Sound Financial Bancorp (SFBC) 10-Q 13 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 10, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Sound Financial Bancorp, Inc.
Entity Central Index Key	1,541,119
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		2,465,907
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 36,669	$ 29,289
Available-for-sale securities, at fair value	7,140	11,524
Loans held for sale	772	810
Loans	435,829	430,360
Allowance for loan losses	(4,682)	(4,387)
Total Loans, net	431,147	425,973
Accrued interest receivable	1,453	1,497
Bank-owned life insurance ("BOLI"), net	11,661	11,408
Other real estate owned ("OREO") and repossessed assets, net	177	323
Mortgage servicing rights, at fair value	3,226	3,028
Federal Home Loan Bank ("FHLB") stock, at cost	1,558	2,224
Premises and equipment, net	5,580	5,555
Other assets	2,638	3,556
Total assets	502,021	495,187
Deposits
Interest-bearing	369,031	363,456
Noninterest-bearing demand	50,544	44,353
Total deposits	419,575	407,809
Borrowings	24,096	30,578
Accrued interest payable	61	76
Other liabilities	4,531	5,606
Advance payments from borrowers for taxes and insurance	895	474
Total liabilities	$ 449,158	$ 444,543
COMMITMENTS AND CONTINGENCIES (NOTE 7)
STOCKHOLDERS' EQUITY
Preferred stock, $0.01 par value, 1,000,000 shares authorized, none issued or outstanding	$ 0	$ 0
Common stock, $0.01 par value, 40,000,000 shares authorized, 2,465,907 and 2,524,645 shares issued and outstanding as of September 30, 2015 and December 31, 2014, respectively	25	25
Additional paid-in capital	22,643	23,552
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(1,140)	(1,140)
Retained earnings	31,168	28,024
Accumulated other comprehensive income (loss), net of tax	167	183
Total stockholders' equity	52,863	50,644
Total liabilities and stockholders' equity	$ 502,021	$ 495,187

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (unaudited) (Parenthetical) - $ / shares	Sep. 30, 2015	Dec. 31, 2014
STOCKHOLDERS' EQUITY
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	2,465,907	2,524,645
Common stock, shares outstanding (in shares)	2,465,907	2,524,645

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
INTEREST INCOME
Loans, including fees	$ 5,537	$ 5,339	$ 16,222	$ 15,687
Interest and dividends on investments, cash and cash equivalents	39	56	141	151
Total interest income	5,576	5,395	16,363	15,838
INTEREST EXPENSE
Deposits	662	580	1,985	1,692
Borrowings	23	32	70	126
Total interest expense	685	612	2,055	1,818
Net interest income	4,891	4,783	14,308	14,020
PROVISION FOR LOAN LOSSES	100	200	400	600
Net interest income after provision for loan losses	4,791	4,583	13,908	13,420
NONINTEREST INCOME
Service charges and fee income	641	805	1,958	2,040
Earnings on cash surrender value of bank-owned life insurance	85	87	253	253
Mortgage servicing income	202	202	671	235
Fair value adjustment on mortgage servicing rights	(22)	153	147	437
Loss on sale of securities	0	0	(31)	0
Net gain on sale of loans	360	184	1,146	371
Total noninterest income	1,266	1,431	4,144	3,336
NONINTEREST EXPENSE
Salaries and benefits	2,251	1,998	6,711	6,023
Operations	1,064	1,155	3,021	3,056
Regulatory assessments	180	66	476	201
Occupancy	413	381	1,186	994
Data processing	378	606	1,233	1,278
Net loss (gain) on sale of OREO and repossessed assets	96	(12)	178	149
Total noninterest expense	4,382	4,194	12,805	11,701
Income before provision for income taxes	1,675	1,820	5,247	5,055
Provision for income taxes	560	585	1,677	1,617
Net income	$ 1,115	$ 1,235	$ 3,570	$ 3,438
Earnings per common share:
Basic (in dollars per share)	$ 0.45	$ 0.49	$ 1.43	$ 1.37
Diluted (in dollars per share)	$ 0.44	$ 0.47	$ 1.38	$ 1.32
Weighted average number of common shares outstanding:
Basic (in shares)	2,465	2,516	2,500	2,511
Diluted (in shares)	2,552	2,609	2,586	2,605

Condensed Consolidated Stateme5

Condensed Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 1,115	$ 1,235	$ 3,570	$ 3,438
Available for sale securities:
Unrealized gains (losses) arising during the period, net of tax provision (benefits) of $(10), $33, $(19) and $234, respectively	(19)	64	(36)	456
Reclassification adjustment for net losses realized in income, net of tax provision of $0, $0, $11, and $0, respectively	0	0	20	0
Other comprehensive income, net of tax	(19)	64	(16)	456
Comprehensive income	$ 1,096	$ 1,299	$ 3,554	$ 3,894

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Available for sale securities:
Unrealized gains (losses) arising during the period, tax provision (benefits)	$ (10)	$ 33	$ (19)	$ 234
Reclassification adjustment for net losses realized in income, tax provision	$ 0	$ 0	$ 11	$ 0

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Stockholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Unearned ESOP Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Total
Balances at Dec. 31, 2013	$ 25	$ 23,829	$ (1,369)	$ 24,288	$ (269)	$ 46,504
Balance (in shares) at Dec. 31, 2013	2,510,810
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				3,438		3,438
Other comprehensive income, net of tax					456	456
Share-based compensation		289				289
Cash dividends on common stock				(378)		(378)
Restricted stock awards issued (in shares)	45,565
Common stock repurchased		(904)				(904)
Common stock repurchased (in shares)	(53,340)
Exercise of stock options		4				4
Exercise of stock options (in shares)	13,360
Balances at Sep. 30, 2014	$ 25	23,218	(1,369)	27,348	187	49,409
Balances (in shares) at Sep. 30, 2014	2,516,395
Balances at Dec. 31, 2014	$ 25	23,552	(1,140)	28,024	183	$ 50,644
Balance (in shares) at Dec. 31, 2014	2,524,645					2,524,645
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				3,570		$ 3,570
Other comprehensive income, net of tax					(16)	(16)
Share-based compensation		322				322
Cash dividends on common stock				(426)		(426)
Restricted stock awards issued (in shares)	10,208
Restricted stock forfeited and retired (in shares)	(8,981)
Common stock repurchased		(1,261)				(1,261)
Common stock repurchased (in shares)	(63,371)
Exercise of stock options		30				30
Exercise of stock options (in shares)	3,406
Balances at Sep. 30, 2015	$ 25	$ 22,643	$ (1,140)	$ 31,168	$ 167	$ 52,863
Balances (in shares) at Sep. 30, 2015	2,465,907					2,465,907

Condensed Consolidated Stateme8

Condensed Consolidated Statements of Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Condensed Consolidated Statements of Stockholders' Equity (unaudited) [Abstract]
Cash dividends on common stock ( in dollars per share)	$ 0.17	$ 0.05

Condensed Consolidated Stateme9

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,570	$ 3,438
Adjustments to reconcile net income to net cash from operating activities
Accretion of net premium on investments	96	329
Loss on sale of securities	31	0
Provision for loan losses	400	600
Depreciation and amortization	515	407
Compensation expense related to stock options and restricted stock	322	289
Fair value adjustment on mortgage servicing rights	(147)	(437)
Additions to mortgage servicing rights	(582)	(341)
Amortization of mortgage servicing rights	531	647
Increase in cash surrender value of BOLI	(253)	(253)
Gain on sale of loans	(1,146)	(371)
Proceeds from sale of loans	60,280	33,897
Originations of loans held for sale	(59,096)	(35,886)
Net Loss on sale and write-downs of OREO and repossessed assets	95	16
Change in operating assets and liabilities
Accrued interest receivable	44	(80)
Other assets	926	(170)
Accrued interest payable	(15)	(10)
Other liabilities	(1,075)	431
Net cash from (used by) operating activities	4,496	2,506
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available for sale securities	4,233	2,838
FHLB stock redeemed	666	67
Net increase in loans	(6,024)	(26,329)
Improvements to OREO and other repossessed assets	0	(11)
Proceeds from sale of OREO and other repossessed assets	501	1,367
Purchases of premises and equipment, net	(540)	(218)
Net cash used by investing activities	(1,164)	(22,286)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	11,766	33,232
Net cash received from acquisition	0	16,698
Proceeds from borrowings	64,000	135,500
Repayment of borrowings	(70,482)	(157,983)
Dividends paid on common stock	(426)	(378)
Net change in advances from borrowers for taxes and insurance	421	416
Proceeds from stock option exercises	30	4
Repurchase of common stock	(1,261)	(904)
Net cash from financing activities	4,048	26,585
Net increase in cash and cash equivalents	7,380	6,805
Cash and cash equivalents, beginning of period	29,289	15,334
Cash and cash equivalents, end of period	36,669	22,139
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	2,325	1,275
Interest paid on deposits and borrowings	2,070	1,828
Noncash net transfer from loans to OREO and repossessed assets	450	453
The following summarizes the non-cash activities related to the acquisition:
Fair value of assets acquired	0	4,904
Fair value of liabilities assumed	0	(21,602)
Net fair value of liabilities	$ 0	$ (16,698)

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2015
Basis of Presentation [Abstract]
Basis of Presentation	Note 1 – Basis of Presentation The accompanying financial information is unaudited and has been prepared from the consolidated financial statements of Sound Financial Bancorp, Inc., and its wholly owned subsidiary, Sound Community Bank. References in this document to Sound Financial Bancorp refer to Sound Financial Bancorp, Inc. and its predecessor, Sound Financial, Inc., a federal corporation, and references to the “Bank” refer to Sound Community Bank. References to “we,” “us,” and “our” or the “Company” means Sound Financial Bancorp and its wholly-owned subsidiary, Sound Community Bank unless the context otherwise requires. These 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 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (“SEC”). 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. Certain information and disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC. These unaudited financial statements should be read in conjunction with the Company’s Annual Report on Form 10-K for the year ended December 31, 2014, as filed with the SEC on March 31, 2015 (“2014 Form 10-K”). The results for the interim periods are not necessarily indicative of results for a full year. For further information, refer to the consolidated financial statements and footnotes for the year ended December 31, 2014, included in the 2014 Form 10-K. Certain amounts in the prior quarters’ consolidated financial statements have been reclassified to conform to the current presentation. These classifications do not have an impact on previously reported consolidated net income, retained earnings, stockholders’ equity or earnings per share.

Accounting Pronouncements Recen

Accounting Pronouncements Recently Issued or Adopted	9 Months Ended
	Sep. 30, 2015
Accounting Pronouncements Recently Issued or Adopted [Abstract]
Accounting Pronouncements Recently Issued or Adopted	Note 2 – Accounting Pronouncements Recently Issued or Adopted In January 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) FASB issued ASU No.2015-1, Income Statement-Extraordinary and Unusual Items (Subtopic 225-20). The objective of this ASU is to simplify the income statement presentation requirements in Subtopic 225-20 by eliminating the concept of extraordinary items. Extraordinary items are events and transactions that are distinguished by their unusual nature and by the infrequency of their occurrence. Eliminating the extraordinary classification simplifies income statement presentation by altogether removing the concept of extraordinary items from consideration. This ASU is effective for annual periods and interim periods within those annual periods beginning after December 15, 2015 with early adoption permitted. The adoption of ASU 2015-1 is not expected to have a material impact on the Company’s consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis, which is intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). The ASU focuses on simplifying the consolidation evaluation for reporting organizations that are required to evaluate whether they should consolidate certain legal entities by reducing the number of consolidation model from four to two, among other changes. The ASU will be effective for periods beginning after December 31, 2015, while early adoption is permitted. The Company does not expect this ASU to have a material impact on the Company's consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected. ASU No 2015-03 is effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. ASU No. 2015-03 should be applied on a retrospective basis. The Company is currently evaluating the impacts of this ASU on the Company's consolidated financial statements. In April 2015, FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement. The amendments in this ASU provide guidance to customers in cloud computing arrangements about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments are effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. Early adoption is permitted. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In June 2015, FASB issued ASU No. 2015-10, Technical Corrections and Improvements. On November 10, 2010 FASB added a standing project that will facilitate the FASB Accounting Standards Codification (‘Codification”) updates for technical corrections, clarifications, and improvements. These amendments are referred to as Technical Corrections and Improvements. Maintenance updates include non-substantive corrections to the Codification, such as editorial corrections, various link-related changes, and changes to source fragment information. This update contains amendments that will affect a wide variety of Topics in the Codification. The amendments in this ASU will apply to all reporting entities within the scope of the affected accounting guidance and generally fall into one of four categories: amendments related to differences between original guidance and the Codification, guidance clarification and reference corrections, simplification, and minor improvements. In summary, the amendments in this ASU represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice. Transition guidance varies based on the amendments in this ASU. The amendments in this ASU that require transition guidance are effective for fiscal years and interim reporting periods after December 15, 2015. Early adoption is permitted including adoption in an interim period. All other amendments are effective upon the issuance of this ASU. ASU 2015-10 did not have a material impact on the Company's consolidated financial statements. In July 2015, the FASB issued ASU 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (consensuses of the FASB Emerging Issues Task Force)." The amendments of this ASU (i) require fully benefit-responsive investment contracts to be measured, presented and disclosed only at contract value, not fair value; (ii) simplify the investment disclosure requirements; and (iii) provide a measurement date practical expedient for employee benefit plans. This ASU is effective for fiscal years beginning after December 15, 2015, earlier adoption application is permitted. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-14, Revenue from Contracts with Customers, deferring the effective date of the new revenue standard by one year. The standard also allows entities to choose to adopt the standard as of the original effective date. The FASB decided, based on its outreach to various stakeholders and the forthcoming amendments to the new revenue standard, that a deferral is necessary to provide adequate time to effectively implement the new revenue standard. In August 2015, the FASB issued ASU No. 2015-15, Interest—Imputation of Interest (Subtopic 835-30), Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. The ASU provides guidance not previously included in ASU 2015-03 regarding debt issuance related to line-of-credit arrangements. The amendment allows an entity to present debt issuance costs as an asset and subsequently amortize the deferred debt issuance costs over the term of the line-of-credit arrangement, regardless if there are any outstanding borrowings on the line-of-credit arrangement. The amendment is effective for fiscal years beginning after December 15, 2015. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805). The ASU simplifies the accounting for measurement period adjustments. The amendments require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period when the adjustment amounts are determined. The acquirer is required to record in the same period's financial statements the effect on earnings from changes in depreciation, amortization, or other income effects resulting from the change to provisional amounts, calculated as if the accounting had been completed at the acquisition date. The acquirer must present separately on the income statement, or disclose in the notes, the amount recorded in current-period earnings that would have been recorded in previous reporting periods if the provisional amount had been recognized at the acquisition date. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. This ASU is not expected to have a material effect on the Company's consolidated financial statements.

