnings (loss) before income taxes (benefit)	51	(239)	(58)	(114)
Income taxes (benefit)	16	(118)	(8)	(46)
Net earnings (loss)	$ 35	$ (121)	$ (50)	$ (68)
Basic earnings (loss) per common share	$ 0.04	$ (0.12)	$ (0.05)	$ (0.07)
Diluted earnings (loss) per common share	$ 0.04	$ (0.12)	$ (0.05)	$ (0.07)

SUNSHINE FINANCIAL, INC. AND S5

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock Shares	Common Stock Amount	Additional Paid In Capital	Retained Earnings	Unearned Employee Stock Ownership Plan Shares	Total Stockholders' Equity
Balance beginning of period shares at Dec. 31, 2014		1,094,110
Balance beginning of period amount at Dec. 31, 2014			$ 10	$ 8,334	$ 14,709	$ (665)	$ 22,388
Net income (loss)	$ (68)				(68)		(68)
Stock based compensation expense	150			150			150
Repurchase of common stock shares		(11,800)
Repurchase of common stock amount	(213)			(213)			(213)
Common stock allocated to Employee Stock Ownership Plan ("ESOP") participants				(60)		71	11
Balance end of period shares at Sep. 30, 2015		1,082,110
Balance end of period amount at Sep. 30, 2015			10	8,211	14,641	(594)	22,268
Balance beginning of period shares at Dec. 31, 2015		1,030,898
Balance beginning of period amount at Dec. 31, 2015			10	7,285	14,633	(570)	21,358
Net income (loss)	(50)				(50)		(50)
Stock based compensation expense	$ 152			152			152
Stock issued for options exercised, shares		1,000
Stock issued for options exercised, amount				11			11
Common stock allocated to Employee Stock Ownership Plan ("ESOP") participants				(69)		74	5
Balance end of period shares at Sep. 30, 2016		1,031,898
Balance end of period amount at Sep. 30, 2016			$ 10	$ 7,379	$ 14,583	$ (496)	$ 21,476

SUNSHINE FINANCIAL, INC. AND S6

SUNSHINE FINANCIAL, INC. AND SUBSIDIARIES -- Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash flows from operating activities:
Net income (loss)	$ (50)	$ (68)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation	271	288
Provision for loan losses	135	125
Deferred income taxes (benefit)	10	(60)
Net amortization of premiums/discounts on securities	34	36
Net amortization of deferred loan fees and costs	90	13
Bank owned life insurance earnings	(73)	(50)
Loans originated for sale	(1,085)	(6,102)
Proceeds from loans sold	1,124	6,254
Gain on sale of loans	(39)	(128)
ESOP compensation expense	5	11
Stock-based compensation expense	152	150
Increase in accrued interest receivable	(45)	(3)
Decrease (increase) in other assets	116	(4)
Gain on sale of foreclosed real estate	(14)	(23)
Write-down of foreclosed real estate	27
Gain on the sale of land		(451)
Increase (decrease) in official checks	39	(42)
Increase in other liabilities	691	542
Net cash provided by operating activities	1,388	488
Cash flows from investing activities:
Principal pay-downs on held-to-maturity securities	3,331	3,831
Purchase of bank owned life insurance		(3,000)
Net increase in loans	(10,340)	(5,946)
Net (purchases) sales of premises and equipment	(168)	414
Purchase of Federal Home Loan Bank stock	(28)	(6)
Proceeds from sale of foreclosed real estate	106	176
Capital improvements to foreclosed real estate	(14)	(14)
Net cash used in investing activities	(7,113)	(4,545)
Cash flows from financing activities:
Net increase in deposits	8,149	967
Increase in Federal Home Loan Bank advances	500
Repurchase of common stock		(213)
Cash proceeds from stock options exercised	11
Net cash provided by financing activities	8,660	754
Increase (decrease) in cash and cash equivalents	2,935	(3,303)
Cash and cash equivalents at beginning of period	10,862	13,032
Cash and cash equivalents at end of period	13,797	9,729
Cash paid during the period for:
Interest	293	281
Noncash transaction-
Transfer from loans to foreclosed real estate	$ 98	$ 456

1. Organization and Basis of Pr

1. Organization and Basis of Presentation	9 Months Ended
	Sep. 30, 2016
Notes
1. Organization and Basis of Presentation	1. Organization and Basis of Presentation Sunshine Financial, Inc. ("Sunshine Financial" or the "Holding Company"), a Maryland corporation, is the holding company for Sunshine Community Bank (the "Bank") and owns all the outstanding common stock of the Bank. Sunshine Community Bank and its holding company, Sunshine Financial, Inc. announced July 11, 2016 that the Bank completed its conversion from a federal savings bank charter to a Florida state bank charter effective July 1, 2016. As a result of the charter conversion, the Bank’s legal name changed to Sunshine Community Bank. The changes had no effect on bank products or services, and deposits remain insured through the Federal Deposit Insurance Corporation. As a Florida-chartered financial institution, the Florida Office of Financial Regulation is the primary regulator for the Bank. Sunshine Community Bank is also regulated by the Federal Deposit Insurance Corporation. Sunshine Financial, Inc. continues to be regulated by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Holding Company's only business is the operation of the Bank. The Bank, through its six 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. which was established to sell automobile warranty, credit life and disability insurance products associated with loan products. Collectively the entities are referred to as the "Company." These condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and Article 8-03 of Regulation S-X and do not include all disclosures required by accounting principles generally accepted in the United States of America ("GAAP") for a complete presentation of the Company's consolidated financial condition and results of operations. It is recommended that these unaudited condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's annual report on Form 10-K for the year ended December 31, 2015 filed with the U.S. Securities and Exchange Commission ("SEC") on March 29, 2016. In the opinion of management, the information reflects all adjustments (consisting only of normal recurring adjustments) which are necessary in order to make the financial statements not misleading and for a fair representation of the results of operations for such periods. The results for the three- and nine-month periods ended September 30, 2016 should not be considered as indicative of results for a full year, or any other future period. The preparation of financial statements, in conformity with GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to change in the near term are determining the allowance for loan losses, accounting for deferred income taxes as well as the valuation of foreclosed real estate.

2. Recent Accounting Pronouncem

2. Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2016
Notes
2. Recent Accounting Pronouncements	2. RECENT ACCOUNTING PRONOUNCEMENTS In Financial Accounting Standards Board (“FASB”) Accounting Standards Update (“ASU”) 2016-01, Financial Instruments-Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, which intended enhance the reporting model for financial instruments to provide users of financial statements with more decision-useful information. The ASU requires equity investments to be measured at fair value with changes in fair values recognized in net earnings, simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment and eliminates the requirement to disclose fair values, the methods and significant assumptions used to estimate the fair value of financial instruments measured at amortized cost. The ASU also clarifies that the Company should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale debt securities in combination with the Company’s other deferred tax assets. These amendments are effective for the Company beginning January 1, 2017. The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements. In February 2016, the FASB issued ASU 2016-2, Leases (Topic 842) In March 2016 the FASB issued ASU No. 2016-09 Compensation-Stock Compensation (Topic 718) In June 2016, FASB issued Accounting Standards Update ("ASU") No. 2016-13 Financial Instruments-Credit Losses (Topic 326). The ASU improves financial reporting by requiring timelier recording of credit losses on loans and other financial instruments held by the Company. The ASU requires the Company to measure all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. The Company will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization's portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. Additionally, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU will take effect for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early application will be permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company is in the process of determining the effect of the ASU on its consolidated balance sheets and consolidated statements of operations. In August 2016, FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments. This ASU addresses the appropriate classification of eight specific cash flow issues on the cash flow statement. Debt prepayment costs should be classified as an outflow for financing activities. Settlement of zero-coupon debt instruments divides the interest portion as an outflow for operating activities and the principal portion as an outflow for financing activities. Contingent consideration payments made after a business combination should be classified as outflows for financing and operating activities. Proceeds from the settlement of bank-owned life insurance policies should be classified as inflows from investing activities. Other specific areas are identified in the ASU as to the appropriate classification of the cash inflows or outflows. The amendments in this ASU are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Early adoption is permitted and must be applied using a retrospective transition method to each period presented. The Company does not expect this ASU to have a material impact on the Company’s consolidated financial statements.

