Home Bancorp Wisconsin (HWIS) 10-Q 8 Feb 16 2016 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Dec. 31, 2015	Feb. 08, 2016
Entity Registrant Name	Home Bancorp Wisconsin, Inc.
Entity Central Index Key	1,578,505
Trading Symbol	hwis
Current Fiscal Year End Date	--09-30
Entity Filer Category	Smaller Reporting Company
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		899,190
Document Type	10-Q
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Amendment Flag	false

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Assets
Cash and due from banks	$ 4,289,000	$ 2,222,000
Interest-bearing deposits	964,000	311,000
Cash and cash equivalents	5,253,000	2,533,000
Other interest-bearing deposits	5,011,000	5,011,000
Securities available for sale	2,637,000	2,765,000
Securities held to maturity (fair value of $2,764 and $2,933 for December 31, 2015 and September 30, 2015, respectively)	2,729,000	2,870,000
Loans held for sale	1,185,000	151,000
Loans, net of allowance for loan losses of $1,482 and $1,478 for December 31, 2015 and September 30, 2015, respectively	112,497,000	109,860,000
Premises and equipment, net	5,221,000	5,212,000
Foreclosed assets	0	260,000
Cash value of life insurance	3,335,000	3,316,000
Federal Home Loan Bank stock	646,000	646,000
Other assets	834,000	902,000
TOTAL ASSETS	139,348,000	133,526,000
Liabilities:
Demand deposits	34,709,000	30,055,000
Money market and savings deposits	44,248,000	43,105,000
Time deposits	32,544,000	32,560,000
Total deposits	111,501,000	105,720,000
Advance payments by borrowers for taxes and insurance	387,000	793,000
Federal funds purchased	517,000	616,000
Borrowed funds	12,960,000	13,005,000
Other liabilities	1,811,000	1,247,000
Total liabilities	$ 127,176,000	$ 121,381,000
Commitments and contingencies (Note 1)
Stockholders’ Equity:
Common stock $0.01 par value, 30,000,000 shares authorized; 899,190 shares issued and outstanding at December 31, 2015 and September 30, 2015	$ 9,000	$ 9,000
Additional paid-in capital	7,406,000	7,407,000
Retained earnings	5,423,000	5,371,000
Unearned Employee Stock Ownership Plan (ESOP) shares	(662,000)	(669,000)
Accumulated other comprehensive income (loss)	(4,000)	27,000
Total stockholders’ equity	12,172,000	12,145,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 139,348,000	$ 133,526,000

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Securities held to maturity, fair value	$ 2,764	$ 2,933
Loans, allowance for loan losses	$ 1,482	$ 1,478
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	30,000,000	30,000,000
Common stock, shares issued (in shares)	899,190	899,190
Common stock, shares outstanding (in shares)	899,190	899,190

Condensed Consolidated Statemen

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income:
Loans, including fees	$ 1,151	$ 938
Interest-bearing deposits	25	33
Securities	28	54
Total interest and dividend income	1,204	1,025
Interest expense:
Deposits	85	68
Borrowed funds	74	47
Total interest expense	159	115
Net interest income	1,045	910
Provision for loan losses	5	30
Net interest income after provision for loan losses	1,040	880
Noninterest income:
Service fees	73	62
Mortgage banking income	$ 36	25
Net gain (loss) on sale of securities		7
Increase in cash value of life insurance	$ 19	20
Net gain on sale of premises and equipment	15	16
Rental income	24	26
Other	12	7
Total noninterest income	179	163
Noninterest expense:
Compensation and employee benefits	574	599
Occupancy and equipment	175	187
Data processing and office expense	224	234
Foreclosed assets, net	23	44
Advertising and promotions	26	28
Professional fees	60	31
Examinations and assessments	39	39
Other	46	62
Total noninterest expense	1,167	1,224
Income (loss) before income taxes	$ 52	$ (181)
Provision for income taxes
Net income (loss)	$ 52	$ (181)
Earnings per share:
Basic earnings per share (in dollars per share)	$ 0.06	$ (0.22)
Diluted earnings per share (in dollars per share)	$ 0.06	$ (0.22)

Condensed Consolidated Stateme5

Condensed Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($)	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Net loss	$ 52,000	$ (181,000)
Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on securities	$ (31,000)	27,000
Reclassification adjustment for (gains) losses realized in net loss		(7,000)
Income tax effect	$ 0	0
Net unrealized gain (loss) on securities	(31,000)	20,000
Other comprehensive income (loss), net of tax	(31,000)	20,000
Comprehensive income (loss)	$ 21,000	$ (161,000)

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Sep. 30, 2014	$ 9	$ 7,413	$ 6,050	$ (698)	$ (8)	$ 12,766
Net loss			$ (181)			(181)
Allocation of 719 Shares from ESOP		$ (1)		$ 8		7
Other comprehensive loss					$ 20	20
Balance at December 31, 2014 at Dec. 31, 2014	$ 9	$ 7,412	$ 5,869	$ (690)	12	12,612
Balance at Sep. 30, 2015	$ 9	$ 7,407	5,371	$ (669)	$ 27	12,145
Net loss			$ 52			52
Allocation of 719 Shares from ESOP		$ (1)		$ 7		6
Other comprehensive loss					$ (31)	(31)
Balance at December 31, 2014 at Dec. 31, 2015	$ 9	$ 7,406	$ 5,423	$ (662)	$ (4)	$ 12,172

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - shares	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Unearned ESOP Shares [Member]
Shares committed to be released and allocated to participants (in shares)	719	719
Shares committed to be released and allocated to participants (in shares)		719

Condensed Consolidated Stateme8

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income (loss)	$ 52,000	$ (181,000)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Depreciation	58,000	65,000
Net amortization of premiums and discounts	5,000	8,000
Employee Stock Ownership Plan (ESOP), Compensation Expense	6,000	7,000
Provision for loan losses	$ 5,000	30,000
Net gain on sale of securities		(7,000)
Gain on sale of premises and equipment	$ (15,000)	(16,000)
Net loss on foreclosed assets	23,000	33,000
Increase in cash surrender value	(19,000)	(20,000)
Changes in operating assets and liabilities:
Loans held for sale	(1,034,000)	(446,000)
Other assets	68,000	51,000
Other liabilities	579,000	643,000
Total adjustments	(324,000)	348,000
Net cash (used in) provided by operating activities	$ (272,000)	167,000
Cash flows from investing activities:
Net increase in other interest-bearing deposits		655,000
Proceeds from sales of securities available for sale		836,000
Proceeds from maturities, prepayments, and calls of securities available for sale	$ 93,000	1,221,000
Proceeds from maturities, prepayments, and calls of securities held to maturity	140,000	114,000
Net increase in loans	(2,642,000)	(6,964,000)
Proceeds from sale of foreclosed assets	237,000	127,000
Capital expenditures	(67,000)	(3,000)
Net cash used in investing activities	(2,239,000)	(4,014,000)
Cash flows from financing activities:
Net increase in deposits	5,781,000	1,653,000
Net decrease in advance payments by borrowers for taxes and insurance	(406,000)	(451,000)
Net increase (decrease) in federal funds purchased	$ (99,000)	766,000
Proceeds from borrowings		$ 1,500,000
Repayments of borrowed funds	$ (45,000)
Net cash provided by (used in) financing activities	5,231,000	$ 3,468,000
Net increase (decrease) in cash and cash equivalents	2,720,000	(379,000)
Cash and cash equivalents at beginning	2,533,000	4,047,000
Cash and cash equivalents at end	5,253,000	3,668,000
Supplemental cash flow information:
Cash paid for interest	$ 157,000	129,000
Noncash operating and investing activities:
Loans transferred to foreclosed assets		$ 100,000

Note 1 - Basis of Financial Sta

Note 1 - Basis of Financial Statement Presentation	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Business Description and Basis of Presentation [Text Block]	Note 1 Basis of Financial Statement Presentation The unaudited financial statements include the accounts of Home Bancorp Wisconsin, Inc. and its wholly-owned subsidiary, Home Savings Bank, the “Bank,” and collectively, (the “Company”). The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial reporting and with instructions for Form 10-Q and Regulation S-X. Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations. The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the balance sheet date and revenues and expenses for the period. Actual results could differ from these estimates. In the opinion of management, the preceding unaudited condensed financial statements contain all adjustments (consisting only of normal recurring accruals) necessary for a fair presentation of the financial condition of the Company as of December 31, 2015 and September 30, 2015, and the results of its operations, comprehensive income (loss), and the statements of stockholders’ equity, and cash flows for the three months ended December 31, 2015 and 2014. These financial statements should be read in conjunction with the financial statements of the Company for the year ended September 30, 2015 included as part of Home Bancorp Wisconsin, Inc.’s 10-K dated December 23, 2015 as filed with the Securities and Exchange Commission. The results of operations for the three month period ended December 31, 2015 are not necessarily indicative of the results that may be expected for the entire year. For further information, refer to the financial statements and footnotes thereto in the Annual Report on Form 10-K.