Investments

Investments	9 Months Ended
	Sep. 30, 2015
Investments [Abstract]
Investments	Note 3 – Investments The amortized cost and fair value of our available-for-sale (“AFS”) securities and the corresponding amounts of gross unrealized gains and losses at the dates indicated were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value September 30, 2015 Municipal bonds $ 1,912 $ 152 $ - $ 2,064 Agency mortgage-backed securities 4,510 111 (13 ) 4,608 Non-agency mortgage-backed securities 492 - (24 ) 468 Total $ 6,914 $ 263 $ (37 ) $ 7,140 December 31, 2014 Municipal bonds $ 1,911 $ 172 $ - $ 2,083 Agency mortgage-backed securities 7,024 110 (38 ) 7,096 Non-agency mortgage-backed securities 2,312 83 (50 ) 2,345 Total $ 11,247 $ 365 $ (88 ) $ 11,524 The amortized cost and fair value of AFS securities at September 30, 2015, by contractual maturity, are shown below (in thousands). Expected maturities of AFS securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. At September 30, 2015 Amortized Cost Fair Value Due after five years to ten years 260 276 Due after ten years 6,654 6,864 Total $ 6,914 $ 7,140 No securities were pledged to secure Washington State Public Funds as of September 30, 2015. There were no sales of AFS securities during the three months ended September 30, 2015. We sold $1.7 million of non-agency mortgage-backed securities generating gross losses of $31,000 and no gross gains during the nine months ended September 30, 2015. There were no sales of AFS securities during the three or nine months ended September 30, 2014. The following tables summarize at the dates indicated the aggregate fair value and gross unrealized loss by length of time of those investments that have been continuously in an unrealized loss position (in thousands): September 30, 2015 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ - $ - $ 1,419 $ (13 ) $ 1,419 $ (13 ) Non-agency mortgage-backed securities - - 468 (24 ) 468 (24 ) Total $ - $ - $ 1,887 $ (37 ) $ 1,887 $ (37 ) December 31, 2014 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ 627 $ (6 ) $ 2,216 $ (32 ) $ 2,843 $ (38 ) Non-agency mortgage-backed securities - - 507 (50 ) 507 (50 ) Total $ 627 $ (6 ) $ 2,723 $ (82 ) $ 3,350 $ (88 ) The following table presents the cumulative roll forward of credit losses recognized in earnings during the three and nine months ended September 30, 2015 and 2014 relating to the Company’s non-U.S. agency mortgage-backed securities (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Estimated credit losses, beginning balance $ - $ 450 $ 450 $ 450 Additions for credit losses not previously recognized - - - - Reduction for increases in cash flows - - - - Reduction of related OTTI due to sales - - (450 ) - Reduction for realized losses - - - - Estimated credit losses, ending balance $ - $ 450 $ - $ 450 At September 30, 2015, our securities portfolio consisted of 13 agency mortgage-backed securities, one non-agency mortgage-backed security and five municipal bonds with a fair value of $7.1 million. At December 31, 2014, our securities portfolio consisted of 15 agency mortgage-backed securities, five non-agency mortgage-backed securities and five municipal bonds with an aggregate fair value of $11.5 million. At September 30, 2015, the only non-agency mortgage-backed security was in an unrealized loss position compared to three of the 15 agency mortgage-backed securities at December 31, 2014 . As of September 30, 2015, the only non-agency mortgage-backed security in our portfolio was in an unrealized loss position compared to one of the five non-agency mortgage-backed securities contained in our portfolio at December 31, 2014. The unrealized loss was caused by changes in interest rates and market illiquidity causing a decline in the fair value subsequent to the purchase. The contractual term of this investment does not permit the issuer to settle the security at a price less than par. Because the decline in fair value is attributable to changes in interest rates or widening market spreads and not credit quality, and because we do not intend to sell the security and it is not likely that we will be required to sell this security before recovery of its amortized cost basis, which may include holding the security until contractual maturity, the unrealized loss on this investment is not considered an OTTI.

Loans

Loans	9 Months Ended
	Sep. 30, 2015
Loans [Abstract]
Loans	Note 4 – Loans The composition of the loan portfolio at the dates indicated, excluding loans held for sale, was as follows (in thousands): At September 30, 2015 At December 31, 2014 Real estate loans: One- to four- family $ 137,131 $ 133,031 Home equity 31,821 34,675 Commercial and multifamily 164,179 168,952 Construction and land 49,034 46,279 Total real estate loans $ 382,165 382,937 Consumer loans: Manufactured homes 13,632 12,539 Other consumer 20,987 16,875 Total consumer loans 34,619 29,414 Commercial business loans 20,674 19,525 Total loans 437,458 431,876 Deferred fees (1,629 ) (1,516 ) Total loans, gross 435,829 430,360 Allowance for loan losses (4,682 ) (4,387 ) Total loans, net $ 431,147 $ 425,973 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2015 (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 661 $ 89 $ 183 $ 18 $ 60 $ - $ 11 $ - $ 1,022 Collectively evaluated for impairment 1,107 430 1,158 99 132 169 123 442 3,660 Ending balance $ 1,768 $ 519 $ 1,341 $ 117 $ 192 $ 169 $ 134 $ 442 $ 4,682 Loans receivable: Individually evaluated for impairment $ 5,984 $ 913 $ 1,976 $ 134 $ 362 $ 81 $ 157 $ - $ 9,607 Collectively evaluated for impairment 131,147 30,908 162,203 48,900 13,270 20,906 20,517 - 427,851 Ending balance $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ - $ 437,458 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 258 $ 28 $ 8 $ 14 $ 41 $ 18 $ - $ - $ 367 Collectively evaluated for impairment 1,184 573 1,236 385 152 149 108 233 4,020 Ending balance $ 1,442 $ 601 $ 1,244 $ 399 $ 193 $ 167 $ 108 $ 233 $ 4,387 Loans receivable: Individually evaluated for impairment $ 4,186 $ 1,247 $ 2,956 $ 180 $ 404 $ 51 $ 124 $ - $ 9,148 Collectively evaluated for impairment 128,845 33,428 165,996 46,099 12,135 16,824 19,401 - 422,728 Ending balance $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ - $ 431,876 The following table summarizes the activity in loan losses for the three months ended September 30, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,594 $ - $ - $ 174 $ 1,768 Home equity 509 - 25 (15 ) 519 Commercial and multifamily 1,507 - - (166 ) 1,341 Construction and land 345 - 1 (229 ) 117 Manufactured homes 193 - - (1 ) 192 Other consumer 183 (18 ) 2 2 169 Commercial business 145 - - (11 ) 134 Unallocated 96 - - 346 442 Total $ 4,572 $ (18 ) $ 28 $ 100 $ 4,682 The following table summarizes the activity in loan losses for the nine months ended September 30, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,442 $ (21 ) $ - $ 347 $ 1,768 Home equity 601 (19 ) 35 (98 ) 519 Commercial and multifamily 1,244 - - 97 1,341 Construction and land 399 (40 ) 1 (242 ) 117 Manufactured homes 193 (32 ) 5 24 192 Other consumer 167 (45 ) 11 37 169 Commercial business 108 - - 26 134 Unallocated 233 - - 209 442 Total $ 4,387 $ (157 ) $ 52 $ 400 $ 4,682 The following table summarizes the activity in loan losses for the three months ended September 30, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 872 $ (51 ) $ 64 $ 26 $ 911 Home equity 446 (187 ) 15 93 367 Commercial and multifamily 1,790 - 1 27 1,818 Construction and land 260 - - (21 ) 239 Manufactured homes 137 (12 ) 4 (15 ) 114 Other consumer 87 (5 ) 10 9 101 Commercial business 137 - - 101 238 Unallocated 462 - - (20 ) 442 Total $ 4,191 $ (255 ) $ 94 $ 200 $ 4,230 The following table summarizes the activity in loan losses for the nine months ended September 30, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,915 $ (116 ) $ 65 $ (953 ) $ 911 Home equity 781 (295 ) 48 (167 ) 367 Commercial and multifamily 300 (46 ) 2 1,562 1,818 Construction and land 318 - - (79 ) 239 Manufactured homes 209 (189 ) 9 85 114 Other consumer 109 (42 ) 17 17 101 Commercial business 102 - - 136 238 Unallocated 443 - - (1 ) 442 Total $ 4,177 $ (688 ) $ 141 $ 600 $ 4,230 Credit Quality Indicators. When we classify problem loans as either substandard or doubtful, we may establish a specific allowance in an amount we deem prudent to address the risk specifically (if the loan is impaired) or we may allow the loss to be addressed in the general allowance (if the loan is not impaired). General allowances represent loss reserves which have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been specifically allocated to particular problem loans. When the Company classifies problem loans as a loss, we charge off such assets in the period in which they are deemed uncollectible. Assets that do not currently expose us to sufficient risk to warrant classification as substandard, doubtful or loss but possess identified weaknesses are classified as either watch or special mention assets. Our determination as to the classification of our assets and the amount of our valuation allowances is subject to review by the Federal Deposit Insurance Corporation (“FDIC”), which can order the establishment of additional loss allowances. Pass rated loans are loans that are not otherwise classified or criticized. The following table represents the internally assigned grades as of September 30, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 132,552 $ 30,389 $ 158,763 $ 48,928 $ 13,389 $ 20,846 $ 19,597 $ 424,464 Watch 1,477 771 3,979 65 168 60 1,037 7,557 Special Mention 1,410 - - - 33 - 40 1,483 Substandard 1,692 661 1,437 41 42 81 - 3,954 Doubtful - - - - - - - - Loss - - - - - - - - Total $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ 437,458 The following table represents the internally assigned grades as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 120,152 $ 30,785 $ 163,573 $ 45,427 $ 11,427 $ 16,587 $ 18,919 $ 406,870 Watch 11,793 3,322 3,740 852 1,038 240 606 21,591 Special Mention - - - - 24 - - 24 Substandard 1,086 568 1,639 - 50 48 - 3,391 Doubtful - - - - - - - - Loss - - - - - - - - Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876 Nonaccrual and Past Due Loans The following table presents the recorded investment in nonaccrual loans as of September 30, 2015 and December 31, 2014, by type of loan (in thousands): September 30, 2015 December 31, 2014 One- to four- family $ 1,149 $ 1,092 Home equity 349 258 Construction and land 41 81 Manufactured homes 18 6 Other consumer 75 27 Total $ 1,632 $ 1,464 The following table represents the aging of the recorded investment in past due loans as of September 30, 2015 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due 90 Days and Greater Past Due 90 Days and Greater Past Due and Still Accruing Total Past Due Current Total Loans One-to four- family $ - $ 340 $ 1,149 $ 338 $ 1,827 $ 135,304 $ 137,131 Home equity 938 7 299 - 1,244 30,577 31,821 Commercial and multifamily 63 - - - 63 164,116 164,179 Construction and land - - 41 - 41 48,993 49,034 Manufactured homes 77 32 5 - 114 13,518 13,632 Other consumer 34 4 75 - 113 20,874 20,987 Commercial business 9 - - - 9 20,665 20,674 Total $ 1,121 $ 383 $ 1,569 $ 338 $ 3,411 $ 434,047 $ 437,458 The following table represents the aging of the recorded investment in past due loans as of December 31, 2014 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due 90 Days and Greater Past Due 90 Days and Greater Past Due and Still Accruing Total Past Due Current Total Loans One-to four- family $ 1,300 $ 167 $ 720 $ - $ 2,187 $ 130,844 $ 133,031 Home equity 585 109 203 - 897 33,778 34,675 Commercial and multifamily - - - - - 168,952 168,952 Construction and land - - 81 - 81 46,198 46,279 Manufactured homes 197 42 27 114 380 12,159 12,539 Other consumer 23 7 - - 30 16,845 16,875 Commercial business 430 - - - 430 19,095 19,525 Total $ 2,535 $ 325 $ 1,031 $ 114 $ 4,005 $ 427,871 $ 431,876 Nonperforming Loans. The following table represents the credit risk profile of our loan portfolio based on payment activity as of September 30, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 135,644 $ 31,386 $ 164,179 $ 48,993 $ 13,578 $ 20,912 $ 20,674 $ 435,366 Nonperforming 1,487 435 - 41 54 75 - 2,092 Total $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ 437,458 The following table represents the credit risk profile of our loan portfolio based on payment activity as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 131,519 $ 34,289 $ 167,313 $ 46,198 $ 12,344 $ 16,846 $ 19,525 $ 428,034 Nonperforming 1,512 386 1,639 81 195 29 - 3,842 Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876 Impaired Loans. The following table presents loans individually evaluated for impairment as of September 30, 2015 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: One-to four- family $ 1,134 $ 1,487 $ - Home equity 156 159 - Commercial and multifamily - - - Construction and land 41 81 - Manufactured homes 29 41 - Other consumer 75 90 - Commercial business - - - Total 1,435 1,858 - With an allowance recorded: One-to four- family 4,850 4,525 661 Home equity 757 851 89 Commercial and multifamily 1,976 1,976 183 Construction and land 93 93 18 Manufactured homes 333 333 60 Other consumer 6 6 - Commercial business 157 157 11 Total 8,172 7,941 1,022 Totals: One-to-four family 5,984 6,012 661 Home equity 913 1,010 89 Commercial and multifamily 1,976 1,976 183 Construction and land 134 174 18 Manufactured homes 362 374 60 Other consumer 81 96 - Commercial business 157 157 11 Total $ 9,607 $ 9,799 $ 1,022 The following table presents loans individually evaluated for impairment as of December 31, 2014 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: One-to four- family $ 2,096 $ 2,340 $ - Home equity 494 555 - Commercial and multifamily 1,492 1,542 - Construction and land 100 100 - Manufactured homes 87 94 - Other consumer 21 21 - Commercial business 124 124 - Total 4,414 4,776 - With an allowance recorded: One-to four- family 2,090 2,090 258 Home equity 753 847 28 Commercial and multifamily 1,464 1,464 8 Construction and land 80 80 14 Manufactured homes 317 317 41 Other consumer 30 30 18 Commercial business - - - Total 4,734 4,828 367 Totals: One-to four- family 4,186 4,430 258 Home equity 1,247 1,402 28 Commercial and multifamily 2,956 3,006 8 Construction and land 180 180 14 Manufactured homes 404 411 41 Other consumer 51 51 18 Commercial business 124 124 - Total $ 9,148 $ 9,604 $ 367 The following table presents the average recorded investment and interest income recognized on impaired loans by type of loan for the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to four- family $ 1,688 $ 19 $ 2,276 $ 22 $ 1,797 $ 45 $ 1,444 $ 70 Home equity 251 2 756 8 387 5 510 24 Commercial and multifamily 125 - 2,245 19 756 - 2,005 55 Construction and land 41 1 122 1 50 - 71 7 Manufactured homes 29 1 93 2 60 2 92 5 Other consumer 41 2 19 2 29 1 14 3 Commercial business - - 127 2 82 - 153 5 Total 2,174 25 5,638 56 3,159 53 4,289 169 With an allowance recorded: One-to four- family 4,072 51 2,283 24 3,160 153 3,184 74 Home equity 755 8 789 8 728 23 1,078 24 Commercial and multifamily 2,263 30 737 21 1,860 78 1,168 59 Construction and land 94 1 82 1 107 4 134 3 Manufactured homes 337 6 395 7 325 18 474 20 Other consumer 52 - 6 - 34 1 12 - Commercial business 138 2 - - 69 5 69 - Total 7,710 98 4,292 61 6,284 282 6,119 180 Totals: One-to four- family 5,760 70 4,559 46 4,957 198 4,628 144 Home equity 1,006 10 1,545 16 1,115 28 1,588 48 Commercial and multifamily 2,388 30 2,982 40 2,616 78 3,173 114 Construction and land 135 2 204 2 157 4 205 10 Manufactured homes 366 7 488 9 385 20 566 25 Other consumer 93 2 25 2 63 2 26 3 Commercial business 138 2 127 2 151 5 222 5 Total $ 9,884 $ 123 $ 9,930 $ 117 $ 9,443 $ 335 $ 10,408 $ 349 Forgone interest on nonaccrual loans was $72,000 and $61,000 for the nine months ended September 30, 2015 and 2014, respectively. There were no commitments to lend additional funds to borrowers whose loans were classified as nonaccrual, TDR or impaired at September 30, 2015 or December 31, 2014. Troubled debt restructurings. Rate Modification Term Modification Payment Modification Combination Modification There were no new TDRs that occurred during the nine months ended September 30, 2015 The following table presents new TDRs by type of modification that occurred during the three months ended September 30, 2014 (in thousands): Three months ended September 30, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications Home equity 1 $ - $ - $ - $ 57 $ 57 Commercial and multifamily 1 - - - 1,473 1,473 Total 2 $ - $ - $ - $ 1,530 $ 1,530 The following table presents new TDRs by type of modification that occurred during the nine months ended September 30, 2014 (in thousands): Nine months ended September 30, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications One-to four- family 1 - - - 176 176 Home equity 1 - - - 57 176 Commercial and multifamily 1 - - 1,473 1,473 Total 3 $ - $ - $ - $ 1,706 $ 1,706 There were no post-modification changes for the recorded investment in loans that were recorded as a result of the TDRs for the three and nine months ended September 30, 2015 and 2014, respectively. At September 30, 2015 the Company had no commitments to extend additional credit to borrowers whose loan terms have been modified in TDRs. The allowance for loan losses allocated to TDRs at September 30, 2015 and December 31, 2014 was $667,000 and $349,000, respectively. The following table represents loans modified as TDRs within the previous 12 months for which there was a payment default during the three and nine months ended September 30, 2015 and 2014, respectively (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 One- to four-family $ - $ 176 $ - $ 176 Commercial and multifamily - - - - Total $ - $ 176 $ - $ 176 For the preceding tables, a loan is considered in default when a payment is 30 days past due. At September 30, 2015, there were no TDRs modified within the previous 12 months that were delinquent or on nonaccrual status.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 5 – Fair Value Measurements The following tables present information about the level in the fair value hierarchy for the Company’s financial assets and liabilities, whether or not recognized or recorded at fair value as of September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 36,669 $ 36,669 $ 36,669 $ - $ - Available for sale securities 7,140 7,140 - 7,140 - Loans held for sale 772 797 - 797 - Loans 435,829 430,652 - - 430,652 Accrued interest receivable 1,453 1,453 1,453 - - Bank-owned life insurance, net 11,661 11,661 - 11,661 - Mortgage servicing rights 3,226 3,226 - - 3,226 FHLB stock 1,558 1,558 - - 1,558 FINANCIAL LIABILITIES: Non-maturity deposits 259,994 259,994 - 259,994 - Time deposits 159,581 158,624 - 158,624 - Borrowings 24,096 24,071 - 24,071 - Accrued interest payable 61 61 - 61 - December 31, 2014 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 29,289 $ 29,289 $ 29,289 $ - $ - Available for sale securities 11,524 11,524 - 9,179 2,345 Loans held for sale 810 828 - 828 - Loans 430,360 423,714 - - 423,714 Accrued interest receivable 1,497 1,497 1,497 - - Bank-owned life insurance, net 11,661 11,661 - 11,661 - Mortgage servicing rights 3,028 3,028 - - 3,028 FHLB Stock 2,224 2,224 - - 2,224 FINANCIAL LIABILITIES: Non-maturity deposits 235,870 235,870 - 235,870 - Time deposits 171,939 172,334 - 172,334 - Borrowings 30,578 30,534 - 30,534 - Accrued interest payable 76 76 - 76 - The following table presents the balance of assets measured at fair value on a recurring basis as of September 30, 2015 and December 31, 2014 (in thousands): Fair Value at September 30, 2015 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,064 $ - $ 2,064 $ - Agency mortgage-backed securities 4,608 - 4,608 - Non-agency mortgage-backed securities 468 - - 468 Mortgage servicing rights 3,226 - - 3,226 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,083 $ - $ 2,083 $ - Agency mortgage-backed securities 7,096 - 7,096 - Non-agency mortgage-backed securities 2,345 - - 2,345 Mortgage servicing rights 3,028 - - 3,028 For the three and nine months ended September 30, 2015 and 2014 there were no transfers between Level 1 and Level 2 nor between Level 2 and Level 3. The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at September 30, 2015: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 105-380% (192%) Discount rate 8-12% (10%) Non-agency mortgage-backed securities Discounted cash flow Discount rate (8%) Generally, any significant increases in the constant prepayment rate and discount rate utilized in the fair value measurement of the mortgage servicing rights will result in a negative fair value adjustment (and decrease in the fair value measurement). Conversely, a decrease in the constant prepayment rate and discount rate will result in a positive fair value adjustment (and increase in the fair value measurement). An increase in the weighted average life assumptions will result in a decrease in the constant prepayment rate and conversely, a decrease in the weighted average life will result in an increase of the constant prepayment rate. The following table provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Beginning balance, at fair value $ 483 $ 2,583 $ 2,345 $ 2,419 OTTI impairment losses - - - - Principal payments (14 ) (93 ) (149 ) (314 ) Sales - (1,702 ) Change in unrealized loss (1 ) 15 (26 ) 400 Ending balance, at fair value $ 468 $ 2,505 $ 468 $ 2,505 Mortgage servicing rights are measured at fair value using significant unobservable input (Level 3) on a recurring basis and a reconciliation of this asset can be found in Note 6 – Mortgage Servicing Rights. The following tables present the balance of assets measured at fair value on a nonrecurring basis at the dates indicated (in thousands): Fair Value at September 30, 2015 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 177 $ - $ - $ 177 Impaired loans $ 9,607 - - $ 9,607 Fair Value at December 31, 2014 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 323 $ - $ - $ 323 Impaired loans 9,148 - - 9,148 There were no liabilities carried at fair value, measured on a recurring or nonrecurring basis, at September 30, 2015 or December 31, 2014. The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at September 30, 2015: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjustment for differences between comparable sales 5-48% (21%) Impaired loans Market approach Adjustment for differences between comparable sales 0-30% (7%) A description of the valuation methodologies used for impaired loans and OREO is as follows: Impaired Loans OREO and Repossessed Assets The following methods and assumptions were used to estimate the fair value of other financial instruments: Cash and cash equivalents, accrued interest receivable and payable, and advance payments from borrowers for taxes and insurance AFS Securities Loans Held for Sale Loans Mortgage Servicing Rights FHLB stock Bank-owned Life Insurance Deposits Borrowings Off-balance-sheet financial instruments We assume interest rate risk (the risk that general interest rate levels will change) as a result of our normal operations. As a result, the fair values of our financial instruments will change when interest rate levels change, which may be favorable or unfavorable to us. Management attempts to match maturities of assets and liabilities to the extent necessary or possible to minimize interest rate risk. However, borrowers with fixed-rate obligations are less likely to prepay in a rising rate environment and more likely to prepay in a falling rate environment. Conversely, depositors who are receiving fixed rates are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by establishing early withdrawal penalties for certificates of deposit, creating interest rate floors for certain variable rate loans, adjusting terms of new loans and deposits, by borrowing at fixed rates for fixed terms and investing in securities with terms that mitigate our overall interest rate risk.

