Fraternity Community Bancorp (FRTR) 10-Q 14 Nov 14 2014 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 10, 2014
Document Information [Line Items]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-14	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q3	'
Trading Symbol	'FRTR	'
Entity Registrant Name	'FRATERNITY COMMUNITY BANCORP INC	'
Entity Central Index Key	'0001503063	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	1,381,082

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Sep. 30, 2014	Dec. 31, 2013
Cash and cash equivalents:	'	'
Cash and due from banks	$873,104	$973,466
Interest-bearing deposits in other banks	12,562,897	14,378,207
Total cash and cash equivalents	13,436,001	15,351,673
Investment securities:	'	'
Available-for-sale - at fair value	14,580,128	16,354,661
Held-to-maturity - at amortized cost (fair value approximates $9,370,915 and $8,101,210, respectively)	9,225,102	8,069,424
Loans - net of allowance for loan losses of $1,850,000 and $1,528,000 (2014 and 2013, respectively)	115,540,724	114,577,707
Other real estate owned	22,500	1,921,706
Property and equipment, net	855,785	948,907
Federal Home Loan Bank stock - at cost - restricted	1,049,800	1,103,700
Ground rents - net of valuation allowance of $44,703 (2014 and 2013)	824,543	829,243
Accrued interest receivable	553,216	504,599
Investment in bank-owned life insurance	4,813,690	4,692,872
Deferred income taxes	1,320,585	1,384,832
Other assets	589,882	630,864
TOTAL ASSETS	162,811,956	166,370,188
Liabilities:	'	'
Deposits	113,880,110	118,100,920
Advances from the Federal Home Loan Bank	20,000,000	20,000,000
Advances by borrowers for taxes and insurance	806,657	658,173
Other liabilities	910,248	806,844
Total liabilities	135,597,015	139,565,937
Stockholders' Equity:	'	'
Preferred stock, $0.01 par value; authorized 1,000,000; none issued	0	0
Common stock, $0.01 par value; authorized 15,000,000; issued and outstanding, 1,381,082 shares at September 30, 2014 and 1,392,923 shares at December 31, 2013	13,811	13,929
Additional paid in capital	12,229,601	12,236,878
Retained earnings - substantially restricted	16,092,647	16,175,369
Unearned ESOP shares	-872,850	-952,200
Accumulated other comprehensive loss	-248,268	-669,725
Total stockholders' equity	27,214,941	26,804,251
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$162,811,956	$166,370,188

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Held-to-maturity - at amortized cost, fair value approximates	$9,370,915	$8,101,210
Loans, allowance for loan losses	1,850,000	1,528,000
Ground rents, valuation allowance	$44,703	$44,703
Preferred stock, par value	$0.01	$0.01
Preferred stock, authorized	1,000,000	1,000,000
Preferred stock, issued	'	'
Common stock, par value	$0.01	$0.01
Common stock, authorized	15,000,000	15,000,000
Common stock, issued	1,381,082	1,392,923
Common stock, outstanding	1,381,082	1,392,923

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest and fees on loans:	'	'	'	'
Real estate loans	$1,301,247	$1,421,045	$4,041,825	$4,228,071
Other loans	1,274	1,386	3,710	3,943
Interest and dividends on investments and bank deposits	169,907	168,833	533,891	516,772
Income from ground rents owned	17,179	8,949	37,297	33,252
Total interest income	1,489,607	1,600,213	4,616,723	4,782,038
INTEREST EXPENSE:	'	'	'	'
Interest on deposits	288,260	328,296	865,013	1,050,642
Interest on borrowings - short term	7,183	7,184	21,316	16,289
Interest on borrowings - long term	148,159	148,158	439,644	439,644
Total interest expense	443,602	483,638	1,325,973	1,506,575
NET INTEREST INCOME	1,046,005	1,116,575	3,290,750	3,275,463
PROVISION FOR LOAN LOSSES	319,551	143,299	225,120	131,407
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	726,454	973,276	3,065,630	3,144,056
NON-INTEREST INCOME:	'	'	'	'
Gain on sale of investment securities	1,828	0	1,828	43,335
Income on bank-owned life insurance	41,088	42,056	120,818	123,579
Gain on sale of loans	0	0	8,506	50,126
Other income / (expense)	-404	5,909	75,395	16,103
Total non-interest income	42,512	47,965	206,547	233,143
NON-INTEREST EXPENSES:	'	'	'	'
Salaries and employee benefits	593,375	628,365	1,840,599	1,717,219
Occupancy expenses	137,887	138,398	428,613	408,290
Legal fees	39,895	60,962	154,553	133,278
Federal Deposit Insurance premiums	26,245	34,469	87,196	104,850
Accounting and auditing expense	41,537	39,450	127,350	124,645
Data processing expense	112,451	99,208	345,523	312,119
Directors fees	36,556	53,008	109,168	100,817
Other general and administrative expenses	98,016	153,537	457,319	450,413
Total non-interest expenses	1,085,962	1,207,397	3,550,321	3,351,631
(LOSS) INCOME BEFORE INCOME TAX BENEFIT	-316,996	-186,156	-278,144	25,568
INCOME TAX BENEFIT	-172,178	-95,027	-195,422	-51,274
NET (LOSS) INCOME	($144,818)	($91,129)	($82,722)	$76,842
(LOSS) EARNINGS PER COMMON SHARE - BASIC	($0.10)	($0.07)	($0.06)	$0.06
(LOSS) EARNINGS PER COMMON SHARE - DILUTED	($0.10)	($0.07)	($0.06)	$0.06

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Net (Loss) Income	($144,818)	($91,129)	($82,722)	$76,842
Unrealized gains (losses) on available-for-sale securities:	'	'	'	'
Unrealized holding gains (losses) arising during the period	45,173	-147,330	704,257	-990,567
Less: income taxes on unrealized gains (losses) arising during the period	-18,069	58,932	-281,703	396,227
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Total	27,104	-88,398	422,554	-594,340
Less: Reclassification adjustment for realized gains	-1,828	0	-1,828	-43,335
Income taxes on reclassification adjustment	731	0	731	17,334
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax	-1,097	0	-1,097	-26,001
OTHER COMPREHENSIVE INCOME (LOSS)	26,007	-88,398	421,457	-620,341
COMPREHENSIVE (LOSS) INCOME	($118,811)	($179,527)	$338,735	($543,499)

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock	Additional Paid In Capital	Retained Earnings	Unearned ESOP Shares	Accumulated Other Comprehensive Income (Loss)
Beginning Balance at Dec. 31, 2012	$29,282,667	$15,061	$13,965,375	$16,285,930	($1,058,000)	$74,301
Net (Loss) Income	76,842	0	0	76,842	0	0
Other comprehensive income (loss)	-620,341	0	0	0	0	-620,341
Restricted Stock Awards, net of repurchases $25,364 and $0 for 2013 and 2014	79,849	303	79,546	0	0	0
Common stock repurchased	-1,497,440	-1,103	-1,496,337	0	0	0
ESOP shares released or committed for release	107,810	0	28,460	0	79,350	0
Ending Balance at Sep. 30, 2013	27,429,387	14,261	12,577,044	16,362,772	-978,650	-546,040
Beginning Balance at Dec. 31, 2013	26,804,251	13,929	12,236,878	16,175,369	-952,200	-669,725
Net (Loss) Income	-82,722	0	0	-82,722	0	0
Other comprehensive income (loss)	421,457	0	0	0	0	421,457
Restricted Stock Awards, net of repurchases $25,364 and $0 for 2013 and 2014	78,906	0	78,906	0	0	0
Stock Based Compensation	54,940	0	54,940	0	0	0
Common stock repurchased	-178,826	-118	-178,708	0	0	0
ESOP shares released or committed for release	116,935	0	37,585	0	79,350	0
Ending Balance at Sep. 30, 2014	$27,214,941	$13,811	$12,229,601	$16,092,647	($872,850)	($248,268)

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Restricted Stock Awards, repurchases	$178,826	$1,497,440
Restricted Stock	'	'
Restricted Stock Awards, repurchases	$0	$25,364

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:	'	'
Net (Loss) Income	($82,722)	$76,842
Adjustments to reconcile net (loss) income provided by operating activities:	'	'
Depreciation	87,344	78,502
Gain on sale of available-for-sale securities	-1,828	-43,335
Gain on sale of other real estate owned	-41,638	0
Gain on sale of loans	-8,506	-50,126
Origination of loans held for sale	-528,000	-2,277,084
Proceeds from sale of loans held for sale	536,506	2,327,210
Amortization/accretion of premium/discount	103,606	-93,699
Increase in value of bank-owned life insurance	-120,818	-123,579
Decrease in valuation of other real estate owned	100,000	0
Stock based compensation	133,846	105,213
Stock based compensation (ESOP)	116,935	107,810
Deferred income taxes	-195,422	0
PROVISION FOR LOAN LOSSES	225,120	131,407
Changes in operating assets and liabilities:	'	'
Accrued interest receivable and other assets	9,773	10,386
Other liabilities	103,404	53,539
Net cash provided by operating activities	437,600	303,086
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Net increase in loans	-1,598,536	-1,754,959
Redemption of ground rents	4,700	12,500
Acquisition of property and equipment	-11,631	-243,981
Increase in value of other real estate owned	0	-101,198
Purchase of:	'	'
Investment securities available-for-sale	0	-6,503,794
Investment securities held-to-maturity	-1,456,423	0
Proceeds from:	'	'
Sales and maturities of investment securities available-for-sale	1,423,291	5,222,745
Principal paydowns on investment securities available-for-sale	899,288	2,081,760
Principal paydowns on investment securities held-to-maturity	332,048	310,094
Sale of Federal Home Loan Bank stock	53,900	59,300
Sale of other real estate owned	2,251,243	0
Net cash provided by (used in) investing activities	1,897,880	-917,533
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'
Net decrease in deposits	-4,220,810	-2,814,790
Borrowings from the Federal Home Loan Bank	0	5,000,000
Repayments of Federal Home Loan Bank borrowings	0	-5,000,000
Repurchase of common stock	-178,826	-1,522,804
Increase in advances by borrowers for taxes and insurance	148,484	131,025
Net cash used in financing activities	-4,251,152	-4,206,569
NET DECREASE IN CASH AND CASH EQUIVALENTS	-1,915,672	-4,821,016
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR	15,351,673	18,178,281
CASH AND CASH EQUIVALENTS AT END OF PERIOD	13,436,001	13,357,265
Cash paid for interest	1,327,181	1,507,306
Cash paid for taxes	0	55,064
Transfer of loans to other real estate owned	$410,399	$221,449