Note 2 - New Accounting Pronoun

Note 2 - New Accounting Pronouncements	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	Note 2 New Accounting Pronouncements In January 2016, Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities. The new standard makes a number of changes to the recognition and measurement standards of financial instruments, including the following changes: 1) equity securities with a readily determinable fair value will have to be measured at fair value with changes in fair value recognized in net income; 2) entities that are public business entities will no longer be required to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost; and 3) entities that are public business entities will be required to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. This new standard is effective for consolidated financial statements issued for annual reporting periods, and interim periods within those annual periods, beginning after December 15, 2017. The adoption of this new standard is not expected to have a material impact on our financial condition or results of operations , except that the Company will no longer disclose the method(s) and significant assumptions used to estimate the fair value of financial instruments measured at amortized cost. In May 2015, FASB issued ASU No. 2015-07, Disclosures for Investments in Certain Entities That Calculate Net Asset Value (“NAV”) per Share (or Its Equivalent). The new disclosure guidance eliminates the requirement to categorize investments measured using the net asset value practical expedient in the fair value hierarchy table. Entities will be required to disclose the fair value of investments measured using the net asset value practical expedient so that financial statement users can reconcile amounts reported in the fair value hierarchy table to amounts reported on the balance sheet. This disclosure will be presented for interim and annual reporting periods beginning after December 15, 2015 on a retrospective basis. Early adoption is permitted. The adoption of this disclosure guidance is not expected to have a material impact on our financial condition or results of operations. In April 2015, FASB issued ASU No. 2015-03, Interest-Imputation of Interest (subtopic 835-30): Simplify the Presentation of Debt Issuance Costs. The primary purpose of this new guidance is to present debt issuance costs as a direct deduction from the carrying amount of the debt liability. This guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015. The Company adopted this guidance for the December 31, 2015 reporting period. Adoption of this standard reduced Other assets, and Time deposits by $27. In January 2014, FASB issued ASU No. 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The primary purpose of this new guidance is to clarify, for consumer mortgage loans, when an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a residential mortgage loan. This guidance is effective for annual and interim periods beginning after December 15, 2014. The adoption of the guidance did not have a material impact on the consolidated financial statements or the Notes thereto. In May 2014, FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606). The amendment supercedes and replaces nearly all existing revenue recognition guidance. Under the amended guidance, an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. This guidance is effective for annual and interim periods beginning after December 15, 2017, and interim periods within annual periods beginning after December 15, 2018. In August 2015, FASB issued ASU No. 2015-14 Revenue from Contracts with Customer (Topic 606), Deferral of the Effective Date. The amendment defers the effective date of ASU No. 2014-09 by one year. Adoption of ASU No. 2014-04 and ASU 2015-14 is not expected to have a material impact on the consolidated financial statements, but significant disclosures to the Notes thereto will be required. In June 2014, FASB issued ASU No. 2014-12, Compensation-Stock Compensation: Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period. The new accounting guidance clarifies how to account for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. This accounting guidance will be effective for interim and annual reporting periods beginning after December 15, 2015 and can be implemented using either a retrospective method or a prospective method. Early adoption is permitted. The adoption of this accounting guidance is not expected to have a material effect on our financial condition or results of operations. In August 2014, FASB issued ASU No. 2014-14, Receivables-Troubled Debt Restructurings by Creditors (subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans Upon Foreclosure. The amendments in this guidance require a mortgage loan be derecognized and a separate other receivable be recognized upon foreclosure if certain conditions are met. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. This guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The adoption of the standard did not have a material effect on the Company’s operating results or financial condition.

Note 3 - Earnings per Share

Note 3 - Earnings per Share	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 3 Earnings Per Share Basic earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding during the period, including allocated and committed-to-be-released ESOP shares, during the applicable period. Diluted earnings per share is computed using the weighted-average number of shares determined for the basic earnings per common share computation plus the dilutive effect of stock compensation using the treasury stock method. The following table presents a reconciliation of the number of shares used in the calculation of basic and diluted earnings per common share for the quarters ended December 31, 2015 and 2014: 2015 2014 Net income (loss) $ 52 $ (181 ) Basic potential common shares: Weighted average shares outstanding 899,190 899,190 Weighted average unallocated Employee Stock Ownership Plan shares (66,540 ) (69,754 ) Basic weighted average shares outstanding 832,650 829,436 Dilutive potential common shares — — Dilutive weighted average shares outstanding 832,650 829,436 Basic earnings per share $ .06 $ (.22 ) Diluted earnings per share $ .06 $ (.22 )

Note 4 - Securities

Note 4 - Securities	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 4 Securities The amortized cost and estimated fair value of securities with gross unrealized gains and losses are as follows: Amortized Gross Gross Estimated December 31, 2015 Securities available for sale: U.S. agency pass-through $ 2,629 $ 4 $ 8 $ 2,625 Securities held to maturity: U.S. agency pass-through $ 2,729 $ 35 — $ 2,764 September 30, 2015 Securities available for sale: U.S. agency pass-through $ 2,738 $ 27 $ — $ 2,765 Securities held to maturity: U.S. agency pass-through $ 2,870 $ 63 $ — $ 2,933 Fair values of securities are estimated based on financial models or prices paid for similar securities. It is possible interest rates could change considerably, resulting in a material change in the estimated fair value.

