Coastway Bancorp (CWAY) 10-Q 16 Dec 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013	Dec. 16, 2013
Document and Entity Information	'	'
Entity Registrant Name	'Coastway Bancorp, Inc.	'
Entity Central Index Key	'0001585023	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'No	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	100
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Cash and cash equivalents:	'	'
Cash and due from banks	$2,148	$2,705
Interest-earning deposits	5,551	4,315
Total cash and cash equivalents	7,699	7,020
Federal Home Loan Bank stock, at cost	2,694	3,036
Loans, net of allowance for loan losses of $1,608 and $1,569, respectively	318,049	296,999
Loans held for sale	13,156	13,642
Premises and equipment, net	23,950	24,919
Accrued interest receivable	1,045	1,048
Real estate held for investment	'	1,354
Real estate held for sale	3,515	'
Foreclosed real estate	1,659	2,594
Prepaid FDIC insurance assessment	'	336
Bank-owned life insurance	4,027	'
Net deferred tax asset	86	'
Other assets	4,642	3,674
Total assets	380,522	354,622
Deposits	'	'
Interest-bearing	273,838	250,185
Non-interest-bearing	64,646	57,608
Total Deposits	338,484	307,793
Borrowed funds	11,000	16,343
Net deferred tax liability	'	68
Accrued expenses and other liabilities	3,489	3,122
Total liabilities	352,973	327,326
Commitments and contingencies (Note 6)	'	'
Retained earnings	28,065	27,812
Accumulated other comprehensive loss	-516	-516
Total retained earnings	27,549	27,296
Total	$380,522	$354,622

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Consolidated Balance Sheets	'	'	'	'	'	'
Loans, allowance for loan losses	$1,608	$1,597	$1,569	$1,323	$1,248	$1,424

Consolidated_Statements_of_Net

Consolidated Statements of Net Income and Comprehensive Income (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income:	'	'	'	'
Interest and fees on loans	$3,523	$3,308	$10,387	$9,908
Other interest income	5	9	14	26
Total interest income	3,528	3,317	10,401	9,934
Interest expense:	'	'	'	'
Interest on deposits	616	624	1,879	1,866
Interest on borrowed funds	30	33	98	111
Total interest expense	646	657	1,977	1,977
Net interest income	2,882	2,660	8,424	7,957
Provision for loan losses	129	252	338	836
Net interest income after provision for loan losses	2,753	2,408	8,086	7,121
Non-interest income:	'	'	'	'
Customer service fees	780	761	2,256	2,224
Gain on sales of loans, net	518	1,303	2,330	2,879
Bank-owned life insurance income	27	'	27	'
Other income	52	13	160	104
Total non-interest income	1,377	2,077	4,773	5,207
Non-interest expenses:	'	'	'	'
Salary and employee benefits	2,260	1,894	6,350	5,559
Occupancy and equipment	588	484	1,711	1,400
Data processing	378	371	1,111	1,034
Deposit servicing	188	194	482	554
Advertising	86	150	229	351
Professional fees	123	195	343	567
Foreclosed real estate	34	57	319	114
Impairment loss on real estate held for sale	'	'	482	'
FDIC insurance assessment	86	73	240	216
Other general and administrative	339	330	1,152	996
Total non-interest expenses	4,082	3,748	12,419	10,791
Income before income taxes	48	737	440	1,537
Income tax expense	40	296	187	615
Net income and comprehensive income	$8	$441	$253	$922

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Retained Earnings (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013	Dec. 31, 2012
		Retained Earnings	Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss
Increase (Decrease) in Retained Earnings	'	'	'	'
Balance	$27,296	$27,812	($516)	($516)
Comprehensive income	253	253	'	'
Balance	$27,549	$28,065	($516)	($516)

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net income	$253	$922
Adjustments to reconcile net income to net cash provided (used) by operating activities:	'	'
Provision for loan losses	338	836
Loans originated for sale	-134,074	-123,951
Loans sold	133,658	119,576
Loss on loans held for sale transferred to portfolio	28	'
Amortization of deferred loan costs	365	320
Provision for foreclosed real estate losses	220	'
Loss (gain) on sale of foreclosed real estate	10	31
Impairment loss on real estate held for sale	482	'
Depreciation and amortization expense	715	585
Bank-owned life insurance income	-27	'
Deferred income tax provision (benefit)	-154	255
Net change in:	'	'
Accrued interest receivable	3	35
Prepaid FDIC insurance assessment	336	201
Other, net	-601	-216
Net cash provided (used) by operating activities	1,552	-1,406
Cash flows from investing activities:	'	'
Proceeds from redemption of FHLB stock	342	372
Purchase of bank-owned life insurance	-4,000	'
Loan (originations), net of principal payments	-25,580	-16,624
Proceeds from loan participations sold	4,431	4,841
Proceeds from sale of foreclosed real estate	975	385
Purchases of premises and equipment	-2,389	-2,652
Net cash used by investing activities	-26,221	-13,678
Cash flows from financing activities:	'	'
Net increase in deposits	30,691	28,134
Net change in short-term borrowed funds	-4,000	-6,000
Repayments of long-term borrowed funds	-1,343	-1,394
Net cash provided by financing activities	25,348	20,740
Net increase in cash and cash equivalents	679	5,656
Cash and cash equivalents at beginning of period	7,020	5,366
Cash and cash equivalents at end of period	7,699	11,022
Supplemental cash flow information:	'	'
Interest paid on deposits	1,880	1,867
Interest paid on borrowed funds	102	115
Income taxes paid	602	440
Supplemental non-cash information:	'	'
Loans transferred to foreclosed real estate	270	1,235
Loans held for sale transferred to portfolio loans	874	'
Real estate transferred from real estate held for investment to real estate held for sale	1,354	'
Real estate transferred from premises to real estate held for sale	$2,643	'