NATURE_OF_OPERATIONS_AND_SUMMA

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2014
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1	NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of Operations
	Fraternity Community Bancorp, Inc. (the “Company”) was incorporated on October 12, 2010 to serve as the holding company for Fraternity Federal Savings & Loan Association (the “Bank”), a federally chartered savings bank. On March 31, 2011, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a federal mutual savings bank to a federal stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 1,587,000 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of approximately $14,968,600, net of offering expenses of approximately $901,400. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (the “ESOP”) which subscribed for 8% of the sum of the number of shares, or 126,960 shares of common stock sold in the offering. All material intercompany accounts and transactions have been eliminated in consolidation.
	In accordance with the Office of the Comptroller of the Currency (the “OCC”) regulations, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 8 of Regulation S-X as promulgated by the Securities and Exchange Commission (the “SEC”). Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Operating results for the nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014, or any other period. For further information, refer to the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. Certain amounts from prior period financial statements may have been reclassified to conform to the current period’s presentation.
	Nature of Operations
	Fraternity Federal Savings and Loan (the “Bank”) provides a full range of banking services to individuals and businesses through its main office and three branches in the Baltimore metropolitan area. Its primary deposit products are certificates of deposit and demand, savings, NOW, and money market accounts. Its primary lending products are consumer loans and real estate mortgages.
	Use of Estimates
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
	Earnings per Common Share
	Basic earnings per common share is net income available to common shareholders divided by the weighted average number of common shares outstanding during the period, excluding unallocated ESOP shares. Diluted earnings per share includes the dilutive effect of additional potential common shares issuable under stock options outstanding and restricted stock grants.
	Stock-Based Compensation
	Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
	Comprehensive Income
	Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of related taxes, which are also recognized as separate components of shareholders’ equity.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2014
INVESTMENT SECURITIES	'
	2	INVESTMENT SECURITIES
	The amortized cost and fair values of investment securities are as follows:
			September 30, 2014
			Amortized		Gross		Gross		Fair
			Cost		Unrealized		Unrealized		Value
					Gains		Losses
	Available-for-sale:
	Bank Notes and Corporate Bonds		$	1,500,000	$	3,105	$	0	$	1,503,105
	Obligations of U.S. Government Agencies			5,997,836		0		360,596		5,637,240
	Municipal Bonds			1,000,000		24,570		0		1,024,570
	Mortgage-backed securities:
	FNMA			4,470,096		8,678		68,753		4,410,021
	GNMA			995,525		18,399		0		1,013,924
	FHLMC			2,988		0		0		2,988
	Federal Agency CMO			772,346		0		38,401		733,945
	Private Label CMO			251,324		3,011		0		254,335
			$	14,990,115	$	57,763	$	467,750	$	14,580,128
			September 30, 2014
			Amortized		Gross		Gross		Fair
			Cost		Unrealized		Unrealized		Value
					Gains		Losses
	Held-to-maturity:
	Municipal Bonds		$	2,103,800	$	68,853	$	15,744	$	2,156,909
	SBA Pools			2,447,294		0		65,383		2,381,911
	Mortgage-backed securities:
	FNMA			4,674,008		158,087		0		4,832,095
			$	9,225,102	$	226,940	$	81,127	$	9,370,915
			December 31, 2013
			Amortized		Gross		Gross		Fair
			Cost		Unrealized		Unrealized		Value
					Gains		Losses
	Available-for-sale:
	Bank Notes and Corporate Bonds		$	1,500,000	$	0	$	1,845	$	1,498,155
	Obligations of U.S. Government Agencies			5,997,686		0		759,026		5,238,660
	Municipal Bonds			1,000,000		0		88,700		911,300
	Mortgage-backed securities:
	FNMA			5,945,252		24,257		191,649		5,777,860
	GNMA			1,186,994		7,640		21,492		1,173,142
	FHLMC			623,033		4,343		911		626,465
	Federal Agency CMO			909,604		0		68,664		840,940
	Private Label CMO			283,206		4,933		0		288,139
			$	17,445,775	$	41,173	$	1,132,287	$	16,354,661
			31-Dec-13
			Amortized		Gross		Gross		Fair
			Cost		Unrealized		Unrealized		Value
					Gains		Losses
	Held-to-maturity:
	Municipal Bonds		$	2,123,116	$	3,863	$	52,573	$	2,074,406
	SBA Pools			1,197,400		0		54,447		1,142,953
	Mortgage-backed securities:
	FNMA			4,748,908		137,053		2,110		4,883,851
			$	8,069,424	$	140,916	$	109,130	$	8,101,210
	The amortized cost and fair value of debt securities at September 30, 2014 and December 31, 2013 by contractual maturities are shown below. Expected maturities may differ from contractual maturities because borrowers may have to call or repay obligations with or without call or prepayment penalties.
			September 30, 2014
			Available-for-Sale
			Amortized		Fair
			Cost		Value
	Due in less than one year		$	1,500,000	$	1,503,105
	Due in five years through ten years			591,798		600,217
	Due after ten years			12,898,317		12,476,806
			$	14,990,115	$	14,580,128
			30-Sep-14
			Held-to-Maturity
		Amortized		Fair
		Cost		Value
Due in one year through five years		$	3,236,938	$	3,333,676
Due in five years through ten years			4,132,530		4,169,581
Due after ten years			1,855,634		1,867,658
		$	9,225,102	$	9,370,915
		December 31, 2013
		Available-for-Sale
		Amortized		Fair
		Cost		Value
Due in less than one year		$	1,500,000	$	1,498,155
Due in one year through five years			7,415		7,364
Due in five years through ten years			778,271		786,833
Due after ten years			15,160,089		14,062,309
		$	17,445,775	$	16,354,661
		31-Dec-13
		Held-to-Maturity
		Amortized		Fair
		Cost		Value
Due in one year through five years		$	3,541,943	$	3,649,827
Due in five years through ten years			2,072,862		2,036,709
Due after ten years			2,454,619		2,414,674
		$	8,069,424	$	8,101,210
The Bank recognized gross gains on sales of available-for-sale securities of $8,147 and $43,335 for the nine months ended September 30, 2014 and 2013, respectively. The Bank recognized gross losses on sales of available-for-sale securities of $6,319 and $0 for the nine months ended September 30, 2014 and 2013, respectively.
Securities with unrealized losses, segregated by length of impairment, as of September 30, 2014 and December 31, 2013 were as follows:
		Less than 12 Months				More than 12 Months				Total
		Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
September 30, 2014
Available-for-sale:
Obligations of U.S. Government Agencies		$	0	$	0	$	5,637,240	$	360,596	$	5,637,240	$	360,596
Mortgage-backed securities:
FNMA			0		0		3,804,045		68,753		3,804,045		68,753
Federal Agency CMO			0		0		733,945		38,401		733,945		38,401
		$	0	$	0	$	10,175,230	$	467,750	$	10,175,230	$	467,750
Held-to-Maturity:
Municipal Bonds		$	0	$	0	$	503,648	$	15,744	$	503,648	$	15,744
SBA Pools			1,562,688		11,992		884,606		53,391		2,447,294		65,383
		$	1,562,688	$	11,992	$	1,388,254	$	69,135	$	2,950,942	$	81,127
		Less than 12 Months				More than 12 Months				Total
		Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
December 31, 2013
Available-for-sale:
Bank Notes and Corporate Bonds		$	0	$	0	$	1,498,155	$	1,845	$	1,498,155	$	1,845
Obligations of U.S. Government Agencies			3,944,880		552,806		1,293,780		206,220		5,238,660		759,026
Municipal Bonds			911,300		88,700		0		0		911,300		88,700
Mortgage-backed securities:
FNMA			3,949,576		191,457		21,661		192		3,971,237		191,649
GNMA			1,109,080		21,492		0		0		1,109,080		21,492
FHLMC			414,957		911		0		0		414,957		911
Federal Agency CMO			0		0		840,940		68,664		840,940		68,664
		$	10,329,793	$	855,366	$	3,654,536	$	276,921	$	13,984,329	$	1,132,287
Held-to-Maturity:
Municipal Bonds		$	1,058,760	$	18,530	$	474,706	$	34,043	$	1,533,466	$	52,573
SBA Pools			814,974		25,278		327,979		29,169		1,142,953		54,447
Mortgage-backed securities:
FNMA			1,562,003		2,110		0		0		1,562,003		2,110
		$	3,435,737	$	45,918	$	802,685	$	63,212	$	4,238,422	$	109,130
Declines in the fair value of investment securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses to the extent the impairment is related to credit losses. The amount of the impairment related to other factors is recognized in other comprehensive income. In estimating other-than-temporary impairment losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) the intent and ability of the Bank to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in cost.
Furthermore, as of September 30, 2014, management does not have the intent to sell any of the securities classified as available-for-sale in the table above and believes that it is more likely than not that the Bank will not have to sell any such securities before a recovery of cost. The unrealized losses are largely due to increases in market interest rates over the yields available at the time the underlying securities were purchased. The fair value is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. Management does not believe any of the securities are impaired due to reasons of credit quality. Accordingly, as of September 30, 2014, management believes the impairments detailed in the table above are temporary and no impairment loss has been realized in the Bank’s consolidated income statement.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	3	LOANS AND ALLOWANCE FOR LOAN LOSSES
	Loans and allowance for loan losses consisted of the following:
			September 30, 2014				December 31, 2013
	Real Estate Loans:
	Owner Occupied One- to- four family		$	78,791,717			$	79,190,821
	Non Owner Occupied One- to- four family			12,377,690				12,405,389
	Home Equity Lines of Credit			7,206,269				8,129,950
	Commercial Real Estate			15,786,642				13,164,122
	Residential Construction			2,231,127				2,463,458
	Land			943,633				685,464
	Total Real Estate Loans			117,337,078				116,039,204
	Consumer Loans			53,646				66,503
	Commercial Loans			0				0
	Total Loans			117,390,724				116,105,707
	Less:
	Allowance for loan losses			(1,850,000	)			(1,528,000	)
	Total loans and allowance for loan losses		$	115,540,724			$	114,577,707
	Management segregates its loan portfolio into portfolio segments which is defined as the level at which the Company develops and documents a systematic method for determining its allowance for loan losses. The portfolio segments are segregated based on loan types and the underlying risk factors present in each loan type. These risk factors are periodically reviewed by management and revised as deemed appropriate. The Company’s loan portfolio is segregated into the following portfolio segments:
	Owner Occupied One- To- Four Family Residential Loans. This portfolio segment consists of the origination of first mortgage loans and closed end home equity second mortgage loans secured by one- to- four family residential properties located in our market area. The Company offers both fixed and adjustable rate products on properties located in the Company’s primary market area. These loans are generally for terms of 15, 20 and 30 years amortized on a monthly basis. The Company generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. 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 employment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
	Non Owner Occupied One- To-Four Family Real Estate Loans. Loans secured by investment properties represent a unique credit risk to us and, as a result, we adhere to special underwriting guidelines. Of primary concern in non-owner occupied real estate lending is the consistency of rental income of the property. Payments on loans secured by rental properties often depend on the maintenance of the property and the payment of rent by its tenants. Payments on loans secured by rental properties often depend on successful operation and management of the properties. As a result, repayment of such loans may be subject to adverse conditions in the real estate market or the economy. We generally require collateral on these loans to be a first mortgage along with an assignment of rents and leases, although we might accept a second mortgage where the combined loan-to-value ratio is low.
	Home Equity Lines of Credit. This portfolio segment consists primarily of open end, second mortgage loans secured by one–to-four family residential properties. 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 employment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
	Commercial Real Estate Loans. This portfolio segment consists primarily of loans secured by commercial real estate. Loans secured by commercial real estate generally may have larger balances and more risk of default than one-to-four family mortgage loans. The increased risk is the result of several factors, including the concentration of principal in a limited number of loans and borrowers, the impact of local and general economic conditions on the borrower’s ability to repay the loan, and the increased difficulty of evaluating and monitoring these types of loans.
	Residential Construction Loans. This portfolio includes construction loans to individuals and builders, primarily for the construction of residential properties. Construction financing generally involves greater risk than long-term financing on improved, owner-occupied real estate. Our portfolio consists of both construction/permanent loans to individuals for their principal residence as well as speculative construction loans to builders. Construction loans are underwritten on the basis of the estimated value of the property as completed. For our construction/permanent loans to individuals for their principal residence, repayment is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas, such as employment levels. Repayment can also be impacted by changes in property values on residential properties. For our speculative construction loans to builders, repayment is primarily dependent on the cashflows of the builder and the success of the project. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability of long term financing.
	Land. This portfolio consists primarily of first mortgage loans on developed residential land. Land loans have a higher level of risk than loans for the purchase of existing homes since collateral values can only be estimated at the time the loan is approved.
	Consumer Loans. This portfolio segment includes small balance unsecured loans to individuals, automobile loans and deposit account loans. Consumer loans are generally originated at higher interest rates than residential mortgage loans because of their higher risk. Collections are highly dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. In the case where collateral may be present, repossessed collateral for a defaulted loan may not provide an adequate source of repayment as a result of damage, loss or depreciation.
	Commercial Loans. This portfolio segment consists of unsecured lines of credit and closed end loans to business owners that have personal guarantees. These loans generally have higher interest rates and shorter terms than one- to- four family residential loans. These loans have a higher level of risk than one- to- four family residential loans. The increased risk is due to the increased difficulty of monitoring and higher risk of default since their repayment generally depends on the successful operation of the borrower’s business.
	The balance of impaired loans was $5,583,488 and $4,575,824 as of September 30, 2014 and December 31, 2013, respectively. A loan is impaired when it is not likely the lender will collect the full value of the loan because the creditworthiness of a borrower has fallen. All of our impaired loans are either a troubled debt restructuring or are on nonaccrual status.
	Nonperforming/Past Due Loans - Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations, which typically occurs when principal or interest payments are more than 90 days past due. Non-accrual loans totaled $2,121,818 and $1,080,286 at September 30, 2014 and December 31, 2013, respectively. There were no accruing loans that were more than 90 days past due at September 30, 2014 and December 31, 2013.
	Management has an established methodology to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, we have segmented our loan portfolio by product type. Our loan segments are owner occupied one-to-four family residential, non owner occupied one-to-four family residential, home equity lines of credit (“HELOC”), commercial real estate, residential construction, land, consumer and commercial.
	To establish the allowance for loan losses, loans are pooled by portfolio class and an historical loss percentage is applied to each class. The historical loss percentage is based upon the previous eight quarters history. This rolling history is utilized so that we have the most current and relevant charge-off trend data. These charge-offs are segregated by loan segment and compared to their respective loan segment average balances for the same period in order to calculate the charge-off percentage. That calculation determines the required allowance for loan loss level. The Company then applies additional loss multipliers to the different segments of loans to reflect various environmental factors. For individually evaluated loans (impaired loans), we do additional analyses to determine the impairment. Management applies judgment to develop its own view of loss probability within that range, using external and internal parameters with the objective of establishing an allowance for losses inherent within these portfolios as of the reporting date.
	The Bank’s policies, consistent with regulatory guidelines, provide for the classification of loans and other assets that are considered to be of lesser quality as substandard, doubtful, or loss assets. An asset is considered substandard if it is inadequately protected by the net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard assets include those assets characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Assets classified as doubtful have all of the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Assets (or portions of assets) classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted. Assets that do not expose us to risk sufficient enough to warrant classification in one of the aforementioned categories, but which possess potential weaknesses that deserve close attention, are required to be designated as special mention.
	Modifications of terms for our loans and their inclusion as troubled debt restructurings are based on individual facts and circumstances. Loan modifications that are included as troubled debt restructurings may involve either an increase or reduction of the interest rate, extension of the term of the loan, or deferral or forgiveness of principal or interest payments. As of September 30, 2014, there are five loans totaling $3,461,670 classified as troubled debt restructurings. As of December 31, 2013 there are six loans totaling $3,881,957 classified as troubled debt restructurings.
	The credit quality of the loan portfolio is summarized quarterly using categories similar to the standard asset classification system used by the federal banking agencies. The following table presents credit quality indicators for the loan loss portfolio segments and classes. These categories are utilized to develop the associated allowance for loan losses using historical losses adjusted for current economic conditions defined as follows:
		•		Pass – loans which are well protected by the current net worth and paying capacity of the obligor(s) or by the fair value, less cost to acquire and sell, of any underlying collateral.
		•		Special Mention – loans with well-defined risk issues which creates a high level of uncertainty regarding the long term viability of the business. These loans exhibit material negative financial trends due to company specific or economic conditions. If these potential weaknesses are not mitigated, they threaten the borrower’s capacity to meet its debt obligations.
		•		Substandard – loans in which the primary source of repayment is gone and causing us to rely upon a secondary source of repayment or in which the collateral has deteriorated or must be liquidated for repayment of the loan. These loans are characterized by the distinct possibility that the institution will sustain some loss if the weaknesses are not corrected.
	The following tables show credit quality indicators, the aging of receivables, and disaggregated balances of loans receivable and the allowance for loan losses as of September 30, 2014 and December 31, 2013:
	Credit Risk Analysis of Loans Receivable
	As of September 30, 2014
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	Pass		$	78,336,305			$	10,573,620			$	7,080,448			$	14,637,102		$	2,231,127		$	943,633		$	53,646		$	0		$	113,855,881
	Special Mention			263,485				0				0				0			0			0			0			0			263,485
	Substandard			191,927				1,804,070				125,821				1,149,540			0			0			0			0			3,271,358
	Total		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	Credit risk profile based on payment activity:
	Performing		$	78,599,790			$	10,573,620			$	7,080,448			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	115,268,906
	Nonperforming			191,927				1,804,070				125,821				0			0			0			0			0			2,121,818
	Total		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	Credit Risk Analysis of Loans Receivable
	As of December 31, 2013
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	Pass		$	78,205,713			$	10,065,786			$	7,840,054			$	11,996,653		$	2,463,458		$	685,464		$	66,503		$	0		$	111,323,631
	Special Mention			457,008				2,077,313				0				0			0			0			0			0			2,534,321
	Substandard			528,100				262,290				289,896				1,167,469			0			0			0			0			2,247,755
	Total		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
	Credit risk profile based on payment activity:
	Performing		$	78,662,721			$	12,143,099			$	7,840,054			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	115,025,421
Nonperforming			528,100				262,290				289,896				0			0			0			0			0			1,080,286
Total		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
Aged Analysis of Past Due Loans Receivable
As of September 30, 2014
		Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
		Occupied				Occupied				Lines of Credit				Real Estate
		1-4 Family				1-4 Family
		Residential				Residential
30-59 Days Past Due		$	117,445			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	117,445
60-89 Days Past Due			0				0				59,925				0			0			0			0			0			59,925
Greater Than 90 Days Past Due			93,069				1,799,831				0				0			0			0			0			0			1,892,900
Total Past Due			210,514				1,799,831				59,925				0			0			0			0			0			2,070,270
Current			78,581,203				10,577,859				7,146,344				15,786,642			2,231,127			943,633			53,646			0			115,320,454
Total Loans Receivable		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
Recorded Investment > 90 Days and Accruing		$	0			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	0
Aged Analysis of Past Due Loans Receivable
As of December 31, 2013
		Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
		Occupied				Occupied				Lines of Credit				Real Estate
		1-4 Family				1-4 Family
		Residential				Residential
30-59 Days Past Due		$	224,165			$	0			$	24,493			$	0		$	0		$	0		$	0		$	0		$	248,658
60-89 Days Past Due			3,001				0				0				0			0			0			0			0			3,001
Greater Than 90 Days Past Due			450,480				263,486				90,192				0			0			0			0			0			804,158
Total Past Due			677,646				263,486				114,685				0			0			0			0			0			1,055,817
Current			78,513,175				12,141,903				8,015,265				13,164,122			2,463,458			685,464			66,503			0			115,049,890
Total Loans Receivable		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
Recorded Investment > 90 Days and Accruing		$	0			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	0
The following tables detail activity in the allowance for loan losses for the three and nine months ended September 30, 2014 and 2013. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
		Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Unallocated			Total
		Occupied 1-				Occupied				Lines of Credit				Real Estate
		4 Family				1-4 Family
		Residential				Residential
Three months ended:
September 30, 2014:
Beginning Balance		$	784,340			$	339,926			$	97,264			$	157,676		$	23,532		$	8,495		$	820		$	0		$	115,947		$	1,528,000
(Recovery of) provision for loan losses			(9,988	)			228,404				1,544				190			(1,221	)		3,300			(149	)		0			97,471			319,551
Charge-offs			(185	)			0				0				0			0			0			0			0			0			(185	)
Recoveries			1,605				0				1,029				0			0			0			0			0			0			2,634
Net recoveries			1,420				0				1,029				0			0			0			0			0			0			2,449
Ending Balance		$	775,772			$	568,330			$	99,837			$	157,866		$	22,311		$	11,795		$	671		$	0		$	213,418		$	1,850,000
Three months ended:
September 30, 2013:
Beginning Balance		$	797,121			$	266,468			$	61,965			$	170,490		$	18,930		$	14,223		$	852		$	250		$	19,701		$	1,350,000
Provision for (recovery of) loan losses			110,716				91,941				(3,892	)			(39,987	)		8,562			(5,619	)		767			(59	)		(19,130	)		143,299
Charge-offs			0				0				0				0			0			0			0			0			0			0
Recoveries			3,702				3,000				999				0			0			0			0			0			0			7,701
Net recoveries			3,702				3,000				999				0			0			0			0			0			0			7,701
Ending Balance		$	911,539			$	361,409			$	59,072			$	130,503		$	27,492		$	8,604		$	1,619		$	191		$	571		$	1,501,000
		Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Unallocated			Total
		Occupied				Occupied				Lines of Credit				Real Estate
		1-4 Family				1-4 Family
		Residential				Residential
Nine months ended:
September 30, 2014:
Beginning Balance		$	901,766			$	353,240			$	106,851			$	131,641		$	24,635		$	8,568		$	924		$	0		$	375		$	1,528,000
(Recovery of) provision for loan losses			(219,837	)			215,090				(10,051	)			26,225			(2,324	)		3,227			(253	)		0			213,043			225,120
Charge-offs			(185	)			0				0				0			0			0			0			0			0			(185	)
Recoveries			94,028				0				3,037				0			0			0			0			0			0			97,065
Net recoveries			93,843				0				3,037				0			0			0			0			0			0			96,880
Ending Balance		$	775,772			$	568,330			$	99,837			$	157,866		$	22,311		$	11,795		$	671		$	0		$	213,418		$	1,850,000
Nine months ended:
September 30, 2013:
Beginning Balance		$	810,892			$	206,099			$	74,807			$	191,357		$	36,945		$	32,217		$	868		$	240		$	41,575		$	1,395,000
Provision for (recovery of) loan losses			120,222				218,389				(18,732	)			(60,854	)		(9,453	)		(77,863	)		751			(49	)		(41,004	)		131,407
Charge-offs			(25,777	)			(66,079	)			0				0			0			0			0			0			0			(91,856	)
Recoveries			6,202				3,000				2,997				0			0			54,250			0			0			0			66,449
Net (charge-offs) recoveries			(19,575	)			(63,079	)			2,997				0			0			54,250			0			0			0			(25,407	)
Ending Balance		$	911,539			$	361,409			$	59,072			$	130,503		$	27,492		$	8,604		$	1,619		$	191		$	571		$	1,501,000
The following table details the amounts evaluated for impairment collectively and individually allocated to each portfolio segment as of September 30, 2014, December 31, 2013 and September 30, 2013, detailed on the basis of the impairment methodology used by the Company.
		Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
		Occupied				Occupied				Lines of Credit				Real Estate
		1-4 Family				1-4 Family
		Residential				Residential
September 30, 2014:
Loans individually evaluated for impairment		$	3,458,455			$	1,804,070			$	320,963			$	0		$	0		$	0		$	0		$	0		$	5,583,488
Loans collectively evaluated for impairment		$	75,333,262			$	10,573,620			$	6,885,306			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	111,807,236
Balance at September 30, 2014		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
December 31, 2013:
Loans individually evaluated for impairment		$	3,815,829			$	262,289			$	497,706			$	0		$	0		$	0		$	0		$	0		$	4,575,824
Loans collectively evaluated for impairment		$	75,374,992			$	12,143,100			$	7,632,244			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	111,529,883
Balance at December 31, 2013		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
September 30, 2013:
Loans individually evaluated for impairment		$	4,083,976			$	269,289			$	593,678			$	0		$	0		$	0		$	0		$	0		$	4,946,943
Loans collectively evaluated for impairment		$	76,141,927			$	11,608,408			$	7,876,209			$	13,050,291		$	2,749,178		$	688,329		$	76,382		$	13,273		$	112,203,997
Balance at September 30, 2013		$	80,225,903			$	11,877,697			$	8,469,887			$	13,050,291		$	2,749,178		$	688,329		$	76,382		$	13,273		$	117,150,940
Management reviews and identifies loans and investments that require designation as nonperforming assets and troubled debt restructurings. Nonperforming assets include loans accounted for on a non-accrual basis, loans past due by 90 days or more but still accruing, and other real estate owned. Troubled debt restructurings include loans in which the borrower was having financial difficulty, and we agreed to modify the loan. Information with respect to nonperforming assets and troubled debt restructurings at September 30, 2014 and December 31, 2013 is as follows:
		September 30, 2014				December 31, 2013
Non-Accrual Loans:
Owner-occupied one- to- four family		$	191,927			$	528,100
Non owner-occupied one- to- four family			1,804,070				262,290
Home Equity Lines of credit			125,821				289,896
Total Non-Accrual Loans			2,121,818				1,080,286
Other Real Estate Owned, net			22,500				1,921,706
Loans 90 days or more past due and still accruing			0				0
Total Nonperforming Assets			2,144,318				3,001,992
Troubled Debt Restructurings			3,461,670				3,881,957
Troubled Debt Restructurings included In Non-Accrual Loans			(0	)			(386,419	)
Troubled Debt Restructurings and Total Nonperforming Assets		$	5,605,988			$	6,497,530
At September 30, 2014 and December 31, 2013, there were no loans 90 days past due or more and still accruing interest. At September 30, 2014, the Company had twenty eight loans on non-accrual status with foregone interest in the amount of $128,121. At December 31, 2013, the Company had twenty one loans on non-accrual status with foregone interest in the amount of $129,519.
The following table presents loans individually evaluated for impairment by class of loan as of September 30, 2014 and December 31, 2013:
		As of September 30, 2014												As of December 31, 2013
		Recorded				Unpaid Principal				Related				Recorded			Unpaid Principal			Related
		Investment				Balance				Allowance				Investment			Balance			Allowance
With no allowance recorded:
Owner Occupied one- to- four family residential		$	640,629			$	651,525			$	0			$	782,371		$	810,780		$	0
Non Owner Occupied one- to- four family residential			139,823				205,902				0				16,751			82,830			0
Home Equity Lines of Credit			320,963				320,963				0				497,706			567,234			0
Total with no allowance		$	1,101,415			$	1,178,390			$	0			$	1,296,828		$	1,460,844		$	0
With an allowance recorded:
Owner Occupied one- to- four family residential		$	2,817,826			$	2,817,826			$	210,773			$	3,033,457		$	3,033,457		$	210,773
Non Owner Occupied one- to- four family residential			1,664,247				1,691,978				382,234				245,539			273,270			64,234
Total with an allowance		$	4,482,073			$	4,509,804			$	593,007			$	3,278,996		$	3,306,727		$	275,007
Grand total:
Owner Occupied one- to- four family residential		$	3,458,455			$	3,469,351			$	210,773			$	3,815,828		$	3,844,237		$	210,773
Non Owner Occupied one- to- four family residential			1,804,070				1,897,880				382,234				262,290			356,100			64,234
Home Equity Lines of Credit			320,963				320,963				0				497,706			567,234			0
Grand total		$	5,583,488			$	5,688,194			$	593,007			$	4,575,824		$	4,767,571		$	275,007
Information on impaired loans for the three and nine months ended September 30, 2014 is as follows:
		For the Three Months Ended								For the Nine Months Ended
		September 30, 2014								September 30, 2014
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no allowance recorded:
Owner Occupied one- to- four family residential		$	441,720			$	7,214			$	443,104			$	17,355
Non Owner Occupied one- to- four family residential			78,287				0				57,775				2,312
Home Equity Lines of Credit			419,877				5,323				444,368				14,459
Total with no allowance		$	939,884			$	12,537			$	945,247			$	34,126
With an allowance recorded:
Owner Occupied one- to- four family residential		$	2,808,445			$	23,167			$	2,811,329			$	69,277
Non Owner Occupied one- to- four family residential			725,237				0				541,093				25,111
Total with an allowance		$	3,533,682			$	23,167			$	3,352,422			$	94,388
Grand total:
Owner Occupied one- to- four family residential		$	3,250,165			$	30,381			$	3,254,433			$	86,632
Non Owner Occupied one- to- four family residential			803,524				0				598,868				27,423
Home Equity Lines of Credit			419,877				5,323				444,368				14,459
Grand total		$	4,473,566			$	35,704			$	4,297,669			$	128,514
Information on impaired loans for the three and nine months ended September 30, 2013 is as follows:
		For the Three Months Ended								For the Nine Months Ended
		September 30, 2013								September 30, 2013
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no allowance recorded:
Owner Occupied one- to- four family residential		$	1,482,732			$	4,400			$	1,879,046			$	13,866
Non Owner Occupied one- to- four family residential			150,520				0				199,082				0
Home Equity Lines of Credit			550,819				6,543				471,586				18,137
Land			0				0				31,000				0
Total with no allowance		$	2,184,071			$	10,943			$	2,580,714			$	32,003
With an allowance recorded:
Owner Occupied one- to- four family residential		$	2,830,981			$	43,772			$	2,589,404			$	66,793
Non Owner Occupied one- to- four family residential			94,153				0				62,768				0
Total with an allowance		$	2,925,134			$	43,772			$	2,652,172			$	66,793
Grand total:
Owner Occupied one- to- four family residential		$	4,313,713			$	48,172			$	4,468,450			$	80,659
Non Owner Occupied one- to- four family residential			244,673				0				261,850				0
Home Equity Lines of Credit			550,819				6,543				471,586				18,137
Land			0				0				31,000				0
Grand total		$	5,109,205			$	54,715			$	5,232,886			$	98,796
The following table reflects impaired loans as of September 30, 2014 and December 31, 2013. A loan is impaired when it is not likely the lender will collect the full value of the loan because the creditworthiness of a borrower has fallen.
		September 30, 2014				December 31, 2013
Impaired performing loans:
Owner occupied one- to- four family		$	0			$	0
Non owner occupied one- to- four family			0				0
Home equity lines of credit			0				0
Commercial			0				0
Construction			0				0
Land			0				0
Troubled debt restructurings:
Owner occupied one- to- four family			3,266,528				3,287,728
Non owner occupied one- to- four family			0				0
Home equity lines of credit			195,142				207,810
Commercial			0				0
Construction			0				0
Land			0				0
Total impaired performing loans			3,461,670				3,495,538
Impaired nonperforming loans (nonaccrual):
Owner occupied one- to- four family			191,927				141,681
Non owner occupied one- to- four family			1,804,070				262,290
Home equity lines of credit			125,821				289,896
Commercial			0				0
Construction			0				0
Land			0				0
Troubled debt restructurings:
Owner occupied one- to- four family			0				386,419
Non owner occupied one- to- four family			0				0
Home equity lines of credit			0				0
Commercial			0				0
Construction			0				0
Land			0				0
Total impaired nonperforming loans (nonaccrual)			2,121,818				1,080,286
Total impaired loans		$	5,583,488			$	4,575,824
Loans may be periodically modified in a troubled debt restructuring (TDR), where the Company will make concessions to a borrower having financial difficulty to help the borrower remain current on the loan and/or to avoid foreclosure. When we modify loans in a TDR, we evaluate any possible impairment similar to other impaired loans. If we determine that the value of the modified loan is less than the recorded investment in the loan, impairment is generally recognized through a charge-off through the allowance, however, if a specific reserve has been established, impairment is recognized through the provision for loan losses. At September 30, 2014, we had five loans that were restructured totaling $3,461,670. Four loans, totaling $3,266,528 were secured by owner-occupied one- to- four family residential properties and one loan totaling $195,142 is a home equity line of credit. At December 31, 2013, we had six loans that were restructured totaling $3,881,957. Five loans, totaling $3,674,147 were secured by owner-occupied one- to- four family residential properties and one loan totaling $207,810 is a home equity line of credit.
The following table is a summary of impaired loans that were modified due to a TDR by class for the three and nine months ended September 30, 2014 and 2013. The pre-modification and post-modification outstanding recorded investments disclosed in the table below represent the loan carrying amounts immediately prior to the modification and the carrying amounts immediately after the modification:
Modifications for the Nine Months Ended September 30, 2014
		Number of				Pre-Modification				Post-Modification
		Contracts				Outstanding				Outstanding
						Recorded				Recorded
						Investments				Investments
Troubled Debt Restructuring:
Owner occupied one- to- four family residential			0			$	0			$	0
Modifications for the Nine Months Ended September 30, 2013
		Number of				Pre-Modification				Post-Modification
		Contracts				Outstanding				Outstanding
						Recorded				Recorded
						Investments				Investments
Troubled Debt Restructuring:
Owner occupied one- to- four family residential			1			$	769,303			$	748,393
Modifications for the Three Months Ended September 30, 2014
		Number of				Pre-Modification				Post-Modification
		Contracts				Outstanding				Outstanding
						Recorded				Recorded
						Investments				Investments
Troubled Debt Restructuring:
Owner occupied one- to- four family residential			0			$	0			$	0
Modifications for the Three Months Ended September 30, 2013
		Number of				Pre-Modification				Post-Modification
		Contracts				Outstanding				Outstanding
						Recorded				Recorded
						Investments				Investments
Troubled Debt Restructuring:
Owner occupied one- to- four family residential			0			$	0			$	0
The following table presents loans by loan class modified as TDR’s within the previous twelve months from, and for which there was a payment default (90 days or more past due) during the three and nine months ended September 30, 2014 and 2013:
Three Months Ended September 30, 2014								Nine Months Ended September 30, 2014
Number of				Recorded				Number of				Recorded
Contracts				Investment				Contracts				Investment
	0			$	0				0			$	0
Three Months Ended September 30, 2013								Nine Months Ended September 30, 2013
Number of				Recorded				Number of				Recorded
Contracts				Investment				Contracts				Investment
	2			$	646,141				2			$	646,141