Note 5 - Loans

Note 5 - Loans	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Financing Receivables [Text Block]	Note 5 Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are generally reported at their outstanding unpaid principal balances adjusted for charge-offs and the allowance for loan losses. Interest on loans is accrued and credited to income based on the unpaid principal balance. Loan-origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. The accrual of interest on loans is discontinued when, in the opinion of management, there is an indication the borrower may be unable to make payments as they become due. When loans are placed on nonaccrual or charged off, all unpaid accrued interest is reversed against interest income. The interest on these loans is subsequently accounted for on the cash-basis or cost-recovery method until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Allowance for Loan Losses The allowance for loan losses is maintained at the level considered adequate by management to provide for losses that are probable. The allowance for loan losses is established through a provision for loan losses charged to expense as losses are estimated to have occurred. Loan losses are charged against the allowance when management believes that the collectability of the principal is unlikely. Subsequent recoveries, if any, are credited to the allowance. Management regularly evaluates the allowance for loan losses using the Company’s past loan loss experience, known and inherent risks in the portfolio, composition of the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, current economic conditions, and other relevant factors. This evaluation is inherently subjective since it requires material estimates that may be susceptible to significant change. A loan is impaired when, based on current information, it is probable that the Company will not collect all amounts due in accordance with the contractual terms of the loan agreement. Management determines whether a loan is impaired on a case-by-case basis, taking into consideration the payment status, collateral value, length and reason of any payment delays, the borrower’s prior payment record, and any other relevant factors. Large groups of smaller-balance homogeneous loans, such as residential mortgage and consumer loans, are collectively evaluated in the allowance for loan losses analysis and are not subject to impairment analysis unless such loans have been subject to a restructuring agreement. Specific allowances for impaired loans are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent. In addition, various regulatory agencies periodically review the allowance for loan losses. These agencies may require additions to the allowance for loan losses based on their judgments of collectability. The following table presents total loans by portfolio segment and class of loan as of December 31, 2015 and September 30, 2015: December 31, September 30, Commercial: Commercial business $ 2,124 $ 2,182 Commercial real estate 19,502 19,595 Multifamily real estate 27,076 25,224 Construction 5,050 5,179 Residential real estate: One- to four-family residential 49,249 48,284 Second mortgage 9,097 9,668 Consumer 2,276 2,311 Subtotals 114,374 112,443 Allowance for loan losses (1,482 ) (1,478 ) Net deferred loan expenses (65 ) (51 ) Undisbursed loan proceeds (330 ) (1,054 ) Loans, net $ 112,497 $ 109,860 Analysis of the allowance for loan losses for the three months ended December 31, 2015 and 2014 follows: Commercial Residential Consumer Totals Balance at September 30, 2014 $ 877 $ 504 $ 22 $ 1,403 Provision for loan losses 96 (68 ) 2 30 Loans charged off — — (5 ) (5 ) Recoveries of loans previously charged off — — 1 1 Balance at December 31, 2014 $ 973 $ 436 $ 20 $ 1,429 Balance at September 30, 2015 $ 930 $ 522 $ 26 $ 1,478 Provision for loan losses (72 ) 75 2 5 Loans charged off — — (3 ) (3 ) Recoveries of loans previously charged off — — 2 2 Balance at December 31, 2015 $ 858 $ 597 $ 27 $ 1,482 Allowance for loan losses at December 31, 2015: Individually evaluated for impairment $ 171 $ 31 $ — $ 202 Collectively evaluated for impairment 687 566 27 1,280 Totals $ 858 $ 597 $ 27 $ 1,482 Allowance for loan losses at September 30, 2015: Individually evaluated for impairment $ 142 $ 34 $ — $ 176 Collectively evaluated for impairment 788 488 26 1,302 Totals $ 930 $ 522 $ 26 $ 1,478 Analysis of loans evaluated for impairment as of December 31, 2015 and September 30, 2015, follows: Commercial Residential Consumer Totals Loans at December 31, 2015: Individually evaluated for impairment $ 832 $ 786 $ — $ 1,618 Collectively evaluated for impairment 52,920 57,560 2,276 112,756 Totals $ 53,752 $ 58,346 $ 2,276 $ 114,374 Loans at September 30, 2015: Individually evaluated for impairment $ 847 $ 845 $ — $ 1,692 Collectively evaluated for impairment 51,333 57,107 2,311 110,751 Totals $ 52,180 $ 57,952 $ 2,311 $ 112,443 Information regarding impaired loans as of December 31, 2015, follows: Recorded Principal Related Average Interest Loans with no related allowance for loan losses: Commercial real estate $ 518 $ 518 N/A $ 525 $ 8 One-to four-family 618 618 N/A 619 9 Totals 1,136 1,136 N/A 1,144 17 Loans with an allowance for loan losses: Commercial business 238 238 163 238 $ 1 Construction 76 76 8 76 1 One-to four-family 168 168 31 169 1 Totals 482 482 202 483 3 Grand totals $ 1,618 $ 1,618 $ 202 $ 1,627 $ 20 Information regarding impaired loans as of September 30, 2015, follows: Recorded Principal Related Average Interest Loans with no related allowance for loan losses: Commercial business $ 80 $ 800 N/A $ 81 $ — Commercial real estate 532 532 N/A 553 33 One-to four-family 473 473 N/A 470 30 Totals 1,085 1,085 N/A 1,104 63 Loans with an allowance for loan losses: Commercial business 158 158 129 159 — Construction 77 77 13 77 4 One-to four-family 372 372 34 375 22 Totals 607 607 176 611 26 Grand totals $ 1,692 $ 1,692 $ 176 $ 1,715 $ 89 No additional funds are committed to be advanced in connection with impaired loans. The Company regularly evaluates various attributes of loans to determine the appropriateness of the allowance for loan losses. The credit quality indicators monitored differ depending on the class of loan. Commercial loans are generally evaluated using the following internally prepared ratings: “Pass” ratings are assigned to loans with adequate collateral and debt service ability such that collectibility of the contractual loan payments is highly probable. “Special mention/watch” ratings are assigned to loans where management has some concern that the collateral or debt service ability may not be adequate, though the collectability of the contractual loan payments is still probable. “Substandard” ratings are assigned to loans that do not have adequate collateral and/or debt service ability such that collectibility of the contractual loan payments is no longer probable. “Doubtful” ratings are assigned to loans that do not have adequate collateral and/or debt service ability, and collectibility of the contractual loan payments is unlikely. Residential real estate and consumer loans are generally evaluated based on whether or not the loan is performing according to the contractual terms of the loan. Information regarding the credit quality indicators most closely monitored for commercial loans by class as of December 31, 2015 and September 30, 2015, follows: Pass Special Substandard Doubtful Totals December 31, 2015 Commercial business $ 1,886 $ — $ 238 $ — $ 2,124 Commercial real estate 17,996 988 518 — 19,502 Multifamily real estate 16,854 222 — — 27,076 Construction 4,974 76 — — 5,050 Totals $ 51,710 $ 1,286 $ 756 $ — $ 53,752 September 30, 2015 Commercial business $ 1,944 $ — $ 238 $ — $ 2,182 Commercial real estate 17,990 1,073 532 — 19,595 Multifamily real estate 25,002 222 — — 25,224 Construction 5,103 76 — — 5,179 Totals $ 50,039 $ 1,371 $ 770 $ — $ 52,180 Information regarding the credit quality indicators most closely monitored for residential real estate and consumer loans by class as of December 31, 2014 and September 30, 2014, follows: Performing Non- Totals December 31, 2015 One- to four-family $ 49,216 $ 33 $ 49,249 Second mortgage 9,081 16 9,097 Consumer 2,268 8 2,276 Totals $ 60,565 $ 57 $ 60,622 September 30, 2015 One- to four-family $ 48,284 $ — $ 48,284 Second mortgage 9,652 16 9,668 Consumer 2,303 8 2,311 Totals $ 60,239 $ 24 $ 60,263 Loan aging information as of December 31, 2015, follows: Loans Past Loans Past Total Past Commercial business $ — $ 80 $ 80 Commercial real estate — 62 62 Multifamily real estate — — — Construction — — — One- to four-family 224 33 257 Second mortgage 58 16 74 Consumer 11 8 19 Totals $ 293 $ 199 $ 492 Total Past Total Current Total Loans Loans 90+ Total Commercial business $ 80 $ 2,044 $ 2,124 $ — $ 80 Commercial real estate 62 19,440 19,502 — 62 Multifamily real estate — 27,076 27,076 — — Construction — 5,050 5,050 — — One- to four-family 257 48,992 49,249 — 33 Second mortgage 74 9,023 9,097 — 16 Consumer 19 2,257 2,276 — 8 Totals $ 492 $ 113,882 $ 114,374 $ — $ 199 Loan aging information as of September 30, 2015, follows: Loans Past Loans Past Total Past Commercial business $ — $ 80 $ 80 Commercial real estate — 62 62 Multifamily real estate — — — Construction — — — One- to four-family 487 — 487 Second mortgage 46 16 62 Consumer 3 8 11 Totals $ 536 $ 166 $ 702 Total Past Total Current Total Loans Loans 90+ Total Commercial business $ 80 $ 2,102 $ 2,182 $ — $ 80 Commercial real estate 62 19,533 19,595 — 62 Multifamily real estate — 25,224 25,224 — — Construction — 5,179 5,179 — — One- to four-family 487 47,797 48,284 — — Second mortgage 62 9,606 9,668 — 16 Consumer 11 2,300 2,311 — 8 Totals $ 702 $ 111,741 $ 112,443 $ — $ 166 When, for economic or legal reasons related to the borrower’s financial difficulties, the Company grants a concession to the borrower that the Company would not otherwise consider, the modified loan is classified as a troubled debt restructuring. Loan modifications may consist of forgiveness of interest and/or principal, a reduction of the interest rate, interest-only payments for a period of time, and/or extending amortization terms. No new troubled debt restructurings were entered into during the three months ended December 31, 2015. During the year ended and as of September 30, 2015, there were three new troubled debt restructurings; $262 on two one-to-four family residential real estate loans and $159 on one commercial business loan. No troubled debt restructurings defaulted within 12 months of their modification date during the three months ended December 31, 2015 and one troubled debt restructuring was past due more than 30 days within 12 months of its modification date during the year ended September 30, 2015.

Note 6 - Regulatory Capital Rat

Note 6 - Regulatory Capital Ratios	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 6 Regulatory Capital Ratios The Bank is subject to various regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Federal and state banking agencies have adopted regulations that substantially amend the capital regulations currently applicable to us. The regulations implement the Basel III regulatory capital reforms and changes required by the Dodd-Frank Act. Effective January 1, 2015 (with some changes transitioned into full effectiveness over two to four years), the Bank became subject to new capital requirements adopted by the FDIC. These new requirements create a new required ratio for common equity tier 1 capital, increase the leverage and tier 1 capital ratios, change the risk weight of certain assets for purposes of the risk-based capital ratios, create an additional capital conservation buffer over the required capital ratios and change what qualifies as capital for purposes of meeting these various capital requirements. Beginning in 2016, failure to maintain the required capital conservation buffer will limit the ability of the Bank to pay dividends, repurchase shares or pay discretionary bonuses. The Company is exempt from consolidated capital requirements as those requirements do not apply to certain small savings bank holding companies with assets under $1 billion. Under the new capital regulations, the minimum capital ratios are: (1) common equity tier 1 capital ratio of 4.5% of risk-weighted assets, (2) a tier 1 capital ratio of 6.0% of risk-weighted assets, (3) a total capital ratio of 8.0% of risk-weighted assets, and (4) a tier 1 capital to average assets ratio of 4.0%. Common equity tier 1 capital generally consists of common stock and retained earnings, subject to applicable regulatory adjustments and deductions. There are a number of changes in what constitutes regulatory capital, some of which are subject to transition periods. These changes include the phasing-out of certain instruments as qualifying capital. The Bank does not use any of these instruments. Under the new requirements for total capital, tier 2 capital is no longer limited to the amount of tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets and investments in unconsolidated subsidiaries over designated percentages of common equity tier 1 capital will be deducted from capital. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in our capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on our regulatory capital levels. The new requirements also include changes in the risk-weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (increased from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in non-accrual status; a 20% (increased from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable; a 250% risk weight (increased form 100%) for mortgage servicing and deferred tax assets that are not deducted from capital; and increased risk weights (0% to 600%) for equity exposures. In addition to the minimum common equity tier 1, tier 1 and total capital ratios, the Bank will have to maintain a capital conservation buffer consisting of additional common equity tier 1 capital greater than 2.5% to risk weighted assets above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This new capital conservation buffer requirement will be phased in beginning in January 2016 at 0.635% of risk-weighted assets and increasing each year until fully implemented in January 2019. The FDIC’s prompt corrective action standards also changed effective January 1, 2015. Under the new standards, in order to be considered well-capitalized, the Bank must have a common equity tier 1 ratio of 6.5% (new), a tier 1 ratio of 8.0% (increased from 6.0%), a total risk-based capital ratio of 10.0% (unchanged) and a leverage ratio of 5.0% (unchanged). The Bank meets all these new requirements, including the full capital conservation buffer. At December 31, 2015 and September 30, 2015, the Bank was well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since December 31, 2015, that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios as of December 31, 2015 and September 30, 2015 are presented in the following table: Actual For Capital To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk-weighted assets) $ 12,364 13.2 % > $ 7,522 > 8.0 % > $ 9,403 > 10.0 % Tier I capital (to risk-weighted assets) 11,189 11.9 % > 5,642 > 6.0 % > 7,522 > 8.0 % Common equity tier 1 capital (to risk-weighted assets) 11,189 11.9 % > 4,231 > 4.5 % > 6,112 > 6.5 % Tier I capital (to average assets) 11,189 8.2 % > 5,476 > 4.0 % > 6,846 > 5.0 % September 30, 2015 Total capital (to risk-weighted assets) $ 12,277 13.5 % > $ 7,275 > 8.0 % > $ 9,094 > 10.0 % Tier I capital (to risk-weighted assets) 11,136 12.2 % > 5,456 > 6.0 % > 7,275 > 8.0 % Common equity tier 1 capital (to risk-weighted assets) 11,136 12.2 % > 4,092 > 4.5 % > 5,911 > 6.5 % Tier I capital (to average assets) 11,136 8.3 % > 5,357 > 4.0 % > 6,697 > 5.0 % As a state-chartered savings bank, the Bank is required to maintain a minimum net worth ratio. The Bank’s actual and required net worth ratios are as follows: Actual Net Worth Required Net Worth Amount Ratio Amount Ratio December 31, 2015 $ 12,364 9.0 % $ 8,361 6.0 % September 30, 2015 12,277 9.2 8,012 6.0