Basis_of_Presentation_and_Cons

Basis of Presentation and Consolidation	9 Months Ended
	Sep. 30, 2013
Basis of Presentation and Consolidation	'
Basis of Presentation and Consolidation	'
	(1)                                 Basis of Presentation and Consolidation
	General information
	Coastway Bancorp, MHC (the “Company”), a Rhode Island chartered mutual holding company and its wholly-owned subsidiary, Coastway Bancorp LLC, a Rhode Island limited liability company, were formed on February 1, 2013.  Coastway Bancorp, LLC (the “LLC”) owns 100% of Coastway Community Bank (the “Bank”).  The Bank is a Rhode Island-chartered savings bank.  The Bank provides a variety of financial services to individuals and small businesses throughout Rhode Island.  Its primary deposit products are savings, demand, money market and term certificate accounts and its primary lending products are one-to four-family residential mortgage loans, home equity loans and lines of credit, commercial real estate and SBA loans.
	On August 22, 2013, the Board of Directors of the Company, the LLC and the Bank adopted the Plan of Conversion and Reorganization whereby the Company will convert from the mutual holding company form of organization to a stock holding company form of organization, and Coastway Bancorp, Inc. (the “Corporation”), a new Maryland-chartered stock corporation  will offer between 3,102,500 shares and up to 4,827,125 shares of Corporation common stock on a priority basis to qualifying depositors and tax qualified employee benefit plans of the Bank with any remaining shares to be offered to the public in a community offering and possibly in a syndicated community offering (the “Conversion”).  In connection with the Conversion, the Corporation intends to implement an employee stock ownership plan and intends to contribute to Coastway Cares Charitable Foundation II an amount equal to $300,000 in cash and a number of shares of Corporation common stock that together will total 3.15% of the gross proceeds of the offering.  The Registration Statement on Form S-1 (No. 333-191120), originally filed with the Securities and Exchange Commission (the “SEC”) on September 12, 2013, as amended on October 25, 2013 and November 7, 2013 (the “Form S-1”) was declared effective by the SEC on November 12, 2013.  Following the completion of the Conversion, the Bank will be 100% owned by the Corporation and the Corporation will be 100% owned by public stockholders.  The Conversion is expected to close in the first quarter of 2014.
	The consolidated financial statements include the accounts of the Company and its subsidiaries.  All significant intercompany transactions have been eliminated.
	The unaudited consolidated financial statements of the Company presented herein have been prepared in accordance with U.S. Generally Accepted Accounting Principles (“GAAP”) for interim financial information and pursuant to the rules of the SEC for quarterly reports on Form 10-Q and Article 8 of Regulation S-X and do not include all of the information and note disclosures required by GAAP for a complete set of financial statements.  In the opinion of management, all adjustments (consisting of normal recurring adjustments) and disclosures necessary for the fair presentation of the accompanying consolidated financial statements have been included. Interim results are not necessarily reflective of the results of the entire year.  The accompanying unaudited financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto for the year ended December 31, 2012, included in the Corporation’s Form S-1.
	In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the valuation of deferred tax assets.
	Recent Accounting Pronouncements
	As an “emerging growth company” as defined in Title 1 of the Jumpstart Our Business Startups (JOBS) Act, the Corporation has elected to use the extended transition period to delay the adoption of new or reissued accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies.  As of September 30, 2013, there is no significant difference in the comparability of the financial statements as a result of this extended transition period.
	In February 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2013-02, Reporting of Amounts Reclassified out of Accumulated Other Comprehensive Income.  This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component.  In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income.  This ASU is effective prospectively for public entities for reporting periods beginning after December 15, 2012 and for nonpublic entities for reporting periods beginning after December 15, 2013.  Under the extended transition period for an emerging growth company, the Corporation will adopt this ASU on January 1, 2014. Management does not expect this ASU to have a material effect on the presentation of comprehensive income in the Corporation’s consolidated financial statements.