3. Earnings (loss) Per Share

3. Earnings (loss) Per Share	9 Months Ended
	Sep. 30, 2016
Notes
3. Earnings (loss) Per Share	3. 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 the three-months ended September 30, 2016, the outstanding stock options are considered dilutive securities for purposes of calculating diluted EPS which was computed using the treasury stock method. For the three-months ended September 30, 2015 and the nine-months ended September 30, 2015 and 2016, the 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 ($ in thousands, except per share amounts): 2016 2015 Weighted- Per Weighted- Per Average Share Average Share Earnings Shares Amount Earnings Shares Amount Three-Months Ended September 30: Basic EPS: Net earnings (loss) $ 35 944,569 $ 0.04 $ (121) 987,627 $ ( 0.12) Effect of dilutive securities: Incremental shares from assumed conversion of options and restricted stock awards 32,921 - Diluted EPS: Net earnings (loss) $ 35 977,490 $ 0.04 $ (121) 987,627 $ ( 0.12) 2016 2015 Weighted- Per Weighted- Per Average Share Average Share Earnings Shares Amount Earnings Shares Amount Nine-Months Ended September 30: Basic EPS: Net loss $ (50) 942,100 $ (0.05) $ (68) 987,445 $ ( 0.07) Diluted EPS: Net loss $ (50) 942,100 $ ( 0.05) $ (68) 987,445 $ ( 0.07)

4. Securities Held To Maturity

4. Securities Held To Maturity	9 Months Ended
	Sep. 30, 2016
Notes
4. Securities Held To Maturity	4. Securities Held to Maturity Securities have been classified as held to maturity according to management intent. The carrying amount of securities and their fair values are as follows (in thousands): Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value At September 30, 2016 Agency mortgage-backed securities $ 781 36 - 817 Agency collateralized mortgage obligations 16,917 208 (55) 17,070 Total $ 17,698 244 (55) 17,887 At December 31, 2015 Agency mortgage-backed securities 1,086 42 - 1,128 Agency collateralized mortgage obligations 19,977 27 ( 278 19,726 Total $ 21,063 69 ( 278 20,854 There were no securities pledged at September 30, 2016 or December 31, 2015. 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 Gross Unrealized Fair Unrealized Fair Losses Value Losses Value At September 30, 2016: Agency Collateralized mortgage obligations $ - - (55) 4,396 At December 31, 2015: Agency Collateralized mortgage obligations $ (94) 8,332 (184) 5,839 At September 30, 2016 the unrealized losses on eight securities were considered by management to be attributable to changes in market interest rates, and not to credit risk on the part of the issuer. Accordingly, if market interest rates were to decline, much or the entire 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.

5. Loans

5. Loans	9 Months Ended
	Sep. 30, 2016
Notes
5. Loans	5. Loans The loan portfolio segments and classes as of the dates indicated are as follows (in thousands): September 30, December 31, 2016 2015 Real estate mortgage loans: One-to four-family $ 52,603 46,293 Commercial real estate 48,650 43,419 Construction and lot 3,747 5,175 Total real estate loans 105,000 94,887 Commercial loans 1,780 1,177 Consumer loans: Home equity 7,152 7,609 Automobile 3,234 3,321 Credit cards and unsecured 5,810 6,100 Other 1,232 1,312 Total consumer loans 17,428 18,342 Total loans 124,208 114,406 Add (deduct) Loans in process 165 43 Deferred fees and discounts (42) (132) Allowance for loan losses (892 (895 Total loans, net $ 123,439 113,422 The Company has divided the loan portfolio into three portfolio segments and eight 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. Commercial Loans. Consumer Loans. An analysis of the change in the allowance for loan losses for the periods indicated, is as follows (in thousands): Real Estate Commercial Consumer Loans Loans Loans Unallocated Total Three-Months Ended September 30, 2016: Beginning balance $ 481 27 356 61 925 Provision (credit) for loan loss 59 14 33 (61) 45 Charge-offs (53) - (42) - (95) Recoveries 9 - 8 - 17 Ending balance $ 496 41 355 - 892 Three-Months Ended September 30, 2015: Beginning balance $ 515 13 379 1 908 Provision (credit) for loan loss 5 1 40 (1) 45 Charge-offs (5) - (64) - (69) Recoveries 1 - 25 - 26 Ending balance $ 516 14 380 - 910 Nine-Months Ended September 30, 2016: Beginning balance $ 503 10 381 1 895 Provision (credit) for loan loss 46 31 59 (1) 135 Charge-offs (67) - (132) - (199) Recoveries 14 - 47 - 61 Ending balance $ 496 41 355 - 892 Nine -Months Ended September 30, 2015: Beginning balance $ 708 10 296 73 1,087 Provision (credit) for loan loss (198) 4 392 (73) 125 Charge-offs (5) - (372) - (377) Recoveries 11 - 64 - 75 Ending balance $ 516 14 380 - 910 At September 30, 2016: Individually evaluated for impairment: Recorded investment $ 2,571 - 179 - 2,750 Balance in allowance for loan losses $ 45 - 28 - 73 Collectively evaluated for impairment: Recorded investment $ 102,429 1,780 17,249 - 121,458 Balance in allowance for loan losses $ 451 41 327 - 819 At December 31, 2015: Individually evaluated for impairment: Recorded investment $ 2,728 - 221 - 2,949 Balance in allowance for loan losses $ 73 - 33 - 106 Collectively evaluated for impairment: Recorded investment $ 92,159 1,177 18,121 - 111,457 Balance in allowance for loan losses $ 430 10 348 1 789 The following summarizes the loan credit quality by loan grade and class at the dates indicated (in thousands): Credit Risk Profile by Internally One to Four Commercial Real Constru- ction and Comme- Home Auto- Credit Cards and Assigned Grade: Family Estate Lot rcial Equity mobile Unsecured Other Total At September 30, 2016: Grade: Pass $ 49,961 48,650 3,702 1,780 6,743 3,208 5,767 1,149 120,960 Special mention 89 - 28 - 76 4 8 - 205 Substandard 2,553 - 17 - 333 22 35 83 3,043 Doubtful - - - - - - - - - Loss - - - - - - - - - Total $ 52,603 48,650 3,747 1,780 7,152 3,234 5,810 1,232 124,208 At December 31, 2015: Grade: Pass 41,995 43,419 5,154 1,177 7,221 3,311 6,068 1,228 109,573 Special mention 419 - 21 - 23 - - 1 464 Substandard 3,879 - - - 365 10 32 83 4,369 Doubtful - - - - - - - - - Loss - - - - - - - - - Total $ 46,293 43,419 5,175 1,177 7,609 3,321 6,100 1,312 114,406 Internally assigned loan grades are defined as follows: Pass Special Mention Substandard Doubtful Loss 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 September 30, 2016: Real estate loans: One-to four-family $ 522 182 - 704 50,582 1,317 52,603 Commercial real estate - - - - 48,650 - 48,650 Construction and lot 61 - - 61 3,686 - 3,747 Commercial loans - - - - 1,781 - 1,781 Consumer loans: Home equity 37 76 - 113 6,811 228 7,152 Automobile 4 - - 4 3,208 22 3,234 Credit cards and unsecured 12 188 18 218 5,557 35 5,810 Other 7 - - 7 1,142 82 1,231 Total $ 643 446 18 1,107 121,417 1,684 124,208 At December 31, 2015: Real estate loans: One-to four-family 698 419 - 1,117 43,832 1,344 46,293 Commercial real estate - - - - 43,419 - 43,419 Construction and lot - 21 - 21 5,154 - 5,175 Commercial loans - - - - 1,177 - 1,177 Consumer loans: Home equity 77 51 - 128 7,192 289 7,609 Automobile 22 - - 22 3,289 10 3,321 Credit cards and unsecured 54 - 7 61 6,007 32 6,100 Other 4 1 - 5 1,224 83 1,312 Total $ 855 492 7 1,354 111,294 1,758 114,406 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 September 30, 2016: Real estate loans: One-to four-family $ 1,995 2,047 576 593 45 2,571 2,640 45 Consumer loans: Home equity 142 157 37 46 28 179 203 28 $ 2,137 2,204 613 639 73 2,750 2,843 73 At December 31, 2015: Real estate loans: One-to four-family $ 1,552 1,604 1,176 1,193 73 2,728 2,797 73 Consumer loans: Home equity 56 71 165 174 33 221 245 33 $ 1,608 1,675 1,341 1,367 106 2,949 3,042 106 The average net investment in impaired loans and interest income recognized and received on impaired loans for the periods shown are as follows (in thousands): Three-Months Ended September 30, 2016 2015 Average Interest Interest Average Interest Interest Recorded Income Income Recorded Income Income Investment Recognized Received Investment Recognized Received Residential estate loans: One-to-four family $ 2,578 34 36 2,711 35 36 Consumer loans: Home equity 181 3 2 265 3 4 Total $ 2,759 37 38 $ 2,976 38 40 Nine-Months Ended September 30, 2016 2015 Average Interest Interest Average Interest Interest Recorded Income Income Recorded Income Income Investment Recognized Received Investment Recognized Received Residential estate loans: One-to-four family $ 2,587 110 113 2,742 92 93 Consumer loans: Home equity 184 10 10 271 9 10 Total $ 2,771 120 123 $ 3,013 101 103 The Company had no troubled debt restructurings (TDR) entered into during the three- and nine-months ended September 30, 2016 or 2015. The Company had no commitments to extend additional credit to borrowers whose terms have been modified in TDRs.