Note 7 - Fair Value Measurement

Note 7 - Fair Value Measurements	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Fair Value, Measurement Inputs, Disclosure [Text Block]	Note 7 Fair Value Measurements Accounting standards describe three levels of inputs that may be used to measure fair value (the fair value hierarchy). The level of an asset or liability within the fair value hierarchy is based on the lowest level of input significant to the fair value measurement of that asset or liability. Following is a brief description of each level of the fair value hierarchy: Level 1 - Fair value measurement is based on quoted prices for identical assets or liabilities in active markets. Level 2 - Fair value measurement is based on: (1) quoted prices for similar assets or liabilities in active markets; (2) quoted prices for identical or similar assets or liabilities in markets that are not active; or (3) valuation models and methodologies for which all significant assumptions are or can be corroborated by observable market data. Level 3 - Fair value measurement is based on valuation models and methodologies that incorporate at least one significant assumption that cannot be corroborated by observable market data. Level 3 measurements reflect the Company’s estimates about assumptions market participants would use in measuring fair value of the asset or liability. Some assets and liabilities, such as securities available for sale, are measured at fair value on a recurring basis under accounting principles generally accepted in the United States. Other assets and liabilities, such as impaired loans, may be measured at fair value on a nonrecurring basis. Following is a description of the valuation methodology used for each asset measured at fair value on a recurring or nonrecurring basis, as well as the classification of the asset within the fair value hierarchy. Securities available for sale - Loans - Foreclosed assets - Information regarding the fair value of assets measured at fair value on a recurring basis as of December 31, 2015 and September 30, 2015 follows: Recurring Fair Value Measurements Using Assets Quoted Prices Significant Significant December 31, 2015 Assets - Securities available for sale $ 2,625 $ — $ 2,625 $ — September 30, 2015 Assets - Securities available for sale $ 2,765 $ — $ 2.765 $ — Information regarding the fair value of assets measured at fair value on a nonrecurring basis as of December 31, 2015 and September 30, 2015 follows: Nonrecurring Fair Value Measurements Using Assets Quoted Prices Significant Significant December 31, 2015 Loans $ 279 $ — $ — $ 279 Totals $ 279 $ — $ — $ 279 September 30, 2015 Loans $ 431 $ — $ — $ 431 Foreclosed assets 260 — — 260 Totals $ 691 $ — $ — $ 691 Loans with a carrying amount of $482 and $607 were considered impaired and were written down to their estimated fair value of $279 and $431 as of December 31, 2015 and September 30, 2015, respectively. As a result, the Company recognized a specific valuation allowance against these impaired loans totaling $202 and $176 during the three months ended December 31, 2015 and the year ended September 30, 2015, respectively. The loans were valued based on the value of the underlying collateral, adjusted for selling costs. The fair value of collateral is determined based on appraisals, broker price opinions, or automated valuation models. In some cases, adjustments were made to these values due to various factors including age of the appraisal, age of the comparable and other known changes in the market and in the collateral. When significant adjustments were based on unobservable inputs, the resulting fair value measurement has been categorized as a Level 3 measurement. At December 31, 2015 and September 30, 2015, foreclosed assets with a fair value less estimated costs to sell of $0 and $260, respectively, were acquired through or in lieu of foreclosure. The fair value of foreclosed assets is determined based on appraisals, broker price opinions, or automated valuation models. In some cases, adjustments were made to these values due to various factors including age of the appraisal, age of the comparable and other known changes in the market and in the collateral. When significant adjustments were based on unobservable inputs, the resulting fair value measurement has been categorized as a Level 3 measurement. The Company estimates fair value of all financial instruments regardless of whether such instruments are measured at fair value. The following methods and assumptions were used by the Company to estimate fair value of financial instruments not previously discussed. Cash and cash equivalents - Other interest-bearing deposits - Securities held to maturity - Loans held for sale - Loans - Federal Home Loan Bank stock - Accrued interest receivable and payable - Cash value of life insurance - Deposits and advance payments by borrowers for taxes and insurance - Federal funds purchased - Borrowed funds - Off-balance-sheet instruments - The carrying value and estimated fair value of financial instruments at December 31, 2015 and September 30, 2015 follow: December 31, 2015 Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 5,253 $ 5,253 $ — $ — Other interest-bearing deposits 5,011 — — 5,030 Securities available for sale 2,637 — 2,637 — Securities held to maturity 2,729 — 2,764 — Loans held for sale 1,185 — 1,185 — Loans 112,497 — — 111,188 Accrued interest receivable 392 392 — — Cash value of life insurance 3,335 — — 3,335 Federal Home Loan Bank stock 646 — — 646 Financial liabilities: Deposits $ 111,501 $ 78,957 $ — $ 32,656 Advance payments by borrowers for taxes and insurance 387 387 — — Federal funds purchased 517 517 — — Borrowed funds 12,960 — — 13,272 Accrued interest payable 55 55 — — September 30, 2015 Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 2,533 $ 2,533 $ — $ — Other interest-bearing deposits 5,011 — — 5,037 Securities available for sale 2,765 — 2,765 — Securities held to maturity 2,870 — 2,933 — Loans held for sale 151 — 151 — Loans 109,860 — — 108,713 Accrued interest receivable 395 395 — — Cash value of life insurance 3,316 — — 3,316 Federal Home Loan Bank stock 646 — — 646 Financial liabilities: Deposits $ 105,720 $ 73,160 $ — $ 32,787 Advance payments by borrowers for taxes and insurance 793 793 — — Federal funds purchased 616 616 — — Borrowed funds 13,005 — — 13,475 Accrued interest payable 55 55 — — Limitations - Fair value estimates are made at a specific point in time based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters that could affect the estimates. Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business. Deposits with no stated maturities are defined as having a fair value equivalent to the amount payable on demand. This prohibits adjusting fair value derived from retaining those deposits for an expected future period of time. This component, commonly referred to as a deposit base intangible, is neither considered in the above amounts, nor is it recorded as an intangible asset on the consolidated balance sheets. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Note 8 - Employee Stock Ownersh

Note 8 - Employee Stock Ownership Plan	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Note 8 Employee Stock Ownership Plan The Company maintains a leveraged employee stock ownership plan (“ESOP”) that covers substantially all employees. The ESOP was established in conjunction with the Company’s stock offering completed in April 2014. The loan to fund the acquisition of stock by the ESOP was made by the Company. The Bank makes annual contributions to the ESOP equal to the ESOP’s debt service. The ESOP shares initially were pledged as collateral for this debt. As the debt is repaid, shares are released from collateral and allocated to active participants, based on the proportion of debt service paid in the year. Because the debt is intercompany, it is eliminated in consolidation for presentation in these financial statements. The shares pledged as collateral are reported as unearned ESOP shares in the balance sheet. As shares are committed to be released from collateral and allocated to active participants, the Company reports compensation expense equal to the current market price of the shares and the shares will become outstanding for earnings-per-shares (EPS) computations. During the three months ended December 31, 2015, 719 shares, with an average fair value of $7.93 per share, were committed to be released resulting in ESOP compensation expense of $6 for the three months ended December 31, 2015. During the three months ended December 31, 2014 the 719 shares committed to be released were released, along with the 2,158 shares previously committed to be released, to total 2,877 shares released. ESOP compensation expense of $7 was recorded for the three months ended December 31, 2014. The ESOP shares as of December 31, 2015 and September 30, 2015 were as follows: December 31, September 30, Allocated shares 2,877 2,877 Shares committed to be released and allocated to participants 2,877 2,158 Total unallocated shares 66,181 66,900 Total ESOP shares 71,935 71,935

Note 9 - Subsequent Events

Note 9 - Subsequent Events	3 Months Ended
	Dec. 31, 2015
Notes to Financial Statements
Subsequent Events [Text Block]	Note 9 Subsequent Events Management has reviewed operations for potential disclosure of information or financial statement impacts related to events occurring after December 31, 2015 but prior to the release of these financial statements. Based on the results of this review, no additional subsequent events disclosures or financial statement impacts to the recently completed quarter are required as of the release date.