Loans

Loans	9 Months Ended
	Sep. 30, 2013
Loans	'
Loans	'
	(2)                                 Loans
	Major classifications of loans at the dates indicated, are as follows:
	(Dollars in thousands)	September 30,			December 31,
		2013			2012
	Residential real estate mortgage loans:
	1-4 family	$	97,014		$	78,633
	Home equity loans and lines of credit	82,581			83,154
	Total residential real estate mortgage loans	179,595			161,787
	Commercial:
	Commercial real estate	83,840			81,754
	Commercial business	8,054			7,899
	Commercial construction	6,834			3,302
	SBA	37,605			39,628
	Total Commercial loans	136,333			132,583
	Consumer	1,702			2,320
	Total loans	317,630			296,690
	Allowance for loan losses	(1,608		)	(1,569		)
	Net deferred loan costs	2,027			1,878
	Loans, net	$	318,049		$	296,999
	Loan Segments
	One-to four-family residential real estate and home equity — Loans in these segments are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower.  The Bank generally has first liens on one-to four-family residential real estate loans and first or second liens on property securing home equity loans and equity lines-of-credit.  The Bank’s fixed-rate one- to four-family residential real estate loans typically have terms of 10 to 30 years and generally have maximum loan to value ratios of 90% at origination.  Home equity loans and lines of credit may be underwritten with a loan-to value ratio of up to 80% when combined with the principal balance of the existing first mortgage loan. Home equity loans are primarily originated with terms of up to 15 years.  Home equity lines are primarily originated with adjustable-rates based on the prime rate of interest plus an applicable margin and require interest paid monthly. The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality in these segments.
	Commercial — Commercial loan segments include commercial real estate, commercial and industrial loans for businesses and construction financing for business/properties located principally in Rhode Island.  For commercial real estate loans, the underlying cash flows generated by the properties are adversely impacted by a downturn in the economy as evidenced by increased vacancy rates, which in turn, will have an effect on the credit quality in this segment.  Commercial real estate loans generally have initial terms of five to ten years and amortization terms of 15 to 20 years with a balloon payment at the end of the initial term, and may be fixed-rate or adjustable-rate which would generally be tied to a margin above the five year FHLB rate.  The maximum loan-to-value ratio of commercial real estate loans is generally 75% (80% for multi-family) of the lower of cost or appraised value of the property securing the loan at origination.  Non-real estate commercial loans are made to businesses and are generally secured by assets of the business.  Repayment is expected from the cash flows of the business.  Commercial construction generally represent loans to finance construction of retail and office space.  Commercial loans also include loans made under the SBA 504 program which is an economic development program that finances the expansion of small businesses.  The Bank generally provides 50% of the projected costs, and the loan is secured by a first lien on the commercial property.  The SBA does not provide a guarantee on loans made under the SBA 504 program.  A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.  Management monitors the cash flows of these loans.
	SBA — Loans in this segment include commercial loans underwritten using SBA guidelines for the SBA’s 7(a) program and include both guaranteed and unguaranteed portions of the same loans.  Under the SBA 7(a) program, loans may qualify for guarantees up to 85% of principal and accrued interest.  The Bank does not treat the SBA guarantee as a substitute for a borrower meeting reasonable credit standards.  SBA guarantees are generally sought on loans that exhibit minimum capital levels, a short time in business, lower collateral coverage or maximum loan terms beyond the Bank’s normal underwriting criteria.  For a number of SBA loans, the Bank has sold portions of certain loans and retains the unguaranteed portion while continuing to service the entire loan.  The guaranteed portion of SBA loans in the Bank’s portfolio is not allocated a general reserve because the Bank has not experienced losses on such loans and management expects the guarantees will be effective, if necessary.
	Consumer — This segment includes unsecured and vehicle loans and repayment is dependent on the credit quality of the individual borrower.
	Allowance for Loan Losses
	Allowance for Loan Loss Methodology
	The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.  For impaired loans that are deemed collateral dependent, the recorded balance of the loan is reduced by charge-off to fair value of the collateral net of estimated selling costs.
	The allowance for loan losses is evaluated on a regular basis by management.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.  The allowance consists of general and specific components as described below.
	The general component of the allowance for loan losses is based on historical loss experience adjusted for qualitative factors stratified by loan segments.  Management uses a ten year historical loss period to capture relevant loss data for each loan segment.  This historical loss factor is adjusted for the following qualitative factors: levels/trends in delinquencies; charge off trends over the past three year period; weighted average risk weightings; loan concentrations; management’s assessment of internal factors; and management’s assessment of external factors such as interest rates, real estate markets and local and national economic factors.  There were no changes in the Bank’s policies or methodology pertaining to the general component of the allowance for loan losses during the nine months ended September 30, 2013 and the year ended December 31, 2012.
	The Company evaluates the need for a specific allowance when loans are determined to be impaired.  Loss is measured by determining the present value of expected future cash flows or, for collateral-dependent loans, the fair value of the collateral less estimated selling expenses.  Factors in identifying a specific problem loan include: (1) the strength of the customer’s personal or business cash flows; (2) the availability of other sources of repayment; (3) the amount due or past due; (4) the type and value of collateral; (5) the strength of the collateral position; (6) the estimated cost to sell the collateral; and (7) the borrower’s effort to cure the delinquency.  In addition, for loans secured by real estate, the Company considers the extent of any past due and unpaid property taxes applicable to the property serving as collateral on the mortgage.
	Credit Quality Indicators
	Commercial and SBA loans are risk rated based on key factors such as management ability, financial condition, debt repayment ability, collateral, industry conditions and loan structure.  Risk ratings 1 through 5 are considered “pass” rated, risk rating 5.5 is considered “watch list”, risk rating 6 is considered “special mention”, while risk ratings 7, 8 and 9 are considered “classified” ratings.
	Risk rating 5.5 — Watch List:  loans in this category exhibit the characteristics associated with 5 risk-rated loans, but possess negative factors that warrant increased oversight yet do not warrant a negative risk rating.  Factors may include short-term negative operating trends, temporary liquidity shortfalls, modest delinquency, missing or incomplete financial information, or negative balance sheet trends.
	Risk Rating 6 — Special Mention:  these loans have potential weaknesses and require management’s close attention.  If these weaknesses are not addressed, they may weaken the prospects for repayment at a future date.  Special mention assets do not expose the institution to sufficient risk to warrant a classified rating.
	Risk Rating 7 — Substandard:  loans in this category are inadequately protected by the current financial condition and repayment ability of the borrower or pledged collateral, if any.  These assets have a well-defined weakness(es) that jeopardizes the repayment of the debt in full, and are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
	Risk Rating 8 — Doubtful:  loans have all the weaknesses of those classified substandard.  In addition, it is highly unlikely that a doubtful asset can be collected or liquidated in full.  The possibility of loss is extremely high.  However, because of certain important and reasonably specific pending factors, which may work to strengthen the asset, its classification as a loss is deferred until the asset’s status can be better determined.
	Risk Rating 9 — Loss:  loans classified as loss are considered uncollectible and of such little value that they are no longer considered bankable.  This classification does not mean that the asset has no recovery or salvage value.  However, it is not practical or desirable to defer writing off the asset even though partial recovery may occur in the future.
	On an annual basis, or more often if needed, the Bank formally reviews the ratings on commercial and SBA loans.  On an annual basis, the Bank engages an independent third-party to review a significant portion of loans within these segments.  Management uses the results of these reviews as part of its annual review process.  Credit quality for residential real estate mortgage and consumer loans is determined by monitoring loan payment history and on-going communications with borrowers.
	The following table presents the credit risk profile by internally assigned risk rating category at the dates indicated:
		September 30, 2013
		Commercial			Commercial			Commercial
	(Dollars in thousands)	Real Estate			Business			Construction		SBA			Total
	Loans rated 1-5	$	80,798		$	7,615		$	5,657	$	30,122		$	124,192
	Loans rated 5.5	2,868			179			1,177		3,218			7,442
	Loans rated 6	174			—			—		587			761
	Loans rated 7	—			260			—		3,514			3,774
	Loans rated 8	—			—			—		164			164
		$	83,840		$	8,054		$	6,834	$	37,605		$	136,333
		December 31, 2012
		Commercial			Commercial			Commercial
	(Dollars in thousands)	Real Estate			Business			Construction		SBA			Total
	Loans rated 1-5	$	80,138		$	7,234		$	3,302	$	29,401		$	120,075
	Loans rated 5.5	1,616			176			—		4,204			5,996
	Loans rated 6	—			—			—		1,257			1,257
	Loans rated 7	—			489			—		4,766			5,255
	Loans rated 8	—			—			—		—			—
		$	81,754		$	7,899		$	3,302	$	39,628		$	132,583
	Past Due and Non-Accrual Loans
	The accrual of interest on loans is discontinued at the time the loan is 90 days past due.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on non-accrual at an earlier date if collection of principal or interest is considered doubtful.  All interest accrued, but not collected for loans that are placed on non-accrual, is reversed against interest income.  The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	The following table presents past due loans as of the dates indicated.