6. Lines of Credit

6. Lines of Credit	9 Months Ended
	Sep. 30, 2016
Notes
6. Lines of Credit	6. Lines of Credit The Company has an unsecured federal funds line of credit for $6.0 million with a correspondent bank and a $41.8 million line with the Federal Home Loan Bank of Atlanta collateralized by a blanket lien on qualifying loans. At September 30, 2016, the Company had $5.5 million outstanding in FHLB advances that mature in 2016 at a weighted average fixed rate of 0.40%. At December 31, 2015, the Company had $5.0 million outstanding in FHLB advances that matured in 2016 at a weighted average fixed rate of 0.39%. At September 30, 2016 and December 31, 2015, the Company had no outstanding balances on the federal funds line of credit.

7. Off-balance-sheet Financial

7. Off-balance-sheet Financial Instruments	9 Months Ended
	Sep. 30, 2016
Notes
7. Off-balance-sheet Financial Instruments	7. 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 commitments to extend 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 and commitments to extend 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 and commitments to extend 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 follows at September 30, 2016 (in thousands): Contract Amount Unused lines of credit $ 19,525 Commitments to extend credit $ 276

8. Fair Value of Financial Inst

8. Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2016
Notes
8. Fair Value of Financial Instruments	8. Fair Value of Financial Instruments The estimated fair values of the Company's financial instruments are as follows (in thousands): At September 30, 2016 At December 31, 2015 Carrying Fair Carrying Fair Amount Value Level Amount Value Level Financial assets: Cash and cash equivalents $ 13,797 13,797 1 10,862 10,862 1 Securities held to maturity 17,698 17,887 2 21,063 20,854 2 Loans 123,439 123,886 3 113,422 113,558 3 Federal Home Loan Bank stock 376 376 3 348 348 3 Accrued interest receivable 367 367 3 322 322 3 Financial liabilities: Deposits 138,619 134,946 3 130,470 126,230 3 Federal Home Loan Bank advances 5,500 5,500 3 5,000 5,000 3 Off-balance-sheet financial instruments - - 3 - - 3 Discussion regarding the assumptions used to compute the estimated fair values of financial instruments can be found in Note 1 to the consolidated financial statements included in the 2015 Form 10-K.

9. Employee Stock Ownership Pla

9. Employee Stock Ownership Plan	9 Months Ended
	Sep. 30, 2016
Notes
9. Employee Stock Ownership Plan	9. Employee Stock Ownership Plan The Holding Company has established an ESOP which acquired 98,756 shares of common stock in exchange for a $988,000 note payable from the Bank to the Holding Company. The note bears interest at a fixed rate of 4.25%, is payable in annual installments and is due in 2021. The ESOP expense was $1,000 for the three-months ended September 30, 2016 and $4,000 for the three-months ended September 30, 2015. The ESOP expense was $5,000 for the nine-months ended September 30, 2016 and $11,000 for the nine-months ended September 30, 2015. At September 30, 2016 and 2015, there were 44,539 and 54,412 shares, respectively, that had not been allocated under the ESOP.

10. Equity Incentive Plan

10. Equity Incentive Plan	9 Months Ended
	Sep. 30, 2016
Notes
10. Equity Incentive Plan	10. Equity Incentive Plan In 2012, the stockholders approved the Company’s 2012 Equity Incentive Plan (“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 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, 2014 84,000 $ 11.70 Forfeited (2,500) 14.35 Outstanding at September 30, 2015 81,500 $ 11.62 7.37 Outstanding at December 31, 2015 81,500 11.62 Exercised (1,000) 10.75 Outstanding at September 30, 2016 80,500 $ 11.63 6.38 Exercisable at September 30, 2016 10,000 $ 10.75 6.20 $ 92,500 At September 30, 2016, there was approximately $63,000 of unrecognized compensation expense related to non-vested stock options granted under the Plan. The cost is expected to be recognized over a weighted average period of thirty seven months. The total fair value of shares vesting and recognized as compensation expense was $12,000 for the three-months ended September 30, 2016 and $12,000 for the same period in 2015. The total fair value of shares vesting and recognized as compensation expense was $34,000 for the nine-months ended September 30, 2016 and 2015. The Plan also authorized the grant of up to 49,378 restricted common shares. The restricted shares awarded vest equally over five years from the date of grant. 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 $39,000 for the three-months ended September 30, 2016 and 2015. Compensation expense for restricted stock totaled $118,000 for the nine-months ended September 30, 2016 and $116,000 for the nine-months ended September 30, 2015. The income tax benefit recognized was $15,000 for the three months ended September 30, 2016 and 2015 and $45,000 for the nine-months ended September 30, 2016 and 2015. A summary of the status of the Company's restricted stock and changes during the periods then ended are presented below: Weighted- Average Number of Grant-Date Shares Fair Value Outstanding at December 31, 2014 38,000 $ 16.91 Vested shares (800) 18.25 Outstanding at September 30, 2015 37,200 $ 16.91 Outstanding at December 31, 2015 28,700 $ 16.92 Vested shares (800) 18.25 Outstanding at September 30, 2016 27,900 $ 16.88 Total unrecognized compensation cost related to these non-vested restricted stock amounted to approximately $340,000 at September 30, 2016. This cost is expected to be recognized monthly over the related vesting period using the straight-line method through 2019.

11. Fair Value Measurements

11. Fair Value Measurements	9 Months Ended
	Sep. 30, 2016
Notes
11. Fair Value Measurements	11. 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 are as follows (in thousands): Losses Recorded Fair Total During the Value Level 1 Level 2 Level 3 Losses Period At September 30, 2016: One-to four-family $ 576 - - 576 45 - Home equity 37 - - 37 28 - Total $ 613 - - 613 73 - At December 31, 2015: One-to four-family $ 754 - - 754 69 - Home equity 16 - - 16 5 - Total $ 770 - - 770 74 - Foreclosed real estate is recorded at fair value less estimated costs to sell. Foreclosed real estate which is measured at fair value on a nonrecurring basis 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 Period At September 30, 2016: Foreclosed real estate $ 426 - - 426 130 27 At December 31, 2015: Foreclosed real estate $ 433 - - 433 103 -

12. Regulatory Matters

12. Regulatory Matters	9 Months Ended
	Sep. 30, 2016
Notes
12. Regulatory Matters	12. Regulatory Matters On September 30, 2016, the Bank was subject to minimum capital requirements imposed by the Federal Deposit Insurance Corporation. Capital adequacy requirements are quantitative measures established by regulation that require the Bank to maintain minimum amounts and ratios of capital. At September 30, 2016, the Bank exceeded all regulatory capital requirements. Consistent with its goals to operate a sound and profitable organization, the Bank’s policy is to maintain a “well-capitalized” status under the capital categories. Based on capital levels at September 30, 2016, the Bank was considered to be well-capitalized. The Bank's actual regulatory capital amounts and percentages are presented in the table ($ in thousands). Minimum To Be Well Minimum Capitalized Under For Capital Adequacy Prompt and Corrective Actual Purposes Action Provisions Amount % Amount % Amount % At September 30, 2016: Total Capital to Risk- Weighted Assets $ 19,241 15.96% $ 9,643 8.00% $ 12,053 10.00% Tier I Capital to Risk- Weighted Assets 18,349 15.22 7,232 6.00 9,643 8.00 Tier I Capital to Total Assets 18,349 11.76 6,242 4.00 7,802 5.00 Common equity Tier 1 Capital to Risk-Weighted Assets 18,349 15.22 5,424 4.50 7,835 6.50 At December 31, 2015: Total Capital to Risk- Weighted Assets $ 19,117 17.03% $ 8,978 8.00% $ 11,222 10.00% Tier I Capital to Risk- Weighted Assets 18,222 16.24 6,733 6.00 8,978 8.00 Tier I Capital to Total Assets 18,222 12.56 5,803 4.00 7,253 5.00 Common equity Tier 1 Capital to Risk-Weighted Assets 18,222 16.24 5,050 4.50 7,295 6.50 In addition to the minimum Common Equity Tier 1 (“CET-1”), Tier 1 and Total Capital ratios, the Bank has to maintain a capital conservation buffer consisting of additional CET-1 capital equal above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained earnings that could be utilized for such actions. This new capital conservation buffer requirement began to be phased in starting in January 2016 at 0.625% of risk-weighted assets and will increase each year to an amount equal to 2.5% of risk-weighted assets when fully implemented in January 2019. For a bank holding company with less than $1.0 billion in assets, the capital guidelines apply on a bank only basis and the Federal Reserve expects the holding company's subsidiary banks to be well capitalized under the prompt corrective action regulations. If the Company was subject to regulatory guidelines for bank holding companies with $1.0 billion or more in assets, at September 30, 2016 the Company would have exceeded all regulatory capital requirements.