EMPLOYEE_RETIREMENT_PLANS

EMPLOYEE RETIREMENT PLANS	9 Months Ended
	Sep. 30, 2014
EMPLOYEE RETIREMENT PLANS	'
	4	EMPLOYEE RETIREMENT PLANS
	The Bank sponsors an employee 401(k) savings and investment plan. The plan covers substantially all employees meeting age and service requirements and provides for both employee and employer matching contributions under Safe Harbor provisions. Expenses related to this plan for the nine months ended September 30, 2014 and 2013 were $46,914 and $47,157, respectively.
	In connection with the conversion to stock form, the Company established an Employee Stock Ownership Plan (ESOP) for the exclusive benefit of eligible employees. The ESOP borrowed funds from the Company in an amount sufficient to purchase 126,960 shares, or 8% of the Common Stock issued in the offering. The shares were acquired at a price of $10.00 per share.
	The loan is secured by the shares purchased and will be repaid by the ESOP with funds from contributions made by the Bank and dividends received by the ESOP, with funds from any contributions on ESOP assets. Contributions will be applied to repay interest on the loan first and the remainder will be applied to principal. The loan is expected to be repaid over a period of 12 years.
	Shares purchased with the loan proceeds are held in a suspense account for allocation among participants as the loan is repaid. Contributions to the ESOP and shares released from the suspense account are allocated among participants in proportion to their compensation, relative to total compensation, of all active participants. Participants will vest their accrued benefits under the employee stock ownership plan at the rate of 33.33% per year beginning in year two. Vesting is accelerated upon retirement, death or disability of the participant, or a change in control of the Bank. Forfeitures will be reallocated to remaining plan participants. Benefits may be payable upon retirement, death, disability, separation of service, or termination of the ESOP.
	The debt of the ESOP, in accordance with generally accepted accounting principles, is eliminated in consolidation and the shares pledged as collateral are reported as unearned ESOP shares in the consolidated balance sheet. Contributions to the ESOP shall be sufficient to pay principal and interest currently due under the loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average market price of the shares for the respective period, and the shares become outstanding for earnings per share computations. Dividends on allocated ESOP shares are recorded as a reduction of debt and accrued interest. ESOP compensation expense for the nine months ended September 30, 2014 and 2013 was $116,935 and $107,810, respectively.
	A summary of ESOP shares at September 30, 2014 and 2013 is as follows:
			2014		2013
	Shares committed for release			39,675		29,095
	Unearned shares			87,285		97,865
	Total ESOP shares			126,960		126,960
	Fair Value of unearned shares		$	1,309,275	$	1,345,644

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	9 Months Ended
	Sep. 30, 2014
STOCK-BASED COMPENSATION	'
	5	STOCK-BASED COMPENSATION
	In May 2012, the Company’s shareholders approved a new Equity Incentive Plan (the “2012 Equity Incentive Plan”). The 2012 Equity Incentive Plan allows for up to 63,480 shares to be issued to employees, executive officers or Directors in the form of restricted stock, and up to 158,700 shares to be issued to employees, executive officers or Directors in the form of stock options. At September 30, 2014 and December 31, 2013, there were 33,000 restricted stock awards issued and outstanding and 69,600 stock option awards granted under the 2012 Incentive Plan.
	Under the above plan, the exercise price is the market price at date of grant. The maximum option term is ten years and the vesting period is 25% immediately, 25% after one year, 25% after two years and 25% after three years. The Company issues new shares to satisfy share option exercises. Total compensation costs that have been charged against income for the stock option plan was $54,940 and $0, respectively, for the nine months ended September 30, 2014 and 2013.
	The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical data. The Company uses historical data to estimate option exercise and post-vesting termination behavior. The expected term of options granted represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the Federal Funds rate in effect at the time of the grant.
	The fair value of options granted during 2013 was determined using the following weighted-average assumptions as of grant date.
			2013
	Risk-free interest rate			0.25	%
	Expected term			10.0 years
	Expected stock price volatility			24.36	%
	Dividend yield			0	%
	A summary of stock option activity for the nine months ended September 30, 2014 and twelve months ended December 31, 2013 is as follows:
			Shares			Weighted		Weighted		Aggregate
						Average		Average		Intrinsic
						Exercise		Remaining		Value
						Price		Contractual
								Term
	September 30, 2014:
	Outstanding at beginning of year			69,600		$	13.65		10.0 years	$	38,280
	Granted			0			0				0
	Exercised			0			0				0
	Forfeited, exchanged or expired			(0	)		0				0
	Outstanding at end of period			69,600		$	13.65		9.1 years	$	38,280
	Exercisable at end of period			17,400		$	13.65		9.1 years	$	9,570
			Shares			Weighted		Weighted		Aggregate
						Average		Average		Intrinsic
						Exercise		Remaining		Value
						Price		Contractual
								Term
	December 31, 2013:
	Outstanding at beginning of year			0		$	0			$	0
	Granted			69,600			13.65		10.0 years		38,280
	Exercised			0			0				0
	Forfeited, exchanged or expired			(0	)		0				0
	Outstanding at end of year			69,600		$	13.65		9.8 years	$	38,280
	Exercisable at end of year			17,400		$	13.65		9.8 years	$	9,570
	As of September 30, 2014, there was $152,613 of total unrecognized compensation cost related to non-vested stock options granted under the Plan. The cost is expected to be recognized over a weighted-average period of 2.08 years.
	Restricted Stock: The specific terms of each restricted stock award are determined by the Compensation Committee at the date of the grant. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at the issue date. The fair value of the stock was determined using the total number of restricted stock awards granted multiplied by the fair market value of a share of Company stock at the grant date. Restricted stock awards are vested 25% immediately, 25% after one year, 25% after two years and 25% after three years.
	A summary of changes in the Company’s nonvested shares for the nine months ended September 30, 2014 and twelve months ended December 31, 2013 is as follows:
			Shares			Weighted-Average
						Grant-Date
						Fair Value
	Nonvested at January 1, 2014			24,748		$	12.75
	Granted			0			0
	Vested			(8,252	)		0
	Forfeited			(0	)		0
	Nonvested at September 30, 2014			16,496		$	12.75
			Shares			Weighted-Average
						Grant-Date
						Fair Value
	Nonvested at January 1, 2013			0		$	0
	Granted			33,000			12.75
	Vested			(8,252	)		12.75
	Forfeited			(0	)		0
	Nonvested at December 31, 2013			24,748		$	12.75
	As of September 30, 2014 and 2013, the Company recorded restricted stock awards expense of $78,906 and $105,213. As of September 30, 2014, there was $201,560 of total unrecognized compensation cost related to nonvested shares granted under the 2012 stock incentive plan. The cost is expected to be recognized over a weighted-average period of 1.92 years.

REGULATORY_MATTERS

REGULATORY MATTERS	9 Months Ended
	Sep. 30, 2014
REGULATORY MATTERS	'
	6	REGULATORY MATTERS
	The Bank is subject to various regulatory capital requirements administered by its primary federal regulator, the Office of the Comptroller of the Currency (OCC). Failure to meet the minimum regulatory capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that if undertaken, could have a direct material effect on the Bank and the consolidated financial statements. Under the regulatory capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines involving 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 under the prompt corrective action guidelines are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of: total risk-based capital and Tier I capital to risk-weighted assets (as defined in the regulations), Tier I capital to adjusted total assets (as defined), and tangible capital to adjusted total assets (as defined).
	As of September 30, 2014 and December 31, 2013 (the most recent notification from the OCC), the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. Nothing has come to management’s attention since the institution’s most recent notification of being classified as “well capitalized” that would cause such classification to change. The following table details the Bank’s capital position:
			Actual					For Capital Adequacy Purposes
								and to be Well Capitalized
								Under the Prompt Corrective
								Action Provisions
			Amount		Ratio			Amount		Ratio
			(dollars in thousands)					(dollars in thousands)
	As of September 30, 2014:
	Total Risk-Based Capital (to risk-weighted assets)		$	24,798		27.26	%	$	9,097		10	%
	Tier I Capital (to risk-weighted assets)		$	23,652		26	%	$	5,458		6	%
	Tier I Capital (to adjusted total assets)		$	23,652		14.53	%	$	8,139		5	%
			Actual					For Capital Adequacy Purposes
								and to be Well Capitalized
								Under the Prompt Corrective
								Action Provisions
			Amount		Ratio			Amount		Ratio
			(dollars in thousands)					(dollars in thousands)
	As of December 31, 2013:
	Total Risk-Based Capital (to risk-weighted assets)		$	24,857		26.96	%	$	9,220		10	%
	Tier I Capital (to risk-weighted assets)		$	23,700		25.71	%	$	5,531		6	%
	Tier I Capital (to adjusted total assets)		$	23,700		14.19	%	$	8,351		5	%
	On July 25, 2013, the Company authorized the repurchase of up to 142,830 shares of its common stock. Repurchases, if any, by the Company pursuant to this authorization are expected to enable the Company to repurchase its shares at an attractive price and to provide a source of liquidity for the Company’s shares. As of September 30, 2014, there have been 73,200 shares repurchased by the Company, for an aggregate expenditure totaling $1,012,012, at an average price of $13.83.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	9 Months Ended
	Sep. 30, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	'
	7	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
	The following table presents the changes in each component of accumulated other comprehensive income (loss), net of tax, for the three and nine months ended September 30, 2014 and 2013:
			For the Three Months Ended						For the Nine Months Ended
			September 30,			September 30,			September 30,			September 30,
			2014			2013			2014			2013
			Net Unrealized			Net Unrealized			Net Unrealized			Net Unrealized
			Gain and Losses			Gain and Losses			Gain and Losses			Gain and Losses
			on Investment			on Investment			on Investment			on Investment
			Securities			Securities			Securities			Securities
	Beginning Balance		$	(274,275	)	$	(457,642	)	$	(669,725	)	$	74,301
	Other comprehensive income (loss) before reclassifications			27,104			(88,398	)		422,554			(594,340	)
	Amounts reclassified from accumulated other comprehensive loss			(1,097	)		0			(1,097	)		(26,001	)
	Net current period other comprehensive income (loss)			26,007			(88,398	)		421,457			(620,341	)
	Ending Balance		$	(248,268	)	$	(546,040	)	$	(248,268	)	$	(546,040	)
	The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the nine months ended September 30, 2014 and 2013:
			September 30, 2014			September 30, 2013
			Amount Reclassified			Amount Reclassified			Affected Line Item in
			from Accumulated			from Accumulated			the Statement Where
			Other Comprehensive			Other Comprehensive			Net Income Is
			Income			Income			Presented
	Reclassification adjustment for realized gains		$	(1,828	)	$	(43,335	)	Non-Interest Income
				731			17,334		Income Tax Expense
	Total Reclassification for the Period		$	(1,097	)	$	(26,001	)	Net of Tax