Mortgage Servicing Rights

Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2015
Mortgage Servicing Rights [Abstract]
Mortgage Servicing Rights	Note 6 – Mortgage Servicing Rights The unpaid principal balances of loans serviced for Fannie Mae at September 30, 2015 and December 31, 2014, totaled approximately $360.1 million and $357.8 million, respectively, and was not included in the Company’s financial statements. We also service loans for other financial institutions. The unpaid principal balances of loans serviced for other financial institutions at September 30, 2015 and December 31, 2014, totaled approximately $19.1 million and $14.2 million, respectively, and was not included in the Company’s financial statements. A summary of the change in the balance of mortgage servicing rights during the three and nine months ended September 30, 2015 and 2014 were as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Beginning balance, at fair value $ 3,028 $ 2,993 $ 3,028 $ 2,984 Servicing rights that result from transfers of financial assets 146 157 582 341 Changes in fair value: Due to changes in model inputs or assumptions (1) (22 ) 152 152 437 Other (2) 74 (187 ) (536 ) (647 ) Ending balance, at fair value $ 3,226 $ 3,115 $ 3,226 $ 3,115 (1) (2) The key economic assumptions used in determining the fair value of mortgage servicing rights at the dates indicated are as follows: At September 30, 2015 2014 Prepayment speed (Public Securities Association “PSA” model) 192 % 196 % Weighted-average life (years) 6.43 6.41 Yield to maturity discount rate 10.0 % 10.0 % The amount of contractually specified servicing, late and ancillary fees earned and recorded in mortgage servicing income on the Condensed Consolidated Statements of Income was $202,000 and $671,000 for the three and nine months ended September 30, 2015, respectively and $202,000 and $235,000 for the three and nine months ended September 30, 2014, respectively.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 7 – Commitments and Contingencies In the normal course of operations, the Company engages in a variety of financial transactions that are not recorded in our financial statements. These transactions involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. These transactions are used primarily to manage customers’ requests for funding and take the form of loan commitments and lines of credit.

Borrowings and FHLB Stock

Borrowings and FHLB Stock	9 Months Ended
	Sep. 30, 2015
Borrowings and FHLB Stock [Abstract]
Borrowings and FHLB Stock	Note 8 – Borrowings and FHLB Stock The Company utilizes a loan agreement with the FHLB of Des Moines. The terms of the agreement call for a blanket pledge of a portion of the Company’s mortgage and commercial and multifamily portfolio based on the outstanding balance. At September 30, 2015 and December 31, 2014, the amount available to borrow As a member of the FHLB system, the Bank is required to maintain a minimum level of investment in FHLB stock based on specific percentages of its outstanding FHLB advances . The Company participates in the Federal Reserve Bank Borrower-in-Custody program, which gives the Company access to the discount window. The terms of the program call for a pledge of specific assets. The Company had unused borrowing capacity of $25.9 million and $21.8 million and no outstanding borrowings under this program at September 30, 2015 and December 31, 2014, respectively. The Company has access to a Fed Funds line of credit from the Pacific Coast Banker's Bank. The line has a two-year term maturing on June 30, 2016 and is renewable biannually. The Company had unused borrowing capacity of $2.0 million and no outstanding borrowings under this agreement at September 30, 2015 and December 31, 2014. The Company has access to a Fed Funds line of credit from Zions Bank under a Fed Funds Sweep and Line Agreement established September 26, 2013. The agreement allows access to a Fed Funds line of up to $9.0 million and requires the Company to maintain cash balances with Zions Bank of $250,000. The agreement has no maturity date. There were no outstanding borrowings on this line of credit at September 30, 2015 or December 31, 2014.

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
	Sep. 30, 2015
Earnings Per Common Share [Abstract]
Earnings Per Common Share	Note 9 – Earnings Per Common Share Basic earnings per common share is computed by dividing net income (which has been adjusted for distributed and undistributed earnings to participating securities) by the weighted-average number of common shares outstanding for the period, reduced for average unallocated ESOP shares and average unvested restricted stock awards. Unvested share-based awards that contain non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method described in ASC 260-10-45-60B. Diluted earnings per common share reflects the potential dilution that could occur if securities or other contracts to issue common stock (such as stock awards and options) were exercised or converted to common stock, or resulted in the issuance of common stock that then shared in the Company's earnings. Diluted earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding for the period increased for the dilutive effect of unexercised stock options and unvested restricted stock awards. The dilutive effect of the unexercised stock options and unvested restricted stock awards is calculated under the treasury stock method utilizing the average market value of the Company's stock for the period. Earnings per common share are summarized for the periods presented in the following table (dollars in thousands, except per share data): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Net income $ 1,115 $ 1,235 $ 3,570 $ 3,438 Less net income attributable to participating securities (1) 38 22 118 60 Net income available to common shareholders $ 1,077 $ 1,213 $ 3,452 $ 3,378 Weighted average number of shares outstanding, basic 2,465 2,516 2,500 2,511 Effect of potentially dilutive common shares (2) 87 93 86 94 Weighted average number of shares outstanding, diluted 2,552 2,609 2,586 2,605 Earnings per share, basic $ 0.45 $ 0.49 $ 1.43 $ 1.37 Earnings per share, diluted $ 0.44 $ 0.47 $ 1.38 $ 1.32 (1) (2) There were no shares considered anti-dilutive for the three and nine months ended September 30, 2015 or 2014.