1. Organization and Basis of 19

1. Organization and Basis of Presentation: Business Description and Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Business Description and Accounting Policies	Sunshine Financial, Inc. ("Sunshine Financial" or the "Holding Company"), a Maryland corporation, is the holding company for Sunshine Community Bank (the "Bank") and owns all the outstanding common stock of the Bank. Sunshine Community Bank and its holding company, Sunshine Financial, Inc. announced July 11, 2016 that the Bank completed its conversion from a federal savings bank charter to a Florida state bank charter effective July 1, 2016. As a result of the charter conversion, the Bank’s legal name changed to Sunshine Community Bank. The changes had no effect on bank products or services, and deposits remain insured through the Federal Deposit Insurance Corporation. As a Florida-chartered financial institution, the Florida Office of Financial Regulation is the primary regulator for the Bank. Sunshine Community Bank is also regulated by the Federal Deposit Insurance Corporation. Sunshine Financial, Inc. continues to be regulated by the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Holding Company's only business is the operation of the Bank. The Bank, through its six 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. which was established to sell automobile warranty, credit life and disability insurance products associated with loan products. Collectively the entities are referred to as the "Company." These condensed consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and Article 8-03 of Regulation S-X and do not include all disclosures required by accounting principles generally accepted in the United States of America ("GAAP") for a complete presentation of the Company's consolidated financial condition and results of operations. It is recommended that these unaudited condensed consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's annual report on Form 10-K for the year ended December 31, 2015 filed with the U.S. Securities and Exchange Commission ("SEC") on March 29, 2016. In the opinion of management, the information reflects all adjustments (consisting only of normal recurring adjustments) which are necessary in order to make the financial statements not misleading and for a fair representation of the results of operations for such periods. The results for the three- and nine-month periods ended September 30, 2016 should not be considered as indicative of results for a full year, or any other future period. The preparation of financial statements, in conformity with GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to change in the near term are determining the allowance for loan losses, accounting for deferred income taxes as well as the valuation of foreclosed real estate.

3. Earnings (loss) Per Share_ E

3. Earnings (loss) Per Share: Earnings Per Share, Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Earnings Per Share, Policy	Earnings (loss) per share ("EPS") has been computed on the basis of the weighted-average number of shares of common stock outstanding. For the three-months ended September 30, 2016, the outstanding stock options are considered dilutive securities for purposes of calculating diluted EPS which was computed using the treasury stock method. For the three-months ended September 30, 2015 and the nine-months ended September 30, 2015 and 2016, the 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 ($ in thousands, except per share amounts):

5. Loans_ Real Estate Mortgage

5. Loans: Real Estate Mortgage Loans Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Real Estate Mortgage Loans Policy	Real Estate Mortgage Loans.

5. Loans_ Commercial Loan Polic

5. Loans: Commercial Loan Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Commercial Loan Policy	Commercial Loans.

5. Loans_ Consumer Loans Policy

5. Loans: Consumer Loans Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Consumer Loans Policy	Consumer Loans.

5. Loans_ Internal Loan Grade P

5. Loans: Internal Loan Grade Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Internal Loan Grade Policy	Internally assigned loan grades are defined as follows: Pass Special Mention Substandard Doubtful Loss

7. Off-balance-sheet Financia25

7. Off-balance-sheet Financial Instruments: Off-Balance-Sheet Credit Exposure, Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Off-Balance-Sheet Credit Exposure, Policy	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 commitments to extend 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 and commitments to extend 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.

10. Equity Incentive Plan_ Shar

10. Equity Incentive Plan: Share-based Compensation, Option and Incentive Plans Policy (Policies)	9 Months Ended
	Sep. 30, 2016
Policies
Share-based Compensation, Option and Incentive Plans Policy	In 2012, the stockholders approved the Company’s 2012 Equity Incentive Plan (“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 year terms and vest from one to five years. A summary of the activity in the Company's stock options is as follows:

3. Earnings (loss) Per Share_ S

3. Earnings (loss) Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Earnings Per Share, Basic and Diluted	2016 2015 Weighted- Per Weighted- Per Average Share Average Share Earnings Shares Amount Earnings Shares Amount Three-Months Ended September 30: Basic EPS: Net earnings (loss) $ 35 944,569 $ 0.04 $ (121) 987,627 $ ( 0.12) Effect of dilutive securities: Incremental shares from assumed conversion of options and restricted stock awards 32,921 - Diluted EPS: Net earnings (loss) $ 35 977,490 $ 0.04 $ (121) 987,627 $ ( 0.12) 2016 2015 Weighted- Per Weighted- Per Average Share Average Share Earnings Shares Amount Earnings Shares Amount Nine-Months Ended September 30: Basic EPS: Net loss $ (50) 942,100 $ (0.05) $ (68) 987,445 $ ( 0.07) Diluted EPS: Net loss $ (50) 942,100 $ ( 0.05) $ (68) 987,445 $ ( 0.07)

4. Securities Held To Maturity_

4. Securities Held To Maturity: Schedule of held to maturity securities carrying amount and fair value (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of held to maturity securities carrying amount and fair value	Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value At September 30, 2016 Agency mortgage-backed securities $ 781 36 - 817 Agency collateralized mortgage obligations 16,917 208 (55) 17,070 Total $ 17,698 244 (55) 17,887 At December 31, 2015 Agency mortgage-backed securities 1,086 42 - 1,128 Agency collateralized mortgage obligations 19,977 27 ( 278 19,726 Total $ 21,063 69 ( 278 20,854

4. Securities Held To Maturit29

4. Securities Held To Maturity: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	Less than Twelve Months Twelve Months or Longer Gross Gross Unrealized Fair Unrealized Fair Losses Value Losses Value At September 30, 2016: Agency Collateralized mortgage obligations $ - - (55) 4,396 At December 31, 2015: Agency Collateralized mortgage obligations $ (94) 8,332 (184) 5,839

5. Loans_ Schedule of Accounts,

5. Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Accounts, Notes, Loans and Financing Receivable	September 30, December 31, 2016 2015 Real estate mortgage loans: One-to four-family $ 52,603 46,293 Commercial real estate 48,650 43,419 Construction and lot 3,747 5,175 Total real estate loans 105,000 94,887 Commercial loans 1,780 1,177 Consumer loans: Home equity 7,152 7,609 Automobile 3,234 3,321 Credit cards and unsecured 5,810 6,100 Other 1,232 1,312 Total consumer loans 17,428 18,342 Total loans 124,208 114,406 Add (deduct) Loans in process 165 43 Deferred fees and discounts (42) (132) Allowance for loan losses (892 (895 Total loans, net $ 123,439 113,422