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2014
FAIR VALUE MEASUREMENTS	'
	8	FAIR VALUE MEASUREMENTS
	Measurement of fair value under U.S. GAAP establishes a hierarchy that prioritizes observable and unobservable inputs used to measure fair value, as of the measurement date, into three broad levels, which are described as follows:
	Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the entity has the ability to access at the measurement date.
	Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals.
	Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
	The following table presents the Bank’s assets measured at fair value on a recurring basis:
			Fair Value at		Quoted Prices in		Significant		Significant
			September 30,		Active Markets		Other		Unobservable
			2014		for Identical		Observable		Inputs
					Assets		Inputs		(Level 3)
					(Level 1)		(Level 2)
	Available-for-sale securities:
	Bank Notes and Corporate Bonds		$	1,503,105	$	0	$	1,503,105	$	0
	Obligations of U.S. Government agencies			5,637,240		0		5,637,240		0
	Municipal Bonds			1,024,570		0		1,024,570		0
	FNMA			4,410,021		0		4,410,021		0
	GNMA			1,013,924		0		1,013,924		0
	FHLMC			2,988		0		2,988		0
	Federal Agency CMO			733,945		0		733,945		0
	Private label CMO			254,335		0		254,335		0
			$	14,580,128	$	0	$	14,580,128	$	0
	Total assets measured at fair value		$	14,580,128	$	0	$	14,580,128	$	0
			Fair Value at		Quoted Prices in		Significant		Significant
			December 31,		Active Markets		Other		Unobservable
			2013		for Identical		Observable		Inputs
					Assets		Inputs		(Level 3)
					(Level 1)		(Level 2)
	Available-for-sale securities:
	Bank Notes and Corporate Bonds		$	1,498,155	$	0	$	1,498,155	$	0
	Obligations of U.S. Government agencies			5,238,660		0		5,238,660		0
	Municipal Bonds			911,300		0		911,300		0
	FNMA			5,777,860		0		5,777,860		0
	GNMA			1,173,142		0		1,173,142		0
	FHLMC			626,465		0		626,465		0
	Federal Agency CMO			840,940		0		840,940		0
	Private label CMO			288,139		0		288,139		0
			$	16,354,661	$	0	$	16,354,661	$	0
	Total assets measured at fair value		$	16,354,661	$	0	$	16,354,661	$	0
	Available-for-sale Securities
	Securities classified as available-for-sale are reported at fair value utilizing Level 2 Inputs. For these securities, the Bank obtains fair values from an external pricing service or bid quotations received from securities dealers. The observable data may include dealer quotes, cash flows, U.S. Treasury yield curve, trading levels, credit information, and the terms and conditions of the security, among other things.
	Financial Instruments Measured on a Nonrecurring Basis
	The Bank may be required, from time to time, to measure certain other financial assets and liabilities at fair value on a nonrecurring basis. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets.
	For assets measured at fair value on a nonrecurring basis as of September 30, 2014 and December 31, 2013, the following table provides the level of valuation assumptions used to determine each adjustment and the carrying value of the assets:
			Fair Value at		Quoted		Significant		Significant
			September 30,		Prices		Other		Unobservable
			2014		(Level 1)		Observable		Inputs
							Inputs		(Level 3)
							(Level 2)
	Impaired Loans:
	Owner occupied one- to- four family		$	3,247,682	$	0	$	3,247,682	$	0
	Non owner occupied one- to- four family			1,421,836		0		1,421,836		0
	Home Equity Lines of Credit			320,963		0		320,963		0
			$	4,990,481	$	0	$	4,990,481	$	0
	Other real estate owned		$	22,500	$	0	$	22,500	$	0
			Fair Value at		Quoted		Significant		Significant
			December 31,		Prices		Other		Unobservable
			2013		(Level 1)		Observable		Inputs
							Inputs		(Level 3)
							(Level 2)
	Impaired Loans:
	Owner occupied one- to- four family		$	3,605,055	$	0	$	3,605,055	$	0
	Non owner occupied one- to- four family			198,056		0		198,056		0
	Home Equity Lines of Credit			497,706		0		497,706		0
		$	4,300,817	$	0	$	4,300,817	$	0
Other real estate owned		$	1,921,706	$	0	$	1,921,706	$	0
Impaired Loans
Loans for which it is probable that the Bank will not collect all principal and interest due according to contractual terms are measured for impairment in accordance with FASB guidance. Allowable methods for estimating fair value include using the fair value of the collateral for collateral dependent loans or, where a loan is determined not to be collateral dependent, using the discounted cash flow method. In our determination of fair value, we have categorized both methods of valuation as estimates based on Level 2 inputs.
If the impaired loan is identified as collateral dependent, then the fair value method measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal or utilizing some other method of valuation for the collateral and applying a discount factor to the value based on our loan review policy and procedures.
If the impaired loan is determined not to be collateral dependent, then the discounted cash flow method is used. This method requires the impaired loan to be recorded at the present value of expected future cash flows discounted at the loan’s effective interest rate. The effective interest rate of a loan is the contractual interest rate adjusted for any net deferred loan fees or costs, premiums, or discounts existing at origination or acquisition of the loan.
Other Real Estate Owned
We record our other real estate owned at the lower of cost or estimated fair value less estimated selling costs. Estimated fair value is generally based upon an independent appraisal of the collateral. We consider these collateral values to be estimated using Level 2 inputs.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS	'
	9	FAIR VALUE OF FINANCIAL INSTRUMENTS
	Fair value estimates, methods, and assumptions are set forth below for the Bank’s financial instruments as of September 30, 2014 and December 31, 2013.
			September 30, 2014
					Estimated Fair Value
			Carrying		Level One		Level Two		Level Three		Total
			Value
	Assets:
	Securities - available-for-sale		$	14,580,128	$	0	$	14,580,128	$	0	$	14,580,128
	Securities - held-to-maturity			9,225,102		0		9,370,915		0		9,370,915
	Loans, net of allowance			115,540,724		0		4,990,481		113,024,982		118,015,463
	Federal Home Loan Bank stock			1,049,800		0		1,049,800		0		1,049,800
	Liabilities:
	Deposit accounts and advances by borrowers			114,686,767		0		0		114,917,072		114,917,072
	Advances from the FHLB			20,000,000		0		0		20,549,103		20,549,103
			December 31, 2013
					Estimated Fair Value
			Carrying		Level One		Level Two		Level Three		Total
			Value
	Assets:
	Securities - available-for-sale		$	16,354,661	$	0	$	16,354,661	$	0	$	16,354,661
	Securities - held-to-maturity			8,069,424		0		8,101,210		0		8,101,210
	Loans, net of allowance			114,577,707		0		4,300,817		112,002,812		116,303,629
	Federal Home Loan Bank stock			1,103,700		0		1,103,700		0		1,103,700
	Liabilities:
	Deposit accounts and advances by borrowers			118,759,093		0		0		119,172,829		119,172,829
	Advances from the FHLB			20,000,000		0		0		20,590,659		20,590,659
	(a) Securities - The fair value of securities excluding Federal Home Loan Bank stock, is based on bid prices received from an external pricing service or bid quotations received from securities dealers.
	(b) Loans - Loans were segmented into portfolios with similar financial characteristics. Loans were also segmented by loan category. Each loan category was further segmented by fixed and adjustable rate interest terms and performing and nonperforming categories. The fair value of residential loans was calculated by discounting anticipated cash flows based on weighted-average contractual maturity, weighted-average coupon, and discount rate.
	The fair value for nonperforming loans was determined by reducing the carrying value of nonperforming loans by the Company’s historical loss percentage for each specific loan category.
	(c) Federal Home Loan Bank Stock - The fair value of Federal Home Loan Bank stock approximates its carrying value based on the redemption provisions of the Federal Home Loan Bank.
	(d) Deposits and Advances by Borrowers - The fair value of deposits with no stated maturity, such as noninterest bearing deposits, interest-bearing NOW accounts, money market and statement savings accounts, is deemed to be equal to the carrying amounts. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate for certificates of deposit was estimated using the rate currently offered for deposits of similar remaining maturities.
	(e) Advances from the FHLB - Fair values are estimated by discounting carrying values using a cash flow approach based on market rates as of September 30, 2014 and December 31, 2013.
	(f) Off-Balance Sheet Financial Instruments - The Company’s adjustable rate commitments to extend credit move with market rates and are not subject to interest rate risk. The rates and terms of the Company’s fixed rate commitments to extend credit are competitive with others in the various markets in which the Company operates. The fair values of these instruments are immaterial.
	(g) Limitations - Fair value estimates are made at a specific point in time, based on relevant market information and information about financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect estimates.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2014
EARNINGS PER SHARE	'
	10	EARNINGS PER SHARE
	The factors used in the earnings per share computation are as follows:
			For the Three Months Ended						For the Nine Months Ended
			September 30,			September 30,			September 30,			September 30,
			2014			2013			2014			2013
	Basic
	Net (Loss) Income		$	(144,818	)	$	(91,129	)	$	(82,722	)	$	76,842
	Weighted average common shares outstanding			1,389,420			1,436,543			1,391,742			1,455,284
	Basic (loss) earnings per common share		$	(.10	)	$	(.07	)	$	(.06	)	$	0.06
	Diluted
	Net (Loss) Income		$	(144,818	)	$	(91,129	)	$	(82,722	)	$	76,842
	Weighted average common shares outstanding for basic earnings per common share			1,389,420			1,436,543			1,391,742			1,455,284
	Add: Dilutive effects of common stock equivalents			0			0			0			0
	Average shares and dilutive potential common shares			1,389,420			1,436,543			1,391,742			1,455,284
	Diluted (loss) earnings per common share		$	(.10	)	$	(.07	)	$	(.06	)	$	0.06

RECENT_ACCOUNTING_PRONOUNCEMEN

RECENT ACCOUNTING PRONOUNCEMENTS	9 Months Ended
	Sep. 30, 2014
RECENT ACCOUNTING PRONOUNCEMENTS	'
	11	RECENT ACCOUNTING PRONOUNCEMENTS
	In July 2013, the FASB issued ASU No. 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists, which provides that an unrecognized tax benefit, or a portion thereof, should 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 to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, then the unrecognized tax benefit should be presented as a liability. Early adoption and retrospective application is permitted. ASU 2013-11 became effective for the Company on January 1, 2014 and did not have a significant impact on its financial position or results of operations.
	In January 2014, the FASB issued ASU No. 2014-4, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force). The guidance clarifies when an “in substance repossession or foreclosure” occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized. ASU 2014-04 states that a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure, or the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. The amendments of ASU 2014-04 also require interim and annual disclosure of both the amount of foreclosed residential real estate property held by the creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure. The amendments of ASU 2014-04 are effective for the Company on January 1, 2015, and may be applied using either a modified retrospective transition method or a prospective transition method as described in ASU 2014-04. The Company will evaluate these amendments but does not believe they will have an impact on its financial position or results of operations.
	In May 2014, the FASB issued an update (ASU No. 2014-09, Revenue from Contracts with Customers) creating FASB Topic 606, Revenue from Contracts with Customers. The guidance in this update affects any entity that either enters into contract with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (for example, insurance contracts or lease contracts). The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The guidance provides steps to follow to achieve the core principle. An entity should disclose sufficient information to enable users of financial statements to understand the nature, amount, timing and uncertainty of revenue and cash flows arising from contracts with customers. Qualitative and quantitative information is required about contracts with customers, significant judgments and changes in judgments, and assets recognized from the costs to obtain or fulfill a contract. The amendments in this update are effective for interim and annual reporting periods beginning after December 15, 2016. We are currently evaluating the impact of adopting the new guidance on the consolidated financial statements.

NATURE_OF_OPERATIONS_AND_SUMMA1

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2014
Nature of Operations	'
	Nature of Operations
	Fraternity Community Bancorp, Inc. (the “Company”) was incorporated on October 12, 2010 to serve as the holding company for Fraternity Federal Savings & Loan Association (the “Bank”), a federally chartered savings bank. On March 31, 2011, in accordance with a Plan of Conversion adopted by its Board of Directors and approved by its members, the Bank converted from a federal mutual savings bank to a federal stock savings bank and became the wholly owned subsidiary of the Company. The conversion was accomplished through the sale and issuance of 1,587,000 shares of common stock at a price of $10.00 per share, through which the Company received proceeds of approximately $14,968,600, net of offering expenses of approximately $901,400. In connection with the conversion, the Bank’s Board of Directors adopted an employee stock ownership plan (the “ESOP”) which subscribed for 8% of the sum of the number of shares, or 126,960 shares of common stock sold in the offering. All material intercompany accounts and transactions have been eliminated in consolidation.
	In accordance with the Office of the Comptroller of the Currency (the “OCC”) regulations, upon the completion of the conversion, the Bank restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder’s interest in the liquidation account. In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 8 of Regulation S-X as promulgated by the Securities and Exchange Commission (the “SEC”). Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Operating results for the nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014, or any other period. For further information, refer to the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. Certain amounts from prior period financial statements may have been reclassified to conform to the current period’s presentation.
	Nature of Operations
	Fraternity Federal Savings and Loan (the “Bank”) provides a full range of banking services to individuals and businesses through its main office and three branches in the Baltimore metropolitan area. Its primary deposit products are certificates of deposit and demand, savings, NOW, and money market accounts. Its primary lending products are consumer loans and real estate mortgages.
Use of Estimates	'
	Use of Estimates
	The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Earnings per Common Share	'
	Earnings per Common Share
	Basic earnings per common share is net income available to common shareholders divided by the weighted average number of common shares outstanding during the period, excluding unallocated ESOP shares. Diluted earnings per share includes the dilutive effect of additional potential common shares issuable under stock options outstanding and restricted stock grants.
Stock-Based Compensation	'
	Stock-Based Compensation
	Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Comprehensive Income	'
	Comprehensive Income
	Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available for sale, net of related taxes, which are also recognized as separate components of shareholders’ equity.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2014
Amortized Cost and Fair Value of Investment Securities	'
	The amortized cost and fair values of investment securities are as follows:
		September 30, 2014
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	Available-for-sale:
	Bank Notes and Corporate Bonds	$	1,500,000	$	3,105	$	0	$	1,503,105
	Obligations of U.S. Government Agencies		5,997,836		0		360,596		5,637,240
	Municipal Bonds		1,000,000		24,570		0		1,024,570
	Mortgage-backed securities:
	FNMA		4,470,096		8,678		68,753		4,410,021
	GNMA		995,525		18,399		0		1,013,924
	FHLMC		2,988		0		0		2,988
	Federal Agency CMO		772,346		0		38,401		733,945
	Private Label CMO		251,324		3,011		0		254,335
		$	14,990,115	$	57,763	$	467,750	$	14,580,128
		September 30, 2014
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	Held-to-maturity:
	Municipal Bonds	$	2,103,800	$	68,853	$	15,744	$	2,156,909
	SBA Pools		2,447,294		0		65,383		2,381,911
	Mortgage-backed securities:
	FNMA		4,674,008		158,087		0		4,832,095
		$	9,225,102	$	226,940	$	81,127	$	9,370,915
		December 31, 2013
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	Available-for-sale:
	Bank Notes and Corporate Bonds	$	1,500,000	$	0	$	1,845	$	1,498,155
	Obligations of U.S. Government Agencies		5,997,686		0		759,026		5,238,660
	Municipal Bonds		1,000,000		0		88,700		911,300
	Mortgage-backed securities:
	FNMA		5,945,252		24,257		191,649		5,777,860
	GNMA		1,186,994		7,640		21,492		1,173,142
	FHLMC		623,033		4,343		911		626,465
	Federal Agency CMO		909,604		0		68,664		840,940
	Private Label CMO		283,206		4,933		0		288,139
		$	17,445,775	$	41,173	$	1,132,287	$	16,354,661
		31-Dec-13
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	Held-to-maturity:
	Municipal Bonds	$	2,123,116	$	3,863	$	52,573	$	2,074,406
	SBA Pools		1,197,400		0		54,447		1,142,953
	Mortgage-backed securities:
	FNMA		4,748,908		137,053		2,110		4,883,851
		$	8,069,424	$	140,916	$	109,130	$	8,101,210
Amortized Cost and Fair Value of Debt Securities by Contractual Maturities	'
	The amortized cost and fair value of debt securities at September 30, 2014 and December 31, 2013 by contractual maturities are shown below. Expected maturities may differ from contractual maturities because borrowers may have to call or repay obligations with or without call or prepayment penalties.
		September 30, 2014
		Available-for-Sale
		Amortized		Fair
		Cost		Value
	Due in less than one year	$	1,500,000	$	1,503,105
	Due in five years through ten years		591,798		600,217
	Due after ten years		12,898,317		12,476,806
		$	14,990,115	$	14,580,128
		30-Sep-14
		Held-to-Maturity
		Amortized		Fair
		Cost		Value
	Due in one year through five years	$	3,236,938	$	3,333,676
	Due in five years through ten years		4,132,530		4,169,581
	Due after ten years		1,855,634		1,867,658
		$	9,225,102	$	9,370,915
		December 31, 2013
		Available-for-Sale
		Amortized		Fair
		Cost		Value
	Due in less than one year	$	1,500,000	$	1,498,155
	Due in one year through five years		7,415		7,364
	Due in five years through ten years		778,271		786,833
	Due after ten years		15,160,089		14,062,309
		$	17,445,775	$	16,354,661
		31-Dec-13
		Held-to-Maturity
		Amortized		Fair
		Cost		Value
	Due in one year through five years	$	3,541,943	$	3,649,827
	Due in five years through ten years		2,072,862		2,036,709
	Due after ten years		2,454,619		2,414,674
		$	8,069,424	$	8,101,210
Securities with Unrealized Losses, Segregated by Length of Impairment	'
	Securities with unrealized losses, segregated by length of impairment, as of September 30, 2014 and December 31, 2013 were as follows:
		Less than 12 Months				More than 12 Months				Total
		Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	September 30, 2014
	Available-for-sale:
	Obligations of U.S. Government Agencies	$	0	$	0	$	5,637,240	$	360,596	$	5,637,240	$	360,596
	Mortgage-backed securities:
	FNMA		0		0		3,804,045		68,753		3,804,045		68,753
	Federal Agency CMO		0		0		733,945		38,401		733,945		38,401
		$	0	$	0	$	10,175,230	$	467,750	$	10,175,230	$	467,750
	Held-to-Maturity:
	Municipal Bonds	$	0	$	0	$	503,648	$	15,744	$	503,648	$	15,744
	SBA Pools		1,562,688		11,992		884,606		53,391		2,447,294		65,383
		$	1,562,688	$	11,992	$	1,388,254	$	69,135	$	2,950,942	$	81,127
		Less than 12 Months				More than 12 Months				Total
		Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	December 31, 2013
	Available-for-sale:
	Bank Notes and Corporate Bonds	$	0	$	0	$	1,498,155	$	1,845	$	1,498,155	$	1,845
	Obligations of U.S. Government Agencies		3,944,880		552,806		1,293,780		206,220		5,238,660		759,026
	Municipal Bonds		911,300		88,700		0		0		911,300		88,700
	Mortgage-backed securities:
	FNMA		3,949,576		191,457		21,661		192		3,971,237		191,649
	GNMA		1,109,080		21,492		0		0		1,109,080		21,492
	FHLMC		414,957		911		0		0		414,957		911
	Federal Agency CMO		0		0		840,940		68,664		840,940		68,664
		$	10,329,793	$	855,366	$	3,654,536	$	276,921	$	13,984,329	$	1,132,287
	Held-to-Maturity:
	Municipal Bonds	$	1,058,760	$	18,530	$	474,706	$	34,043	$	1,533,466	$	52,573
	SBA Pools		814,974		25,278		327,979		29,169		1,142,953		54,447
	Mortgage-backed securities:
	FNMA		1,562,003		2,110		0		0		1,562,003		2,110
		$	3,435,737	$	45,918	$	802,685	$	63,212	$	4,238,422	$	109,130