	Balance at September 30, 2013
	(Dollars in thousands)	30-59 Days			60-90 Days			90 Days		Total			Past Due > 90		Loans on
		Past Due			Past Due			or More		Past Due			Days and Still		Non-accrual
					Past Due					Accruing
Residential real estate:
Residential 1-4 family	$	—		$	756		$	1,637	$	2,393		$	—	$	4,991
Home equity loans and lines of credit	553			—			177		730			—		253
Commercial real estate	—			—			—		—			—		—
Commercial business	—			—			—		—			—		—
Commercial construction	—			—			—		—			—		—
SBA	—			293			832		1,125			—		1,286
Consumer	10			10			—		20			—		13
Total gross loans	$	563		$	1,059		$	2,646	$	4,268		$	—	$	6,543
Balance at December 31, 2012
(Dollars in thousands)	30-59 Days			60-90 Days			90 Days		Total			Past Due > 90		Loans on
	Past Due			Past Due			or More		Past Due			Days and Still		Non-accrual
							Past Due					Accruing
Residential real estate:
Residential 1-4 family	$	1,721		$	717		$	2,652	$	5,090		$	—	5,773
Home equity loans and lines of credit	25			83			640		748			—		804
Commercial real estate	—			—			—		—			—		—
Commercial business	—			—			—		—			—		—
Commercial construction	—			—			—		—			—		—
SBA	361			—			494		855			—		1,071
Consumer	42			—			—		42			—		13
Total	$	2,149		$	800		$	3,786	$	6,735		$	—	$	7,661
Impaired Loans
A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.
The Bank periodically may agree to modify the contractual terms of loans, such as a reduction in interest rate of the loan for some period of time, an extension of the maturity date or an extension of time to make payments with the delinquent payments added to the end of the loan term.  When a loan is modified and a concession is made to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring (“TDR”).  All TDRs are initially classified as impaired.  Loans on non-accrual status at the date of modification are initially classified as non-accrual troubled debt restructurings.  TDRs may be returned to accrual status after a period of satisfactory payment performance according to the terms of the restructuring, generally six months of current payments.
The following table sets forth the recorded investment in impaired loans and the related specific allowance allocated as of the dates indicated.
September 30, 2013
(Dollars in thousands)	Unpaid			Total recorded			Recorded		Recorded			Related
	contractual			investment in			investment		investment			allowance
	principal balance			impaired loans			with no		with
							allowance		allowance
Residential real estate:
Residential 1-4 family	$	6,783		$	6,709		$	4,065	$	2,644		$	96
Home equity loans & lines of credit	519			453			266		187			42
SBA	2,547			2,472			1,857		615			47
Consumer	44			44			10		34			8
Total	$	9,893		$	9,678		$	6,198	$	3,480		$	193
December 31, 2012
(Dollars in thousands)	Unpaid			Total recorded			Recorded		Recorded			Related
	contractual			investment in			investment		investment			allowance
	principal balance			impaired loans			with no		with
							allowance		allowance
Residential real estate:
Residential 1-4 family	$	6,801		$	6,727		$	3,256	$	3,471		$	104
Home equity loans & lines of credit	1,174			1,006			322		684			132
SBA	2,200			2,074			1,624		450			19
Consumer	30			30			—		30			7
Total	$	10,205		$	9,837		$	5,202	$	4,635		$	262
Of the $2.5 million and $2.1 million of impaired SBA loans at September 30, 2013 and at December 31, 2012, guaranteed portions of such loans amounted to $2.1 million and $1.8 million, respectively.
The following tables present the average recorded investment in impaired loans and the related interest recognized during the periods indicated.
	Three Months Ended						Three Months Ended
	September 30, 2013						September 30, 2012
(Dollars in thousands)	Average recorded			Interest income			Average recorded		Interest income
	investment			recognized			investment		recognized
Residential 1-4 family	$	6,895		$	29		$	5,605	$	62
Home Equity	535			5			684		10
Commercial Real Estate	37			—			—		—
SBA	2,332			17			1,747		17
Consumer	37			—			36		—
Total	$	9,836		$	51		$	8,072	$	89
	Nine Months Ended						Nine Months Ended
	September 30, 2013						September 30, 2012
(Dollars in thousands)	Average recorded			Interest income			Average recorded		Interest income
	investment			recognized			investment		recognized
Residential 1-4 family	$	6,810		$	164		$	5,878	$	156
Home Equity	686			25			814		19
Commercial Real Estate	30			—			—		—
SBA	2,178			49			2,139		60
Consumer	37			—			49		—
Total	$	9,741		$	239		$	8,880	$	235
Troubled Debt Restructurings (TDRs)
Loans are designated as a TDR when, as part of an agreement to modify the original contractual terms of the loan, the Bank grants a concession on the terms, that would not otherwise be considered, as a result of financial difficulties of the borrower.  Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, or a deferment or reduction of payments, principal or interest, which materially alters the Bank’s position or significantly extends the note’s maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan’s origination.  All loans that are modified are reviewed by the Company to identify if a TDR has occurred.  Restructured loans are included in the impaired loan category and as such, these loans are individually evaluated for impairment and a specific reserve is assigned for the amount of the estimated credit loss.
Total TDR loans, included in the impaired loans as of September 30, 2013 and December 31, 2012 were $6.7 million and $6.2 million, respectively.  TDR loans on accrual status amounted to $3.1 million and $2.2 million at September 30, 2013 and December 31, 2012, respectively.
Troubled debt restructuring agreements entered into during the period indicated are as follows:
	Three months ended September 30, 2013
(Dollars in thousands)	Number of		Pre-modification			Post-modification
	restructurings		outstanding			outstanding
			recorded			recorded
			investment			investment
Residential 1-4 family	1		$	280		$	280
SBA	1		85			85
Consumer	—		—			—
Total	2		$	365		$	365
Troubled debt restructurings that subsequently defaulted within 12 months of restructuring are as follows during the period indicated:
	Three months ended September 30, 2013
(Dollars in thousands)	Number of TDR’s		Post-modification
	that defaulted		outstanding
			recorded investment
Residential 1-4 family	1		$	174
SBA	—		—
Consumer	—		—
Total	1		$	174
Troubled debt restructuring agreements entered into during the period indicated are as follows:
	Nine months ended September 30, 2013
(Dollars in thousands)	Number of		Pre-modification			Post-modification
	restructurings		outstanding			outstanding
			recorded			recorded
			investment			investment
Residential 1-4 family	4		$	750		$	750
SBA	2		215			215
Consumer	2		15			15
Total	8		$	980		$	980
Troubled debt restructurings that subsequently defaulted within 12 months of restructuring are as follows during the period indicated:
	Nine months ended September 30, 2013
(Dollars in thousands)	Number of TDR’s		Post-
	that defaulted		modification outstanding
			recorded investment
Residential 1-4 family	3		$	743
Home Equity	1		25
Total	4		$	768
Troubled debt restructuring agreements entered into during the period indicated are as follows:
	Three months ended September 30, 2012
(Dollars in thousands)	Number of		Pre-modification			Post-modification
	restructurings		outstanding			outstanding
			recorded			recorded
			investment			investment
Residential 1-4 family	5		$	1,777		$	1,777
Home equity	1		47			47
SBA	1		51			51
Consumer	1		13			13
Total	8		$	1,888		$	1,888
Troubled debt restructure agreements entered into during the period indicated are as follows:
	Nine months ended September 30, 2012
(Dollars in thousands)	Number of		Pre-modification			Post-modification
	restructurings		outstanding			outstanding
			recorded			recorded
			investment			investment
Residential 1-4 family	8		$	2,479		$	2,479
Home Equity	2		72			72
SBA	2		257			257
Consumer	2		31			31
Total	14		$	2,839		$	2,839
Allowance for loan loss activity
Changes in the allowance for loan losses by segment are presented below:
Three months ended September 30, 2013
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance at June 30, 2013	$	416		$	649		$	283	$	28		$	20	$	185		$	16		$	1,597
Provision	40			59			2		(1		)	3		26			—			129
Loans charged off	—			(130		)	—		—			—		(5		)	—			(135		)
Recoveries	3			3			—		—			—		9			2			17
Allowance at September 30 2013	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
Nine months ended September 30, 2013
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance at December 31, 2012:	$	393		$	674		$	261	$	25		$	11	$	185		$	20		$	1,569
Provisions (credit) for loan	56			243			24		2			12		1			—			338
Loans charged-off	—			(345		)	—		—			—		(13		)	(15		)	(373		)
Recoveries	10			9			—		—			—		42			13			74
Allowance at September 30, 2013	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
Three months ended September 30, 2012
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance at June 30, 2012	$	426		$	382		$	239	$	14		$	7	$	164		$	16		$	1,248
Provision	5			131			3		—			—		80			33			252
Loans charged off	(44		)	(83		)	—		—			—		(47		)	(24		)	(198		)
Recoveries	3			6			—		—			—		9			3			21
Allowance at September 30 2012	$	390		$	436		$	242	$	14		$	7	$	206		$	28		$	1,323
Nine Months Ended September 30, 2012
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance at December 31, 2011	$	531		$	501		$	214	$	13		$	1	$	149		$	15		$	1,424
Provisions (credit) for loan	5			636			28		1			6		117			43			836
Loans charged-off	(154		)	(708		)	—		—			—		(90		)	(40		)	(992		)
Recoveries	8			7			—		—			—		30			10			55
Allowance at September 30, 2012	$	390		$	436		$	242	$	14		$	7	$	206		$	28		$	1,323
The allowance for loan losses and loan balances by impaired and non-impaired components are as follows at the dates indicated:
September 30, 2013
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance for impaired loans	$	96		$	42		$	—	$	—		$	—	$	47		$	8		$	193
Allowance for non-impaired loans	363			539			285		27			23		168			10			1,415
Total	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
Impaired loans	$	6,709		$	453		$	—	$	—		$	—	$	2,472		$	44		$	9,678
Non-impaired loans	90,305			82,128			83,840		8,054			6,834		35,133			1,658			307,952
Total loans	$	97,014		$	82,581		$	83,840	$	8,054		$	6,834	$	37,605		$	1,702		$	317,630
December 31, 2012
(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
	1-4 family			Equity			Real Estate		Business			Construction
Allowance for impaired loans	$	104		$	132		$	—	$	—		$	—	$	19		$	7		$	262
Allowance for non-impaired loans	289			542			261		25			11		166			13			1,307
Total	$	393		$	674		$	261	$	25		$	11	$	185		$	20		$	1,569
Impaired loans	$	6,727		$	1,006		$	—	$	—		$	—	$	2,074		$	30		$	9,837
Non-impaired loans	71,906			82,148			81,754		7,899			3,302		37,554			2,290			286,853
Total loans	$	78,633		$	83,154		$	81,754	$	7,899		$	3,302	$	39,628		$	2,320		$	296,690