5. Loans_ Schedule of Changes i

5. Loans: Schedule of Changes in Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Changes in Allowance for Loan Losses	An analysis of the change in the allowance for loan losses for the periods indicated, is as follows (in thousands): Real Estate Commercial Consumer Loans Loans Loans Unallocated Total Three-Months Ended September 30, 2016: Beginning balance $ 481 27 356 61 925 Provision (credit) for loan loss 59 14 33 (61) 45 Charge-offs (53) - (42) - (95) Recoveries 9 - 8 - 17 Ending balance $ 496 41 355 - 892 Three-Months Ended September 30, 2015: Beginning balance $ 515 13 379 1 908 Provision (credit) for loan loss 5 1 40 (1) 45 Charge-offs (5) - (64) - (69) Recoveries 1 - 25 - 26 Ending balance $ 516 14 380 - 910 Nine-Months Ended September 30, 2016: Beginning balance $ 503 10 381 1 895 Provision (credit) for loan loss 46 31 59 (1) 135 Charge-offs (67) - (132) - (199) Recoveries 14 - 47 - 61 Ending balance $ 496 41 355 - 892 Nine -Months Ended September 30, 2015: Beginning balance $ 708 10 296 73 1,087 Provision (credit) for loan loss (198) 4 392 (73) 125 Charge-offs (5) - (372) - (377) Recoveries 11 - 64 - 75 Ending balance $ 516 14 380 - 910 At September 30, 2016: Individually evaluated for impairment: Recorded investment $ 2,571 - 179 - 2,750 Balance in allowance for loan losses $ 45 - 28 - 73 Collectively evaluated for impairment: Recorded investment $ 102,429 1,780 17,249 - 121,458 Balance in allowance for loan losses $ 451 41 327 - 819 At December 31, 2015: Individually evaluated for impairment: Recorded investment $ 2,728 - 221 - 2,949 Balance in allowance for loan losses $ 73 - 33 - 106 Collectively evaluated for impairment: Recorded investment $ 92,159 1,177 18,121 - 111,457 Balance in allowance for loan losses $ 430 10 348 1 789

5. Loans_ Financing Receivable

5. Loans: Financing Receivable Credit Quality Indicators (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Financing Receivable Credit Quality Indicators	Credit Risk Profile by Internally One to Four Commercial Real Constru- ction and Comme- Home Auto- Credit Cards and Assigned Grade: Family Estate Lot rcial Equity mobile Unsecured Other Total At September 30, 2016: Grade: Pass $ 49,961 48,650 3,702 1,780 6,743 3,208 5,767 1,149 120,960 Special mention 89 - 28 - 76 4 8 - 205 Substandard 2,553 - 17 - 333 22 35 83 3,043 Doubtful - - - - - - - - - Loss - - - - - - - - - Total $ 52,603 48,650 3,747 1,780 7,152 3,234 5,810 1,232 124,208 At December 31, 2015: Grade: Pass 41,995 43,419 5,154 1,177 7,221 3,311 6,068 1,228 109,573 Special mention 419 - 21 - 23 - - 1 464 Substandard 3,879 - - - 365 10 32 83 4,369 Doubtful - - - - - - - - - Loss - - - - - - - - - Total $ 46,293 43,419 5,175 1,177 7,609 3,321 6,100 1,312 114,406

5. Loans_ Schedule of Past Due

5. Loans: Schedule of Past Due Loans Age Analysis (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Past Due Loans Age Analysis	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 September 30, 2016: Real estate loans: One-to four-family $ 522 182 - 704 50,582 1,317 52,603 Commercial real estate - - - - 48,650 - 48,650 Construction and lot 61 - - 61 3,686 - 3,747 Commercial loans - - - - 1,781 - 1,781 Consumer loans: Home equity 37 76 - 113 6,811 228 7,152 Automobile 4 - - 4 3,208 22 3,234 Credit cards and unsecured 12 188 18 218 5,557 35 5,810 Other 7 - - 7 1,142 82 1,231 Total $ 643 446 18 1,107 121,417 1,684 124,208 At December 31, 2015: Real estate loans: One-to four-family 698 419 - 1,117 43,832 1,344 46,293 Commercial real estate - - - - 43,419 - 43,419 Construction and lot - 21 - 21 5,154 - 5,175 Commercial loans - - - - 1,177 - 1,177 Consumer loans: Home equity 77 51 - 128 7,192 289 7,609 Automobile 22 - - 22 3,289 10 3,321 Credit cards and unsecured 54 - 7 61 6,007 32 6,100 Other 4 1 - 5 1,224 83 1,312 Total $ 855 492 7 1,354 111,294 1,758 114,406

5. Loans_ Schedule of Impaired

5. Loans: Schedule of Impaired Loans (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Impaired Loans	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 September 30, 2016: Real estate loans: One-to four-family $ 1,995 2,047 576 593 45 2,571 2,640 45 Consumer loans: Home equity 142 157 37 46 28 179 203 28 $ 2,137 2,204 613 639 73 2,750 2,843 73 At December 31, 2015: Real estate loans: One-to four-family $ 1,552 1,604 1,176 1,193 73 2,728 2,797 73 Consumer loans: Home equity 56 71 165 174 33 221 245 33 $ 1,608 1,675 1,341 1,367 106 2,949 3,042 106

5. Loans_ Schedule of Investmen

5. Loans: Schedule of Investment in Impaired Loans and Interest Income Recognized and Received (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Investment in Impaired Loans and Interest Income Recognized and Received	Three-Months Ended September 30, 2016 2015 Average Interest Interest Average Interest Interest Recorded Income Income Recorded Income Income Investment Recognized Received Investment Recognized Received Residential estate loans: One-to-four family $ 2,578 34 36 2,711 35 36 Consumer loans: Home equity 181 3 2 265 3 4 Total $ 2,759 37 38 $ 2,976 38 40 Nine-Months Ended September 30, 2016 2015 Average Interest Interest Average Interest Interest Recorded Income Income Recorded Income Income Investment Recognized Received Investment Recognized Received Residential estate loans: One-to-four family $ 2,587 110 113 2,742 92 93 Consumer loans: Home equity 184 10 10 271 9 10 Total $ 2,771 120 123 $ 3,013 101 103

7. Off-balance-sheet Financia36

7. Off-balance-sheet Financial Instruments: Schedule of Fair Value, Off-balance Sheet Risks (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Fair Value, Off-balance Sheet Risks	Contract Amount Unused lines of credit $ 19,525 Commitments to extend credit $ 276

8. Fair Value of Financial In37

8. Fair Value of Financial Instruments: Schedule of Financial Instruments Fair Value (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Financial Instruments Fair Value	At September 30, 2016 At December 31, 2015 Carrying Fair Carrying Fair Amount Value Level Amount Value Level Financial assets: Cash and cash equivalents $ 13,797 13,797 1 10,862 10,862 1 Securities held to maturity 17,698 17,887 2 21,063 20,854 2 Loans 123,439 123,886 3 113,422 113,558 3 Federal Home Loan Bank stock 376 376 3 348 348 3 Accrued interest receivable 367 367 3 322 322 3 Financial liabilities: Deposits 138,619 134,946 3 130,470 126,230 3 Federal Home Loan Bank advances 5,500 5,500 3 5,000 5,000 3 Off-balance-sheet financial instruments - - 3 - - 3

10. Equity Incentive Plan_ Sche

10. Equity Incentive Plan: Schedule of Equity Incentive Plan Stock Options (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Equity Incentive Plan Stock Options	Weighted- Weighted- Average Average Remaining Aggregate Number of Exercise Contractual Intrinsic Options Price Term Value Outstanding at December 31, 2014 84,000 $ 11.70 Forfeited (2,500) 14.35 Outstanding at September 30, 2015 81,500 $ 11.62 7.37 Outstanding at December 31, 2015 81,500 11.62 Exercised (1,000) 10.75 Outstanding at September 30, 2016 80,500 $ 11.63 6.38 Exercisable at September 30, 2016 10,000 $ 10.75 6.20 $ 92,500

10. Equity Incentive Plan_ Sc39

10. Equity Incentive Plan: Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity (Tables)	9 Months Ended
	Sep. 30, 2016
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 periods then ended are presented below: Weighted- Average Number of Grant-Date Shares Fair Value Outstanding at December 31, 2014 38,000 $ 16.91 Vested shares (800) 18.25 Outstanding at September 30, 2015 37,200 $ 16.91 Outstanding at December 31, 2015 28,700 $ 16.92 Vested shares (800) 18.25 Outstanding at September 30, 2016 27,900 $ 16.88

11. Fair Value Measurements_ Sc

11. Fair Value Measurements: Schedule Of Impaired Collateral Dependent Loans Measured At Fair Value On Nonrecurring Basis (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule Of Impaired Collateral Dependent Loans Measured At Fair Value On Nonrecurring Basis	Losses Recorded Fair Total During the Value Level 1 Level 2 Level 3 Losses Period At September 30, 2016: One-to four-family $ 576 - - 576 45 - Home equity 37 - - 37 28 - Total $ 613 - - 613 73 - At December 31, 2015: One-to four-family $ 754 - - 754 69 - Home equity 16 - - 16 5 - Total $ 770 - - 770 74 -