Note 3 - Earnings per Share (Ta

Note 3 - Earnings per Share (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	2015 2014 Net income (loss) $ 52 $ (181 ) Basic potential common shares: Weighted average shares outstanding 899,190 899,190 Weighted average unallocated Employee Stock Ownership Plan shares (66,540 ) (69,754 ) Basic weighted average shares outstanding 832,650 829,436 Dilutive potential common shares — — Dilutive weighted average shares outstanding 832,650 829,436 Basic earnings per share $ .06 $ (.22 ) Diluted earnings per share $ .06 $ (.22 )

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Marketable Securities [Table Text Block]	Amortized Gross Gross Estimated December 31, 2015 Securities available for sale: U.S. agency pass-through $ 2,629 $ 4 $ 8 $ 2,625 Securities held to maturity: U.S. agency pass-through $ 2,729 $ 35 — $ 2,764 September 30, 2015 Securities available for sale: U.S. agency pass-through $ 2,738 $ 27 $ — $ 2,765 Securities held to maturity: U.S. agency pass-through $ 2,870 $ 63 $ — $ 2,933

Note 5 - Loans (Tables)

Note 5 - Loans (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Loan Portfolio [Table Text Block]	December 31, September 30, Commercial: Commercial business $ 2,124 $ 2,182 Commercial real estate 19,502 19,595 Multifamily real estate 27,076 25,224 Construction 5,050 5,179 Residential real estate: One- to four-family residential 49,249 48,284 Second mortgage 9,097 9,668 Consumer 2,276 2,311 Subtotals 114,374 112,443 Allowance for loan losses (1,482 ) (1,478 ) Net deferred loan expenses (65 ) (51 ) Undisbursed loan proceeds (330 ) (1,054 ) Loans, net $ 112,497 $ 109,860
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Commercial Residential Consumer Totals Balance at September 30, 2014 $ 877 $ 504 $ 22 $ 1,403 Provision for loan losses 96 (68 ) 2 30 Loans charged off — — (5 ) (5 ) Recoveries of loans previously charged off — — 1 1 Balance at December 31, 2014 $ 973 $ 436 $ 20 $ 1,429 Balance at September 30, 2015 $ 930 $ 522 $ 26 $ 1,478 Provision for loan losses (72 ) 75 2 5 Loans charged off — — (3 ) (3 ) Recoveries of loans previously charged off — — 2 2 Balance at December 31, 2015 $ 858 $ 597 $ 27 $ 1,482 Allowance for loan losses at December 31, 2015: Individually evaluated for impairment $ 171 $ 31 $ — $ 202 Collectively evaluated for impairment 687 566 27 1,280 Totals $ 858 $ 597 $ 27 $ 1,482 Allowance for loan losses at September 30, 2015: Individually evaluated for impairment $ 142 $ 34 $ — $ 176 Collectively evaluated for impairment 788 488 26 1,302 Totals $ 930 $ 522 $ 26 $ 1,478
Schedule of Loans Class, Individually and Collectively Evaluated for Impairment [Table Text Block]	Commercial Residential Consumer Totals Loans at December 31, 2015: Individually evaluated for impairment $ 832 $ 786 $ — $ 1,618 Collectively evaluated for impairment 52,920 57,560 2,276 112,756 Totals $ 53,752 $ 58,346 $ 2,276 $ 114,374 Loans at September 30, 2015: Individually evaluated for impairment $ 847 $ 845 $ — $ 1,692 Collectively evaluated for impairment 51,333 57,107 2,311 110,751 Totals $ 52,180 $ 57,952 $ 2,311 $ 112,443
Impaired Financing Receivables [Table Text Block]	Recorded Principal Related Average Interest Loans with no related allowance for loan losses: Commercial real estate $ 518 $ 518 N/A $ 525 $ 8 One-to four-family 618 618 N/A 619 9 Totals 1,136 1,136 N/A 1,144 17 Loans with an allowance for loan losses: Commercial business 238 238 163 238 $ 1 Construction 76 76 8 76 1 One-to four-family 168 168 31 169 1 Totals 482 482 202 483 3 Grand totals $ 1,618 $ 1,618 $ 202 $ 1,627 $ 20 Recorded Principal Related Average Interest Loans with no related allowance for loan losses: Commercial business $ 80 $ 800 N/A $ 81 $ — Commercial real estate 532 532 N/A 553 33 One-to four-family 473 473 N/A 470 30 Totals 1,085 1,085 N/A 1,104 63 Loans with an allowance for loan losses: Commercial business 158 158 129 159 — Construction 77 77 13 77 4 One-to four-family 372 372 34 375 22 Totals 607 607 176 611 26 Grand totals $ 1,692 $ 1,692 $ 176 $ 1,715 $ 89
Financing Receivable Credit Quality Indicators [Table Text Block]	Pass Special Substandard Doubtful Totals December 31, 2015 Commercial business $ 1,886 $ — $ 238 $ — $ 2,124 Commercial real estate 17,996 988 518 — 19,502 Multifamily real estate 16,854 222 — — 27,076 Construction 4,974 76 — — 5,050 Totals $ 51,710 $ 1,286 $ 756 $ — $ 53,752 September 30, 2015 Commercial business $ 1,944 $ — $ 238 $ — $ 2,182 Commercial real estate 17,990 1,073 532 — 19,595 Multifamily real estate 25,002 222 — — 25,224 Construction 5,103 76 — — 5,179 Totals $ 50,039 $ 1,371 $ 770 $ — $ 52,180
Financing Receivable Performing and Non Performing [Table Text Block]	Performing Non- Totals December 31, 2015 One- to four-family $ 49,216 $ 33 $ 49,249 Second mortgage 9,081 16 9,097 Consumer 2,268 8 2,276 Totals $ 60,565 $ 57 $ 60,622 September 30, 2015 One- to four-family $ 48,284 $ — $ 48,284 Second mortgage 9,652 16 9,668 Consumer 2,303 8 2,311 Totals $ 60,239 $ 24 $ 60,263
Past Due Financing Receivables [Table Text Block]	Loans Past Loans Past Total Past Commercial business $ — $ 80 $ 80 Commercial real estate — 62 62 Multifamily real estate — — — Construction — — — One- to four-family 224 33 257 Second mortgage 58 16 74 Consumer 11 8 19 Totals $ 293 $ 199 $ 492 Total Past Total Current Total Loans Loans 90+ Total Commercial business $ 80 $ 2,044 $ 2,124 $ — $ 80 Commercial real estate 62 19,440 19,502 — 62 Multifamily real estate — 27,076 27,076 — — Construction — 5,050 5,050 — — One- to four-family 257 48,992 49,249 — 33 Second mortgage 74 9,023 9,097 — 16 Consumer 19 2,257 2,276 — 8 Totals $ 492 $ 113,882 $ 114,374 $ — $ 199 Loans Past Loans Past Total Past Commercial business $ — $ 80 $ 80 Commercial real estate — 62 62 Multifamily real estate — — — Construction — — — One- to four-family 487 — 487 Second mortgage 46 16 62 Consumer 3 8 11 Totals $ 536 $ 166 $ 702 Total Past Total Current Total Loans Loans 90+ Total Commercial business $ 80 $ 2,102 $ 2,182 $ — $ 80 Commercial real estate 62 19,533 19,595 — 62 Multifamily real estate — 25,224 25,224 — — Construction — 5,179 5,179 — — One- to four-family 487 47,797 48,284 — — Second mortgage 62 9,606 9,668 — 16 Consumer 11 2,300 2,311 — 8 Totals $ 702 $ 111,741 $ 112,443 $ — $ 166