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	9 Months Ended
	Sep. 30, 2014
Loans and Allowance for Loan losses	'
	Loans and allowance for loan losses consisted of the following:
			September 30, 2014				December 31, 2013
	Real Estate Loans:
	Owner Occupied One- to- four family		$	78,791,717			$	79,190,821
	Non Owner Occupied One- to- four family			12,377,690				12,405,389
	Home Equity Lines of Credit			7,206,269				8,129,950
	Commercial Real Estate			15,786,642				13,164,122
	Residential Construction			2,231,127				2,463,458
	Land			943,633				685,464
	Total Real Estate Loans			117,337,078				116,039,204
	Consumer Loans			53,646				66,503
	Commercial Loans			0				0
	Total Loans			117,390,724				116,105,707
	Less:
	Allowance for loan losses			(1,850,000	)			(1,528,000	)
	Total loans and allowance for loan losses		$	115,540,724			$	114,577,707
Credit Risk Analysis of Loans Receivable	'
	The following tables show credit quality indicators, the aging of receivables, and disaggregated balances of loans receivable and the allowance for loan losses as of September 30, 2014 and December 31, 2013:
	Credit Risk Analysis of Loans Receivable
	As of September 30, 2014
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	Pass		$	78,336,305			$	10,573,620			$	7,080,448			$	14,637,102		$	2,231,127		$	943,633		$	53,646		$	0		$	113,855,881
	Special Mention			263,485				0				0				0			0			0			0			0			263,485
	Substandard			191,927				1,804,070				125,821				1,149,540			0			0			0			0			3,271,358
	Total		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	Credit risk profile based on payment activity:
	Performing		$	78,599,790			$	10,573,620			$	7,080,448			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	115,268,906
	Nonperforming			191,927				1,804,070				125,821				0			0			0			0			0			2,121,818
	Total		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	Credit Risk Analysis of Loans Receivable
	As of December 31, 2013
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	Pass		$	78,205,713			$	10,065,786			$	7,840,054			$	11,996,653		$	2,463,458		$	685,464		$	66,503		$	0		$	111,323,631
	Special Mention			457,008				2,077,313				0				0			0			0			0			0			2,534,321
	Substandard			528,100				262,290				289,896				1,167,469			0			0			0			0			2,247,755
	Total		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
	Credit risk profile based on payment activity:
	Performing		$	78,662,721			$	12,143,099			$	7,840,054			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	115,025,421
	Nonperforming			528,100				262,290				289,896				0			0			0			0			0			1,080,286
	Total		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
Aged Analysis of Past Due Loans Receivable	'
	Aged Analysis of Past Due Loans Receivable
	As of September 30, 2014
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	30-59 Days Past Due		$	117,445			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	117,445
	60-89 Days Past Due			0				0				59,925				0			0			0			0			0			59,925
	Greater Than 90 Days Past Due			93,069				1,799,831				0				0			0			0			0			0			1,892,900
	Total Past Due			210,514				1,799,831				59,925				0			0			0			0			0			2,070,270
	Current			78,581,203				10,577,859				7,146,344				15,786,642			2,231,127			943,633			53,646			0			115,320,454
	Total Loans Receivable		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	Recorded Investment > 90 Days and Accruing		$	0			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	0
	Aged Analysis of Past Due Loans Receivable
	As of December 31, 2013
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	30-59 Days Past Due		$	224,165			$	0			$	24,493			$	0		$	0		$	0		$	0		$	0		$	248,658
	60-89 Days Past Due			3,001				0				0				0			0			0			0			0			3,001
	Greater Than 90 Days Past Due			450,480				263,486				90,192				0			0			0			0			0			804,158
	Total Past Due			677,646				263,486				114,685				0			0			0			0			0			1,055,817
	Current			78,513,175				12,141,903				8,015,265				13,164,122			2,463,458			685,464			66,503			0			115,049,890
	Total Loans Receivable		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
	Recorded Investment > 90 Days and Accruing		$	0			$	0			$	0			$	0		$	0		$	0		$	0		$	0		$	0
Activity in Allowance for Loan Losses	'
	The following tables detail activity in the allowance for loan losses for the three and nine months ended September 30, 2014 and 2013. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Unallocated			Total
			Occupied 1-				Occupied				Lines of Credit				Real Estate
			4 Family				1-4 Family
			Residential				Residential
	Three months ended:
	September 30, 2014:
	Beginning Balance		$	784,340			$	339,926			$	97,264			$	157,676		$	23,532		$	8,495		$	820		$	0		$	115,947		$	1,528,000
	(Recovery of) provision for loan losses			(9,988	)			228,404				1,544				190			(1,221	)		3,300			(149	)		0			97,471			319,551
	Charge-offs			(185	)			0				0				0			0			0			0			0			0			(185	)
	Recoveries			1,605				0				1,029				0			0			0			0			0			0			2,634
	Net recoveries			1,420				0				1,029				0			0			0			0			0			0			2,449
	Ending Balance		$	775,772			$	568,330			$	99,837			$	157,866		$	22,311		$	11,795		$	671		$	0		$	213,418		$	1,850,000
	Three months ended:
	September 30, 2013:
	Beginning Balance		$	797,121			$	266,468			$	61,965			$	170,490		$	18,930		$	14,223		$	852		$	250		$	19,701		$	1,350,000
	Provision for (recovery of) loan losses			110,716				91,941				(3,892	)			(39,987	)		8,562			(5,619	)		767			(59	)		(19,130	)		143,299
	Charge-offs			0				0				0				0			0			0			0			0			0			0
	Recoveries			3,702				3,000				999				0			0			0			0			0			0			7,701
	Net recoveries			3,702				3,000				999				0			0			0			0			0			0			7,701
	Ending Balance		$	911,539			$	361,409			$	59,072			$	130,503		$	27,492		$	8,604		$	1,619		$	191		$	571		$	1,501,000
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Unallocated			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	Nine months ended:
	September 30, 2014:
	Beginning Balance		$	901,766			$	353,240			$	106,851			$	131,641		$	24,635		$	8,568		$	924		$	0		$	375		$	1,528,000
	(Recovery of) provision for loan losses			(219,837	)			215,090				(10,051	)			26,225			(2,324	)		3,227			(253	)		0			213,043			225,120
	Charge-offs			(185	)			0				0				0			0			0			0			0			0			(185	)
	Recoveries			94,028				0				3,037				0			0			0			0			0			0			97,065
	Net recoveries			93,843				0				3,037				0			0			0			0			0			0			96,880
	Ending Balance		$	775,772			$	568,330			$	99,837			$	157,866		$	22,311		$	11,795		$	671		$	0		$	213,418		$	1,850,000
	Nine months ended:
	September 30, 2013:
	Beginning Balance		$	810,892			$	206,099			$	74,807			$	191,357		$	36,945		$	32,217		$	868		$	240		$	41,575		$	1,395,000
	Provision for (recovery of) loan losses			120,222				218,389				(18,732	)			(60,854	)		(9,453	)		(77,863	)		751			(49	)		(41,004	)		131,407
	Charge-offs			(25,777	)			(66,079	)			0				0			0			0			0			0			0			(91,856	)
	Recoveries			6,202				3,000				2,997				0			0			54,250			0			0			0			66,449
	Net (charge-offs) recoveries			(19,575	)			(63,079	)			2,997				0			0			54,250			0			0			0			(25,407	)
	Ending Balance		$	911,539			$	361,409			$	59,072			$	130,503		$	27,492		$	8,604		$	1,619		$	191		$	571		$	1,501,000
Amounts Evaluated for Impairment Collectively and Individually Allocated to each Portfolio Segment	'
	The following table details the amounts evaluated for impairment collectively and individually allocated to each portfolio segment as of September 30, 2014, December 31, 2013 and September 30, 2013, detailed on the basis of the impairment methodology used by the Company.
			Owner				Non Owner				Home Equity				Commercial			Construction			Land			Consumer			Commercial			Total
			Occupied				Occupied				Lines of Credit				Real Estate
			1-4 Family				1-4 Family
			Residential				Residential
	September 30, 2014:
	Loans individually evaluated for impairment		$	3,458,455			$	1,804,070			$	320,963			$	0		$	0		$	0		$	0		$	0		$	5,583,488
	Loans collectively evaluated for impairment		$	75,333,262			$	10,573,620			$	6,885,306			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	111,807,236
	Balance at September 30, 2014		$	78,791,717			$	12,377,690			$	7,206,269			$	15,786,642		$	2,231,127		$	943,633		$	53,646		$	0		$	117,390,724
	December 31, 2013:
	Loans individually evaluated for impairment		$	3,815,829			$	262,289			$	497,706			$	0		$	0		$	0		$	0		$	0		$	4,575,824
	Loans collectively evaluated for impairment		$	75,374,992			$	12,143,100			$	7,632,244			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	111,529,883
	Balance at December 31, 2013		$	79,190,821			$	12,405,389			$	8,129,950			$	13,164,122		$	2,463,458		$	685,464		$	66,503		$	0		$	116,105,707
	September 30, 2013:
	Loans individually evaluated for impairment		$	4,083,976			$	269,289			$	593,678			$	0		$	0		$	0		$	0		$	0		$	4,946,943
	Loans collectively evaluated for impairment		$	76,141,927			$	11,608,408			$	7,876,209			$	13,050,291		$	2,749,178		$	688,329		$	76,382		$	13,273		$	112,203,997
	Balance at September 30, 2013		$	80,225,903			$	11,877,697			$	8,469,887			$	13,050,291		$	2,749,178		$	688,329		$	76,382		$	13,273		$	117,150,940
Nonperforming Assets and Troubled Debt Restructurings	'
	Information with respect to nonperforming assets and troubled debt restructurings at September 30, 2014 and December 31, 2013 is as follows:
			September 30, 2014				December 31, 2013
	Non-Accrual Loans:
	Owner-occupied one- to- four family		$	191,927			$	528,100
	Non owner-occupied one- to- four family			1,804,070				262,290
	Home Equity Lines of credit			125,821				289,896
	Total Non-Accrual Loans			2,121,818				1,080,286
	Other Real Estate Owned, net			22,500				1,921,706
	Loans 90 days or more past due and still accruing			0				0
	Total Nonperforming Assets			2,144,318				3,001,992
	Troubled Debt Restructurings			3,461,670				3,881,957
	Troubled Debt Restructurings included In Non-Accrual Loans			(0	)			(386,419	)
	Troubled Debt Restructurings and Total Nonperforming Assets		$	5,605,988			$	6,497,530
Impaired Loans	'
	The following table presents loans individually evaluated for impairment by class of loan as of September 30, 2014 and December 31, 2013:
			As of September 30, 2014												As of December 31, 2013
			Recorded				Unpaid Principal				Related				Recorded			Unpaid Principal			Related
			Investment				Balance				Allowance				Investment			Balance			Allowance
	With no allowance recorded:
	Owner Occupied one- to- four family residential		$	640,629			$	651,525			$	0			$	782,371		$	810,780		$	0
	Non Owner Occupied one- to- four family residential			139,823				205,902				0				16,751			82,830			0
	Home Equity Lines of Credit			320,963				320,963				0				497,706			567,234			0
	Total with no allowance		$	1,101,415			$	1,178,390			$	0			$	1,296,828		$	1,460,844		$	0
	With an allowance recorded:
	Owner Occupied one- to- four family residential		$	2,817,826			$	2,817,826			$	210,773			$	3,033,457		$	3,033,457		$	210,773
	Non Owner Occupied one- to- four family residential			1,664,247				1,691,978				382,234				245,539			273,270			64,234
	Total with an allowance		$	4,482,073			$	4,509,804			$	593,007			$	3,278,996		$	3,306,727		$	275,007
	Grand total:
	Owner Occupied one- to- four family residential		$	3,458,455			$	3,469,351			$	210,773			$	3,815,828		$	3,844,237		$	210,773
	Non Owner Occupied one- to- four family residential			1,804,070				1,897,880				382,234				262,290			356,100			64,234
	Home Equity Lines of Credit			320,963				320,963				0				497,706			567,234			0
	Grand total		$	5,583,488			$	5,688,194			$	593,007			$	4,575,824		$	4,767,571		$	275,007
	Information on impaired loans for the three and nine months ended September 30, 2014 is as follows:
			For the Three Months Ended								For the Nine Months Ended
			September 30, 2014								September 30, 2014
			Average				Interest				Average				Interest
			Recorded				Income				Recorded				Income
			Investment				Recognized				Investment				Recognized
	With no allowance recorded:
	Owner Occupied one- to- four family residential		$	441,720			$	7,214			$	443,104			$	17,355
	Non Owner Occupied one- to- four family residential			78,287				0				57,775				2,312
	Home Equity Lines of Credit			419,877				5,323				444,368				14,459
	Total with no allowance		$	939,884			$	12,537			$	945,247			$	34,126
	With an allowance recorded:
	Owner Occupied one- to- four family residential		$	2,808,445			$	23,167			$	2,811,329			$	69,277
	Non Owner Occupied one- to- four family residential			725,237				0				541,093				25,111
	Total with an allowance		$	3,533,682			$	23,167			$	3,352,422			$	94,388
	Grand total:
	Owner Occupied one- to- four family residential		$	3,250,165			$	30,381			$	3,254,433			$	86,632
	Non Owner Occupied one- to- four family residential			803,524				0				598,868				27,423
	Home Equity Lines of Credit			419,877				5,323				444,368				14,459
	Grand total		$	4,473,566			$	35,704			$	4,297,669			$	128,514
	Information on impaired loans for the three and nine months ended September 30, 2013 is as follows:
			For the Three Months Ended								For the Nine Months Ended
			September 30, 2013								September 30, 2013
			Average				Interest				Average				Interest
			Recorded				Income				Recorded				Income
			Investment				Recognized				Investment				Recognized
	With no allowance recorded:
	Owner Occupied one- to- four family residential		$	1,482,732			$	4,400			$	1,879,046			$	13,866
	Non Owner Occupied one- to- four family residential			150,520				0				199,082				0
	Home Equity Lines of Credit			550,819				6,543				471,586				18,137
	Land			0				0				31,000				0
	Total with no allowance		$	2,184,071			$	10,943			$	2,580,714			$	32,003
	With an allowance recorded:
	Owner Occupied one- to- four family residential		$	2,830,981			$	43,772			$	2,589,404			$	66,793
	Non Owner Occupied one- to- four family residential			94,153				0				62,768				0
	Total with an allowance		$	2,925,134			$	43,772			$	2,652,172			$	66,793
	Grand total:
	Owner Occupied one- to- four family residential		$	4,313,713			$	48,172			$	4,468,450			$	80,659
	Non Owner Occupied one- to- four family residential			244,673				0				261,850				0
	Home Equity Lines of Credit			550,819				6,543				471,586				18,137
	Land			0				0				31,000				0
	Grand total		$	5,109,205			$	54,715			$	5,232,886			$	98,796
Summary of Impaired Loans that were Modified due to TDR	'
	Modifications for the Nine Months Ended September 30, 2014
			Number of				Pre-Modification				Post-Modification
			Contracts				Outstanding				Outstanding
							Recorded				Recorded
							Investments				Investments
	Troubled Debt Restructuring:
	Owner occupied one- to- four family residential			0			$	0			$	0
	Modifications for the Nine Months Ended September 30, 2013
			Number of				Pre-Modification				Post-Modification
			Contracts				Outstanding				Outstanding
							Recorded				Recorded
							Investments				Investments
	Troubled Debt Restructuring:
	Owner occupied one- to- four family residential			1			$	769,303			$	748,393
	Modifications for the Three Months Ended September 30, 2014
			Number of				Pre-Modification				Post-Modification
			Contracts				Outstanding				Outstanding
							Recorded				Recorded
							Investments				Investments
	Troubled Debt Restructuring:
	Owner occupied one- to- four family residential			0			$	0			$	0
	Modifications for the Three Months Ended September 30, 2013
			Number of				Pre-Modification				Post-Modification
			Contracts				Outstanding				Outstanding
							Recorded				Recorded
							Investments				Investments
	Troubled Debt Restructuring:
	Owner occupied one- to- four family residential			0			$	0			$	0
Loans by Loan Class Modified as TDR's	'
	The following table presents loans by loan class modified as TDR’s within the previous twelve months from, and for which there was a payment default (90 days or more past due) during the three and nine months ended September 30, 2014 and 2013:
	Three Months Ended September 30, 2014								Nine Months Ended September 30, 2014
	Number of				Recorded				Number of				Recorded
	Contracts				Investment				Contracts				Investment
		0			$	0				0			$	0
	Three Months Ended September 30, 2013								Nine Months Ended September 30, 2013
	Number of				Recorded				Number of				Recorded
	Contracts				Investment				Contracts				Investment
		2			$	646,141				2			$	646,141
Troubled Debt Restructuring	'
Impaired Loans	'
	The following table reflects impaired loans as of September 30, 2014 and December 31, 2013. A loan is impaired when it is not likely the lender will collect the full value of the loan because the creditworthiness of a borrower has fallen.
			September 30, 2014				December 31, 2013
	Impaired performing loans:
	Owner occupied one- to- four family		$	0			$	0
	Non owner occupied one- to- four family			0				0
	Home equity lines of credit			0				0
	Commercial			0				0
	Construction			0				0
	Land			0				0
	Troubled debt restructurings:
	Owner occupied one- to- four family			3,266,528				3,287,728
	Non owner occupied one- to- four family			0				0
	Home equity lines of credit			195,142				207,810
	Commercial			0				0
	Construction			0				0
	Land			0				0
	Total impaired performing loans			3,461,670				3,495,538
	Impaired nonperforming loans (nonaccrual):
	Owner occupied one- to- four family			191,927				141,681
	Non owner occupied one- to- four family			1,804,070				262,290
	Home equity lines of credit			125,821				289,896
	Commercial			0				0
	Construction			0				0
	Land			0				0
	Troubled debt restructurings:
	Owner occupied one- to- four family			0				386,419
	Non owner occupied one- to- four family			0				0
	Home equity lines of credit			0				0
	Commercial			0				0
	Construction			0				0
	Land			0				0
	Total impaired nonperforming loans (nonaccrual)			2,121,818				1,080,286
	Total impaired loans		$	5,583,488			$	4,575,824

EMPLOYEE_RETIREMENT_PLANS_Tabl

EMPLOYEE RETIREMENT PLANS (Tables)	9 Months Ended
	Sep. 30, 2014
Summary of Employee Stock Ownership Plan Shares	'
	A summary of ESOP shares at September 30, 2014 and 2013 is as follows:
		2014		2013
	Shares committed for release		39,675		29,095
	Unearned shares		87,285		97,865
	Total ESOP shares		126,960		126,960
	Fair Value of unearned shares	$	1,309,275	$	1,345,644

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2014
Weighted Average Assumptions Used to Determine Fair Value of Options	'
	The fair value of options granted during 2013 was determined using the following weighted-average assumptions as of grant date.
		2013
	Risk-free interest rate		0.25	%
	Expected term		10.0 years
	Expected stock price volatility		24.36	%
	Dividend yield		0	%
Summary of Stock Option Activity	'
	A summary of stock option activity for the nine months ended September 30, 2014 and twelve months ended December 31, 2013 is as follows:
		Shares			Weighted		Weighted		Aggregate
					Average		Average		Intrinsic
					Exercise		Remaining		Value
					Price		Contractual
							Term
	September 30, 2014:
	Outstanding at beginning of year		69,600		$	13.65		10.0 years	$	38,280
	Granted		0			0				0
	Exercised		0			0				0
	Forfeited, exchanged or expired		(0	)		0				0
	Outstanding at end of period		69,600		$	13.65		9.1 years	$	38,280
	Exercisable at end of period		17,400		$	13.65		9.1 years	$	9,570
		Shares			Weighted		Weighted		Aggregate
					Average		Average		Intrinsic
					Exercise		Remaining		Value
					Price		Contractual
							Term
	December 31, 2013:
	Outstanding at beginning of year		0		$	0			$	0
	Granted		69,600			13.65		10.0 years		38,280
	Exercised		0			0				0
	Forfeited, exchanged or expired		(0	)		0				0
	Outstanding at end of year		69,600		$	13.65		9.8 years	$	38,280
	Exercisable at end of year		17,400		$	13.65		9.8 years	$	9,570
Summary of Changes in Nonvested Shares	'
	A summary of changes in the Company’s nonvested shares for the nine months ended September 30, 2014 and twelve months ended December 31, 2013 is as follows:
		Shares			Weighted-Average
					Grant-Date
					Fair Value
	Nonvested at January 1, 2014		24,748		$	12.75
	Granted		0			0
	Vested		(8,252	)		0
	Forfeited		(0	)		0
	Nonvested at September 30, 2014		16,496		$	12.75
		Shares			Weighted-Average
					Grant-Date
					Fair Value
	Nonvested at January 1, 2013		0		$	0
	Granted		33,000			12.75
	Vested		(8,252	)		12.75
	Forfeited		(0	)		0
	Nonvested at December 31, 2013		24,748		$	12.75