Employee_Benefits

Employee Benefits	9 Months Ended
	Sep. 30, 2013
Employee Benefits	'
Employee Benefits	'
	(3)                                 Employee Benefits
	Bank-owned Life Insurance (“BOLI”)
	In July 2013, the Bank purchased $4 million of Bank-owned life insurance policies which are recorded on the consolidated balance sheet at net cash surrender value.  Changes in the net cash surrender value of the policies, as well as insurance proceeds received, are reflected in non-interest income on the consolidated statement of net income and are not subject to income taxes.
	Supplemental Retirement Agreements
	Effective July 1, 2013, the Bank entered into supplemental retirement agreements (“SERP”) with six executive officers, which provide for payments upon attaining the retirement age specified in the agreements.  The present value of these future payments is accrued over the remaining service or vesting term.  Supplemental retirement benefits generally vest as they are accrued; however a termination of employment subsequent to a change in control will result in the vesting of all benefits that would have accrued to the officer’s normal retirement date.  During the three months ended September 30, 2013, SERP expense totaled $79,000.
	Pension
	Pension expense totaled $12,000 for the three months ended September 30, 2013 and 2012, respectively, and totaled $36,000 for each of the nine months ended September 30, 2013 and 2012, respectively. The Bank expects to contribute $71,000 for the plan year ended December 31, 2013.