Note 6 - Regulatory Capital R21

Note 6 - Regulatory Capital Ratios (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual For Capital To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk-weighted assets) $ 12,364 13.2 % > $ 7,522 > 8.0 % > $ 9,403 > 10.0 % Tier I capital (to risk-weighted assets) 11,189 11.9 % > 5,642 > 6.0 % > 7,522 > 8.0 % Common equity tier 1 capital (to risk-weighted assets) 11,189 11.9 % > 4,231 > 4.5 % > 6,112 > 6.5 % Tier I capital (to average assets) 11,189 8.2 % > 5,476 > 4.0 % > 6,846 > 5.0 % September 30, 2015 Total capital (to risk-weighted assets) $ 12,277 13.5 % > $ 7,275 > 8.0 % > $ 9,094 > 10.0 % Tier I capital (to risk-weighted assets) 11,136 12.2 % > 5,456 > 6.0 % > 7,275 > 8.0 % Common equity tier 1 capital (to risk-weighted assets) 11,136 12.2 % > 4,092 > 4.5 % > 5,911 > 6.5 % Tier I capital (to average assets) 11,136 8.3 % > 5,357 > 4.0 % > 6,697 > 5.0 %
Schedule of Compliance with Regulatory Capital Requirements for Mortgage Companies [Table Text Block]	Actual Net Worth Required Net Worth Amount Ratio Amount Ratio December 31, 2015 $ 12,364 9.0 % $ 8,361 6.0 % September 30, 2015 12,277 9.2 8,012 6.0

Note 7 - Fair Value Measureme22

Note 7 - Fair Value Measurements (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Recurring Fair Value Measurements Using Assets Quoted Prices Significant Significant December 31, 2015 Assets - Securities available for sale $ 2,625 $ — $ 2,625 $ — September 30, 2015 Assets - Securities available for sale $ 2,765 $ — $ 2.765 $ —
Fair Value Measurements, Nonrecurring [Table Text Block]	Nonrecurring Fair Value Measurements Using Assets Quoted Prices Significant Significant December 31, 2015 Loans $ 279 $ — $ — $ 279 Totals $ 279 $ — $ — $ 279 September 30, 2015 Loans $ 431 $ — $ — $ 431 Foreclosed assets 260 — — 260 Totals $ 691 $ — $ — $ 691
Fair Value, by Balance Sheet Grouping [Table Text Block]	December 31, 2015 Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 5,253 $ 5,253 $ — $ — Other interest-bearing deposits 5,011 — — 5,030 Securities available for sale 2,637 — 2,637 — Securities held to maturity 2,729 — 2,764 — Loans held for sale 1,185 — 1,185 — Loans 112,497 — — 111,188 Accrued interest receivable 392 392 — — Cash value of life insurance 3,335 — — 3,335 Federal Home Loan Bank stock 646 — — 646 Financial liabilities: Deposits $ 111,501 $ 78,957 $ — $ 32,656 Advance payments by borrowers for taxes and insurance 387 387 — — Federal funds purchased 517 517 — — Borrowed funds 12,960 — — 13,272 Accrued interest payable 55 55 — — September 30, 2015 Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 2,533 $ 2,533 $ — $ — Other interest-bearing deposits 5,011 — — 5,037 Securities available for sale 2,765 — 2,765 — Securities held to maturity 2,870 — 2,933 — Loans held for sale 151 — 151 — Loans 109,860 — — 108,713 Accrued interest receivable 395 395 — — Cash value of life insurance 3,316 — — 3,316 Federal Home Loan Bank stock 646 — — 646 Financial liabilities: Deposits $ 105,720 $ 73,160 $ — $ 32,787 Advance payments by borrowers for taxes and insurance 793 793 — — Federal funds purchased 616 616 — — Borrowed funds 13,005 — — 13,475 Accrued interest payable 55 55 — —

Note 8 - Employee Stock Owner23

Note 8 - Employee Stock Ownership Plan (Tables)	3 Months Ended
	Dec. 31, 2015
Notes Tables
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	December 31, September 30, Allocated shares 2,877 2,877 Shares committed to be released and allocated to participants 2,877 2,158 Total unallocated shares 66,181 66,900 Total ESOP shares 71,935 71,935

Note 2 - New Accounting Prono24

Note 2 - New Accounting Pronouncements (Details Textual) $ in Thousands	3 Months Ended
	Dec. 31, 2015USD ($)
New Accounting Pronouncement, Early Adoption, Effect [Member]
Adoption of Standard Reduced Other Assets and Time Deposit	$ 27

Note 3 - Earnings Per Share - E

Note 3 - Earnings Per Share - Earnings Per Share Calculations (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Net loss	$ 52	$ (181)
Basic potential common shares:
Weighted average shares outstanding (in shares)	899,190	899,190
Weighted average unallocated Employee Stock Ownership Plan shares (in shares)	66,540	69,754
Basic weighted average shares outstanding (in shares)	832,650	829,436
Dilutive potential common shares (in shares)	0	0
Dilutive weighted average shares outstanding (in shares)	832,650	829,436
Basic earnings per share (in dollars per share)	$ 0.06	$ (0.22)
Diluted earnings per share (in dollars per share)	$ 0.06	$ (0.22)

Note 4 - Securities - Amortized

Note 4 - Securities - Amortized Cost and Estimated Fair Value of Securities (Details) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
U.S. Agency Pass-through [Member]
Securities available for sale, Amortized cost	$ 2,629,000	$ 2,738,000
Securities available for sale, Gross unrealized gains	4,000	$ 27,000
Securities available for sale, Gross unrealized losses	8,000
Securities available for sale	2,625,000	$ 2,765,000
Securities held to maturity, Amortized cost	2,729,000	2,870,000
Securities held to maturity, Gross unrealized gains	$ 35,000	$ 63,000
Securities held to maturity, Gross unrealized losses
Securities held to maturity, fair value	$ 2,764,000	$ 2,933,000
Securities available for sale	2,637,000	2,765,000
Securities held to maturity, Amortized cost	2,729,000	2,870,000
Securities held to maturity, fair value	$ 2,764,000	$ 2,933,000

Note 5 - Loans (Details Textual

Note 5 - Loans (Details Textual) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2015	Jun. 30, 2015	Sep. 30, 2015USD ($)
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member]
Financing Receivable, Modifications, Number of Contracts			2
Financing Receivable, Modifications, Recorded Investment			$ 262
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Financing Receivable, Modifications, Recorded Investment			$ 159
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0		1
Financing Receivable, Modifications, Number of Contracts	0		3

Note 5 - Loans - Total Loans by

Note 5 - Loans - Total Loans by Portfolio Segment and Class of Loan (Details) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Commercial Portfolio Segment [Member] | Commercial Business Loans [Member]
Total Loans	$ 2,124,000	$ 2,182,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Total Loans	19,502,000	19,595,000
Commercial Portfolio Segment [Member] | Multi Family Real Estate [Member]
Total Loans	27,076,000	25,224,000
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Total Loans	5,050,000	5,179,000
Commercial Portfolio Segment [Member]
Total Loans	53,752,000	52,180,000
Allowance for loan losses	(858,000)	(930,000)
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member]
Total Loans	49,249,000	48,284,000
Residential Portfolio Segment [Member] | Second Mortgage Loan [Member]
Total Loans	9,097,000	9,668,000
Residential Portfolio Segment [Member]
Total Loans	58,346,000	57,952,000
Allowance for loan losses	(597,000)	(522,000)
Consumer Portfolio Segment [Member]
Total Loans	2,276,000	2,311,000
Allowance for loan losses	(27,000)	(26,000)
Total Loans	114,374,000	112,443,000
Allowance for loan losses	(1,482,000)	(1,478,000)
Net deferred loan expenses	(65,000)	(51,000)
Undisbursed loan proceeds	(330,000)	(1,054,000)
Loans, net	$ 112,497,000	$ 109,860,000

Note 5 - Loans - Analysis of Al

Note 5 - Loans - Analysis of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Sep. 30, 2015
Commercial Portfolio Segment [Member]
Beginning balance	$ 930	$ 877
Provision for loan losses	$ (72)	$ 96
Loans charged off
Recoveries of loans previously charged off
Ending balance	$ 858	$ 973
Allowance for loan losses
Individually evaluated for impairment	171		$ 142
Collectively evaluated for impairment	687		788
Totals	858		930
Residential Portfolio Segment [Member]
Beginning balance	522	504
Provision for loan losses	$ 75	$ (68)
Loans charged off
Recoveries of loans previously charged off
Ending balance	$ 597	$ 436
Allowance for loan losses
Individually evaluated for impairment	31		34
Collectively evaluated for impairment	566		488
Totals	597		$ 522
Consumer Portfolio Segment [Member]
Beginning balance	26	22
Provision for loan losses	2	2
Loans charged off	(3)	(5)
Recoveries of loans previously charged off	2	1
Ending balance	$ 27	20
Allowance for loan losses
Individually evaluated for impairment
Collectively evaluated for impairment	$ 27		$ 26
Totals	27		26
Beginning balance	1,478	1,403
Provision for loan losses	5	30
Loans charged off	(3)	(5)
Recoveries of loans previously charged off	2	1
Ending balance	1,482	$ 1,429
Individually evaluated for impairment	202		176
Collectively evaluated for impairment	1,280		1,302
Totals	$ 1,482		$ 1,478

Note 5 - Loans - Analysis of Lo

Note 5 - Loans - Analysis of Loans Evaluated for Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Commercial Portfolio Segment [Member]
Loans
Individually evaluated for impairment	$ 832	$ 847
Collectively evaluated for impairment	52,920	51,333
Totals	53,752	52,180
Residential Portfolio Segment [Member]
Loans
Individually evaluated for impairment	786	845
Collectively evaluated for impairment	57,560	57,107
Totals	$ 58,346	$ 57,952
Consumer Portfolio Segment [Member]
Loans
Individually evaluated for impairment
Collectively evaluated for impairment	$ 2,276	$ 2,311
Totals	2,276	2,311
Individually evaluated for impairment	1,618	1,692
Collectively evaluated for impairment	112,756	110,751
Totals	$ 114,374	$ 112,443