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	9 Months Ended
	Sep. 30, 2014
Details of Bank Capital Position	'
	The following table details the Bank’s capital position:
		Actual					For Capital Adequacy Purposes
							and to be Well Capitalized
							Under the Prompt Corrective
							Action Provisions
		Amount		Ratio			Amount		Ratio
		(dollars in thousands)					(dollars in thousands)
	As of September 30, 2014:
	Total Risk-Based Capital (to risk-weighted assets)	$	24,798		27.26	%	$	9,097		10	%
	Tier I Capital (to risk-weighted assets)	$	23,652		26	%	$	5,458		6	%
	Tier I Capital (to adjusted total assets)	$	23,652		14.53	%	$	8,139		5	%
		Actual					For Capital Adequacy Purposes
							and to be Well Capitalized
							Under the Prompt Corrective
							Action Provisions
		Amount		Ratio			Amount		Ratio
		(dollars in thousands)					(dollars in thousands)
	As of December 31, 2013:
	Total Risk-Based Capital (to risk-weighted assets)	$	24,857		26.96	%	$	9,220		10	%
	Tier I Capital (to risk-weighted assets)	$	23,700		25.71	%	$	5,531		6	%
	Tier I Capital (to adjusted total assets)	$	23,700		14.19	%	$	8,351		5	%

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Sep. 30, 2014
Changes in Component of Accumulated Other Comprehensive Income (Loss), Net of Tax	'
	The following table presents the changes in each component of accumulated other comprehensive income (loss), net of tax, for the three and nine months ended September 30, 2014 and 2013:
		For the Three Months Ended						For the Nine Months Ended
		September 30,			September 30,			September 30,			September 30,
		2014			2013			2014			2013
		Net Unrealized			Net Unrealized			Net Unrealized			Net Unrealized
		Gain and Losses			Gain and Losses			Gain and Losses			Gain and Losses
		on Investment			on Investment			on Investment			on Investment
		Securities			Securities			Securities			Securities
	Beginning Balance	$	(274,275	)	$	(457,642	)	$	(669,725	)	$	74,301
	Other comprehensive income (loss) before reclassifications		27,104			(88,398	)		422,554			(594,340	)
	Amounts reclassified from accumulated other comprehensive loss		(1,097	)		0			(1,097	)		(26,001	)
	Net current period other comprehensive income (loss)		26,007			(88,398	)		421,457			(620,341	)
	Ending Balance	$	(248,268	)	$	(546,040	)	$	(248,268	)	$	(546,040	)
Reclassifications Out of Accumulated Other Comprehensive (Loss) Income	'
	The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the nine months ended September 30, 2014 and 2013:
		September 30, 2014			September 30, 2013
		Amount Reclassified			Amount Reclassified			Affected Line Item in
		from Accumulated			from Accumulated			the Statement Where
		Other Comprehensive			Other Comprehensive			Net Income Is
		Income			Income			Presented
	Reclassification adjustment for realized gains	$	(1,828	)	$	(43,335	)	Non-Interest Income
			731			17,334		Income Tax Expense
	Total Reclassification for the Period	$	(1,097	)	$	(26,001	)	Net of Tax

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2014
Assets Measured at Fair Value on Recurring Basis	'
	The following table presents the Bank’s assets measured at fair value on a recurring basis:
		Fair Value at		Quoted Prices in		Significant		Significant
		September 30,		Active Markets		Other		Unobservable
		2014		for Identical		Observable		Inputs
				Assets		Inputs		(Level 3)
				(Level 1)		(Level 2)
	Available-for-sale securities:
	Bank Notes and Corporate Bonds	$	1,503,105	$	0	$	1,503,105	$	0
	Obligations of U.S. Government agencies		5,637,240		0		5,637,240		0
	Municipal Bonds		1,024,570		0		1,024,570		0
	FNMA		4,410,021		0		4,410,021		0
	GNMA		1,013,924		0		1,013,924		0
	FHLMC		2,988		0		2,988		0
	Federal Agency CMO		733,945		0		733,945		0
	Private label CMO		254,335		0		254,335		0
		$	14,580,128	$	0	$	14,580,128	$	0
	Total assets measured at fair value	$	14,580,128	$	0	$	14,580,128	$	0
		Fair Value at		Quoted Prices in		Significant		Significant
		December 31,		Active Markets		Other		Unobservable
		2013		for Identical		Observable		Inputs
				Assets		Inputs		(Level 3)
				(Level 1)		(Level 2)
	Available-for-sale securities:
	Bank Notes and Corporate Bonds	$	1,498,155	$	0	$	1,498,155	$	0
	Obligations of U.S. Government agencies		5,238,660		0		5,238,660		0
	Municipal Bonds		911,300		0		911,300		0
	FNMA		5,777,860		0		5,777,860		0
	GNMA		1,173,142		0		1,173,142		0
	FHLMC		626,465		0		626,465		0
	Federal Agency CMO		840,940		0		840,940		0
	Private label CMO		288,139		0		288,139		0
		$	16,354,661	$	0	$	16,354,661	$	0
	Total assets measured at fair value	$	16,354,661	$	0	$	16,354,661	$	0
Level of Valuation Assumptions used to Determine Adjustment and Carrying Value of Assets	'
	For assets measured at fair value on a nonrecurring basis as of September 30, 2014 and December 31, 2013, the following table provides the level of valuation assumptions used to determine each adjustment and the carrying value of the assets:
		Fair Value at		Quoted		Significant		Significant
		September 30,		Prices		Other		Unobservable
		2014		(Level 1)		Observable		Inputs
						Inputs		(Level 3)
						(Level 2)
	Impaired Loans:
	Owner occupied one- to- four family	$	3,247,682	$	0	$	3,247,682	$	0
	Non owner occupied one- to- four family		1,421,836		0		1,421,836		0
	Home Equity Lines of Credit		320,963		0		320,963		0
		$	4,990,481	$	0	$	4,990,481	$	0
	Other real estate owned	$	22,500	$	0	$	22,500	$	0
		Fair Value at		Quoted		Significant		Significant
		December 31,		Prices		Other		Unobservable
		2013		(Level 1)		Observable		Inputs
						Inputs		(Level 3)
						(Level 2)
	Impaired Loans:
	Owner occupied one- to- four family	$	3,605,055	$	0	$	3,605,055	$	0
	Non owner occupied one- to- four family		198,056		0		198,056		0
	Home Equity Lines of Credit		497,706		0		497,706		0
		$	4,300,817	$	0	$	4,300,817	$	0
	Other real estate owned	$	1,921,706	$	0	$	1,921,706	$	0

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Estimates, Methods, and Assumptions for Financial Instruments	'
	Fair value estimates, methods, and assumptions are set forth below for the Bank’s financial instruments as of September 30, 2014 and December 31, 2013.
		September 30, 2014
				Estimated Fair Value
		Carrying		Level One		Level Two		Level Three		Total
		Value
	Assets:
	Securities - available-for-sale	$	14,580,128	$	0	$	14,580,128	$	0	$	14,580,128
	Securities - held-to-maturity		9,225,102		0		9,370,915		0		9,370,915
	Loans, net of allowance		115,540,724		0		4,990,481		113,024,982		118,015,463
	Federal Home Loan Bank stock		1,049,800		0		1,049,800		0		1,049,800
	Liabilities:
	Deposit accounts and advances by borrowers		114,686,767		0		0		114,917,072		114,917,072
	Advances from the FHLB		20,000,000		0		0		20,549,103		20,549,103
		December 31, 2013
				Estimated Fair Value
		Carrying		Level One		Level Two		Level Three		Total
		Value
	Assets:
	Securities - available-for-sale	$	16,354,661	$	0	$	16,354,661	$	0	$	16,354,661
	Securities - held-to-maturity		8,069,424		0		8,101,210		0		8,101,210
	Loans, net of allowance		114,577,707		0		4,300,817		112,002,812		116,303,629
	Federal Home Loan Bank stock		1,103,700		0		1,103,700		0		1,103,700
	Liabilities:
	Deposit accounts and advances by borrowers		118,759,093		0		0		119,172,829		119,172,829
	Advances from the FHLB		20,000,000		0		0		20,590,659		20,590,659

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2014
Earnings per Share	'
	The factors used in the earnings per share computation are as follows:
		For the Three Months Ended						For the Nine Months Ended
		September 30,			September 30,			September 30,			September 30,
		2014			2013			2014			2013
	Basic
	Net (Loss) Income	$	(144,818	)	$	(91,129	)	$	(82,722	)	$	76,842
	Weighted average common shares outstanding		1,389,420			1,436,543			1,391,742			1,455,284
	Basic (loss) earnings per common share	$	(.10	)	$	(.07	)	$	(.06	)	$	0.06
	Diluted
	Net (Loss) Income	$	(144,818	)	$	(91,129	)	$	(82,722	)	$	76,842
	Weighted average common shares outstanding for basic earnings per common share		1,389,420			1,436,543			1,391,742			1,455,284
	Add: Dilutive effects of common stock equivalents		0			0			0			0
	Average shares and dilutive potential common shares		1,389,420			1,436,543			1,391,742			1,455,284
	Diluted (loss) earnings per common share	$	(.10	)	$	(.07	)	$	(.06	)	$	0.06

Recovered_Sheet1

Nature of Operations and Summary of Significant Accounting Policies - Additional Information (Detail) (USD $)	0 Months Ended	9 Months Ended
	Mar. 31, 2011	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Mar. 31, 2011
Organization And Summary Of Significant Policies [Line Items]	'	'	'	'	'
Date of incorporation	'	12-Oct-10	'	'	'
Issuance of common stock (in shares)	'	1,381,082	1,392,923	'	1,587,000
Common stock issuance, price per share	$10	'	'	'	'
Proceeds from issuance of common stock (net of costs)	$14,968,600	'	'	'	'
Issuance of common stock, offering expenses	$901,400	'	'	'	'
Shares subscribed for employee stock ownership plan, percent to sum of shares offered	8.00%	8.00%	'	'	'
Total shares in employee stock ownership plan	'	126,960	'	126,960	126,960

Amortized_Cost_and_Fair_Values

Amortized Cost and Fair Values of Investment Securities (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	$14,990,115	$17,445,775
Available-for-sale, Gross Unrealized Gains	57,763	41,173
Available-for-sale, Gross Unrealized Losses	467,750	1,132,287
Available-for-sale, Fair Value	14,580,128	16,354,661
Held-to-maturity, Amortized Cost	9,225,102	8,069,424
Held-to-maturity, Gross Unrealized Gains	226,940	140,916
Held-to-maturity, Gross Unrealized Losses	81,127	109,130
Held-to-maturity, Fair Value	9,370,915	8,101,210
FNMA	'	'
Schedule of Investments [Line Items]	'	'
Held-to-maturity, Gross Unrealized Losses	'	2,110
Municipal Bonds	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	1,000,000	1,000,000
Available-for-sale, Gross Unrealized Gains	24,570	0
Available-for-sale, Gross Unrealized Losses	0	88,700
Available-for-sale, Fair Value	1,024,570	911,300
Held-to-maturity, Amortized Cost	2,103,800	2,123,116
Held-to-maturity, Gross Unrealized Gains	68,853	3,863
Held-to-maturity, Gross Unrealized Losses	15,744	52,573
Held-to-maturity, Fair Value	2,156,909	2,074,406
SBA Pools	'	'
Schedule of Investments [Line Items]	'	'
Held-to-maturity, Amortized Cost	2,447,294	1,197,400
Held-to-maturity, Gross Unrealized Gains	0	0
Held-to-maturity, Gross Unrealized Losses	65,383	54,447
Held-to-maturity, Fair Value	2,381,911	1,142,953
Mortgage-backed securities | FNMA	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	4,470,096	5,945,252
Available-for-sale, Gross Unrealized Gains	8,678	24,257
Available-for-sale, Gross Unrealized Losses	68,753	191,649
Available-for-sale, Fair Value	4,410,021	5,777,860
Held-to-maturity, Amortized Cost	4,674,008	4,748,908
Held-to-maturity, Gross Unrealized Gains	158,087	137,053
Held-to-maturity, Gross Unrealized Losses	0	2,110
Held-to-maturity, Fair Value	4,832,095	4,883,851
Mortgage-backed securities | GNMA	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	995,525	1,186,994
Available-for-sale, Gross Unrealized Gains	18,399	7,640
Available-for-sale, Gross Unrealized Losses	0	21,492
Available-for-sale, Fair Value	1,013,924	1,173,142
Mortgage-backed securities | FHLMC	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	2,988	623,033
Available-for-sale, Gross Unrealized Gains	0	4,343
Available-for-sale, Gross Unrealized Losses	0	911
Available-for-sale, Fair Value	2,988	626,465
Mortgage-backed securities | Federal Agency CMO	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	772,346	909,604
Available-for-sale, Gross Unrealized Gains	0	0
Available-for-sale, Gross Unrealized Losses	38,401	68,664
Available-for-sale, Fair Value	733,945	840,940
Mortgage-backed securities | Private Label CMO	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	251,324	283,206
Available-for-sale, Gross Unrealized Gains	3,011	4,933
Available-for-sale, Gross Unrealized Losses	0	0
Available-for-sale, Fair Value	254,335	288,139
Bank Notes and Corporate Bonds	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	1,500,000	1,500,000
Available-for-sale, Gross Unrealized Gains	3,105	0
Available-for-sale, Gross Unrealized Losses	0	1,845
Available-for-sale, Fair Value	1,503,105	1,498,155
Obligations of U.S. Government Agencies	'	'
Schedule of Investments [Line Items]	'	'
Available-for-sale, Amortized Cost	5,997,836	5,997,686
Available-for-sale, Gross Unrealized Gains	0	0
Available-for-sale, Gross Unrealized Losses	360,596	759,026
Available-for-sale, Fair Value	$5,637,240	$5,238,660

Amortized_Cost_and_Fair_Value_

Amortized Cost and Fair Value of Debt Securities by Contractual Maturities (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Available-for-sale, Amortized Cost	'	'
Due in less than one year	$1,500,000	$1,500,000
Due in one year through five years	'	7,415
Due in five years through ten years	591,798	778,271
Due after ten years	12,898,317	15,160,089
Available-for-sale, Amortized Cost	14,990,115	17,445,775
Available-for-sale, Fair Value	'	'
Due in less than one year	1,503,105	1,498,155
Due in one year through five years	'	7,364
Due in five years through ten years	600,217	786,833
Due after ten years	12,476,806	14,062,309
Available-for-sale, Fair Value	14,580,128	16,354,661
Held-to-maturity, Amortized Cost	'	'
Due in one year through five years	3,236,938	3,541,943
Due in five years through ten years	4,132,530	2,072,862
Due after ten years	1,855,634	2,454,619
Held-to-maturity, Amortized Cost	9,225,102	8,069,424
Held-to-maturity, Fair Value	'	'
Due in one year through five years	3,333,676	3,649,827
Due in five years through ten years	4,169,581	2,036,709
Due after ten years	1,867,658	2,414,674
Held-to-maturity, Fair Value	$9,370,915	$8,101,210

Investment_Securities_Addition

Investment Securities - Additional Information (Detail) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Investment [Line Items]	'	'
Gross gains on sales of available-for-sale securities	$8,147	$43,335
Gross losses on sales available-for-sale securities	6,319	0
Impairment loss	$0	'

Securities_with_Unrealized_Los

Securities with Unrealized Losses, Segregated by Length of Impairment (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	$0	$10,329,793
Available-for-sale securities, Unrealized Losses Less than 12 Months	0	855,366
Available-for-sale securities, Estimated Fair Value More than 12 Months	10,175,230	3,654,536
Available-for-sale securities, Unrealized Losses More than 12 Months	467,750	276,921
Available-for-sale securities, Total Estimated Fair Value	10,175,230	13,984,329
Available-for-sale securities, Total Unrealized Losses	467,750	1,132,287
Held to maturity, Estimated Fair Value Less than 12 Months	1,562,688	3,435,737
Held to maturity, Unrealized Losses Less than 12 Months	11,992	45,918
Held to maturity, Estimated Fair Value More than 12 Months	1,388,254	802,685
Held to maturity, Unrealized Losses More than 12 Months	69,135	63,212
Held to maturity, Total Estimated Fair Value	2,950,942	4,238,422
Held to maturity, Total Unrealized Losses	81,127	109,130
FNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Held to maturity, Estimated Fair Value Less than 12 Months	'	1,562,003
Held to maturity, Unrealized Losses Less than 12 Months	'	2,110
Held to maturity, Estimated Fair Value More than 12 Months	'	0
Held to maturity, Unrealized Losses More than 12 Months	'	0
Held to maturity, Total Estimated Fair Value	'	1,562,003
Held to maturity, Total Unrealized Losses	'	2,110
Bank Notes and Corporate Bonds	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	'	0
Available-for-sale securities, Unrealized Losses Less than 12 Months	'	0
Available-for-sale securities, Estimated Fair Value More than 12 Months	'	1,498,155
Available-for-sale securities, Unrealized Losses More than 12 Months	'	1,845
Available-for-sale securities, Total Estimated Fair Value	'	1,498,155
Available-for-sale securities, Total Unrealized Losses	'	1,845
Obligations of U.S. Government Agencies	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	0	3,944,880
Available-for-sale securities, Unrealized Losses Less than 12 Months	0	552,806
Available-for-sale securities, Estimated Fair Value More than 12 Months	5,637,240	1,293,780
Available-for-sale securities, Unrealized Losses More than 12 Months	360,596	206,220
Available-for-sale securities, Total Estimated Fair Value	5,637,240	5,238,660
Available-for-sale securities, Total Unrealized Losses	360,596	759,026
Mortgage-backed securities | FNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	0	3,949,576
Available-for-sale securities, Unrealized Losses Less than 12 Months	0	191,457
Available-for-sale securities, Estimated Fair Value More than 12 Months	3,804,045	21,661
Available-for-sale securities, Unrealized Losses More than 12 Months	68,753	192
Available-for-sale securities, Total Estimated Fair Value	3,804,045	3,971,237
Available-for-sale securities, Total Unrealized Losses	68,753	191,649
Held to maturity, Total Unrealized Losses	0	2,110
Mortgage-backed securities | GNMA	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	'	1,109,080
Available-for-sale securities, Unrealized Losses Less than 12 Months	'	21,492
Available-for-sale securities, Estimated Fair Value More than 12 Months	'	0
Available-for-sale securities, Unrealized Losses More than 12 Months	'	0
Available-for-sale securities, Total Estimated Fair Value	'	1,109,080
Available-for-sale securities, Total Unrealized Losses	'	21,492
Mortgage-backed securities | FHLMC	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	'	414,957
Available-for-sale securities, Unrealized Losses Less than 12 Months	'	911
Available-for-sale securities, Estimated Fair Value More than 12 Months	'	0
Available-for-sale securities, Unrealized Losses More than 12 Months	'	0
Available-for-sale securities, Total Estimated Fair Value	'	414,957
Available-for-sale securities, Total Unrealized Losses	'	911
Mortgage-backed securities | Federal Agency CMO	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	0	0
Available-for-sale securities, Unrealized Losses Less than 12 Months	0	0
Available-for-sale securities, Estimated Fair Value More than 12 Months	733,945	840,940
Available-for-sale securities, Unrealized Losses More than 12 Months	38,401	68,664
Available-for-sale securities, Total Estimated Fair Value	733,945	840,940
Available-for-sale securities, Total Unrealized Losses	38,401	68,664
Municipal Bonds	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale securities, Estimated Fair Value Less than 12 Months	'	911,300
Available-for-sale securities, Unrealized Losses Less than 12 Months	'	88,700
Available-for-sale securities, Estimated Fair Value More than 12 Months	'	0
Available-for-sale securities, Unrealized Losses More than 12 Months	'	0
Available-for-sale securities, Total Estimated Fair Value	'	911,300
Available-for-sale securities, Total Unrealized Losses	'	88,700
Held to maturity, Estimated Fair Value Less than 12 Months	0	1,058,760
Held to maturity, Unrealized Losses Less than 12 Months	0	18,530
Held to maturity, Estimated Fair Value More than 12 Months	503,648	474,706
Held to maturity, Unrealized Losses More than 12 Months	15,744	34,043
Held to maturity, Total Estimated Fair Value	503,648	1,533,466
Held to maturity, Total Unrealized Losses	15,744	52,573
SBA Pools	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Held to maturity, Estimated Fair Value Less than 12 Months	1,562,688	814,974
Held to maturity, Unrealized Losses Less than 12 Months	11,992	25,278
Held to maturity, Estimated Fair Value More than 12 Months	884,606	327,979
Held to maturity, Unrealized Losses More than 12 Months	53,391	29,169
Held to maturity, Total Estimated Fair Value	2,447,294	1,142,953
Held to maturity, Total Unrealized Losses	$65,383	$54,447