OffBalance_Sheets_Activities_a

Off-Balance Sheets Activities and Derivatives	9 Months Ended
	Sep. 30, 2013
Off-Balance Sheets Activities and Derivatives	'
Off-Balance Sheets Activities and Derivatives	'
	(4)                                 Off-Balance Sheets Activities and Derivatives
	In the normal course of business, there are outstanding commitments and contingencies which are not reflected in the accompanying financial statements.
	Loan Commitments
	The Bank is a party to conditional commitments to lend funds in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit which include commercial lines of credit and home equity lines that involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet.  The Bank’s exposure to credit loss is represented by the contractual amount of those instruments.  The Bank uses the same credit policies in making commitments as it does for on-balance-sheet instruments.
	The following financial instruments were outstanding whose contract amounts represent credit risk:
		September 30			December 31
		2013			2012
		(In thousands)
	Commitments to grant loans	$	7,789		$	9,945
	Commitments to originate loans to be sold	9,659			11,317
	Unfunded commitments under home equity lines of credit	47,152			47,245
	Unfunded commitments under commercial lines of credit	11,185			8,972
	Unfunded commitments under SBA lines of credit	3,090			2,351
	Unadvanced funds on construction loans	8,556			2,045
	The commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  The commitments for lines-of-credit may expire without being drawn upon.  Therefore, the total commitment amounts do not necessarily represent future cash requirements.  The Bank evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained if deemed necessary by the Bank upon extension of credit is based upon management’s credit evaluation of the counterparty.  Collateral held generally consists of real estate.
	Interest Rate Risk Management — Derivative Instruments Not Designated As Hedging Instruments
	Certain derivative instruments do not meet the requirements to be accounted for as hedging instruments.  These undesignated derivative instruments are recognized on the balance sheet at fair value, with changes in fair value recorded in other non-interest income.
	Derivative Loan Commitments
	Mortgage loan commitments are considered derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding.  The Bank enters into commitments to fund residential mortgage loans at specified times in the future, with the intention that these loans will subsequently be sold in the secondary market.
	Outstanding derivative loan commitments expose the Bank to the risk that the price of the loans arising from exercise of the loan commitment might decline from inception of the rate lock to funding of the loan due to increases in mortgage interest rates.  If interest rates increase, the value of these loan commitments decreases.  Conversely, if interest rates decrease, the value of these loan commitments increases.
	Forward Loan Sale Commitments
	To protect against the price risk inherent in derivative loan commitments, the Bank utilizes best efforts forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments.
	With a best efforts contract, the Bank commits to deliver an individual mortgage loan of a specified principal amount and quality to an investor if the loan to the underlying borrower closes.  Generally, the price the investor will pay the seller for an individual loan is specified prior to the loan being funded (e.g., on the same day the lender commits to lend funds to a potential borrower).  Forward commitments to sell loans totaled $22,461,000 and $24,728,000 at September 30, 2013 and December 31, 2012, respectively.
	The following table presents the fair values of derivative instruments in the balance sheet.
		Assets						Liabilities
		Balance						Balance
		Sheet		Fair				Sheet		Fair
		Location		Value				Location		Value
		(In thousands)
	30-Sep-13
	Derivative loan commitments	Other assets		$	207			NA		$	—
	Forward loan sale commitments	NA		—				Other liabilities		129
	Total derivatives not designated as hedging instruments			$	207					$	129
	31-Dec-12
	Derivative loan commitments	Other assets		$		154		NA		$		—
	Forward loan sale commitments	Other assets		47				NA		—
	Total derivatives not designated as hedging instruments			$		201				$		—
	The following table presents information pertaining to the gains and losses on Bank’s derivative instruments not designated as hedging instruments:
	Derivatives Not	Location of		Three Months Ended						Nine Months ended
	Designated As			September 30,						September 30,
	Hedging
	Instruments	Gain/(Loss)		2013			2012			2013			2012
				(in thousands)
	Derivative loan commitments	Gain on sales of loans, net		$	1,512		$	(243	)	$	95		$	415
	Forward loan sale commitments	Gain on sales of loans, net		(1,710		)	294			(176		)	(210		)
				$	(198	)	$	51		$	(81	)	$	205
	Premises and Equipment
	In June 2013, the Bank entered into a Purchase and Sale Agreement to purchase its new corporate headquarters for $8.8 million which is currently under construction.  The purchase is expected to close in the second calendar quarter of 2014, at which point the Bank expects to relocate from and hold for sale its current headquarters, which has a carrying value of $3.4 million at June 30, 2013.