Stock-based Compensation

Stock-based Compensation	9 Months Ended
	Sep. 30, 2015
Stock-based Compensation [Abstract]
Stock-based Compensation	Note 10 – Stock-based Compensation Stock Options and Restricted Stock The Company currently has two existing Equity Incentive Plans, a 2008 Equity Inventive Plan (the"2008 Plan") and a 2013 Equity Incentive Plan (the "2013 Plan"), both of which were approved by shareholders. The Plans permit the grant of restricted stock, restricted stock units, stock options, and stock appreciation rights. Under the 2008 Plan, 126,287 shares of common stock were approved for awards for stock options and stock appreciation rights and 50,514 shares of common stock were approved for awards for restricted stock and restricted stock units. Under the 2013 Plan, 141,750 shares of common stock were approved for awards for stock options and stock appreciation rights and 56,700 shares of common stock were approved for awards for restricted stock and restricted stock units. As of September 30, 2015, awards for stock options totaling 188,189 shares and awards for restricted stock totaling 31,553 shares of Company common stock are outstanding. During the three and nine months ended September 30, 2015 and September 30, 2014, share-based compensation expense totaled $115,000, $322,000, $45,000 and $289,000, respectively. Stock Option Awards All of the stock option awards granted under the Plans to date provide for the recipient's award to vest in 20 percent annual increments commencing one year from the grant date. All of the options granted are exercisable for a period of 10 years from the date of grant, subject to vesting. The following is a summary of the Company's stock option plan awards during the nine months ended September 30, 2015: Shares Weighted- Average Exercise Price Weighted-Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 152,018 $ 13.30 7.21 $ 858,902 Granted 40,782 $ 18.36 Exercised (4,611 ) $ 9.10 Forfeited (1,205 ) $ 16.80 Expired - Outstanding at September 30, 2015 188,189 $ 14.45 $ 1,067,032 Exercisable 87,166 $ 12.07 $ 701,686 Expected to vest, assuming a 0% forfeiture rate over the vesting term 188,189 $ 14.45 $ 1,067,032 As of September 30, 2015, there was $708,000 of total unrecognized compensation cost related to non-vested stock options granted under the Plans. The cost is expected to be recognized over the remaining weighted-average vesting period of 1.7 years . The fair value of each option award granted is estimated on the date of grant using a Black-Scholes model. The assumptions used for the nine months ended September 30, 2015 are presented in the table below: Annual dividend yield 1.2 % Expected volatility 24.8 % Risk-free interest rate 1.35 % Expected term 7.25 years Weighted-average grant date fair value per option granted $ 3.83 Restricted Stock Awards The fair value of the restricted stock awards is equal to the fair value of the Company’s stock at the date of grant. Compensation expense is recognized over the vesting period that the awards are based. The restricted stock awards granted under the 2008 Plan to date provide for vesting in 20 percent annual increments commencing one year from the grant date. The restricted stock awards under the 2013 Plan to date vested 20% of a recipient’s award immediately with the balance of an individual’s award vestings in four equal annual installments commencing one year from the grant date. The following is a summary of the Company’s outstanding restricted stock awards during the nine months ended September 30, 2015: Non-vested Shares Shares Weighted-Average Grant-Date Fair Value Per Share Non-vested at January 1, 2015 33,243 $ 2.49 Granted 10,208 3.83 Vested (11,416 ) 1.94 Forfeited (482 ) 1.31 Expired - - Non-vested at September 30, 2015 31,553 $ 1.87 Expected to vest assuming a 0% forfeiture rate over the vesting term 31,553 $ 1.87 As of September 30, 2015, there was $572,000 of unrecognized compensation cost related to non-vested restricted stock granted under the Plan remaining. The cost is expected to be recognized over the weighted-average vesting period of 1.2 years. The total fair value of shares vested for the nine months ended September 30, 2015 and 2014 was $240,000 and $269.000, respectively. Employee Stock Ownership Plan In January 2008, the ESOP borrowed $1.2 million from the Company to purchase common stock of the Company. In August 2012, in conjunction with the Company’s “second step” conversion to become a fully converted public company, the ESOP borrowed $1.1 million from the Company to purchase additional common stock of the Company. Both loans are being repaid principally by the Bank through contributions to the ESOP over a period of ten years. The interest rate on the loans is fixed at 4.0% and 2.25%, per annum, respectively. As of September 30, 2015, the remaining balances of the ESOP loans were $398,000 and $808,000, respectively. Neither the loan balances nor the related interest expense are reflected on the condensed consolidated financial statements. At September 30, 2015, the ESOP was committed to release 21,443 shares of the Company’s common stock to participants and held 109,686 unallocated shares remaining to be released in future years. The fair value of the 194,728 shares of Company common stock held by the ESOP trust was $3.9 million at September 30, 2015. ESOP compensation expense included in salaries and benefits was $110,000 and $313,000 for the three and nine months ended September 30, 2015 and $78,000 and $233,000 for the three and nine months ended September 30, 2014, respectively.

Subsequent Event

Subsequent Event	9 Months Ended
	Sep. 30, 2015
Subsequent Event [Abstract]
Subsequent Event	Note 11 – Subsequent Event On October 29, 2015, the Company declared a quarterly cash dividend of $0.06 per common share, payable November 24, 2015 to shareholders of record at the close of business November 10, 2015.

Accounting Pronouncements Rec21

Accounting Pronouncements Recently Issued or Adopted (Policies)	9 Months Ended
	Sep. 30, 2015
Accounting Pronouncements Recently Issued or Adopted [Abstract]
New Accounting Pronouncements	In January 2015, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) FASB issued ASU No.2015-1, Income Statement-Extraordinary and Unusual Items (Subtopic 225-20). The objective of this ASU is to simplify the income statement presentation requirements in Subtopic 225-20 by eliminating the concept of extraordinary items. Extraordinary items are events and transactions that are distinguished by their unusual nature and by the infrequency of their occurrence. Eliminating the extraordinary classification simplifies income statement presentation by altogether removing the concept of extraordinary items from consideration. This ASU is effective for annual periods and interim periods within those annual periods beginning after December 15, 2015 with early adoption permitted. The adoption of ASU 2015-1 is not expected to have a material impact on the Company’s consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis, which is intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). The ASU focuses on simplifying the consolidation evaluation for reporting organizations that are required to evaluate whether they should consolidate certain legal entities by reducing the number of consolidation model from four to two, among other changes. The ASU will be effective for periods beginning after December 31, 2015, while early adoption is permitted. The Company does not expect this ASU to have a material impact on the Company's consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs. The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected. ASU No 2015-03 is effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. ASU No. 2015-03 should be applied on a retrospective basis. The Company is currently evaluating the impacts of this ASU on the Company's consolidated financial statements. In April 2015, FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement. The amendments in this ASU provide guidance to customers in cloud computing arrangements about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments are effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. Early adoption is permitted. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In June 2015, FASB issued ASU No. 2015-10, Technical Corrections and Improvements. On November 10, 2010 FASB added a standing project that will facilitate the FASB Accounting Standards Codification (‘Codification”) updates for technical corrections, clarifications, and improvements. These amendments are referred to as Technical Corrections and Improvements. Maintenance updates include non-substantive corrections to the Codification, such as editorial corrections, various link-related changes, and changes to source fragment information. This update contains amendments that will affect a wide variety of Topics in the Codification. The amendments in this ASU will apply to all reporting entities within the scope of the affected accounting guidance and generally fall into one of four categories: amendments related to differences between original guidance and the Codification, guidance clarification and reference corrections, simplification, and minor improvements. In summary, the amendments in this ASU represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice. Transition guidance varies based on the amendments in this ASU. The amendments in this ASU that require transition guidance are effective for fiscal years and interim reporting periods after December 15, 2015. Early adoption is permitted including adoption in an interim period. All other amendments are effective upon the issuance of this ASU. ASU 2015-10 did not have a material impact on the Company's consolidated financial statements. In July 2015, the FASB issued ASU 2015-12, "Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965): (Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (consensuses of the FASB Emerging Issues Task Force)." The amendments of this ASU (i) require fully benefit-responsive investment contracts to be measured, presented and disclosed only at contract value, not fair value; (ii) simplify the investment disclosure requirements; and (iii) provide a measurement date practical expedient for employee benefit plans. This ASU is effective for fiscal years beginning after December 15, 2015, earlier adoption application is permitted. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-14, Revenue from Contracts with Customers, deferring the effective date of the new revenue standard by one year. The standard also allows entities to choose to adopt the standard as of the original effective date. The FASB decided, based on its outreach to various stakeholders and the forthcoming amendments to the new revenue standard, that a deferral is necessary to provide adequate time to effectively implement the new revenue standard. In August 2015, the FASB issued ASU No. 2015-15, Interest—Imputation of Interest (Subtopic 835-30), Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. The ASU provides guidance not previously included in ASU 2015-03 regarding debt issuance related to line-of-credit arrangements. The amendment allows an entity to present debt issuance costs as an asset and subsequently amortize the deferred debt issuance costs over the term of the line-of-credit arrangement, regardless if there are any outstanding borrowings on the line-of-credit arrangement. The amendment is effective for fiscal years beginning after December 15, 2015. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805). The ASU simplifies the accounting for measurement period adjustments. The amendments require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period when the adjustment amounts are determined. The acquirer is required to record in the same period's financial statements the effect on earnings from changes in depreciation, amortization, or other income effects resulting from the change to provisional amounts, calculated as if the accounting had been completed at the acquisition date. The acquirer must present separately on the income statement, or disclose in the notes, the amount recorded in current-period earnings that would have been recorded in previous reporting periods if the provisional amount had been recognized at the acquisition date. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. This ASU is not expected to have a material effect on the Company's consolidated financial statements.

Investments (Tables)

Investments (Tables)	9 Months Ended
	Sep. 30, 2015
Investments [Abstract]
Amortized Cost and Fair Value of AFS Securities and Corresponding Amounts of Gross Unrealized Gains And Losses	The amortized cost and fair value of our available-for-sale (“AFS”) securities and the corresponding amounts of gross unrealized gains and losses at the dates indicated were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value September 30, 2015 Municipal bonds $ 1,912 $ 152 $ - $ 2,064 Agency mortgage-backed securities 4,510 111 (13 ) 4,608 Non-agency mortgage-backed securities 492 - (24 ) 468 Total $ 6,914 $ 263 $ (37 ) $ 7,140 December 31, 2014 Municipal bonds $ 1,911 $ 172 $ - $ 2,083 Agency mortgage-backed securities 7,024 110 (38 ) 7,096 Non-agency mortgage-backed securities 2,312 83 (50 ) 2,345 Total $ 11,247 $ 365 $ (88 ) $ 11,524
Amortized Cost and Fair Value of Investments Available-for-Sale by Contractual Maturity	The amortized cost and fair value of AFS securities at September 30, 2015, by contractual maturity, are shown below (in thousands). Expected maturities of AFS securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. At September 30, 2015 Amortized Cost Fair Value Due after five years to ten years 260 276 Due after ten years 6,654 6,864 Total $ 6,914 $ 7,140
Aggregate Fair Value and Gross Unrealized Loss in Continuous Unrealized Loss Position	The following tables summarize at the dates indicated the aggregate fair value and gross unrealized loss by length of time of those investments that have been continuously in an unrealized loss position (in thousands): September 30, 2015 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ - $ - $ 1,419 $ (13 ) $ 1,419 $ (13 ) Non-agency mortgage-backed securities - - 468 (24 ) 468 (24 ) Total $ - $ - $ 1,887 $ (37 ) $ 1,887 $ (37 ) December 31, 2014 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ 627 $ (6 ) $ 2,216 $ (32 ) $ 2,843 $ (38 ) Non-agency mortgage-backed securities - - 507 (50 ) 507 (50 ) Total $ 627 $ (6 ) $ 2,723 $ (82 ) $ 3,350 $ (88 )
Cumulative Roll Forward of Credit Losses Recognized in Earnings	The following table presents the cumulative roll forward of credit losses recognized in earnings during the three and nine months ended September 30, 2015 and 2014 relating to the Company’s non-U.S. agency mortgage-backed securities (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Estimated credit losses, beginning balance $ - $ 450 $ 450 $ 450 Additions for credit losses not previously recognized - - - - Reduction for increases in cash flows - - - - Reduction of related OTTI due to sales - - (450 ) - Reduction for realized losses - - - - Estimated credit losses, ending balance $ - $ 450 $ - $ 450