11. Fair Value Measurements_ 41

11. Fair Value Measurements: Schedule of Foreclosed Real Estate Measured at Fair Value on Nonrecurring Basis (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Foreclosed Real Estate Measured at Fair Value on Nonrecurring Basis	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 Period At September 30, 2016: Foreclosed real estate $ 426 - - 426 130 27 At December 31, 2015: Foreclosed real estate $ 433 - - 433 103 -

12. Regulatory Matters_ Schedul

12. Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)	9 Months Ended
	Sep. 30, 2016
Tables/Schedules
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The Bank's actual regulatory capital amounts and percentages are presented in the table ($ in thousands). Minimum To Be Well Minimum Capitalized Under For Capital Adequacy Prompt and Corrective Actual Purposes Action Provisions Amount % Amount % Amount % At September 30, 2016: Total Capital to Risk- Weighted Assets $ 19,241 15.96% $ 9,643 8.00% $ 12,053 10.00% Tier I Capital to Risk- Weighted Assets 18,349 15.22 7,232 6.00 9,643 8.00 Tier I Capital to Total Assets 18,349 11.76 6,242 4.00 7,802 5.00 Common equity Tier 1 Capital to Risk-Weighted Assets 18,349 15.22 5,424 4.50 7,835 6.50 At December 31, 2015: Total Capital to Risk- Weighted Assets $ 19,117 17.03% $ 8,978 8.00% $ 11,222 10.00% Tier I Capital to Risk- Weighted Assets 18,222 16.24 6,733 6.00 8,978 8.00 Tier I Capital to Total Assets 18,222 12.56 5,803 4.00 7,253 5.00 Common equity Tier 1 Capital to Risk-Weighted Assets 18,222 16.24 5,050 4.50 7,295 6.50

1. Organization and Basis of 43

1. Organization and Basis of Presentation: Business Description and Accounting Policies (Details)	9 Months Ended
	Sep. 30, 2016
Details
Entity Incorporation, State Country Name	Maryland corporation

3. Earnings (loss) Per Share_44

3. Earnings (loss) Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Basic EPS | Net earnings (loss)
Earnings (Loss) Per Share Income	$ 35	$ (121)	$ (50)	$ (68)
Weighted Average Number of Shares Issued, Basic	944,569	987,627	942,100	987,445
Per Share Amount	$ 0.04	$ (0.12)	$ (0.05)	$ (0.07)
Effect of dilutive securities | Incremental shares from assumed conversion of options (antidilutive in 2012)
Weighted Average Number of Shares Issued, Basic	32,921
Diluted EPS | Net earnings (loss)
Earnings (Loss) Per Share Income	$ 35	$ (121)	$ (50)	$ (68)
Weighted Average Number of Shares Issued, Basic	977,490	987,627	942,100	987,445
Per Share Amount	$ 0.04	$ (0.12)	$ (0.05)	$ (0.07)

4. Securities Held To Maturit45

4. Securities Held To Maturity: Schedule of held to maturity securities carrying amount and fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Securities held to maturity fair value	$ 17,887	$ 20,854
Held-to-maturity Securities
Held to Maturity Securities Amortized Cost	17,698	21,063
Held to Maturity Securities Gross Unrealized Gains	244	69
Held to Maturity Securities Gross Unrealized Losses	(55)	(278)
Securities held to maturity fair value	17,887	20,854
Collateralized Mortgage Backed Securities
Held to Maturity Securities Amortized Cost	781	1,086
Held to Maturity Securities Gross Unrealized Gains	36	42
Securities held to maturity fair value	817	1,128
Collateralized Mortgage Obligations
Held to Maturity Securities Amortized Cost	16,917	19,977
Held to Maturity Securities Gross Unrealized Gains	208	27
Held to Maturity Securities Gross Unrealized Losses	(55)	(278)
Securities held to maturity fair value	$ 17,070	$ 19,726

4. Securities Held To Maturity

4. Securities Held To Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Details
Held-to-maturity Securities Pledged as Collateral	$ 0	$ 0

4. Securities Held To Maturit47

4. Securities Held To Maturity: Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value (Details) - Collateralized Mortgage Obligations - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss		$ (94)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value		8,332
Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ (55)	(184)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	$ 4,396	$ 5,839

5. Loans_ Schedule of Account48

5. Loans: Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Commercial Loan
Loans and Financing Receivables	$ 1,780	$ 1,177
Home Equity Line of Credit
Loans and Financing Receivables	7,152	7,609
Automobile Loan
Loans and Financing Receivables	3,234	3,321
Credit Card Receivable
Loans and Financing Receivables	5,810	6,100
Consumer Other
Loans and Financing Receivables	1,232	1,312
Consumer Loan
Loans and Financing Receivables	17,428	18,342
LoansReceivableGrossMember
Loans and Financing Receivables	124,208	114,406
Loans in process
Loans and Financing Receivables	165	43
Deferred fees and discounts
Loans and Financing Receivables	(42)	(132)
Allowance for Notes Receivable
Loans and Financing Receivables	(892)	(895)
LoansReceivableNetMember
Loans and Financing Receivables	123,439	113,422
Real Estate Loan | One To Four Family
Loans and Financing Receivables	52,603	46,293
Real Estate Loan | Commercial Real Estate
Loans and Financing Receivables	48,650	43,419
Real Estate Loan | Construction Loans
Loans and Financing Receivables	3,747	5,175
Real Estate Loan | Real Estate Total
Loans and Financing Receivables	$ 105,000	$ 94,887

5. Loans_ Schedule of Changes49

5. Loans: Schedule of Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Commercial Loan
Provision (credit) for loan losses	$ 14	$ 1	$ 31	$ 4
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	1,780		1,780		$ 1,177
Financing Receivables After Collectively Evaluated for Impairment	41		41		10
Commercial Loan | Beginning Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	27	13	10	10
Commercial Loan | Ending Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	41	14	41	14
Consumer Loan
Provision (credit) for loan losses	33	40	59	392
Allowance for Doubtful Accounts Receivable, Write-offs	(42)	(64)	(132)	(372)
Allowance for Doubtful Accounts Receivable, Recoveries	8	25	47	64
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	179		179		221
Financing Receivables After Individually Evaluated for Impairment	28		28		33
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	17,249		17,249		18,121
Financing Receivables After Collectively Evaluated for Impairment	327		327		348
Consumer Loan | Beginning Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	356	379	381	296
Consumer Loan | Ending Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	355	380	355	380
Unallocated Financing Receivables
Provision (credit) for loan losses	(61)	(1)	(1)	(73)
Financing Receivables After Collectively Evaluated for Impairment					1
Unallocated Financing Receivables | Beginning Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	61	1	1	73
Financing Receivable
Provision (credit) for loan losses	45	45	135	125
Allowance for Doubtful Accounts Receivable, Write-offs	(95)	(69)	(199)	(377)
Allowance for Doubtful Accounts Receivable, Recoveries	17	26	61	75
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	2,750		2,750		2,949
Financing Receivables After Individually Evaluated for Impairment	73		73		106
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	121,458		121,458		111,457
Financing Receivables After Collectively Evaluated for Impairment	819		819		789
Financing Receivable | Beginning Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	925	908	895	1,087
Financing Receivable | Ending Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	892	910	892	910
Real Estate Loan
Provision (credit) for loan losses	59	5	46	(198)
Allowance for Doubtful Accounts Receivable, Write-offs	(53)	(5)	(67)	(5)
Allowance for Doubtful Accounts Receivable, Recoveries	9	1	14	11
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment	2,571		2,571		2,728
Financing Receivables After Individually Evaluated for Impairment	45		45		73
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	102,429		102,429		92,159
Financing Receivables After Collectively Evaluated for Impairment	451		451		$ 430
Real Estate Loan | Beginning Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	481	515	503	708
Real Estate Loan | Ending Balance
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method	$ 496	$ 516	$ 496	$ 516