Recovered_Sheet2

Loans and Allowance for Loan Losses (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	$117,390,724	$116,105,707	$117,150,940
Less: Allowance for loan losses	-1,850,000	-1,528,000	'
Total loans and allowance for loan losses	115,540,724	114,577,707	'
Real Estate Loans	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	117,337,078	116,039,204	'
Real Estate Loans | Owner Occupied One-to-four family, residential	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	78,791,717	79,190,821	80,225,903
Real Estate Loans | Non Owner Occupied One-to-four family, residential	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	12,377,690	12,405,389	11,877,697
Real Estate Loans | Home Equity Lines of Credit	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	7,206,269	8,129,950	8,469,887
Real Estate Loans | Commercial Real Estate	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	15,786,642	13,164,122	13,050,291
Real Estate Loans | Residential construction	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	2,231,127	2,463,458	2,749,178
Real Estate Loans | Land	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	943,633	685,464	688,329
Consumer	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	53,646	66,503	76,382
Commercial	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Total loans	$0	$0	$13,273

Recovered_Sheet3

Loans and Allowance for Loan Losses - Additional Information (Detail) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
	Loan	Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Balance of impaired loans	$5,583,488	$4,575,824
Non-Accrual Loans	2,121,818	1,080,286
Troubled Debt Restructurings	3,461,670	3,881,957
Troubled Debt Restructuring Number of Contracts	5	6
Number of Non accrual loans	28	21
Interest forgone from loans on non-accrual status	128,121	129,519
Loan One	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans term	'15 years	'
Loan Two	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans term	'20 years	'
Loan Three	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans term	'30 years	'
Owner occupied one-to-four family	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled Debt Restructurings	3,266,528	3,674,147
Troubled Debt Restructuring Number of Contracts	4	5
Home Equity Lines of Credit	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled Debt Restructurings	$195,142	$207,810
Troubled Debt Restructuring Number of Contracts	1	1

Credit_Risk_Analysis_of_Loans_

Credit Risk Analysis of Loans Receivable (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	$117,390,724	$116,105,707	$117,150,940
Pass	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	113,855,881	111,323,631	'
Special Mention	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	263,485	2,534,321	'
Substandard	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	3,271,358	2,247,755	'
Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	115,268,906	115,025,421	'
Non-Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	2,121,818	1,080,286	'
Real Estate Loans	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	117,337,078	116,039,204	'
Real Estate Loans | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	78,791,717	79,190,821	80,225,903
Real Estate Loans | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	12,377,690	12,405,389	11,877,697
Real Estate Loans | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	7,206,269	8,129,950	8,469,887
Real Estate Loans | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	15,786,642	13,164,122	13,050,291
Real Estate Loans | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	2,231,127	2,463,458	2,749,178
Real Estate Loans | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	943,633	685,464	688,329
Real Estate Loans | Pass | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	78,336,305	78,205,713	'
Real Estate Loans | Pass | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	10,573,620	10,065,786	'
Real Estate Loans | Pass | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	7,080,448	7,840,054	'
Real Estate Loans | Pass | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	14,637,102	11,996,653	'
Real Estate Loans | Pass | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	2,231,127	2,463,458	'
Real Estate Loans | Pass | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	943,633	685,464	'
Real Estate Loans | Special Mention | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	263,485	457,008	'
Real Estate Loans | Special Mention | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	2,077,313	'
Real Estate Loans | Special Mention | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Special Mention | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Special Mention | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Special Mention | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Substandard | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	191,927	528,100	'
Real Estate Loans | Substandard | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	1,804,070	262,290	'
Real Estate Loans | Substandard | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	125,821	289,896	'
Real Estate Loans | Substandard | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	1,149,540	1,167,469	'
Real Estate Loans | Substandard | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Substandard | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Performing | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	78,599,790	78,662,721	'
Real Estate Loans | Performing | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	10,573,620	12,143,099	'
Real Estate Loans | Performing | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	7,080,448	7,840,054	'
Real Estate Loans | Performing | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	15,786,642	13,164,122	'
Real Estate Loans | Performing | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	2,231,127	2,463,458	'
Real Estate Loans | Performing | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	943,633	685,464	'
Real Estate Loans | Non-Performing | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	191,927	528,100	'
Real Estate Loans | Non-Performing | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	1,804,070	262,290	'
Real Estate Loans | Non-Performing | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	125,821	289,896	'
Real Estate Loans | Non-Performing | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Non-Performing | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Real Estate Loans | Non-Performing | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Consumer	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	53,646	66,503	76,382
Consumer | Pass	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	53,646	66,503	'
Consumer | Special Mention	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Consumer | Substandard	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Consumer | Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	53,646	66,503	'
Consumer | Non-Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Commercial	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	13,273
Commercial | Pass	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Commercial | Special Mention	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Commercial | Substandard	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Commercial | Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	0	0	'
Commercial | Non-Performing	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total loans	$0	$0	'

Aged_Analysis_of_Past_Due_Loan

Aged Analysis of Past Due Loans Receivable (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	$117,445	$248,658	'
60-89 Days Past Due	59,925	3,001	'
Greater Than 90 Days Past Due	1,892,900	804,158	'
Total Past Due	2,070,270	1,055,817	'
Current	115,320,454	115,049,890	'
Total Loans Receivable	117,390,724	116,105,707	117,150,940
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
Total Loans Receivable	117,337,078	116,039,204	'
Real Estate Loans | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	117,445	224,165	'
60-89 Days Past Due	0	3,001	'
Greater Than 90 Days Past Due	93,069	450,480	'
Total Past Due	210,514	677,646	'
Current	78,581,203	78,513,175	'
Total Loans Receivable	78,791,717	79,190,821	80,225,903
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	1,799,831	263,486	'
Total Past Due	1,799,831	263,486	'
Current	10,577,859	12,141,903	'
Total Loans Receivable	12,377,690	12,405,389	11,877,697
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	24,493	'
60-89 Days Past Due	59,925	0	'
Greater Than 90 Days Past Due	0	90,192	'
Total Past Due	59,925	114,685	'
Current	7,146,344	8,015,265	'
Total Loans Receivable	7,206,269	8,129,950	8,469,887
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	0	0	'
Total Past Due	0	0	'
Current	15,786,642	13,164,122	'
Total Loans Receivable	15,786,642	13,164,122	13,050,291
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans | Residential construction	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	0	0	'
Total Past Due	0	0	'
Current	2,231,127	2,463,458	'
Total Loans Receivable	2,231,127	2,463,458	2,749,178
Recorded Investment > 90 Days and Accruing	0	0	'
Real Estate Loans | Land	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	0	0	'
Total Past Due	0	0	'
Current	943,633	685,464	'
Total Loans Receivable	943,633	685,464	688,329
Recorded Investment > 90 Days and Accruing	0	0	'
Consumer	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	0	0	'
Total Past Due	0	0	'
Current	53,646	66,503	'
Total Loans Receivable	53,646	66,503	76,382
Recorded Investment > 90 Days and Accruing	0	0	'
Commercial	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
Greater Than 90 Days Past Due	0	0	'
Total Past Due	0	0	'
Current	0	0	'
Total Loans Receivable	0	0	13,273
Recorded Investment > 90 Days and Accruing	$0	$0	'

Activity_in_Allowance_for_Loan

Activity in Allowance for Loan Losses (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	$1,528,000	$1,350,000	$1,528,000	$1,395,000
(Recovery of) provision for loan losses	319,551	143,299	225,120	131,407
Charge-offs	-185	0	-185	-91,856
Recoveries	2,634	7,701	97,065	66,449
Net (charge-offs) recoveries	2,449	7,701	96,880	-25,407
Ending Balance	1,850,000	1,501,000	1,850,000	1,501,000
Real Estate Loans | Owner Occupied One-to-four family, residential	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	784,340	797,121	901,766	810,892
(Recovery of) provision for loan losses	-9,988	110,716	-219,837	120,222
Charge-offs	-185	0	-185	-25,777
Recoveries	1,605	3,702	94,028	6,202
Net (charge-offs) recoveries	1,420	3,702	93,843	-19,575
Ending Balance	775,772	911,539	775,772	911,539
Real Estate Loans | Non Owner Occupied One-to-four family, residential	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	339,926	266,468	353,240	206,099
(Recovery of) provision for loan losses	228,404	91,941	215,090	218,389
Charge-offs	0	0	0	-66,079
Recoveries	0	3,000	0	3,000
Net (charge-offs) recoveries	0	3,000	0	-63,079
Ending Balance	568,330	361,409	568,330	361,409
Real Estate Loans | Home Equity Lines of Credit	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	97,264	61,965	106,851	74,807
(Recovery of) provision for loan losses	1,544	-3,892	-10,051	-18,732
Charge-offs	0	0	0	0
Recoveries	1,029	999	3,037	2,997
Net (charge-offs) recoveries	1,029	999	3,037	2,997
Ending Balance	99,837	59,072	99,837	59,072
Real Estate Loans | Commercial Real Estate	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	157,676	170,490	131,641	191,357
(Recovery of) provision for loan losses	190	-39,987	26,225	-60,854
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending Balance	157,866	130,503	157,866	130,503
Real Estate Loans | Residential construction	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	23,532	18,930	24,635	36,945
(Recovery of) provision for loan losses	-1,221	8,562	-2,324	-9,453
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending Balance	22,311	27,492	22,311	27,492
Real Estate Loans | Land	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	8,495	14,223	8,568	32,217
(Recovery of) provision for loan losses	3,300	-5,619	3,227	-77,863
Charge-offs	0	0	0	0
Recoveries	0	0	0	54,250
Net (charge-offs) recoveries	0	0	0	54,250
Ending Balance	11,795	8,604	11,795	8,604
Consumer	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	820	852	924	868
(Recovery of) provision for loan losses	-149	767	-253	751
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending Balance	671	1,619	671	1,619
Commercial	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	0	250	0	240
(Recovery of) provision for loan losses	0	-59	0	-49
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending Balance	0	191	0	191
Unallocated	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Beginning Balance	115,947	19,701	375	41,575
(Recovery of) provision for loan losses	97,471	-19,130	213,043	-41,004
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending Balance	$213,418	$571	$213,418	$571

Amounts_Evaluated_for_Impairme

Amounts Evaluated for Impairment Collectively and Individually Allocated to each Portfolio Segment (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	$5,583,488	$4,575,824	$4,946,943
Loans collectively evaluated for impairment	111,807,236	111,529,883	112,203,997
Total Loans Receivable	117,390,724	116,105,707	117,150,940
Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	320,963	497,706	'
Real Estate Loans	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Total Loans Receivable	117,337,078	116,039,204	'
Real Estate Loans | Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	3,458,455	3,815,829	4,083,976
Loans collectively evaluated for impairment	75,333,262	75,374,992	76,141,927
Total Loans Receivable	78,791,717	79,190,821	80,225,903
Real Estate Loans | Non Owner Occupied One-to-four family, residential	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	1,804,070	262,289	269,289
Loans collectively evaluated for impairment	10,573,620	12,143,100	11,608,408
Total Loans Receivable	12,377,690	12,405,389	11,877,697
Real Estate Loans | Home Equity Lines of Credit	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	320,963	497,706	593,678
Loans collectively evaluated for impairment	6,885,306	7,632,244	7,876,209
Total Loans Receivable	7,206,269	8,129,950	8,469,887
Real Estate Loans | Commercial Real Estate	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	0	0	0
Loans collectively evaluated for impairment	15,786,642	13,164,122	13,050,291
Total Loans Receivable	15,786,642	13,164,122	13,050,291
Real Estate Loans | Residential construction	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	0	0	0
Loans collectively evaluated for impairment	2,231,127	2,463,458	2,749,178
Total Loans Receivable	2,231,127	2,463,458	2,749,178
Real Estate Loans | Land	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	0	0	0
Loans collectively evaluated for impairment	943,633	685,464	688,329
Total Loans Receivable	943,633	685,464	688,329
Consumer	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	0	0	0
Loans collectively evaluated for impairment	53,646	66,503	76,382
Total Loans Receivable	53,646	66,503	76,382
Commercial	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Loans individually evaluated for impairment	0	0	0
Loans collectively evaluated for impairment	0	0	13,273
Total Loans Receivable	$0	$0	$13,273

Nonperforming_Assets_and_Troub

Nonperforming Assets and Troubled Debt Restructurings (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Financing Receivable, Modifications [Line Items]	'	'
Non-Accrual Loans	$2,121,818	$1,080,286
Other Real Estate Owned, net	22,500	1,921,706
Loans 90 days or more past due and still accruing	0	0
Total Nonperforming Assets	2,144,318	3,001,992
Troubled Debt Restructurings	3,461,670	3,881,957
Troubled Debt Restructurings included In Non-Accrual Loans	0	-386,419
Troubled Debt Restructurings and Total Nonperforming Assets	5,605,988	6,497,530
Owner Occupied One-to-four family, residential	'	'
Financing Receivable, Modifications [Line Items]	'	'
Non-Accrual Loans	191,927	528,100
Non Owner Occupied One-to-four family, residential	'	'
Financing Receivable, Modifications [Line Items]	'	'
Non-Accrual Loans	1,804,070	262,290
Home Equity Lines of Credit	'	'
Financing Receivable, Modifications [Line Items]	'	'
Non-Accrual Loans	$125,821	$289,896

Loans_Individually_Evaluated_f

Loans Individually Evaluated for Impairment by Class of Loan (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans with no allowance recorded, Recorded Investment	$1,101,415	$1,296,828	'
Impaired loans with an allowance recorded, Recorded Investment	4,482,073	3,278,996	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	1,178,390	1,460,844	'
Impaired loans with an allowance recorded, Unpaid Principal Balance	4,509,804	3,306,727	'
Impaired loans with no allowance recorded, Related Allowance	0	0	'
Impaired loans Recorded Investment, Grand total	5,583,488	4,575,824	4,946,943
Impaired loans Unpaid Principal Balance, Grand total	5,688,194	4,767,571	'
Impaired loans Related Allowance, Grand total	593,007	275,007	'
Owner occupied one-to-four family	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans with no allowance recorded, Recorded Investment	640,629	782,371	'
Impaired loans with an allowance recorded, Recorded Investment	2,817,826	3,033,457	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	651,525	810,780	'
Impaired loans with an allowance recorded, Unpaid Principal Balance	2,817,826	3,033,457	'
Impaired loans with no allowance recorded, Related Allowance	0	0	'
Impaired loans Recorded Investment, Grand total	3,458,455	3,815,828	'
Impaired loans Unpaid Principal Balance, Grand total	3,469,351	3,844,237	'
Impaired loans Related Allowance, Grand total	210,773	210,773	'
Non owner occupied one-to-four family	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans with no allowance recorded, Recorded Investment	139,823	16,751	'
Impaired loans with an allowance recorded, Recorded Investment	1,664,247	245,539	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	205,902	82,830	'
Impaired loans with an allowance recorded, Unpaid Principal Balance	1,691,978	273,270	'
Impaired loans with no allowance recorded, Related Allowance	0	0	'
Impaired loans Recorded Investment, Grand total	1,804,070	262,290	'
Impaired loans Unpaid Principal Balance, Grand total	1,897,880	356,100	'
Impaired loans Related Allowance, Grand total	382,234	64,234	'
Home Equity Lines of Credit	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans with no allowance recorded, Recorded Investment	320,963	497,706	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	320,963	567,234	'
Impaired loans with no allowance recorded, Related Allowance	0	0	'
Impaired loans Recorded Investment, Grand total	320,963	497,706	'
Impaired loans Unpaid Principal Balance, Grand total	320,963	567,234	'
Impaired loans Related Allowance, Grand total	$0	$0	'