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2015
Loans [Abstract]
Composition of Loan Portfolio, Including Loans Held for Sale	The composition of the loan portfolio at the dates indicated, excluding loans held for sale, was as follows (in thousands): At September 30, 2015 At December 31, 2014 Real estate loans: One- to four- family $ 137,131 $ 133,031 Home equity 31,821 34,675 Commercial and multifamily 164,179 168,952 Construction and land 49,034 46,279 Total real estate loans $ 382,165 382,937 Consumer loans: Manufactured homes 13,632 12,539 Other consumer 20,987 16,875 Total consumer loans 34,619 29,414 Commercial business loans 20,674 19,525 Total loans 437,458 431,876 Deferred fees (1,629 ) (1,516 ) Total loans, gross 435,829 430,360 Allowance for loan losses (4,682 ) (4,387 ) Total loans, net $ 431,147 $ 425,973
Allowance for Loan Losses and Recorded Investment	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2015 (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 661 $ 89 $ 183 $ 18 $ 60 $ - $ 11 $ - $ 1,022 Collectively evaluated for impairment 1,107 430 1,158 99 132 169 123 442 3,660 Ending balance $ 1,768 $ 519 $ 1,341 $ 117 $ 192 $ 169 $ 134 $ 442 $ 4,682 Loans receivable: Individually evaluated for impairment $ 5,984 $ 913 $ 1,976 $ 134 $ 362 $ 81 $ 157 $ - $ 9,607 Collectively evaluated for impairment 131,147 30,908 162,203 48,900 13,270 20,906 20,517 - 427,851 Ending balance $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ - $ 437,458 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2014 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 258 $ 28 $ 8 $ 14 $ 41 $ 18 $ - $ - $ 367 Collectively evaluated for impairment 1,184 573 1,236 385 152 149 108 233 4,020 Ending balance $ 1,442 $ 601 $ 1,244 $ 399 $ 193 $ 167 $ 108 $ 233 $ 4,387 Loans receivable: Individually evaluated for impairment $ 4,186 $ 1,247 $ 2,956 $ 180 $ 404 $ 51 $ 124 $ - $ 9,148 Collectively evaluated for impairment 128,845 33,428 165,996 46,099 12,135 16,824 19,401 - 422,728 Ending balance $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ - $ 431,876
Activity in Loan Losses	The following table summarizes the activity in loan losses for the three months ended September 30, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,594 $ - $ - $ 174 $ 1,768 Home equity 509 - 25 (15 ) 519 Commercial and multifamily 1,507 - - (166 ) 1,341 Construction and land 345 - 1 (229 ) 117 Manufactured homes 193 - - (1 ) 192 Other consumer 183 (18 ) 2 2 169 Commercial business 145 - - (11 ) 134 Unallocated 96 - - 346 442 Total $ 4,572 $ (18 ) $ 28 $ 100 $ 4,682 The following table summarizes the activity in loan losses for the nine months ended September 30, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,442 $ (21 ) $ - $ 347 $ 1,768 Home equity 601 (19 ) 35 (98 ) 519 Commercial and multifamily 1,244 - - 97 1,341 Construction and land 399 (40 ) 1 (242 ) 117 Manufactured homes 193 (32 ) 5 24 192 Other consumer 167 (45 ) 11 37 169 Commercial business 108 - - 26 134 Unallocated 233 - - 209 442 Total $ 4,387 $ (157 ) $ 52 $ 400 $ 4,682 The following table summarizes the activity in loan losses for the three months ended September 30, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 872 $ (51 ) $ 64 $ 26 $ 911 Home equity 446 (187 ) 15 93 367 Commercial and multifamily 1,790 - 1 27 1,818 Construction and land 260 - - (21 ) 239 Manufactured homes 137 (12 ) 4 (15 ) 114 Other consumer 87 (5 ) 10 9 101 Commercial business 137 - - 101 238 Unallocated 462 - - (20 ) 442 Total $ 4,191 $ (255 ) $ 94 $ 200 $ 4,230 The following table summarizes the activity in loan losses for the nine months ended September 30, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to four- family $ 1,915 $ (116 ) $ 65 $ (953 ) $ 911 Home equity 781 (295 ) 48 (167 ) 367 Commercial and multifamily 300 (46 ) 2 1,562 1,818 Construction and land 318 - - (79 ) 239 Manufactured homes 209 (189 ) 9 85 114 Other consumer 109 (42 ) 17 17 101 Commercial business 102 - - 136 238 Unallocated 443 - - (1 ) 442 Total $ 4,177 $ (688 ) $ 141 $ 600 $ 4,230
Credit Quality Indicators	The following table represents the internally assigned grades as of September 30, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 132,552 $ 30,389 $ 158,763 $ 48,928 $ 13,389 $ 20,846 $ 19,597 $ 424,464 Watch 1,477 771 3,979 65 168 60 1,037 7,557 Special Mention 1,410 - - - 33 - 40 1,483 Substandard 1,692 661 1,437 41 42 81 - 3,954 Doubtful - - - - - - - - Loss - - - - - - - - Total $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ 437,458 The following table represents the internally assigned grades as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 120,152 $ 30,785 $ 163,573 $ 45,427 $ 11,427 $ 16,587 $ 18,919 $ 406,870 Watch 11,793 3,322 3,740 852 1,038 240 606 21,591 Special Mention - - - - 24 - - 24 Substandard 1,086 568 1,639 - 50 48 - 3,391 Doubtful - - - - - - - - Loss - - - - - - - - Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876
Nonaccrual Loans	The following table presents the recorded investment in nonaccrual loans as of September 30, 2015 and December 31, 2014, by type of loan (in thousands): September 30, 2015 December 31, 2014 One- to four- family $ 1,149 $ 1,092 Home equity 349 258 Construction and land 41 81 Manufactured homes 18 6 Other consumer 75 27 Total $ 1,632 $ 1,464
Aging of Recorded Investment in Past Due Loans	The following table represents the aging of the recorded investment in past due loans as of September 30, 2015 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due 90 Days and Greater Past Due 90 Days and Greater Past Due and Still Accruing Total Past Due Current Total Loans One-to four- family $ - $ 340 $ 1,149 $ 338 $ 1,827 $ 135,304 $ 137,131 Home equity 938 7 299 - 1,244 30,577 31,821 Commercial and multifamily 63 - - - 63 164,116 164,179 Construction and land - - 41 - 41 48,993 49,034 Manufactured homes 77 32 5 - 114 13,518 13,632 Other consumer 34 4 75 - 113 20,874 20,987 Commercial business 9 - - - 9 20,665 20,674 Total $ 1,121 $ 383 $ 1,569 $ 338 $ 3,411 $ 434,047 $ 437,458 The following table represents the aging of the recorded investment in past due loans as of December 31, 2014 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due 90 Days and Greater Past Due 90 Days and Greater Past Due and Still Accruing Total Past Due Current Total Loans One-to four- family $ 1,300 $ 167 $ 720 $ - $ 2,187 $ 130,844 $ 133,031 Home equity 585 109 203 - 897 33,778 34,675 Commercial and multifamily - - - - - 168,952 168,952 Construction and land - - 81 - 81 46,198 46,279 Manufactured homes 197 42 27 114 380 12,159 12,539 Other consumer 23 7 - - 30 16,845 16,875 Commercial business 430 - - - 430 19,095 19,525 Total $ 2,535 $ 325 $ 1,031 $ 114 $ 4,005 $ 427,871 $ 431,876
Credit Risk Profile of Loan Portfolio Based on Payment Activity by Type of Loan	The following table represents the credit risk profile of our loan portfolio based on payment activity as of September 30, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 135,644 $ 31,386 $ 164,179 $ 48,993 $ 13,578 $ 20,912 $ 20,674 $ 435,366 Nonperforming 1,487 435 - 41 54 75 - 2,092 Total $ 137,131 $ 31,821 $ 164,179 $ 49,034 $ 13,632 $ 20,987 $ 20,674 $ 437,458 The following table represents the credit risk profile of our loan portfolio based on payment activity as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 131,519 $ 34,289 $ 167,313 $ 46,198 $ 12,344 $ 16,846 $ 19,525 $ 428,034 Nonperforming 1,512 386 1,639 81 195 29 - 3,842 Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876
Schedule of Impaired Loans, Individually Evaluated	The following table presents loans individually evaluated for impairment as of September 30, 2015 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: One-to four- family $ 1,134 $ 1,487 $ - Home equity 156 159 - Commercial and multifamily - - - Construction and land 41 81 - Manufactured homes 29 41 - Other consumer 75 90 - Commercial business - - - Total 1,435 1,858 - With an allowance recorded: One-to four- family 4,850 4,525 661 Home equity 757 851 89 Commercial and multifamily 1,976 1,976 183 Construction and land 93 93 18 Manufactured homes 333 333 60 Other consumer 6 6 - Commercial business 157 157 11 Total 8,172 7,941 1,022 Totals: One-to-four family 5,984 6,012 661 Home equity 913 1,010 89 Commercial and multifamily 1,976 1,976 183 Construction and land 134 174 18 Manufactured homes 362 374 60 Other consumer 81 96 - Commercial business 157 157 11 Total $ 9,607 $ 9,799 $ 1,022 The following table presents loans individually evaluated for impairment as of December 31, 2014 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: One-to four- family $ 2,096 $ 2,340 $ - Home equity 494 555 - Commercial and multifamily 1,492 1,542 - Construction and land 100 100 - Manufactured homes 87 94 - Other consumer 21 21 - Commercial business 124 124 - Total 4,414 4,776 - With an allowance recorded: One-to four- family 2,090 2,090 258 Home equity 753 847 28 Commercial and multifamily 1,464 1,464 8 Construction and land 80 80 14 Manufactured homes 317 317 41 Other consumer 30 30 18 Commercial business - - - Total 4,734 4,828 367 Totals: One-to four- family 4,186 4,430 258 Home equity 1,247 1,402 28 Commercial and multifamily 2,956 3,006 8 Construction and land 180 180 14 Manufactured homes 404 411 41 Other consumer 51 51 18 Commercial business 124 124 - Total $ 9,148 $ 9,604 $ 367 The following table presents the average recorded investment and interest income recognized on impaired loans by type of loan for the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended Nine Months Ended September 30, 2015 September 30, 2014 September 30, 2015 September 30, 2014 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: One-to four- family $ 1,688 $ 19 $ 2,276 $ 22 $ 1,797 $ 45 $ 1,444 $ 70 Home equity 251 2 756 8 387 5 510 24 Commercial and multifamily 125 - 2,245 19 756 - 2,005 55 Construction and land 41 1 122 1 50 - 71 7 Manufactured homes 29 1 93 2 60 2 92 5 Other consumer 41 2 19 2 29 1 14 3 Commercial business - - 127 2 82 - 153 5 Total 2,174 25 5,638 56 3,159 53 4,289 169 With an allowance recorded: One-to four- family 4,072 51 2,283 24 3,160 153 3,184 74 Home equity 755 8 789 8 728 23 1,078 24 Commercial and multifamily 2,263 30 737 21 1,860 78 1,168 59 Construction and land 94 1 82 1 107 4 134 3 Manufactured homes 337 6 395 7 325 18 474 20 Other consumer 52 - 6 - 34 1 12 - Commercial business 138 2 - - 69 5 69 - Total 7,710 98 4,292 61 6,284 282 6,119 180 Totals: One-to four- family 5,760 70 4,559 46 4,957 198 4,628 144 Home equity 1,006 10 1,545 16 1,115 28 1,588 48 Commercial and multifamily 2,388 30 2,982 40 2,616 78 3,173 114 Construction and land 135 2 204 2 157 4 205 10 Manufactured homes 366 7 488 9 385 20 566 25 Other consumer 93 2 25 2 63 2 26 3 Commercial business 138 2 127 2 151 5 222 5 Total $ 9,884 $ 123 $ 9,930 $ 117 $ 9,443 $ 335 $ 10,408 $ 349
Troubled Restructured Debt Modifications	The following table presents new TDRs by type of modification that occurred during the three months ended September 30, 2014 (in thousands): Three months ended September 30, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications Home equity 1 $ - $ - $ - $ 57 $ 57 Commercial and multifamily 1 - - - 1,473 1,473 Total 2 $ - $ - $ - $ 1,530 $ 1,530 The following table presents new TDRs by type of modification that occurred during the nine months ended September 30, 2014 (in thousands): Nine months ended September 30, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications One-to four- family 1 - - - 176 176 Home equity 1 - - - 57 176 Commercial and multifamily 1 - - 1,473 1,473 Total 3 $ - $ - $ - $ 1,706 $ 1,706
Troubled Debt Restructurings in Default	The following table represents loans modified as TDRs within the previous 12 months for which there was a payment default during the three and nine months ended September 30, 2015 and 2014, respectively (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 One- to four-family $ - $ 176 $ - $ 176 Commercial and multifamily - - - - Total $ - $ 176 $ - $ 176

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Measurements [Abstract]
Information about Level in Fair Value Hierarchy for Financial Assets and Liabilities	The following tables present information about the level in the fair value hierarchy for the Company’s financial assets and liabilities, whether or not recognized or recorded at fair value as of September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 36,669 $ 36,669 $ 36,669 $ - $ - Available for sale securities 7,140 7,140 - 7,140 - Loans held for sale 772 797 - 797 - Loans 435,829 430,652 - - 430,652 Accrued interest receivable 1,453 1,453 1,453 - - Bank-owned life insurance, net 11,661 11,661 - 11,661 - Mortgage servicing rights 3,226 3,226 - - 3,226 FHLB stock 1,558 1,558 - - 1,558 FINANCIAL LIABILITIES: Non-maturity deposits 259,994 259,994 - 259,994 - Time deposits 159,581 158,624 - 158,624 - Borrowings 24,096 24,071 - 24,071 - Accrued interest payable 61 61 - 61 - December 31, 2014 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 29,289 $ 29,289 $ 29,289 $ - $ - Available for sale securities 11,524 11,524 - 9,179 2,345 Loans held for sale 810 828 - 828 - Loans 430,360 423,714 - - 423,714 Accrued interest receivable 1,497 1,497 1,497 - - Bank-owned life insurance, net 11,661 11,661 - 11,661 - Mortgage servicing rights 3,028 3,028 - - 3,028 FHLB Stock 2,224 2,224 - - 2,224 FINANCIAL LIABILITIES: Non-maturity deposits 235,870 235,870 - 235,870 - Time deposits 171,939 172,334 - 172,334 - Borrowings 30,578 30,534 - 30,534 - Accrued interest payable 76 76 - 76 -
Fair Value of Assets Measured on Recurring Basis	The following table presents the balance of assets measured at fair value on a recurring basis as of September 30, 2015 and December 31, 2014 (in thousands): Fair Value at September 30, 2015 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,064 $ - $ 2,064 $ - Agency mortgage-backed securities 4,608 - 4,608 - Non-agency mortgage-backed securities 468 - - 468 Mortgage servicing rights 3,226 - - 3,226 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,083 $ - $ 2,083 $ - Agency mortgage-backed securities 7,096 - 7,096 - Non-agency mortgage-backed securities 2,345 - - 2,345 Mortgage servicing rights 3,028 - - 3,028
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Reconciliation of Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs (Level 3)	The following table provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Beginning balance, at fair value $ 483 $ 2,583 $ 2,345 $ 2,419 OTTI impairment losses - - - - Principal payments (14 ) (93 ) (149 ) (314 ) Sales - (1,702 ) Change in unrealized loss (1 ) 15 (26 ) 400 Ending balance, at fair value $ 468 $ 2,505 $ 468 $ 2,505 The following tables present the balance of assets measured at fair value on a nonrecurring basis at the dates indicated (in thousands): Fair Value at September 30, 2015 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 177 $ - $ - $ 177 Impaired loans $ 9,607 - - $ 9,607 Fair Value at December 31, 2014 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 323 $ - $ - $ 323 Impaired loans 9,148 - - 9,148
Fair Value of Assets Measured on Nonrecurring Basis	The following tables present the balance of assets measured at fair value on a nonrecurring basis at the dates indicated (in thousands): Fair Value at September 30, 2015 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 177 $ - $ - $ 177 Impaired loans $ 9,607 - - $ 9,607 Fair Value at December 31, 2014 Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 323 $ - $ - $ 323 Impaired loans 9,148 - - 9,148
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Assets, Quantitative Information	The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at September 30, 2015: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 105-380% (192%) Discount rate 8-12% (10%) Non-agency mortgage-backed securities Discounted cash flow Discount rate (8%)
Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Assets, Quantitative Information	The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at September 30, 2015: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjustment for differences between comparable sales 5-48% (21%) Impaired loans Market approach Adjustment for differences between comparable sales 0-30% (7%)