Note 5 - Loans - Impaired Loans

Note 5 - Loans - Impaired Loans (Details) - USD ($)	3 Months Ended	12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans with no related allowance for loan losses, Recorded Investment	$ 518,000	$ 532,000
Loans with no related allowance for loan losses, Principal Balance	518,000	532,000
Loans with no related allowance for loan losses, Average Investment	525,000	553,000
Loans with no related allowance for loan losses, Interest Recognized	8,000	33,000
Commercial Portfolio Segment [Member] | Commercial Business Loans [Member]
Loans with no related allowance for loan losses, Recorded Investment		80,000
Loans with no related allowance for loan losses, Principal Balance		800,000
Loans with no related allowance for loan losses, Average Investment		81,000
Loans with an allowance for loan losses, Recorded Investment	238,000	158,000
Loans with an allowance for loan losses, Principal Balance	238,000	158,000
Grand totals, Related Allowance	163,000	129,000
Loans with an allowance for loan losses, Average Investment	238	159,000
Loans with an allowance for loan losses, Interest Recognized	1
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans with no related allowance for loan losses, Recorded Investment	76,000
Loans with an allowance for loan losses, Recorded Investment		77,000
Loans with an allowance for loan losses, Principal Balance	76,000	77,000
Loans with an allowance for loan losses, Average Investment	76,000	77,000
Loans with an allowance for loan losses, Interest Recognized	1,000	4,000
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member]
Loans with no related allowance for loan losses, Recorded Investment	618,000	473,000
Loans with no related allowance for loan losses, Principal Balance	618,000	473,000
Loans with no related allowance for loan losses, Average Investment	619,000	470,000
Loans with no related allowance for loan losses, Interest Recognized	9,000	30,000
Loans with an allowance for loan losses, Recorded Investment	168,000	372,000
Loans with an allowance for loan losses, Principal Balance	168,000
Grand totals, Related Allowance	31,000	34,000
Loans with an allowance for loan losses, Average Investment	169,000	375,000
Loans with an allowance for loan losses, Interest Recognized	1,000	22,000
Commercial Real Estate Portfolio Segment [Member] | One-to-four-family Residential [Member]
Loans with an allowance for loan losses, Principal Balance		372,000
Construction Loans [Member]
Grand totals, Related Allowance	8,000	13,000
Loans with no related allowance for loan losses, Recorded Investment	1,136,000	1,085,000
Loans with no related allowance for loan losses, Principal Balance	1,136,000	1,085,000
Loans with no related allowance for loan losses, Average Investment	1,144,000	1,104,000
Loans with no related allowance for loan losses, Interest Recognized	17,000	63,000
Loans with an allowance for loan losses, Recorded Investment	482,000	607,000
Loans with an allowance for loan losses, Principal Balance	482,000	607,000
Grand totals, Related Allowance	202,000	176,000
Loans with an allowance for loan losses, Average Investment	483,000	611,000
Loans with an allowance for loan losses, Interest Recognized	3,000	26,000
Grand totals, Recorded Investment	1,618,000	1,692,000
Grand totals, Principal Balance	1,618,000	1,692,000
Grand totals, Average Investment	1,627,000	1,715,000
Grand totals, Interest Recognized	$ 20,000	$ 89,000

Note 5 - Loans - Credit Quality

Note 5 - Loans - Credit Quality Indicators for Commercial Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Commercial Business Loans [Member] | Commercial Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Commercial	$ 1,886	$ 1,944
Commercial Business Loans [Member] | Commercial Portfolio Segment [Member] | Substandard [Member]
Loans and Leases Receivable, Commercial	238	238
Commercial Business Loans [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Commercial	2,124	2,182
Real Estate Loan [Member] | Commercial Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Commercial	17,996	17,990
Real Estate Loan [Member] | Commercial Portfolio Segment [Member] | Substandard [Member]
Loans and Leases Receivable, Commercial	518	532
Real Estate Loan [Member] | Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and Leases Receivable, Commercial	988	1,073
Real Estate Loan [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Commercial	19,502	19,595
Multi Family Real Estate [Member] | Commercial Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Commercial	16,854	25,002
Multi Family Real Estate [Member] | Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and Leases Receivable, Commercial	222	222
Multi Family Real Estate [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Commercial	27,076	25,224
Construction Loans [Member] | Commercial Portfolio Segment [Member] | Pass [Member]
Loans and Leases Receivable, Commercial	4,974	5,103
Construction Loans [Member] | Commercial Portfolio Segment [Member] | Special Mention [Member]
Loans and Leases Receivable, Commercial	76	76
Construction Loans [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Commercial	5,050	5,179
Pass [Member]
Loans and Leases Receivable, Commercial	51,710	50,039
Substandard [Member]
Loans and Leases Receivable, Commercial	756	770
Special Mention [Member]
Loans and Leases Receivable, Commercial	1,286	1,371
Loans and Leases Receivable, Commercial	$ 53,752	$ 52,180

Note 5 - Loans - Credit Quali33

Note 5 - Loans - Credit Quality Indicators for Residential Real Estate and Consumer Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Performing Financial Instruments [Member] | Residential Real Estate Loans [Member] | One-to-four-family Residential [Member]
Recorded Investment	$ 49,216	$ 48,284
Performing Financial Instruments [Member] | Residential Real Estate Loans [Member] | Second Mortgage Loan [Member]
Recorded Investment	9,081	9,652
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Recorded Investment	2,268	2,303
Performing Financial Instruments [Member] | Residential Real Estate and Consumer Loans [Member]
Recorded Investment	60,565	$ 60,239
Nonperforming Financial Instruments [Member] | Residential Real Estate Loans [Member] | One-to-four-family Residential [Member]
Recorded Investment	33
Nonperforming Financial Instruments [Member] | Residential Real Estate Loans [Member] | Second Mortgage Loan [Member]
Recorded Investment	16	$ 16
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member]
Recorded Investment	8	8
Nonperforming Financial Instruments [Member] | Residential Real Estate and Consumer Loans [Member]
Recorded Investment	57	24
Residential Real Estate Loans [Member] | One-to-four-family Residential [Member]
Recorded Investment	49,249	48,284
Residential Real Estate Loans [Member] | Second Mortgage Loan [Member]
Recorded Investment	9,097	9,668
Consumer Portfolio Segment [Member]
Recorded Investment	2,276	2,311
Residential Real Estate and Consumer Loans [Member]
Recorded Investment	60,622	60,263
Recorded Investment	$ 114,374	$ 112,443

Note 5 - Loans - Loan Aging Inf

Note 5 - Loans - Loan Aging Information (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Commercial Portfolio Segment [Member] | Commercial Business Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Total Past Due Loans
Commercial Portfolio Segment [Member] | Commercial Business Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	$ 80	$ 80
Commercial Portfolio Segment [Member] | Commercial Business Loans [Member]
Total Past Due Loans	80	80
Total Current Loans	2,044	2,102
Total Loans	2,124	2,182
Total Nonaccrual Loans	80	80
Total Loans	2,124	2,182
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	62	62
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Total Past Due Loans	62	62
Total Current Loans	19,440	19,533
Total Loans	19,502	19,595
Total Nonaccrual Loans	62	62
Total Loans	19,502	19,595
Commercial Portfolio Segment [Member] | Multi Family Real Estate [Member]
Total Current Loans	27,076	25,224
Total Loans	27,076	25,224
Total Loans	27,076	25,224
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Total Current Loans	5,050	5,179
Total Loans	5,050	5,179
Total Loans	5,050	5,179
Commercial Portfolio Segment [Member]
Total Loans	53,752	52,180
Total Loans	53,752	52,180
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Total Past Due Loans	224	487
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	33
Residential Portfolio Segment [Member] | One-to-four-family Residential [Member]
Total Past Due Loans	257	487
Total Current Loans	48,992	47,797
Total Loans	49,249	48,284
Total Nonaccrual Loans	33
Total Loans	49,249	48,284
Residential Portfolio Segment [Member] | Second Mortgage Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Total Past Due Loans	58	46
Residential Portfolio Segment [Member] | Second Mortgage Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	16	16
Residential Portfolio Segment [Member] | Second Mortgage Loan [Member]
Total Past Due Loans	74	62
Total Current Loans	9,023	9,606
Total Loans	9,097	9,668
Total Nonaccrual Loans	16	16
Total Loans	9,097	9,668
Residential Portfolio Segment [Member]
Total Loans	58,346	57,952
Total Loans	58,346	57,952
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Total Past Due Loans	11	3
Consumer Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	8	8
Consumer Portfolio Segment [Member]
Total Past Due Loans	19	11
Total Current Loans	2,257	2,300
Total Loans	2,276	2,311
Total Nonaccrual Loans	8	8
Total Loans	2,276	2,311
Financing Receivables, 30 to 89 Days Past Due [Member]
Total Past Due Loans	293	536
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total Past Due Loans	199	166
Total Past Due Loans	492	702
Total Current Loans	113,882	111,741
Total Loans	114,374	112,443
Total Nonaccrual Loans	199	166
Total Loans	$ 114,374	$ 112,443