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Fair Value Measurements	'
	(5)                                 Fair Value Measurements
	The Bank uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures.  The fair value of an asset or liability is the price which a seller would receive in an orderly transaction between market participants (an exit price).  Assets and liabilities are placed in a fair value hierarchy based on fair value measurements using three levels of inputs: (Level 1) quoted market prices in active markets for identical assets or liabilities; (Level 2) significant other observable inputs, including quoted prices for similar items in active markets, quoted prices for identical or similar items in markets that are not active, inputs such as interest rates and yield curves, volatilities, prepayment speeds, credit risks and default rates which provide a reasonable basis for fair value determination or inputs derived principally from observed market data; (Level 3) significant unobservable inputs for situations in which there is little, if any, market activity for the asset or liability.  Unobservable inputs must reflect reasonable assumptions that market participants would use in pricing the asset or liability, which are developed on the basis of the best information available under the circumstances.
	The following tables summarize significant assets and liabilities carried at fair value and placement in the fair value hierarchy at the dates specified:
		September 30,			Fair Value Measurements using:
		2013
	(Dollars in thousands)	Fair Value			(level 1)			(level 2)		(level 3)
	Assets measured on a recurring basis:
	Derivative loan commitments	$	207		$	—		$	—	$	207
	Liabilities measured on a recurring basis:
	Forward loan sale commitments	129			—			—		129
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	591			—			—		591
	Foreclosed real estate	1,249			—			—		1,249
	Real estate held for sale	3,515			—			—		3,515
		December 31,			Fair Value Measurements using:
		2012
	(Dollars in thousands)	Fair Value			(level 1)			(level 2)		(level 3)
	Assets measured on a recurring basis:
	Forward loan sale commitments	$	47		$	—		$	—	$	47
	Derivative loan commitments	154			—			—		154
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	2,254			—			—		2,254
	Foreclosed real estate	2,594			—			—		2,594
	The Company did not have cause to transfer any assets between the fair value measurement levels during the nine months ended September 30, 2013 or the year ended December 31, 2012.  There were no liabilities measured at a fair value on a non-recurring basis at September 30, 2013.  There were no liabilities measured at fair value on a recurring or non-recurring basis at December 31, 2012.
	Impaired loan balances in the table above represent those collateral dependent impaired loans where management has estimated the credit loss by comparing the loan’s carrying value against the expected realizable fair value of the collateral (appraised value or internal analysis less estimated cost to sell, adjusted as necessary for changes in relevant valuation factors subsequent to the measurement date).  Certain inputs used in these assessments, and possible subsequent adjustments, are not always observable, and therefore, collateral dependent impaired loans are categorized as Level 3 within the fair value hierarchy.  A specific allowance or partial charge-off is recorded to the collateral dependent impaired loan for the amount of management’s estimated credit loss. Losses on collateral dependent impaired loans for the three months ended September 30, 2013 and 2012, totaled $91,000 and $118,000, respectively.  Losses on collateral dependent loans for the nine months ended September 30, 2013 and 2012, totaled $220,000 and $244,000, respectively.  The losses represent the amount of write-downs during the period on assets held at period end.
	Real estate acquired by the Company through foreclosure proceedings or the acceptance of a deed in lieu of foreclosure is classified as foreclosed real estate.  When property is acquired, it is generally recorded at the lesser of the loan’s remaining principal balance, net of unamortized deferred fees, or the estimated fair value of the property acquired, less estimated costs to sell.  The estimated fair value is based on market appraisals and the Company’s internal analysis.  Certain inputs used in appraisals or the Company’s internal analysis, are not always observable, and therefore, foreclosed real estate may be categorized as Level 3 within the fair value hierarchy.  Losses on foreclosed real estate for the three months ended September 30, 2013 and September 30, 2012 totaled $11,000 and $41,000, respectively.  Losses on foreclosed real estate for the nine months ended September 30, 2013 and 2012 totaled $233,000 and $41,000.
	During the nine months ended September 30, 2013, two properties classified in real estate held for sale were adjusted to fair value less cost to sell.  An impairment loss of $482,000 was recognized as a component of non-interest expense.  There were no such losses for the three and nine months ended September 30, 2012.
	Derivatives methodology
	Fair value changes in mortgage banking derivatives (interest rate lock commitments and commitments to sell fixed-rate residential mortgages) subsequent to inception are estimated using anticipated market prices based on pricing indications provided from syndicate banks and consideration of pull-through and fallout rates.  The fair value of the mortgage banking derivatives are considered to be Level 3 assets.
	The table below presents for the three months ended September 30, 2013 and 2012, the change in Level 3 assets and liabilities that are measured on a recurring basis:
		Derivative Loan Commitments and Forward
		Loan Sale Commitments
	(Dollars in thousands)	2013			2012
	Balance at beginning of period	$	1,370		$	346
	Total realized and unrealized gains (losses) included in net income (unaudited)	(198		)	51
	Settlements and closed loans	(1,093		)	(310		)
	Balance at end of period	$	79		$	87
	Total unrealized gains (losses) relating to instruments still held at period end	$	(198	)	$	51
	The table below presents for the nine months ended September 30, 2013 and 2012, the changes in Level 3 assets and liabilities that are measured on a recurring basis.
		Derivative Loan Commitments and Forward
		Loan Sale Commitments
	(Dollars in thousands)	2013			2012
	Balance at beginning of period	$	201		$	358
	Total realized and unrealized gains (losses) included in net income (unaudited)	(81		)	205
	Settlements and closed loans	(41		)	(476		)
	Balance at end of period	$	79		$	87
	Total unrealized gains (losses) relating to instruments still held at period end	$	(81	)	$	205
	The following tables present additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis for which the Company utilized Level 3 inputs (significant unobservable inputs for situations in which there is little, if any, market activity for the asset or liability) to determine fair value:
	September 30, 2013
	(Dollars in thousands)	Fair			Valuation Technique		Unobservable Input		Unobservable
		Value							Input Value or
									Range
	Assets measured on a recurring basis:
	Derivative loan commitments	$	207		Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		99.60-106.92%
	Liabilities measured on a recurring basis:
	Forward loan sale commitments	129			Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		94.38-107.46%
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	591			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
	Foreclosed real estate	1,249			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
	Real estate held for sale	3,515			Appraisal of collateral		Selling costs		5%
	December 31, 2012
Assets measured on a recurring basis:
Derivative loan commitments	$	154		Investor pricing		Pull-through rate		83.5-100%
						Pricing spreads		101.71-106.13%
Forward loan sale commitments	47			Investor pricing		Pull-through rate		83.5-100%
						Pricing spreads		101.61-106.17%
Assets measured on a non-recurring basis:
Impaired loans (collateral dependent)	2,254			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
Foreclosed real estate	2,594			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
Estimated Fair Values of Assets and Liabilities
In addition to disclosures regarding the measurement of assets and liabilities carried at fair value on the balance sheet, the Company is also required to disclose fair value information about financial instruments for which it is practicable to estimate that value, whether or not recognized on the balance sheet.  In cases where quoted fair values are not available, fair values are based upon estimates using various valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.  The following methods and assumptions were used by the Company in estimating fair values of its financial instruments.
The following methods and assumptions were used by the Company in estimating fair value disclosures:
Cash and cash equivalents — The carrying amounts of cash and cash equivalents approximate fair values based on the short-term nature of the assets.
Federal Home Loan Bank stock— The carrying value of Federal Home Loan Bank stock is deemed to approximate fair value, based on the redemption provisions of the Federal Home Loan Bank.
Loans, net — For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.  Fair values for other loans are estimated using discounted cash flow analyses, using market interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.  Fair values for non-performing loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable.
Loans held for sale— Fair values of loans held for sale are based on prevailing market rates for loans with similar characteristics.
Deposits — The fair values of deposits with no stated maturity, such as demand deposits, savings, club and money market accounts, are equal to the amount payable on demand at the reporting date.  Fair values for term certificates are estimated using a discounted cash flow calculation that applies market interest rates currently being offered for deposits of similar remaining maturities.
Borrowed funds — The fair values of the Bank’s FHLB advances are estimated using discounted cash flow analyses based on the current incremental borrowing rates in the market for similar types of borrowing arrangements.
Accrued interest — The carrying amounts of accrued interest approximate fair value.
Off-balance sheet credit-related instruments — Fair values for off-balance-sheet, credit related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.
The estimates of fair value of financial instruments were based on information available at September 30, 2013 and December 31, 2012 and are not indicative of the fair market value of those instruments as of the date of this report.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  The fair value of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value.
Because no active market exists for a portion of the Company’s financial instruments, fair value estimates were based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
Fair value estimates were based on existing on- and off-balance sheet financial instruments without an attempt to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments, including premises and equipment and foreclosed real estate, and real estate held for sale.
The carrying values, estimated fair values and placement in the fair value hierarchy of the Company’s financial instruments(1) for which fair value is only disclosed but not recognized on the balance sheet at the dates indicated are summarized as follows:
	September 30, 2013						Fair value measurement
	(unaudited)
(Dollars in thousands)	Carrying			Fair Value			Level 1 inputs		Level 2 Inputs		Level 3 Inputs
	Amount
Financial assets:
Loans, net	$	318,049		$	319,962		$	—	$	—	$	319,962
Loans held for sale	13,156			13,273							13,273
FHLB stock	2,694			2,694			—		—		2,694
Financial liabilities:
Certificates of deposit	125,033			127,128			—		127,128		—
Borrowed funds	11,000			11,026			—		11,026		—
	December 31, 2012						Fair value measurement
(Dollars in thousands)	Carrying			Fair Value			Level 1 inputs		Level 2 Inputs		Level 3 Inputs
	Amount
Financial assets:
Loans, net	$	296,999		$	305,797		$	—	$	—	$	305,797
Loans held for sale	13,642			13,870			—		—		13,870
FHLB stock	3,036			3,036			—		—		3,036
Financial liabilities:
Certificates of deposit	120,376			122,483			—		122,483		—
Borrowed funds	16,343			16,452			—		16,452		—
(1)         Excluded from this table are certain financial instruments that approximated their fair value, as they were short-term in nature or payable on demand.  These include cash and cash equivalents, accrued interest receivable, non-term deposit accounts, and accrued interest payable.  The respective carrying values of these instruments would all be considered to be classified within Level 1 of their fair value hierarchy.