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2015
Mortgage Servicing Rights [Abstract]
Mortgage Service Rights	A summary of the change in the balance of mortgage servicing rights during the three and nine months ended September 30, 2015 and 2014 were as follows (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Beginning balance, at fair value $ 3,028 $ 2,993 $ 3,028 $ 2,984 Servicing rights that result from transfers of financial assets 146 157 582 341 Changes in fair value: Due to changes in model inputs or assumptions (1) (22 ) 152 152 437 Other (2) 74 (187 ) (536 ) (647 ) Ending balance, at fair value $ 3,226 $ 3,115 $ 3,226 $ 3,115 (1) (2)
Mortgage Service Rights Assumptions	The key economic assumptions used in determining the fair value of mortgage servicing rights at the dates indicated are as follows: At September 30, 2015 2014 Prepayment speed (Public Securities Association “PSA” model) 192 % 196 % Weighted-average life (years) 6.43 6.41 Yield to maturity discount rate 10.0 % 10.0 %

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Common Share [Abstract]
Earnings per Common Share	Earnings per common share are summarized for the periods presented in the following table (dollars in thousands, except per share data): Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Net income $ 1,115 $ 1,235 $ 3,570 $ 3,438 Less net income attributable to participating securities (1) 38 22 118 60 Net income available to common shareholders $ 1,077 $ 1,213 $ 3,452 $ 3,378 Weighted average number of shares outstanding, basic 2,465 2,516 2,500 2,511 Effect of potentially dilutive common shares (2) 87 93 86 94 Weighted average number of shares outstanding, diluted 2,552 2,609 2,586 2,605 Earnings per share, basic $ 0.45 $ 0.49 $ 1.43 $ 1.37 Earnings per share, diluted $ 0.44 $ 0.47 $ 1.38 $ 1.32 (1) (2)

Stock-based Compensation (Table

Stock-based Compensation (Tables)	9 Months Ended
	Sep. 30, 2015
Stock-based Compensation [Abstract]
Stock Option Plan Awards	The following is a summary of the Company's stock option plan awards during the nine months ended September 30, 2015: Shares Weighted- Average Exercise Price Weighted-Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 152,018 $ 13.30 7.21 $ 858,902 Granted 40,782 $ 18.36 Exercised (4,611 ) $ 9.10 Forfeited (1,205 ) $ 16.80 Expired - Outstanding at September 30, 2015 188,189 $ 14.45 $ 1,067,032 Exercisable 87,166 $ 12.07 $ 701,686 Expected to vest, assuming a 0% forfeiture rate over the vesting term 188,189 $ 14.45 $ 1,067,032
Valuation Assumptions Used in Estimating Fair Value of Option Awards	The fair value of each option award granted is estimated on the date of grant using a Black-Scholes model. The assumptions used for the nine months ended September 30, 2015 are presented in the table below: Annual dividend yield 1.2 % Expected volatility 24.8 % Risk-free interest rate 1.35 % Expected term 7.25 years Weighted-average grant date fair value per option granted $ 3.83
Summary of Outstanding Restricted Stock Awards	The following is a summary of the Company’s outstanding restricted stock awards during the nine months ended September 30, 2015: Non-vested Shares Shares Weighted-Average Grant-Date Fair Value Per Share Non-vested at January 1, 2015 33,243 $ 2.49 Granted 10,208 3.83 Vested (11,416 ) 1.94 Forfeited (482 ) 1.31 Expired - - Non-vested at September 30, 2015 31,553 $ 1.87 Expected to vest assuming a 0% forfeiture rate over the vesting term 31,553 $ 1.87

Investments (Details)

Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 6,914	$ 11,247
Gross Unrealized Gains	263	365
Gross Unrealized Losses	(37)	(88)
Estimated Fair Value	7,140	11,524
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,912	1,911
Gross Unrealized Gains	152	172
Gross Unrealized Losses	0	0
Estimated Fair Value	2,064	2,083
Agency Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,510	7,024
Gross Unrealized Gains	111	110
Gross Unrealized Losses	(13)	(38)
Estimated Fair Value	4,608	7,096
Non-agency Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	492	2,312
Gross Unrealized Gains	0	83
Gross Unrealized Losses	(24)	(50)
Estimated Fair Value	$ 468	$ 2,345

Investments, Mortgage-backed Se

Investments, Mortgage-backed Securities by Contractual Maturity (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Available-for-sale Securities by Contractual Maturity, Amortized Cost [Abstract]
Due after five years to ten years	$ 260,000		$ 260,000
Due after ten years	6,654,000		6,654,000
Total	6,914,000		6,914,000
Available-for-sale Securities by Contractual Maturity, Fair Value [Abstract]
Due after five years to ten years	276,000		276,000
Due after ten years	6,864,000		6,864,000
Total	7,140,000		7,140,000
Pledged securities	0		0
Schedule of Available-for-sale Securities [Line Items]
Sales of available for sale securities	$ 0	$ 0		$ 0
Non-agency Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Sales of available for sale securities			1,700,000
Gross losses on sale of securities			31,000
Gross gains on sale of securities			$ 0

Investments, Securities in Cont

Investments, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	$ 0	$ 627
12 Months or Longer	1,887	2,723
Total	1,887	3,350
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	(6)
12 Months or Longer	(37)	(82)
Total	(37)	(88)
Agency Mortgage-backed Securities [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	0	627
12 Months or Longer	1,419	2,216
Total	1,419	2,843
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	(6)
12 Months or Longer	(13)	(32)
Total	(13)	(38)
Non-agency Mortgage-backed Securities [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	0	0
12 Months or Longer	468	507
Total	468	507
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	0
12 Months or Longer	(24)	(50)
Total	$ (24)	$ (50)

Investments, Other Than Tempora

Investments, Other Than Temporary Impairment (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Security	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)Security	Sep. 30, 2014USD ($)	Dec. 31, 2014Security
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Estimated credit losses, beginning balance	$ 0	$ 450	$ 450	$ 450
Additions for credit losses not previously recognized	0	0	0	0
Reduction for increases in cash flows	0	0	0	0
Reduction of related OTTI due to sales	0	0	(450)	0
Reduction for realized losses	0	0	0	0
Estimated credit losses, ending balance	$ 0	$ 450	$ 0	$ 450
Agency Mortgage-backed Securities [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities | Security	13		13		15
Number of securities in unrealized loss position | Security					3
Non-agency Mortgage-backed Securities [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities | Security	1		1		5
Number of securities in unrealized loss position | Security	1		1		1
Municipal Bonds [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities | Security	5		5		5

Loans (Details)

Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Composition of Loan Portfolio [Abstract]
Total loans	$ 437,458	$ 431,876
Deferred fees	(1,629)	(1,516)
Total loans, gross	435,829	430,360
Allowance for loan losses	(4,682)	(4,387)
Total Loans, net	431,147	425,973
One-to Four- Family [Member]
Composition of Loan Portfolio [Abstract]
Total loans	137,131	133,031
Allowance for loan losses	(1,768)	(1,442)
Home Equity [Member]
Composition of Loan Portfolio [Abstract]
Total loans	31,821	34,675
Allowance for loan losses	(519)	(601)
Commercial and Multifamily [Member]
Composition of Loan Portfolio [Abstract]
Total loans	164,179	168,952
Allowance for loan losses	(1,341)	(1,244)
Construction and Land [Member]
Composition of Loan Portfolio [Abstract]
Total loans	49,034	46,279
Allowance for loan losses	(117)	(399)
Manufactured Homes [Member]
Composition of Loan Portfolio [Abstract]
Total loans	13,632	12,539
Allowance for loan losses	(192)	(193)
Other Consumer [Member]
Composition of Loan Portfolio [Abstract]
Total loans	20,987	16,875
Allowance for loan losses	(169)	(167)
Real Estate Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	382,165	382,937
Real Estate Loans [Member] | One-to Four- Family [Member]
Composition of Loan Portfolio [Abstract]
Total loans	137,131	133,031
Real Estate Loans [Member] | Home Equity [Member]
Composition of Loan Portfolio [Abstract]
Total loans	31,821	34,675
Real Estate Loans [Member] | Commercial and Multifamily [Member]
Composition of Loan Portfolio [Abstract]
Total loans	164,179	168,952
Real Estate Loans [Member] | Construction and Land [Member]
Composition of Loan Portfolio [Abstract]
Total loans	49,034	46,279
Consumer Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	34,619	29,414
Consumer Loans [Member] | Manufactured Homes [Member]
Composition of Loan Portfolio [Abstract]
Total loans	13,632	12,539
Consumer Loans [Member] | Other Consumer [Member]
Composition of Loan Portfolio [Abstract]
Total loans	20,987	16,875
Commercial Business Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	20,674	19,525
Allowance for loan losses	$ (134)	$ (108)

Loans, Allowance for loan losse

Loans, Allowance for loan losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Allowance for loan losses [Abstract]
Individually evaluated for impairment	$ 1,022		$ 1,022		$ 367
Collectively evaluated for impairment	3,660		3,660		4,020
Ending balance	4,682		4,682		4,387
Loans receivable [Abstract]
Individually evaluated for impairment	9,607		9,607		9,148
Collectively evaluated for impairment	427,851		427,851		422,728
Total loans	437,458		437,458		431,876
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	4,572	$ 4,191	4,387	$ 4,177
Charge-offs	(18)	(255)	(157)	(688)
Recoveries	28	94	52	141
Provision	100	200	400	600
Ending Allowance	4,682	4,230	4,682	4,230
One-to Four- Family [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	661		661		258
Collectively evaluated for impairment	1,107		1,107		1,184
Ending balance	1,768		1,768		1,442
Loans receivable [Abstract]
Individually evaluated for impairment	5,984		5,984		4,186
Collectively evaluated for impairment	131,147		131,147		128,845
Total loans	137,131		137,131		133,031
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	1,594	872	1,442	1,915
Charge-offs	0	(51)	(21)	(116)
Recoveries	0	64	0	65
Provision	174	26	347	(953)
Ending Allowance	1,768	911	1,768	911
Home Equity [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	89		89		28
Collectively evaluated for impairment	430		430		573
Ending balance	519		519		601
Loans receivable [Abstract]
Individually evaluated for impairment	913		913		1,247
Collectively evaluated for impairment	30,908		30,908		33,428
Total loans	31,821		31,821		34,675
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	509	446	601	781
Charge-offs	0	(187)	(19)	(295)
Recoveries	25	15	35	48
Provision	(15)	93	(98)	(167)
Ending Allowance	519	367	519	367
Commercial and Multifamily [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	183		183		8
Collectively evaluated for impairment	1,158		1,158		1,236
Ending balance	1,341		1,341		1,244
Loans receivable [Abstract]
Individually evaluated for impairment	1,976		1,976		2,956
Collectively evaluated for impairment	162,203		162,203		165,996
Total loans	164,179		164,179		168,952
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	1,507	1,790	1,244	300
Charge-offs	0	0	0	(46)
Recoveries	0	1	0	2
Provision	(166)	27	97	1,562
Ending Allowance	1,341	1,818	1,341	1,818
Construction and Land [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	18		18		14
Collectively evaluated for impairment	99		99		385
Ending balance	117		117		399
Loans receivable [Abstract]
Individually evaluated for impairment	134		134		180
Collectively evaluated for impairment	48,900		48,900		46,099
Total loans	49,034		49,034		46,279
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	345	260	399	318
Charge-offs	0	0	(40)	0
Recoveries	1	0	1	0
Provision	(229)	(21)	(242)	(79)
Ending Allowance	117	239	117	239
Manufactured Homes [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	60		60		41
Collectively evaluated for impairment	132		132		152
Ending balance	192		192		193
Loans receivable [Abstract]
Individually evaluated for impairment	362		362		404
Collectively evaluated for impairment	13,270		13,270		12,135
Total loans	13,632		13,632		12,539
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	193	137	193	209
Charge-offs	0	(12)	(32)	(189)
Recoveries	0	4	5	9
Provision	(1)	(15)	24	85
Ending Allowance	192	114	192	114
Other Consumer [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0		0		18
Collectively evaluated for impairment	169		169		149
Ending balance	169		169		167
Loans receivable [Abstract]
Individually evaluated for impairment	81		81		51
Collectively evaluated for impairment	20,906		20,906		16,824
Total loans	20,987		20,987		16,875
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	183	87	167	109
Charge-offs	(18)	(5)	(45)	(42)
Recoveries	2	10	11	17
Provision	2	9	37	17
Ending Allowance	169	101	169	101
Commercial Business [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	11		11		0
Collectively evaluated for impairment	123		123		108
Ending balance	134		134		108
Loans receivable [Abstract]
Individually evaluated for impairment	157		157		124
Collectively evaluated for impairment	20,517		20,517		19,401
Total loans	20,674		20,674		19,525
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	145	137	108	102
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(11)	101	26	136
Ending Allowance	134	238	134	238
Unallocated [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	442		442		233
Ending balance	442		442		233
Loans receivable [Abstract]
Individually evaluated for impairment	0		0		0
Collectively evaluated for impairment	0		0		0
Total loans	0		0		$ 0
Summary of activity in loan losses [Roll Forward]
Beginning Allowance	96	462	233	443
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	346	(20)	209	(1)
Ending Allowance	$ 442	$ 442	$ 442	$ 442

Loans, Credit Quality (Details)