5. Loans_ Financing Receivabl50

5. Loans: Financing Receivable Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Commercial Loan | Pass
Receivables Credit Quality	$ 1,780	$ 1,177
Commercial Loan | Total Credit Risk
Receivables Credit Quality	1,780	1,177
Home Equity Line of Credit | Pass
Receivables Credit Quality	6,743	7,221
Home Equity Line of Credit | Special Mention
Receivables Credit Quality	76	23
Home Equity Line of Credit | Substandard
Receivables Credit Quality	333	365
Home Equity Line of Credit | Total Credit Risk
Receivables Credit Quality	7,152	7,609
Automobile Loan | Pass
Receivables Credit Quality	3,208	3,311
Automobile Loan | Special Mention
Receivables Credit Quality	4
Automobile Loan | Substandard
Receivables Credit Quality	22	10
Automobile Loan | Total Credit Risk
Receivables Credit Quality	3,234	3,321
Credit Card Receivable | Pass
Receivables Credit Quality	5,767	6,068
Credit Card Receivable | Special Mention
Receivables Credit Quality	8
Credit Card Receivable | Substandard
Receivables Credit Quality	35	32
Credit Card Receivable | Total Credit Risk
Receivables Credit Quality	5,810	6,100
Consumer Other | Pass
Receivables Credit Quality	1,149	1,228
Consumer Other | Special Mention
Receivables Credit Quality		1
Consumer Other | Substandard
Receivables Credit Quality	83	83
Consumer Other | Total Credit Risk
Receivables Credit Quality	1,232	1,312
Financing Receivable | Pass
Receivables Credit Quality	120,960	109,573
Financing Receivable | Special Mention
Receivables Credit Quality	205	464
Financing Receivable | Substandard
Receivables Credit Quality	3,043	4,369
Financing Receivable | Total Credit Risk
Receivables Credit Quality	124,208	114,406
Real Estate Loan | One To Four Family | Pass
Receivables Credit Quality	49,961	41,995
Real Estate Loan | One To Four Family | Special Mention
Receivables Credit Quality	89	419
Real Estate Loan | One To Four Family | Substandard
Receivables Credit Quality	2,553	3,879
Real Estate Loan | One To Four Family | Total Credit Risk
Receivables Credit Quality	52,603	46,293
Real Estate Loan | Commercial Real Estate | Pass
Receivables Credit Quality	48,650	43,419
Real Estate Loan | Commercial Real Estate | Total Credit Risk
Receivables Credit Quality	48,650	43,419
Real Estate Loan | Construction Loans | Pass
Receivables Credit Quality	3,702	5,154
Real Estate Loan | Construction Loans | Special Mention
Receivables Credit Quality	28	21
Real Estate Loan | Construction Loans | Substandard
Receivables Credit Quality	17
Real Estate Loan | Construction Loans | Total Credit Risk
Receivables Credit Quality	$ 3,747	$ 5,175

5. Loans_ Schedule of Past Du51

5. Loans: Schedule of Past Due Loans Age Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Commercial Loan
Financing Receivable, Recorded Investment, Current	$ 1,781	$ 1,177
Accounts, Notes, Loans and Financing Receivable, Net, Current	1,781	1,177
Home Equity Line of Credit
Financing Receivable Recorded Investment 30 to 59 Days Past Due	37	77
Financing Receivable Recorded Investment 60 to 89 Days Past Due	76	51
Financing Receivable, Recorded Investment, Past Due	113	128
Financing Receivable, Recorded Investment, Current	6,811	7,192
Financing Receivable, Recorded Investment, Nonaccrual Status	228	289
Accounts, Notes, Loans and Financing Receivable, Net, Current	7,152	7,609
Automobile Loan
Financing Receivable Recorded Investment 30 to 59 Days Past Due	4	22
Financing Receivable, Recorded Investment, Past Due	4	22
Financing Receivable, Recorded Investment, Current	3,208	3,289
Financing Receivable, Recorded Investment, Nonaccrual Status	22	10
Accounts, Notes, Loans and Financing Receivable, Net, Current	3,234	3,321
Credit Card Receivable
Financing Receivable Recorded Investment 30 to 59 Days Past Due	12	54
Financing Receivable Recorded Investment 60 to 89 Days Past Due	188
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	18	7
Financing Receivable, Recorded Investment, Past Due	218	61
Financing Receivable, Recorded Investment, Current	5,557	6,007
Financing Receivable, Recorded Investment, Nonaccrual Status	35	32
Accounts, Notes, Loans and Financing Receivable, Net, Current	5,810	6,100
Consumer Other
Financing Receivable Recorded Investment 30 to 59 Days Past Due	7	4
Financing Receivable Recorded Investment 60 to 89 Days Past Due		1
Financing Receivable, Recorded Investment, Past Due	7	5
Financing Receivable, Recorded Investment, Current	1,142	1,224
Financing Receivable, Recorded Investment, Nonaccrual Status	82	83
Accounts, Notes, Loans and Financing Receivable, Net, Current	1,231	1,312
Financing Receivable
Financing Receivable Recorded Investment 30 to 59 Days Past Due	643	855
Financing Receivable Recorded Investment 60 to 89 Days Past Due	446	492
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	18	7
Financing Receivable, Recorded Investment, Past Due	1,107	1,354
Financing Receivable, Recorded Investment, Current	121,417	111,294
Financing Receivable, Recorded Investment, Nonaccrual Status	1,684	1,758
Accounts, Notes, Loans and Financing Receivable, Net, Current	124,208	114,406
Real Estate Loan | One To Four Family
Financing Receivable Recorded Investment 30 to 59 Days Past Due	522	698
Financing Receivable Recorded Investment 60 to 89 Days Past Due	182	419
Financing Receivable, Recorded Investment, Past Due	704	1,117
Financing Receivable, Recorded Investment, Current	50,582	43,832
Financing Receivable, Recorded Investment, Nonaccrual Status	1,317	1,344
Accounts, Notes, Loans and Financing Receivable, Net, Current	52,603	46,293
Real Estate Loan | Commercial Real Estate
Financing Receivable, Recorded Investment, Current	48,650	43,419
Accounts, Notes, Loans and Financing Receivable, Net, Current	48,650	43,419
Real Estate Loan | Construction Loans
Financing Receivable Recorded Investment 30 to 59 Days Past Due	61
Financing Receivable Recorded Investment 60 to 89 Days Past Due		21
Financing Receivable, Recorded Investment, Past Due	61	21
Financing Receivable, Recorded Investment, Current	3,686	5,154
Accounts, Notes, Loans and Financing Receivable, Net, Current	$ 3,747	$ 5,175

5. Loans_ Schedule of Impaire52

5. Loans: Schedule of Impaired Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Home Equity Line of Credit
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	$ 142	$ 56
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	157	71
Impaired Financing Receivable, with Related Allowance, Recorded Investment	37	165
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	46	174
Impaired Financing Receivable With Related Allowance Related Allowance	28	33
Impaired Financing Receivable, Recorded Investment	179	221
Impaired Financing Receivable, Unpaid Principal Balance	203	245
Impaired Financing Receivable, Related Allowance	28	33
Impaired Financing Receivables
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	2,137	1,608
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	2,204	1,675
Impaired Financing Receivable, with Related Allowance, Recorded Investment	613	1,341
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	639	1,367
Impaired Financing Receivable With Related Allowance Related Allowance	73	106
Impaired Financing Receivable, Recorded Investment	2,750	2,949
Impaired Financing Receivable, Unpaid Principal Balance	2,843	3,042
Impaired Financing Receivable, Related Allowance	73	106
Real Estate Loan | One To Four Family
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,995	1,552
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	2,047	1,604
Impaired Financing Receivable, with Related Allowance, Recorded Investment	576	1,176
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	593	1,193
Impaired Financing Receivable With Related Allowance Related Allowance	45	73
Impaired Financing Receivable, Recorded Investment	2,571	2,728
Impaired Financing Receivable, Unpaid Principal Balance	2,640	2,797
Impaired Financing Receivable, Related Allowance	$ 45	$ 73

5. Loans_ Schedule of Investm53

5. Loans: Schedule of Investment in Impaired Loans and Interest Income Recognized and Received (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
One To Four Family
Impaired Financing Receivable, Average Recorded Investment	$ 2,578	$ 2,711	$ 2,587	$ 2,742
Impaired Financing Receivable Interest Income Recognized	34	35	110	92
Impaired Financing Receivable Interest Income Received	36	36	113	93
Home Equity Line of Credit
Impaired Financing Receivable, Average Recorded Investment	181	265	184	271
Impaired Financing Receivable Interest Income Recognized	3	3	10	9
Impaired Financing Receivable Interest Income Received	2	4	10	10
Impaired Financing Receivables
Impaired Financing Receivable, Average Recorded Investment	2,759	2,976	2,771	3,013
Impaired Financing Receivable Interest Income Recognized	37	38	120	101
Impaired Financing Receivable Interest Income Received	$ 38	$ 40	$ 123	$ 103