Impaired_Loans_Detail

Impaired Loans (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans with no allowance recorded, Average Recorded Investment	$939,884	$2,184,071	$945,247	$2,580,714	'
Impaired loans with no allowance recorded, Interest Income Recognized	12,537	10,943	34,126	32,003	'
Impaired loans with an allowance recorded, Average Recorded Investment	3,533,682	2,925,134	3,352,422	2,652,172	'
Impaired loans with an allowance recorded, Interest Income Recognized	23,167	43,772	94,388	66,793	'
Impaired loans Average Recorded Investment grand total	4,473,566	5,109,205	4,297,669	5,232,886	'
Impaired loans Interest Income Recognized grand total	35,704	54,715	128,514	98,796	'
Impaired loans Recorded Investment, Grand total	5,583,488	'	5,583,488	'	4,575,824
Home Equity Lines of Credit	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans with no allowance recorded, Average Recorded Investment	419,877	550,819	444,368	471,586	'
Impaired loans with no allowance recorded, Interest Income Recognized	5,323	6,543	14,459	18,137	'
Impaired loans Average Recorded Investment grand total	419,877	550,819	444,368	471,586	'
Impaired loans Interest Income Recognized grand total	5,323	6,543	14,459	18,137	'
Land	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans with no allowance recorded, Average Recorded Investment	'	0	'	31,000	'
Impaired loans with no allowance recorded, Interest Income Recognized	'	0	'	0	'
Impaired loans Average Recorded Investment grand total	'	0	'	31,000	'
Impaired loans Interest Income Recognized grand total	'	0	'	0	'
Owner occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans with no allowance recorded, Average Recorded Investment	441,720	1,482,732	443,104	1,879,046	'
Impaired loans with no allowance recorded, Interest Income Recognized	7,214	4,400	17,355	13,866	'
Impaired loans with an allowance recorded, Average Recorded Investment	2,808,445	2,830,981	2,811,329	2,589,404	'
Impaired loans with an allowance recorded, Interest Income Recognized	23,167	43,772	69,277	66,793	'
Impaired loans Average Recorded Investment grand total	3,250,165	4,313,713	3,254,433	4,468,450	'
Impaired loans Interest Income Recognized grand total	30,381	48,172	86,632	80,659	'
Non owner occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans with no allowance recorded, Average Recorded Investment	78,287	150,520	57,775	199,082	'
Impaired loans with no allowance recorded, Interest Income Recognized	0	0	2,312	0	'
Impaired loans with an allowance recorded, Average Recorded Investment	725,237	94,153	541,093	62,768	'
Impaired loans with an allowance recorded, Interest Income Recognized	0	0	25,111	0	'
Impaired loans Average Recorded Investment grand total	803,524	244,673	598,868	261,850	'
Impaired loans Interest Income Recognized grand total	0	0	27,423	0	'
Performing Loans	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	3,461,670	'	3,461,670	'	3,495,538
Performing Loans | Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Non Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Home Equity Lines of Credit	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Commercial	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Construction	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Land	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Troubled Debt Restructuring | Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	3,266,528	'	3,266,528	'	3,287,728
Performing Loans | Troubled Debt Restructuring | Non Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Troubled Debt Restructuring | Home Equity Lines of Credit	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	195,142	'	195,142	'	207,810
Performing Loans | Troubled Debt Restructuring | Commercial	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Troubled Debt Restructuring | Construction	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Performing Loans | Troubled Debt Restructuring | Land	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	2,121,818	'	2,121,818	'	1,080,286
Nonperforming Loan | Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	191,927	'	191,927	'	141,681
Nonperforming Loan | Non Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	1,804,070	'	1,804,070	'	262,290
Nonperforming Loan | Home Equity Lines of Credit	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	125,821	'	125,821	'	289,896
Nonperforming Loan | Commercial	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Construction	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Land	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Troubled Debt Restructuring | Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	386,419
Nonperforming Loan | Troubled Debt Restructuring | Non Owner Occupied one-to-four family	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Troubled Debt Restructuring | Home Equity Lines of Credit	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Troubled Debt Restructuring | Commercial	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Troubled Debt Restructuring | Construction	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	0	'	0	'	0
Nonperforming Loan | Troubled Debt Restructuring | Land	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Impaired loans Recorded Investment, Grand total	$0	'	$0	'	$0

Summary_of_Impaired_Loans_that

Summary of Impaired Loans that were Modified due to TDR (Detail) (USD $)	9 Months Ended	12 Months Ended	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
	Loan	Loan	Owner occupied one-to-four family	Owner occupied one-to-four family	Owner occupied one-to-four family	Owner occupied one-to-four family
			Troubled Debt Restructuring	Troubled Debt Restructuring	Troubled Debt Restructuring	Troubled Debt Restructuring
			Contract	Contract	Contract	Contract
Financing Receivable, Modifications [Line Items]	'	'	'	'	'	'
Troubled Debt Restructuring Number of Contracts	5	6	0	0	0	1
Troubled Debt Restructuring Pre-Modification Outstanding Recorded Investments	'	'	$0	$0	$0	$769,303
Troubled Debt Restructuring Post- Modification Recorded Investments	'	'	$0	$0	$0	$748,393

Loans_by_Loan_Class_Modified_a

Loans by Loan Class Modified as TDR's (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
	Contract	Contract	Contract	Contract
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of Contracts	0	2	0	2
Recorded Investment	$0	$646,141	$0	$646,141

Employee_Retirement_Plans_Addi

Employee Retirement Plans - Additional Information (Detail) (USD $)	0 Months Ended	9 Months Ended
	Mar. 31, 2011	Sep. 30, 2014	Sep. 30, 2013
Retirement Plans [Line Items]	'	'	'
Employer contribution for 401K saving and investment plan	'	$46,914	$47,157
Total shares in employee stock ownership plan	'	126,960	'
Percent of common stock issued in offering owned by the employee stock ownership plan	8.00%	8.00%	'
Employee stock ownership shares purchased, price per share	'	$10	'
Employee stock ownership plan loan, repayment period	'	'12 years	'
Employee stock ownership plan annual vesting percentage	'	33.33%	'
ESOP compensation expense	'	$116,935	$107,810

Summary_of_Employee_Stock_Owne

Summary of Employee Stock Ownership Plan Shares (Detail) (USD $)	Sep. 30, 2014	Sep. 30, 2013	Mar. 31, 2011
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]	'	'	'
Shares committed for release	39,675	29,095	'
Unearned shares	87,285	97,865	'
Total ESOP shares	126,960	126,960	126,960
Fair Value of unearned shares	$1,309,275	$1,345,644	'

StockBased_Compensation_Additi

Stock-Based Compensation - Additional Information (Detail) (USD $)

9 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

9 Months Ended

9 Months Ended

3 Months Ended

12 Months Ended

Sep. 30, 2014

Sep. 30, 2013

Dec. 31, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

31-May-12

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Dec. 31, 2013

31-May-12

2012 Equity Incentive Plan

2012 Equity Incentive Plan

Employee Stock Option

Employee Stock Option

Employee Stock Option

Employee Stock Option

Employee Stock Option

Employee Stock Option

Employee Stock Option

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock

Restricted Stock

Vesting Immediately

Vesting after one year

Vesting after two years

Vesting after three years

2012 Equity Incentive Plan

Vesting Immediately

Vesting after one year

Vesting after two years

Vesting after three years

2012 Equity Incentive Plan

2012 Equity Incentive Plan

2012 Equity Incentive Plan

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Shares authorized

'

'

'

'

'

'

'

'

'

'

'

158,700

'

'

'

'

'

'

'

63,480

Shares issued

0

'

33,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

33,000

33,000

'

Shares issued

'

'

'

69,600

69,600

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

option, term

'

'

'

'

'

'10 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

vesting percent

'

'

'

'

'

'

'

25.00%

25.00%

25.00%

25.00%

'

'

25.00%

25.00%

25.00%

25.00%

'

'

'

Stock option expense

'

'

'

'

'

$54,940

$0

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized compensation expense

152,613

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized compensation expense, period for recognition

'

'

'

'

'

'2 years 29 days

'

'

'

'

'

'

'1 year 11 months 1 day

'

'

'

'

'

'

'

Restricted stock awards expense

78,906

105,213

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Unrecognized compensation

'

'

'

'

'

'

'

'

'

'

'

'

$201,560

'

'

'

'

'

'

'

Weightedaverage_Assumptions_Us

Weighted-average Assumptions Used to Determine Fair Value of Options (Detail)	12 Months Ended
	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Risk-free interest rate	0.25%
Expected term	'10 years
Expected stock price volatility	24.36%
Dividend yield	0.00%

Summary_of_Stock_Option_Activi

Summary of Stock Option Activity (Detail) (USD $)	1 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2013	Sep. 30, 2014	Dec. 31, 2013
Shares	'	'	'
Outstanding at beginning of year	'	69,600	0
Granted	'	0	69,600
Exercised	'	0	0
Forfeited, exchanged or expired	'	0	0
Outstanding at end of period	69,600	69,600	69,600
Exercisable at end of period	17,400	17,400	17,400
Weighted Average Exercise Price	'	'	'
Outstanding at beginning of year	'	$13.65	$0
Granted	'	$0	$13.65
Exercised	'	$0	$0
Forfeited, exchanged or expired	'	$0	$0
Outstanding at end of period	$13.65	$13.65	$13.65
Exercisable at end of period	$13.65	$13.65	$13.65
Weighted Average Remaining Contractual Term	'	'	'
Granted	'	'	'10 years
Remaining contractual term	'10 years	'9 years 1 month 6 days	'9 years 9 months 18 days
Exercisable at end of period	'	'9 years 1 month 6 days	'9 years 9 months 18 days
Aggregate Intrinsic Value	'	'	'
Outstanding at beginning of year	'	$38,280	$0
Granted	'	0	38,280
Exercised	'	0	0
Forfeited, exchanged or expired	'	0	0
Outstanding at end of period	38,280	38,280	38,280
Exercisable at end of period	$9,570	$9,570	$9,570

Summary_of_Changes_in_Nonveste

Summary of Changes in Nonvested Shares (Detail) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
Shares	'	'
Nonvested at January 1, 2013	24,748	0
Granted	0	33,000
Vested	-8,252	-8,252
Forfeited	0	0
Nonvested at December 31, 2013	16,496	24,748
Fair Value	'	'
Nonvested at January 1, 2013	$12.75	$0
Granted	$0	$12.75
Vested	$0	$12.75
Forfeited	$0	$0
Nonvested at December 31, 2013	$12.75	$12.75

Details_of_Bank_Capital_Positi

Details of Bank Capital Position (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Total Risk-Based Capital (to risk-weighted assets), Actual Amount	$24,798	$24,857
Tier I Capital (to risk-weighted assets), Actual Amount	23,652	23,700
Tier I Capital (to adjusted total assets), Actual Amount	23,652	23,700
Total Risk-Based Capital (to risk-weighted assets), Actual Ratio	27.26%	26.96%
Tier I Capital (to risk-weighted assets), Actual Ratio	26.00%	25.71%
Tier I Capital (to adjusted total assets), Actual Ratio	14.53%	14.19%
Total Risk-Based Capital (to risk-weighted assets), For Capital Adequacy Purposes and to be Well Capitalized Under the Prompt Corrective Action Provisions Amount	9,097	9,220
Tier I Capital (to risk-weighted assets), For Capital Adequacy Purposes and to be Well Adequately Capitalized Under the Prompt Corrective Action Provisions Amount	5,458	5,531
Tier I Capital (to adjusted total assets), For Capital Adequacy Purposes and to be Well Adequately Capitalized Under the Prompt Corrective Action Provisions Amount	$8,139	$8,351
Total Risk-Based Capital (to risk-weighted assets), For Capital Adequacy Purposes and to be Well Capitalized Under the Prompt Corrective Action Provisions Ratio	10.00%	10.00%
Tier I Capital (to risk-weighted assets), For Capital Adequacy Purposes and to be Well Capitalized Under the Prompt Corrective Action Provisions Ratio	6.00%	6.00%
Tier I Capital (to adjusted total assets), For Capital Adequacy Purposes and to be Well Capitalized Under the Prompt Corrective Action Provisions Ratio	5.00%	5.00%

Regulatory_Matters_Additional_

Regulatory Matters - Additional Information (Detail) (July 25, 2013 Share Repurchase Program, USD $)	9 Months Ended
	Sep. 30, 2014	Jul. 25, 2013
		Maximum
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Aggregate amount of common stock authorized for repurchase	'	142,830
Treasury stock purchase, shares	73,200	'
Treasury stock purchase	$1,012,012	'
Treasury stock purchase, average price per share	$13.83	'

Changes_in_Component_of_Accumu

Changes in Component of Accumulated Other Comprehensive Income (Loss), Net of Tax (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'	'	'
Beginning Balance	'	'	($669,725)	'
OTHER COMPREHENSIVE INCOME (LOSS)	26,007	-88,398	421,457	-620,341
Ending Balance	-248,268	'	-248,268	'
Accumulated Net Unrealized Investment Gain (Loss)	'	'	'	'
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'	'	'
Beginning Balance	-274,275	-457,642	-669,725	74,301
Other comprehensive income (loss) before reclassifications	27,104	-88,398	422,554	-594,340
Amounts reclassified from accumulated other comprehensive loss	-1,097	0	-1,097	-26,001
OTHER COMPREHENSIVE INCOME (LOSS)	26,007	-88,398	421,457	-620,341
Ending Balance	($248,268)	($546,040)	($248,268)	($546,040)

Reclassifications_Out_of_Accum

Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]	'	'	'	'
Gain on sale of investment securities	($1,828)	$0	($1,828)	($43,335)
Income tax expense	-172,178	-95,027	-195,422	-51,274
NET (LOSS) INCOME	144,818	91,129	82,722	-76,842
Reclassification out of Accumulated Other Comprehensive Income	'	'	'	'
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]	'	'	'	'
Gain on sale of investment securities	'	'	-1,828	-43,335
Income tax expense	'	'	731	17,334
NET (LOSS) INCOME	'	'	($1,097)	($26,001)

Assets_Measured_at_Fair_Value_

Assets Measured at Fair Value on Recurring Basis (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	$14,580,128	$16,354,661
Fair Value, Measurements, Recurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	14,580,128	16,354,661
Total assets measured at fair value	14,580,128	16,354,661
Fair Value, Measurements, Recurring | Bank Notes and Corporate Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,503,105	1,498,155
Fair Value, Measurements, Recurring | Obligations of U.S. Government Agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	5,637,240	5,238,660
Fair Value, Measurements, Recurring | FNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	4,410,021	5,777,860
Fair Value, Measurements, Recurring | GNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,013,924	1,173,142
Fair Value, Measurements, Recurring | FHLMC	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	2,988	626,465
Fair Value, Measurements, Recurring | Federal Agency CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	733,945	840,940
Fair Value, Measurements, Recurring | Private Label CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	254,335	288,139
Fair Value, Measurements, Recurring | Municipal Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,024,570	911,300
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Total assets measured at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Bank Notes and Corporate Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Obligations of U.S. Government Agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | FNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | GNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | FHLMC	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Federal Agency CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Private Label CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring | Municipal Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Other Observable Inputs (Level 2)	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	14,580,128	16,354,661
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	14,580,128	16,354,661
Total assets measured at fair value	14,580,128	16,354,661
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Bank Notes and Corporate Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,503,105	1,498,155
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Obligations of U.S. Government Agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	5,637,240	5,238,660
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | FNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	4,410,021	5,777,860
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | GNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,013,924	1,173,142
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | FHLMC	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	2,988	626,465
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Federal Agency CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	733,945	840,940
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Private Label CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	254,335	288,139
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring | Municipal Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	1,024,570	911,300
Significant Unobservable Inputs (Level 3)	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Total assets measured at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Bank Notes and Corporate Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Obligations of U.S. Government Agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | FNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | GNMA	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | FHLMC	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Federal Agency CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Private Label CMO	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring | Municipal Bonds	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale-at fair value	$0	$0

Level_of_Valuation_Assumptions

Level of Valuation Assumptions used to Determine Adjustment and Carrying Value of Assets (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$5,688,194	$4,767,571
Other real estate owned	22,500	1,921,706
Owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	3,469,351	3,844,237
Non owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	1,897,880	356,100
Home Equity Lines of Credit	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	320,963	567,234
Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	4,990,481	4,300,817
Other real estate owned	22,500	1,921,706
Fair Value, Measurements, Nonrecurring | Owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	3,247,682	3,605,055
Fair Value, Measurements, Nonrecurring | Non owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	1,421,836	198,056
Fair Value, Measurements, Nonrecurring | Home Equity Lines of Credit	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	320,963	497,706
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Other real estate owned	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Non owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Nonrecurring | Home Equity Lines of Credit	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	4,990,481	4,300,817
Other real estate owned	22,500	1,921,706
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	3,247,682	3,605,055
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Non owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	1,421,836	198,056
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Nonrecurring | Home Equity Lines of Credit	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	320,963	497,706
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Other real estate owned	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Non owner occupied one-to-four family	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Nonrecurring | Home Equity Lines of Credit	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$0	$0

Fair_Value_Estimates_Methods_a

Fair Value Estimates, Methods, and Assumptions for Financial Instruments (Detail) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Assets:	'	'
Securities - available-for-sale, carrying value	$14,580,128	$16,354,661
Securities - held-to-maturity, carrying value	9,225,102	8,069,424
Loans, net of allowance, carrying value	115,540,724	114,577,707
Federal Home Loan Bank stock, carrying value	1,049,800	1,103,700
Assets:	'	'
Securities - available-for-sale, estimated fair value	14,580,128	16,354,661
Securities - held-to-maturity, estimated fair value	9,370,915	8,101,210
Loans, net of allowance, estimated fair value	118,015,463	116,303,629
Federal Home Loan Bank stock, estimated fair value	1,049,800	1,103,700
Liabilities:	'	'
Deposit accounts and advances by borrowers, carrying value	114,686,767	118,759,093
Advances from the FHLB, carrying value	20,000,000	20,000,000
Liabilities:	'	'
Deposit accounts and advances by borrowers, estimated fair value	114,917,072	119,172,829
Advances from the FHLB, estimated fair value	20,549,103	20,590,659
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Assets:	'	'
Securities - available-for-sale, carrying value	0	0
Assets:	'	'
Securities - available-for-sale, estimated fair value	0	0
Securities - held-to-maturity, estimated fair value	0	0
Loans, net of allowance, estimated fair value	0	0
Federal Home Loan Bank stock, estimated fair value	0	0
Liabilities:	'	'
Deposit accounts and advances by borrowers, estimated fair value	0	0
Advances from the FHLB, estimated fair value	0	0
Significant Other Observable Inputs (Level 2)	'	'
Assets:	'	'
Securities - available-for-sale, carrying value	14,580,128	16,354,661
Assets:	'	'
Securities - available-for-sale, estimated fair value	14,580,128	16,354,661
Securities - held-to-maturity, estimated fair value	9,370,915	8,101,210
Loans, net of allowance, estimated fair value	4,990,481	4,300,817
Federal Home Loan Bank stock, estimated fair value	1,049,800	1,103,700
Liabilities:	'	'
Deposit accounts and advances by borrowers, estimated fair value	0	0
Advances from the FHLB, estimated fair value	0	0
Significant Unobservable Inputs (Level 3)	'	'
Assets:	'	'
Securities - available-for-sale, carrying value	0	0
Assets:	'	'
Securities - available-for-sale, estimated fair value	0	0
Securities - held-to-maturity, estimated fair value	0	0
Loans, net of allowance, estimated fair value	113,024,982	112,002,812
Federal Home Loan Bank stock, estimated fair value	0	0
Liabilities:	'	'
Deposit accounts and advances by borrowers, estimated fair value	114,917,072	119,172,829
Advances from the FHLB, estimated fair value	$20,549,103	$20,590,659

Earnings_Per_Share_Detail

Earnings Per Share (Detail) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Computation of Earnings Per Share [Line Items]	'	'	'	'
Net (Loss) Income	($144,818)	($91,129)	($82,722)	$76,842
Weighted average common shares outstanding	1,389,420	1,436,543	1,391,742	1,455,284
Basic (loss) earnings per common share	($0.10)	($0.07)	($0.06)	$0.06
Net (Loss) Income	($144,818)	($91,129)	($82,722)	$76,842
Weighted average common shares outstanding for basic earnings per common share	1,389,420	1,436,543	1,391,742	1,455,284
Add: Dilutive effects of common stock equivalents	0	0	0	0
Average shares and dilutive potential common shares	1,389,420	1,436,543	1,391,742	1,455,284
Diluted (loss) earnings per common share	($0.10)	($0.07)	($0.06)	$0.06