Loans, Credit Quality (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 437,458	$ 431,876
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	424,464	406,870
Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,557	21,591
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,483	24
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,954	3,391
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
One-to Four- Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	137,131	133,031
One-to Four- Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	132,552	120,152
One-to Four- Family [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,477	11,793
One-to Four- Family [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,410	0
One-to Four- Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,692	1,086
One-to Four- Family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
One-to Four- Family [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	31,821	34,675
Home Equity [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	30,389	30,785
Home Equity [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	771	3,322
Home Equity [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	661	568
Home Equity [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Multifamily [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	164,179	168,952
Commercial and Multifamily [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	158,763	163,573
Commercial and Multifamily [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,979	3,740
Commercial and Multifamily [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Multifamily [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,437	1,639
Commercial and Multifamily [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Multifamily [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	49,034	46,279
Construction and Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	48,928	45,427
Construction and Land [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	65	852
Construction and Land [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	41	0
Construction and Land [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Manufactured Homes [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	13,632	12,539
Manufactured Homes [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	13,389	11,427
Manufactured Homes [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	168	1,038
Manufactured Homes [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	33	24
Manufactured Homes [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	42	50
Manufactured Homes [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Manufactured Homes [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,987	16,875
Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,846	16,587
Other Consumer [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	60	240
Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	81	48
Other Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,674	19,525
Commercial Business [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	19,597	18,919
Commercial Business [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,037	606
Commercial Business [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	40	0
Commercial Business [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 0	$ 0

Loans, Nonaccrual and Past Due

Loans, Nonaccrual and Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 1,632	$ 1,464
Past Due	3,411	4,005
90 Days and Greater Past Due and Still Accruing	338	114
Current	434,047	427,871
Total loans	437,458	431,876
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,121	2,535
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	383	325
90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,569	1,031
One-to Four- Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	1,149	1,092
Past Due	1,827	2,187
90 Days and Greater Past Due and Still Accruing	338	0
Current	135,304	130,844
Total loans	137,131	133,031
One-to Four- Family [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	1,300
One-to Four- Family [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	340	167
One-to Four- Family [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,149	720
Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	349	258
Past Due	1,244	897
90 Days and Greater Past Due and Still Accruing	0	0
Current	30,577	33,778
Total loans	31,821	34,675
Home Equity [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	938	585
Home Equity [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	7	109
Home Equity [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	299	203
Commercial and Multifamily [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	63	0
90 Days and Greater Past Due and Still Accruing	0	0
Current	164,116	168,952
Total loans	164,179	168,952
Commercial and Multifamily [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	63	0
Commercial and Multifamily [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial and Multifamily [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	41	81
Past Due	41	81
90 Days and Greater Past Due and Still Accruing	0	0
Current	48,993	46,198
Total loans	49,034	46,279
Construction and Land [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and Land [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and Land [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	41	81
Manufactured Homes [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	18	6
Past Due	114	380
90 Days and Greater Past Due and Still Accruing	0	114
Current	13,518	12,159
Total loans	13,632	12,539
Manufactured Homes [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	77	197
Manufactured Homes [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	32	42
Manufactured Homes [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	5	27
Other Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	75	27
Past Due	113	30
90 Days and Greater Past Due and Still Accruing	0	0
Current	20,874	16,845
Total loans	20,987	16,875
Other Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	34	23
Other Consumer [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	4	7
Other Consumer [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	75	0
Commercial Business [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	9	430
90 Days and Greater Past Due and Still Accruing	0	0
Current	20,665	19,095
Total loans	20,674	19,525
Commercial Business [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	9	430
Commercial Business [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial Business [Member] | 90 Days and Greater Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 0	$ 0

Loans, Credit Risk Profile Base

Loans, Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Number of days past due for loans still accruing interest to be considered nonperforming	90 days
Minimum period of no sufficient payment history for TDRs to be considered nonperforming	6 months
Number of days past due for TDRs loans to be considered nonperforming	31 days
Credit Risk Profile by Type of Loan [Abstract]
Total loans	$ 437,458	$ 431,876
Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	435,366	428,034
Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	2,092	3,842
One-to Four- Family [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	137,131	133,031
One-to Four- Family [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	135,644	131,519
One-to Four- Family [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	1,487	1,512
Home Equity [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	31,821	34,675
Home Equity [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	31,386	34,289
Home Equity [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	435	386
Commercial and Multifamily [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	164,179	168,952
Commercial and Multifamily [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	164,179	167,313
Commercial and Multifamily [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	0	1,639
Construction and Land [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	49,034	46,279
Construction and Land [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	48,993	46,198
Construction and Land [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	41	81
Manufactured Homes [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	13,632	12,539
Manufactured Homes [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	13,578	12,344
Manufactured Homes [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	54	195
Other Consumer [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	20,987	16,875
Other Consumer [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	20,912	16,846
Other Consumer [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	75	29
Commercial Business [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	20,674	19,525
Commercial Business [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	20,674	19,525
Commercial Business [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	$ 0	$ 0

Loans, Loans Individually Evalu

Loans, Loans Individually Evaluated for Impairment (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Jun. 30, 2015	Dec. 31, 2014
With no related allowance recorded [Abstract]
Recorded investment	$ 1,435,000		$ 1,435,000			$ 4,414,000
Unpaid principal balance	1,858,000		1,858,000			4,776,000
Average recorded investment	2,174,000	$ 5,638,000	3,159,000	$ 4,289,000
Interest income recognized	25,000	56,000	53,000	169,000
With an allowance recorded [Abstract]
Recorded investment	8,172,000		8,172,000			4,734,000
Unpaid principal balance	7,941,000		7,941,000			4,828,000
Related allowance	1,022,000		1,022,000		$ 367,000
Average recorded investment	7,710,000	4,292,000	6,284,000	6,119,000
Interest income recognized	98,000	61,000	282,000	180,000
Total [Abstract]
Recorded investments	9,607,000		9,607,000			9,148,000
Unpaid principal balance	9,799,000		9,799,000			9,604,000
Average recorded investment	9,884,000	9,930,000	9,443,000	10,408,000
Interest income recognized	123,000	117,000	335,000	349,000
Impaired loans, interest income forgone			72,000	61,000
Commitments to lend additional funds to borrowers whose loans were classified as nonaccrual, TDR or impaired	0		0			0
One-to Four- Family [Member]
With no related allowance recorded [Abstract]
Recorded investment	1,134,000		1,134,000			2,096,000
Unpaid principal balance	1,487,000		1,487,000			2,340,000
Average recorded investment	1,688,000	2,276,000	1,797,000	1,444,000
Interest income recognized	19,000	22,000	45,000	70,000
With an allowance recorded [Abstract]
Recorded investment	4,850,000		4,850,000			2,090,000
Unpaid principal balance	4,525,000		4,525,000			2,090,000
Related allowance	661,000		661,000		258,000
Average recorded investment	4,072,000	2,283,000	3,160,000	3,184,000
Interest income recognized	51,000	24,000	153,000	74,000
Total [Abstract]
Recorded investments	5,984,000		5,984,000			4,186,000
Unpaid principal balance	6,012,000		6,012,000			4,430,000
Average recorded investment	5,760,000	4,559,000	4,957,000	4,628,000
Interest income recognized	70,000	46,000	198,000	144,000
Home Equity [Member]
With no related allowance recorded [Abstract]
Recorded investment	156,000		156,000			494,000
Unpaid principal balance	159,000		159,000			555,000
Average recorded investment	251,000	756,000	387,000	510,000
Interest income recognized	2,000	8,000	5,000	24,000
With an allowance recorded [Abstract]
Recorded investment	757,000		757,000			753,000
Unpaid principal balance	851,000		851,000			847,000
Related allowance	89,000		89,000		28,000
Average recorded investment	755,000	789,000	728,000	1,078,000
Interest income recognized	8,000	8,000	23,000	24,000
Total [Abstract]
Recorded investments	913,000		913,000			1,247,000
Unpaid principal balance	1,010,000		1,010,000			1,402,000
Average recorded investment	1,006,000	1,545,000	1,115,000	1,588,000
Interest income recognized	10,000	16,000	28,000	48,000
Commercial and Multifamily [Member]
With no related allowance recorded [Abstract]
Recorded investment	0		0			1,492,000
Unpaid principal balance	0		0			1,542,000
Average recorded investment	125,000	2,245,000	756,000	2,005,000
Interest income recognized	0	19,000	0	55,000
With an allowance recorded [Abstract]
Recorded investment	1,976,000		1,976,000			1,464,000
Unpaid principal balance	1,976,000		1,976,000			1,464,000
Related allowance	183,000		183,000		8,000
Average recorded investment	2,263,000	737,000	1,860,000	1,168,000
Interest income recognized	30,000	21,000	78,000	59,000
Total [Abstract]
Recorded investments	1,976,000		1,976,000			2,956,000
Unpaid principal balance	1,976,000		1,976,000			3,006,000
Average recorded investment	2,388,000	2,982,000	2,616,000	3,173,000
Interest income recognized	30,000	40,000	78,000	114,000
Construction and Land [Member]
With no related allowance recorded [Abstract]
Recorded investment	41,000		41,000			100,000
Unpaid principal balance	81,000		81,000			100,000
Average recorded investment	41,000	122,000	50,000	71,000
Interest income recognized	1,000	1,000	0	7,000
With an allowance recorded [Abstract]
Recorded investment	93,000		93,000			80,000
Unpaid principal balance	93,000		93,000			80,000
Related allowance	18,000		18,000		14,000
Average recorded investment	94,000	82,000	107,000	134,000
Interest income recognized	1,000	1,000	4,000	3,000
Total [Abstract]
Recorded investments	134,000		134,000			180,000
Unpaid principal balance	174,000		174,000			180,000
Average recorded investment	135,000	204,000	157,000	205,000
Interest income recognized	2,000	2,000	4,000	10,000
Manufactured Homes [Member]
With no related allowance recorded [Abstract]
Recorded investment	29,000		29,000			87,000
Unpaid principal balance	41,000		41,000			94,000
Average recorded investment	29,000	93,000	60,000	92,000
Interest income recognized	1,000	2,000	2,000	5,000
With an allowance recorded [Abstract]
Recorded investment	333,000		333,000			317,000
Unpaid principal balance	333,000		333,000			317,000
Related allowance	60,000		60,000		41,000
Average recorded investment	337,000	395,000	325,000	474,000
Interest income recognized	6,000	7,000	18,000	20,000
Total [Abstract]
Recorded investments	362,000		362,000			404,000
Unpaid principal balance	374,000		374,000			411,000
Average recorded investment	366,000	488,000	385,000	566,000
Interest income recognized	7,000	9,000	20,000	25,000
Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded investment	75,000		75,000			21,000
Unpaid principal balance	90,000		90,000			21,000
Average recorded investment	41,000	19,000	29,000	14,000
Interest income recognized	2,000	2,000	1,000	3,000
With an allowance recorded [Abstract]
Recorded investment	6,000		6,000			30,000
Unpaid principal balance	6,000		6,000			30,000
Related allowance	0		0		18,000
Average recorded investment	52,000	6,000	34,000	12,000
Interest income recognized	0	0	1,000	0
Total [Abstract]
Recorded investments	81,000		81,000			51,000
Unpaid principal balance	96,000		96,000			51,000
Average recorded investment	93,000	25,000	63,000	26,000
Interest income recognized	2,000	2,000	2,000	3,000
Commercial Business [Member]
With no related allowance recorded [Abstract]
Recorded investment	0		0			124,000
Unpaid principal balance	0		0			124,000
Average recorded investment	0	127,000	82,000	153,000
Interest income recognized	0	2,000	0	5,000
With an allowance recorded [Abstract]
Recorded investment	157,000		157,000			0
Unpaid principal balance	157,000		157,000			0
Related allowance	11,000		11,000		$ 0
Average recorded investment	138,000	0	69,000	69,000
Interest income recognized	2,000	0	5,000	0
Total [Abstract]
Recorded investments	157,000		157,000			124,000
Unpaid principal balance	157,000		157,000			$ 124,000
Average recorded investment	138,000	127,000	151,000	222,000
Interest income recognized	$ 2,000	$ 2,000	$ 5,000	$ 5,000

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Contract	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Contract	Dec. 31, 2014USD ($)
Financing Receivable, Modifications [Line Items]
Loans classified as TDRs	$ 6,100,000		$ 6,100,000		$ 7,700,000
Number of contracts | Contract		2		3
Total modifications		$ 1,530,000		$ 1,706,000
Commitments to lend additional funds to borrowers whose loan terms have been modified in TDRs	0		0		0
Allowance for loan losses allocated to TDRs	667,000		667,000		$ 349,000
TDR modifications with subsequent default	$ 0	176,000	$ 0	176,000
Number of days past due to be considered in default	30 days
Number of TDR loans that are delinquent | Loan	0		0
Number of TDR loans in nonaccrual status | Loan	0		0
Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		1,530,000		$ 1,706,000
30-59 Days Past Due [Member]
Financing Receivable, Modifications [Line Items]
Total of TDR loans modified	$ 0		$ 0
60-89 Days Past Due [Member]
Financing Receivable, Modifications [Line Items]
Total of TDR loans modified	0		0
One-to Four- Family [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract				1
Total modifications				$ 176,000
TDR modifications with subsequent default	0	$ 176,000	0	176,000
One-to Four- Family [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications				0
One-to Four- Family [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications				0
One-to Four- Family [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications				0
One-to Four- Family [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications				$ 176,000
Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract		1		1
Total modifications		$ 57,000		$ 176,000
Home Equity [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Home Equity [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Home Equity [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Home Equity [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		$ 57,000		$ 57,000
Commercial and Multifamily [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract		1		1
Total modifications		$ 1,473,000		$ 1,473,000
TDR modifications with subsequent default	$ 0	0	$ 0	0
Commercial and Multifamily [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Commercial and Multifamily [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Commercial and Multifamily [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0		0
Commercial and Multifamily [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		$ 1,473,000		$ 1,473,000