5. Loans (Details)

5. Loans (Details)	3 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Details
Financing Receivable, Modifications, Number of Contracts	0	0

6. Lines of Credit_ Line of Cre

6. Lines of Credit: Line of Credit (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Line of Credit Facility, Fair Value of Amount Outstanding	$ 5,500	$ 5,000
Federal Home Loan Bank, Advances, Interest Rate	0.40%	0.39%
Correspondent Bank
Lines of Credit, Fair Value Disclosure	$ 6,000
Federal Home Loan Bank of Atlanta
Lines of Credit, Fair Value Disclosure	$ 41,800

7. Off-balance-sheet Financia56

7. Off-balance-sheet Financial Instruments: Schedule of Fair Value, Off-balance Sheet Risks (Details) - Commitments to Extend Credit $ in Thousands	Sep. 30, 2016USD ($)
Unused Commitments to Extend Credit	$ 19,525
Long-term Line of Credit	$ 276

8. Fair Value of Financial In57

8. Fair Value of Financial Instruments: Schedule of Financial Instruments Fair Value (Details) $ in Thousands	Sep. 30, 2016USD ($)	Dec. 31, 2015USD ($)
Off balance sheet
Fair Value Hierarchy Level	3	3
Assets | Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 13,797	$ 10,862
Financial Instruments, Owned, at Fair Value	$ 13,797	$ 10,862
Fair Value Hierarchy Level	1	1
Assets | Held-to-maturity Securities
Financial Instruments Owned Carrying Amount	$ 17,698	$ 21,063
Financial Instruments, Owned, at Fair Value	$ 17,887	$ 20,854
Fair Value Hierarchy Level	2	2
Assets | Loans Receivable
Financial Instruments Owned Carrying Amount	$ 123,439	$ 113,422
Financial Instruments, Owned, at Fair Value	$ 123,886	$ 113,558
Fair Value Hierarchy Level	3	3
Assets | Investment in Federal Home Loan Bank Stock
Financial Instruments Owned Carrying Amount	$ 376	$ 348
Financial Instruments, Owned, at Fair Value	$ 376	$ 348
Fair Value Hierarchy Level	3	3
Assets | Accrued interest receivable
Financial Instruments Owned Carrying Amount	$ 367	$ 322
Financial Instruments, Owned, at Fair Value	$ 367	$ 322
Fair Value Hierarchy Level	3	3
Financial liabilities | Deposits
Financial Instruments Owned Carrying Amount	$ 138,619	$ 130,470
Financial Instruments, Owned, at Fair Value	$ 134,946	$ 126,230
Fair Value Hierarchy Level	3	3
Financial liabilities | Federal Home Loan Bank Advances
Financial Instruments Owned Carrying Amount	$ 5,500	$ 5,000
Financial Instruments, Owned, at Fair Value	$ 5,500	$ 5,000
Fair Value Hierarchy Level	3	3

9. Employee Stock Ownership P58

9. Employee Stock Ownership Plan (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Apr. 05, 2011
Details
Employee Stock Ownership Plan (ESOP), Shares in ESOP	98,756		98,756
Employee Stock Ownership Plan (ESOP), Debt Structure, Direct Loan, Amount					$ 988
Employee Stock Ownership Plan (ESOP) Interest Rate on Loan for Shares					4.25%
ESOP compensation expense	$ 1	$ 4	$ 5	$ 11
Employee Stock Ownership Plan (ESOP), Number of Suspense Shares	44,539	54,412	44,539	54,412

10. Equity Incentive Plan_ Sh59

10. Equity Incentive Plan: Share-based Compensation, Option and Incentive Plans Policy: 2012 Equity Incentive Plan Common Stock Options (Details)	May 23, 2012shares
Equity Incentive Plan -- 2012
Common Stock Options Authorized	123,445

10. Equity Incentive Plan_ Sc60

10. Equity Incentive Plan: Schedule of Equity Incentive Plan Stock Options (Details) $ / shares in Units, $ in Thousands	Sep. 30, 2016$ / sharesshares	Jun. 30, 2016USD ($)$ / sharesshares	Dec. 31, 2015$ / sharesshares	Jun. 30, 2015$ / sharesshares	Dec. 31, 2014$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares	(2,500)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares	$ 14.35
Options Outstanding
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares		80,500	81,500	81,500	84,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares		$ 11.63	$ 11.62	$ 11.62	$ 11.70
Share-based Compensation Arrangement by Share-based Payment Award, Weighted Average Remaining Contractual Term (In Years)		6.38		7.37
Options Exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares			(1,000)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares			$ 10.75
Options Exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number | shares		10,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price | $ / shares		$ 10.75
Share-based Compensation Arrangement by Share-based Payment Award, Weighted Average Remaining Contractual Term (In Years)		6.20
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value | $		$ 92,500

10. Equity Incentive Plan_ Equi

10. Equity Incentive Plan: Equity Incentive Plan Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Equity Incentive Plan Common Stock Expense Cost			The cost is expected to be recognized over a weighted average period of thirty seven months.
Stock based compensation expense			$ 152	$ 150
Equity Incentive Plan -- 2012
Stock based compensation expense	$ 12	$ 12

10. Equity Incentive Plan (Deta

10. Equity Incentive Plan (Details) - Equity Incentive Plan -- 2012 - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	May 23, 2012
Number of Restricted Stock Authorized					49,378
Compensation expense for restricted stock	$ 39	$ 39	$ 118	$ 116
Employee Service Share-based Compensation, Tax Benefit Realized from Exercise of Stock Options	$ 15	$ 15	$ 45	$ 45

10. Equity Incentive Plan_ Sc63

10. Equity Incentive Plan: Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity (Details) - Restricted Stock - $ / shares	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	(800)
Share based Compensation Arrangement By Share based Payment Award Options Weighted Average Grant Date Fair Value	$ 18.25
Restricted stock outstanding
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	27,900	28,700	37,200	38,000
Share based Compensation Arrangement By Share based Payment Award Options Weighted Average Grant Date Fair Value	$ 16.88	$ 16.92	$ 16.91	$ 16.91

10. Equity Incentive Plan_ Nonv

10. Equity Incentive Plan: Nonvested Restricted Stock Expense (Details) $ in Thousands	Sep. 30, 2016USD ($)
Equity Incentive Plan -- 2012
Unrecognized Compensation Expense Related to Nonvested Restricted Stock	$ 340

11. Fair Value Measurements_ 65

11. Fair Value Measurements: Schedule Of Impaired Collateral Dependent Loans Measured At Fair Value On Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Home Equity Line of Credit
Impaired Collateral Dependent Loans Fair Value	$ 37	$ 16
Impaired Collateral Dependent Loans, Total
Impaired Collateral Dependent Loans Fair Value	613	770
Real Estate Loan | One To Four Family
Impaired Collateral Dependent Loans Fair Value	$ 576	$ 754

11. Fair Value Measurements_ 66

11. Fair Value Measurements: Schedule of Foreclosed Real Estate Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Foreclosed real estate
Foreclosed real estate measured at fair value on nonrecurring basis	$ 426	$ 433

12. Regulatory Matters_ Sched67

12. Regulatory Matters: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Total Capital to Risk-Weighted Assets
Capital	$ 19,241	$ 19,117
Capital to Risk Weighted Assets	15.96%	17.03%
Capital Required for Capital Adequacy	$ 9,643	$ 8,978
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Capital Required to be Well Capitalized	$ 12,053	$ 11,222
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I Capital to Risk-Weighted Assets
Capital	$ 18,349	$ 18,222
Capital to Risk Weighted Assets	15.22%	16.24%
Capital Required for Capital Adequacy	$ 7,232	$ 6,733
Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Capital Required to be Well Capitalized	$ 9,643	$ 8,978
Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier I Capital to Total Assets
Capital	$ 18,349	$ 18,222
Capital to Risk Weighted Assets	11.76%	12.56%
Capital Required for Capital Adequacy	$ 6,242	$ 5,803
Capital Required for Capital Adequacy to Risk Weighted Assets	4.00%	4.00%
Capital Required to be Well Capitalized	$ 7,802	$ 7,253
Capital Required to be Well Capitalized to Risk Weighted Assets	5.00%	5.00%
Common equity Tier I Capital to Risk-Weighted Assets
Capital	$ 18,349	$ 18,222
Capital to Risk Weighted Assets	15.22%	16.24%
Capital Required for Capital Adequacy	$ 5,424	$ 5,050
Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital Required to be Well Capitalized	$ 7,835	$ 7,295
Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%