Note 6 - Regulatory Capital R35

Note 6 - Regulatory Capital Ratios (Details Textual)	Dec. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%
Risk Weighted Assets, High Volatility Loans	150.00%		100.00%
Risk Weighted Assets Credit Conversion Factor	20.00%		0.00%
Risk Weighed Assets, Mortgage Servicing and Deferred Tax Assets	250.00%		100.00%
Risk Weighted Assets, Equity Exposures	600.00%		0.00%
Additional Common Equity Tier One Capital Ratio, Full Implementation	2.50%
Additional Common Equity Tier One Capital Ratio, Initial Phase	0.635%
Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%	6.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%

Note 6 - Regulatory Capital R36

Note 6 - Regulatory Capital Ratios - Bank's Actual Capital Amounts and Ratios (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Minimum [Member]
Total capital (to risk-weighted assets), actual ratio	13.20%	13.50%
Total capital (to risk-weighted assets), for capital adequacy purpose amount	$ 7,522	$ 7,275
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%	8.00%
Total capital (to risk-weighted assets), to be well capitalized under prompt corrective action provisions amount	$ 9,403	$ 9,094
Tier I capital (to risk-weighted assets), actual ratio	11.90%	12.20%
Tier I capital (to risk-weighted assets), for capital adequacy purpose amount	$ 5,642	$ 5,456
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%	6.00%
Tier I capital (to risk-weighted assets), to be well capitalized under prompt corrective action provisions amount	$ 7,522	$ 7,275
Tier I capital (to average assets), actual ratio	8.20%	8.30%
Tier I capital (to average assets), for capital adequacy purpose amount	$ 5,476	$ 5,357
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier I capital (to average assets), to be well capitalized under prompt corrective action provisions amount	$ 6,846	$ 6,697
Total capital (to risk-weighted assets), actual amount	$ 12,364	$ 12,277
Capital Required for Capital Adequacy to Risk Weighted Assets	8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier I capital (to risk-weighted assets), actual amount	$ 11,189	$ 11,136
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Common equity tier 1 capital (to risk-weighted assets)	$ 11,189	$ 11,136
Common equity tier 1 capital (to risk-weighted assets)	11.90%	12.20%
Common equity tier 1 capital (to risk-weighted assets)	$ 4,231	$ 4,092
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Common equity tier 1 capital (to risk-weighted assets)	$ 6,112	$ 5,911
Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier I capital (to average assets), actual amount	$ 11,189	$ 11,136
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%

Note 6 - Regulatory Capital R37

Note 6 - Regulatory Capital Ratios - Bank's Actual and Required Net Worth Ratios (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Sep. 30, 2015
Actual Net Worth, Amount	$ 12,364	$ 12,277
Actual Net Worth, Ratio	9.00%	9.20%
Required Net Worth, Amount	$ 8,361	$ 8,012
Required Net Worth, Ratio	6.00%	6.00%

Note 7 - Fair Value Measureme38

Note 7 - Fair Value Measurements (Details Textual) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Loans Receivable [Member]
Assets, Fair Value Disclosure, Nonrecurring	$ 279,000	$ 431,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment	482,000	607,000
Assets, Fair Value Disclosure, Nonrecurring	279,000	691,000
Impaired Financing Receivable, Related Allowance	202,000	176,000
Repossessed Assets	$ 0	$ 260,000

Note 7 - Fair Value Measureme39

Note 7 - Fair Value Measurements - Fair Value of Assets Measured at Fair Value on a Recurring Basis (Details) - Available-for-sale Securities [Member] - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Fair Value, Inputs, Level 2 [Member]
Assets - Securities available for sale	$ 2,625,000	$ 2,765
Assets - Securities available for sale	$ 2,625,000	$ 2,765,000

Note 7 - Fair Value Measureme40

Note 7 - Fair Value Measurements - Fair Value of Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Loans Receivable [Member] | Fair Value, Inputs, Level 1 [Member]
Nonrecurring fair value measurements
Loans Receivable [Member] | Fair Value, Inputs, Level 2 [Member]
Nonrecurring fair value measurements
Loans Receivable [Member] | Fair Value, Inputs, Level 3 [Member]
Nonrecurring fair value measurements	$ 279,000	$ 431,000
Loans Receivable [Member]
Nonrecurring fair value measurements	$ 279,000	$ 431,000
Foreclosed Assets [Member] | Fair Value, Inputs, Level 1 [Member]
Nonrecurring fair value measurements
Foreclosed Assets [Member] | Fair Value, Inputs, Level 2 [Member]
Nonrecurring fair value measurements
Foreclosed Assets [Member] | Fair Value, Inputs, Level 3 [Member]
Nonrecurring fair value measurements		$ 260,000
Foreclosed Assets [Member]
Nonrecurring fair value measurements		$ 260,000
Fair Value, Inputs, Level 1 [Member]
Nonrecurring fair value measurements
Fair Value, Inputs, Level 2 [Member]
Nonrecurring fair value measurements
Fair Value, Inputs, Level 3 [Member]
Nonrecurring fair value measurements	$ 279,000	$ 691,000
Nonrecurring fair value measurements	$ 279,000	$ 691,000

Note 7 - Fair Value Measureme41

Note 7 - Fair Value Measurements - Carrying Value and Estimated Fair Value of Financial Instruments (Details) - USD ($)	Dec. 31, 2015	Sep. 30, 2015
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	$ 5,253,000	$ 2,533,000
Other interest-bearing deposits
Securities available for sale
Securities held to maturity
Loans held for sale
Loans
Accrued interest receivable	$ 392,000	$ 395,000
Cash value of life insurance
Federal Home Loan Bank stock
Financial liabilities:
Deposits	$ 78,957,000	$ 73,160,000
Advance payments by borrowers for taxes and insurance	387,000	793,000
Federal funds purchased	$ 517,000	$ 616,000
Borrowed funds
Accrued interest payable	$ 55,000	$ 55,000
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Cash and cash equivalents
Other interest-bearing deposits
Securities available for sale	$ 2,637,000	$ 2,765,000
Securities held to maturity	2,764,000	2,933,000
Loans held for sale	$ 1,185,000	$ 151,000
Loans
Accrued interest receivable
Cash value of life insurance
Federal Home Loan Bank stock
Financial liabilities:
Deposits
Advance payments by borrowers for taxes and insurance
Federal funds purchased
Borrowed funds
Accrued interest payable
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Cash and cash equivalents
Other interest-bearing deposits	$ 5,030,000	$ 5,037,000
Securities available for sale
Securities held to maturity
Loans held for sale
Loans	$ 111,188,000	$ 108,713,000
Accrued interest receivable
Cash value of life insurance	$ 3,335,000	$ 3,316,000
Federal Home Loan Bank stock	646,000	646,000
Financial liabilities:
Deposits	$ 32,656,000	$ 32,787,000
Advance payments by borrowers for taxes and insurance
Federal funds purchased
Borrowed funds	$ 13,272,000	$ 13,475,000
Accrued interest payable
Cash and cash equivalents	$ 5,253,000	$ 2,533,000
Other interest-bearing deposits	5,011,000	5,011,000
Securities available for sale	2,637,000	2,765,000
Securities held to maturity	2,729,000	2,870,000
Loans held for sale	1,185,000	151,000
Loans	112,497,000	109,860,000
Accrued interest receivable	392,000	395,000
Cash value of life insurance	3,335,000	3,316,000
Federal Home Loan Bank stock	646,000	646,000
Deposits	111,501,000	105,720,000
Advance payments by borrowers for taxes and insurance	387,000	793,000
Federal funds purchased	517,000	616,000
Borrowed funds	12,960,000	13,005,000
Accrued interest payable	$ 55,000	$ 55,000

Note 8 - Employee Stock Owner42

Note 8 - Employee Stock Ownership Plan (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Sep. 30, 2015
Share Issued With Average Fair Value $7.93 [Member]
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares	719
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares	2,877			2,158
Employee Stock Ownership Plan, ESOP, Shares Committed to Be Released Weighted Average Fair Value per Share	$ 7.93
Employee Stock Ownership Plan (ESOP), Compensation Expense	$ 6	$ 7
Employee Stock Ownership Plan, ESOP, Number of Committed to Be Released Shares Released		719	2,158
Employee Stock Ownership Plan, ESOP, Number of Allocated Shares Released		2,877

Note 8 - Employee Stock Owner43

Note 8 - Employee Stock Ownership Plan - Employee Stock Ownership Plan (Details) - shares	Dec. 31, 2015	Sep. 30, 2015
Allocated shares (in shares)	2,877	2,877
Employee Stock Ownership Plan (ESOP), Number of Committed-to-be-Released Shares	2,877	2,158
Total unallocated shares (in shares)	66,181	66,900
Total ESOP shares (in shares)	71,935	71,935