Fair Value Measurements, Fair V

Fair Value Measurements, Fair Value Hierarchy (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
FINANCIAL ASSETS [Abstract]
Available for sale securities	$ 7,140	$ 11,524
Mortgage servicing rights	3,226	3,028
Level 1 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	36,669	29,289
Available for sale securities	0	0
Loans held for sale	0	0
Loans	0	0
Accrued interest receivable	1,453	1,497
Bank-owned life insurance, net	0	0
Mortgage servicing rights	0	0
FHLB Stock	0	0
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Accrued interest payable	0	0
Level 2 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	0	0
Available for sale securities	7,140	9,179
Loans held for sale	797	828
Loans	0	0
Accrued interest receivable	0	0
Bank-owned life insurance, net	11,661	11,661
Mortgage servicing rights	0	0
FHLB Stock	0	0
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	259,994	235,870
Time deposits	158,624	172,334
Borrowings	24,071	30,534
Accrued interest payable	61	76
Level 3 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	0	0
Available for sale securities	0	2,345
Loans held for sale	0	0
Loans	430,652	423,714
Accrued interest receivable	0	0
Bank-owned life insurance, net	0	0
Mortgage servicing rights	3,226	3,028
FHLB Stock	1,558	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	36,669	29,289
Available for sale securities	7,140	11,524
Loans held for sale	772	810
Loans	435,829	430,360
Accrued interest receivable	1,453	1,497
Bank-owned life insurance, net	11,661	11,661
Mortgage servicing rights	3,226	3,028
FHLB Stock	1,558	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	259,994	235,870
Time deposits	159,581	171,939
Borrowings	24,096	30,578
Accrued interest payable	61	76
Fair Value [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	36,669	29,289
Available for sale securities	7,140	11,524
Loans held for sale	797	828
Loans	430,652	423,714
Accrued interest receivable	1,453	1,497
Bank-owned life insurance, net	11,661	11,661
Mortgage servicing rights	3,226	3,028
FHLB Stock	1,558	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	259,994	235,870
Time deposits	158,624	172,334
Borrowings	24,071	30,534
Accrued interest payable	$ 61	$ 76

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset transfers from Level 1 to Level 2	$ 0	$ 0	$ 0	$ 0
Asset transfers from Level 2 into Level 3	0	$ 0	0	$ 0
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	2,064		2,064		$ 2,083
Agency mortgage-backed securities	4,608		4,608		7,096
Non-agency mortgage-backed securities	468		468		2,345
Mortgage servicing rights	3,226		3,226		3,028
Liabilities carried at fair value	0		0		0
Recurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0		0		0
Agency mortgage-backed securities	0		0		0
Non-agency mortgage-backed securities	0		0		0
Mortgage servicing rights	0		0		0
Recurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	2,064		2,064		2,083
Agency mortgage-backed securities	4,608		4,608		7,096
Non-agency mortgage-backed securities	0		0		0
Mortgage servicing rights	0		0		0
Recurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0		0		0
Agency mortgage-backed securities	0		0		0
Non-agency mortgage-backed securities	468		468		2,345
Mortgage servicing rights	3,226		3,226		3,028
Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	177		177		323
Impaired loans	9,607		9,607		9,148
Liabilities carried at fair value	0		0		0
Nonrecurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0		0		0
Impaired loans	0		0		0
Nonrecurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0		0		0
Impaired loans	0		0		0
Nonrecurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	177		177		323
Impaired loans	$ 9,607		$ 9,607		$ 9,148

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details)	9 Months Ended
	Sep. 30, 2015
Mortgage Servicing Rights [Member] | Minimum [Member] | Discounted Cash Flow [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	105.00%
Discount rate	8.00%
Mortgage Servicing Rights [Member] | Maximum [Member] | Discounted Cash Flow [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	380.00%
Discount rate	12.00%
Mortgage Servicing Rights [Member] | Weighted Average [Member] | Discounted Cash Flow [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	192.00%
Discount rate	10.00%
Non-agency Mortgage-backed Securities [Member] | Weighted Average [Member] | Discounted Cash Flow [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	8.00%
OREO [Member] | Minimum [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	5.00%
OREO [Member] | Maximum [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	48.00%
OREO [Member] | Weighted Average [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	21.00%
Impaired Loans [Member] | Minimum [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	0.00%
Impaired Loans [Member] | Maximum [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	30.00%
Impaired Loans [Member] | Weighted Average [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	7.00%

Fair Value Measurements, Level

Fair Value Measurements, Level 3 Unobservable Inputs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance, at fair value	$ 483	$ 2,583	$ 2,345	$ 2,419
OTTI impairment losses	0	0	0	0
Principal payments	(14)	(93)	(149)	(314)
Sales	0		(1,702)
Change in unrealized loss	(1)	15	(26)	400
Ending balance, at fair value	$ 468	$ 2,505	$ 468	$ 2,505

Mortgage Servicing Rights (Deta

Mortgage Servicing Rights (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Mortgage Servicing Rights [Abstract]
Unpaid principal balances of loans serviced for FNMA		$ 360,100		$ 360,100		$ 357,800
Unpaid principal balances of loans serviced for other financial institutions		19,100		19,100		$ 14,200
Summary of the Change in the Balance of Mortgage Service Rights Assets [Roll Forward]
Beginning balance, at fair value				3,028
Servicing rights that result from transfers of financial assets				(582)	$ (341)
Changes in fair value [Abstract]
Ending balance, at fair value		3,226		3,226
Mortgage Servicing Rights, Key Economic Assumptions [Abstract]
Mortgage servicing income		202	$ 202	671	235
Mortgage Servicing Assets [Member]
Summary of the Change in the Balance of Mortgage Service Rights Assets [Roll Forward]
Beginning balance, at fair value		3,028	2,993	3,028	2,984
Servicing rights that result from transfers of financial assets		146	157	582	341
Changes in fair value [Abstract]
Due to changes in model inputs or assumptions	[1]	(22)	152	152	437
Other	[2]	74	(187)	(536)	(647)
Ending balance, at fair value		$ 3,226	$ 3,115	$ 3,226	$ 3,115
Mortgage Servicing Rights, Key Economic Assumptions [Abstract]
Prepayment speed (Public Securities Association "PSA" model)				192.00%	196.00%
Weighted-average life				6 years 5 months 5 days	6 years 4 months 28 days
Yield to maturity discount rate				10.00%	10.00%
[1]	Represents changes in discount rates and prepayment speed assumptions, which are primarily affected by changes in interest rates
[2]	Represents changes due to collection or realization of expected cash flows over time.

Borrowings and FHLB Stock (Deta

Borrowings and FHLB Stock (Details) - USD ($)	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Short-term Debt [Line Items]
Investment in FHLB stock	$ 1,558,000	$ 2,224,000
FHLB of Seattle [Member]
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	176,000,000	133,300,000
Outstanding borrowings	24,100,000	30,600,000
Asset impairment charges	0
Pacific Coast Banker's Bank [Member]
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	2,000,000
Outstanding borrowings	$ 0	0
Term period	2 years
Maturity date	Jun. 30, 2016
Zions Bank [Member]
Short-term Debt [Line Items]
Outstanding borrowings	$ 0	0
Line of credit facility, maximum borrowing capacity	9,000,000
Line of credit facility cash balance	250,000
One-to Four- Family [Member] | FHLB of Seattle [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	76,500,000
Home Equity [Member] | FHLB of Seattle [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	6,700,000
Commercial and Multifamily [Member] | FHLB of Seattle [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	96,700,000
Letter of Credit [Member] | FHLB of Seattle [Member]
Short-term Debt [Line Items]
Letters of credit to secure public deposits	42,500,000	42,500,000
Net remaining amount available	109,400,000	60,300,000
Federal Reserve Bank Advances [Member]
Short-term Debt [Line Items]
Outstanding borrowings	0	0
Unused borrowing capacity	$ 25,900,000	$ 21,800,000

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Common Share [Abstract]
Net income		$ 1,115	$ 1,235	$ 3,570	$ 3,438
Less net income attributable to participating securities	[1]	38	22	118	60
Net income available to common shareholders		$ 1,077	$ 1,213	$ 3,452	$ 3,378
Weighted average number of shares outstanding, basic (in shares)		2,465,000	2,516,000	2,500,000	2,511,000
Effect of potentially dilutive common shares (in shares)	[2]	87,000	93,000	86,000	94,000
Weighted average number of shares outstanding, diluted (in shares)		2,552,000	2,609,000	2,586,000	2,605,000
Earnings per share, basic (in dollars per share)		$ 0.45	$ 0.49	$ 1.43	$ 1.37
Earnings per share, diluted (in dollars per share)		$ 0.44	$ 0.47	$ 1.38	$ 1.32
Weighted average outstanding securities not included in computation of diluted earnings per common share (in shares)		0	0	0	0
[1]	Represents dividends paid and undistributed earnings allocated to non-vested restricted stock awards.
[2]	Represents the effect of the assumed exercise of stock options and vesting of non-participating restricted shares, based on the treasury stock method.

Stock-based Compensation (Detai

Stock-based Compensation (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)shares	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)Planshares	Sep. 30, 2014USD ($)
Stock-based Compensation [Line Items]
Number of equity incentive plans | Plan			2
Share-based compensation expense | $	$ 115,000	$ 322,000	$ 45,000	$ 289,000
2008 Plan [Member] | Stock Options and Stock Appreciation Rights [Member]
Stock-based Compensation [Line Items]
Shares authorized (in shares)	126,287		126,287
2008 Plan [Member] | Restricted Stock Awards [Member]
Stock-based Compensation [Line Items]
Shares authorized (in shares)	50,514		50,514
2013 Plan [Member] | Stock Options and Stock Appreciation Rights [Member]
Stock-based Compensation [Line Items]
Shares authorized (in shares)	141,750		141,750
2013 Plan [Member] | Restricted Stock Awards [Member]
Stock-based Compensation [Line Items]
Shares authorized (in shares)	56,700		56,700

Stock-based Compensation, Stock

Stock-based Compensation, Stock Option Awards (Details) - Stock Options [Member] - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Options, Outstanding [Roll Forward]
Outstanding at the beginning of the year (in shares)	152,018
Granted (in shares)	40,782
Exercised (in shares)	(4,611)
Forfeited (in shares)	(1,205)
Expired (in shares)	0
Outstanding at end of the period (in shares)	188,189	152,018
Exercisable (in shares)	87,166
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in shares)	188,189
Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Outstanding at the beginning of the year (in dollars per share)	$ 13.30
Granted (in dollars per share)	18.36
Exercised (in dollars per share)	9.10
Forfeited (in dollars per share)	16.80
Outstanding at end of the period (in dollars per share)	14.45	$ 13.30
Exercisable (in dollars per share)	12.07
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in dollars per share)	$ 14.45
Options, Additional Disclosures [Abstract]
Outstanding, Weighted-Average Remaining Contractual Term		7 years 2 months 16 days
Outstanding, Aggregate Intrinsic Value	$ 1,067,032	$ 858,902
Exercisable Aggregate Intrinsic Value	701,686
Aggregate Intrinsic Value	$ 1,067,032
Valuation assumptions used in estimating fair value of option awards [Abstract]
Annual dividend yield	1.20%
Expected volatility	24.80%
Risk-free interest rate	1.35%
Expected term	7 years 3 months
Weighted-average grant date fair value per option granted (in dollars per share)	$ 3.83
the Plans [Member]
Stock-based Compensation [Line Items]
Annual vesting	20.00%
Vesting term from grant date	1 year
Term of awards	P10Y
Options, Additional Disclosures [Abstract]
Unrecognized compensation cost	$ 708,000
Weighted-average vesting period	1 year 8 months 12 days

Stock-based Compensation, Restr

Stock-based Compensation, Restricted Stock Awards (Details) - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Restricted Stock Awards [Member]
Nonvested Restricted Stock Awards [Roll Forward]
Non-vested at the beginning of the period (in shares)	33,243
Granted (in shares)	10,208
Vested (in shares)	(11,416)
Forfeited (in shares)	(482)
Expired (in shares)	0
Non-vested at the end of the period (in shares)	31,553
Nonvested Restricted Stock Awards, Weighted Average Grant Date Fair Value [Roll Forward]
Non-vested at beginning of the period (in dollars per share)	$ 2.49
Granted (in dollars per share)	3.83
Vested (in dollars per share)	1.94
Forfeited (in dollars per share)	1.31
Expired (in dollars per share)	0
Non-vested at the end of the period (in dollars per share)	$ 1.87
Nonvested Restricted Stock Awards, Additional Disclosures [Abstract]
Expected to vest assuming a 0% forfeiture rate over the vesting term (in shares)	31,553
Expected to vest assuming a 0% forfeiture rate over the vesting term, Weighted Average Grant Date Fair Value (in dollars per share)	$ 1.87
Unrecognized compensation cost	$ 572,000
Weighted-average vesting period	1 year 2 months 12 days
Total fair value of shares vested	$ 240,000	$ 269,000
2008 Plan [Member] | Restricted Stock and Restricted Stock Units [Member]
Stock-based Compensation [Line Items]
Restricted stock award vesting rights	The restricted stock awards granted under the 2008 Plan to date provide for vesting in 20 percent annual increments commencing one year from the grant date.
2008 Plan [Member] | Restricted Stock Awards [Member]
Stock-based Compensation [Line Items]
Annual vesting	20.00%
Vesting term from grant date	1 year
2013 Plan [Member] | Restricted Stock and Restricted Stock Units [Member]
Stock-based Compensation [Line Items]
Restricted stock award vesting rights	The restricted stock awards under the 2013 Plan to date vested 20% of a recipient’s award immediately with the balance of an individual’s award vesting in four equal annual installments commencing one year from the grant date.
2013 Plan [Member] | Restricted Stock Awards [Member]
Stock-based Compensation [Line Items]
Immediate vesting	20.00%
Award vesting period	4 years
Vesting term from grant date	1 year

Stock-based Compensation, Emplo

Stock-based Compensation, Employee Stock Ownership Plan (Details) - Employee Stock Ownership Plan [Member] - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Aug. 31, 2012	Jan. 31, 2008
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Repayment terms			10 years
Committed to release (in shares)	21,443		21,443
Unallocated shares (in shares)	109,686		109,686
Number of common shares hold by the trust (in shares)	194,728		194,728
Fair value of shares held by ESOP trust	$ 3,900,000		$ 3,900,000
ESOP compensation expense	110,000	$ 78,000	313,000	$ 233,000
ESOP Borrowing in 2008 [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock						$ 1,200,000
ESOP loan interest rate loan to purchase company stock						4.00%
ESOP remaining loan balance from shares purchased	398,000		398,000
ESOP Borrowing in 2012 [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock					$ 1,100,000
ESOP loan interest rate loan to purchase company stock					2.25%
ESOP remaining loan balance from shares purchased	$ 808,000		$ 808,000

Subsequent Event (Details)

Subsequent Event (Details) - Common Stock Dividend Declared [Member] - $ / shares	Oct. 29, 2015	Sep. 30, 2015
Subsequent Event [Line Items]
Dividends payable, date declared		Oct. 29, 2015
Dividends payable, payment date		Nov. 24, 2015
Dividends payable, record date		Nov. 10, 2015
Subsequent Event [Member]
Subsequent Event [Line Items]
Cash dividend declared (in dollars per share)	$ 0.06