Subsequent_Event

Subsequent Event	9 Months Ended
	Sep. 30, 2013
Subsequent Event	'
Subsequent Event	'
	(6)                                 Subsequent Event
	In October 2013, management was notified of a claim made related to a loan application management services contract pertaining to monthly user fees which had not been invoiced over the term of such contract.  The company making the claim acquired the application provider in early 2013.  The claim was for $178,000, covering a multi-year period of fees, though invoices and other communications from such company and/or its predecessor indicated balances due from the Bank, which did not include the fees in question, represented all open invoices or all amounts past due.  Based on the advice of legal counsel, management believes a loss is not probable at this time and the amount of reasonably possible loss or range of loss, if any, is not estimable.

Basis_of_Presentation_and_Cons1

Basis of Presentation and Consolidation (Policies)	9 Months Ended
	Sep. 30, 2013
Basis of Presentation and Consolidation	'
Recent Accounting Pronouncements	'
	Recent Accounting Pronouncements
	As an “emerging growth company” as defined in Title 1 of the Jumpstart Our Business Startups (JOBS) Act, the Corporation has elected to use the extended transition period to delay the adoption of new or reissued accounting pronouncements applicable to public companies until such pronouncements are made applicable to private companies.  As of September 30, 2013, there is no significant difference in the comparability of the financial statements as a result of this extended transition period.
	In February 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2013-02, Reporting of Amounts Reclassified out of Accumulated Other Comprehensive Income.  This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component.  In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income.  This ASU is effective prospectively for public entities for reporting periods beginning after December 15, 2012 and for nonpublic entities for reporting periods beginning after December 15, 2013.  Under the extended transition period for an emerging growth company, the Corporation will adopt this ASU on January 1, 2014. Management does not expect this ASU to have a material effect on the presentation of comprehensive income in the Corporation’s consolidated financial statements.

Loans_Tables

Loans (Tables)	9 Months Ended
	Sep. 30, 2013
Loans	'
Schedule of major classifications of loans	'
	(Dollars in thousands)	September 30,			December 31,
		2013			2012
	Residential real estate mortgage loans:
	1-4 family	$	97,014		$	78,633
	Home equity loans and lines of credit	82,581			83,154
	Total residential real estate mortgage loans	179,595			161,787
	Commercial:
	Commercial real estate	83,840			81,754
	Commercial business	8,054			7,899
	Commercial construction	6,834			3,302
	SBA	37,605			39,628
	Total Commercial loans	136,333			132,583
	Consumer	1,702			2,320
	Total loans	317,630			296,690
	Allowance for loan losses	(1,608		)	(1,569		)
	Net deferred loan costs	2,027			1,878
	Loans, net	$	318,049		$	296,999
Schedule of the credit risk profile by internally assigned risk rating category	'
		September 30, 2013
		Commercial			Commercial			Commercial
	(Dollars in thousands)	Real Estate			Business			Construction		SBA			Total
	Loans rated 1-5	$	80,798		$	7,615		$	5,657	$	30,122		$	124,192
	Loans rated 5.5	2,868			179			1,177		3,218			7,442
	Loans rated 6	174			—			—		587			761
	Loans rated 7	—			260			—		3,514			3,774
	Loans rated 8	—			—			—		164			164
		$	83,840		$	8,054		$	6,834	$	37,605		$	136,333
		December 31, 2012
		Commercial			Commercial			Commercial
	(Dollars in thousands)	Real Estate			Business			Construction		SBA			Total
	Loans rated 1-5	$	80,138		$	7,234		$	3,302	$	29,401		$	120,075
	Loans rated 5.5	1,616			176			—		4,204			5,996
	Loans rated 6	—			—			—		1,257			1,257
	Loans rated 7	—			489			—		4,766			5,255
	Loans rated 8	—			—			—		—			—
		$	81,754		$	7,899		$	3,302	$	39,628		$	132,583
Schedule of past due loans	'
	Balance at September 30, 2013
	(Dollars in thousands)	30-59 Days			60-90 Days			90 Days		Total			Past Due > 90		Loans on
		Past Due			Past Due			or More		Past Due			Days and Still		Non-accrual
								Past Due					Accruing
	Residential real estate:
	Residential 1-4 family	$	—		$	756		$	1,637	$	2,393		$	—	$	4,991
	Home equity loans and lines of credit	553			—			177		730			—		253
	Commercial real estate	—			—			—		—			—		—
	Commercial business	—			—			—		—			—		—
	Commercial construction	—			—			—		—			—		—
	SBA	—			293			832		1,125			—		1,286
	Consumer	10			10			—		20			—		13
	Total gross loans	$	563		$	1,059		$	2,646	$	4,268		$	—	$	6,543
	Balance at December 31, 2012
	(Dollars in thousands)	30-59 Days			60-90 Days			90 Days		Total			Past Due > 90		Loans on
		Past Due			Past Due			or More		Past Due			Days and Still		Non-accrual
								Past Due					Accruing
	Residential real estate:
	Residential 1-4 family	$	1,721		$	717		$	2,652	$	5,090		$	—	5,773
	Home equity loans and lines of credit	25			83			640		748			—		804
	Commercial real estate	—			—			—		—			—		—
	Commercial business	—			—			—		—			—		—
	Commercial construction	—			—			—		—			—		—
	SBA	361			—			494		855			—		1,071
	Consumer	42			—			—		42			—		13
	Total	$	2,149		$	800		$	3,786	$	6,735		$	—	$	7,661
Schedule of the recorded investment in impaired loans and the related specific allowance allocated	'
	September 30, 2013
	(Dollars in thousands)	Unpaid			Total recorded			Recorded		Recorded			Related
		contractual			investment in			investment		investment			allowance
		principal balance			impaired loans			with no		with
								allowance		allowance
	Residential real estate:
	Residential 1-4 family	$	6,783		$	6,709		$	4,065	$	2,644		$	96
	Home equity loans & lines of credit	519			453			266		187			42
	SBA	2,547			2,472			1,857		615			47
	Consumer	44			44			10		34			8
	Total	$	9,893		$	9,678		$	6,198	$	3,480		$	193
	December 31, 2012
	(Dollars in thousands)	Unpaid			Total recorded			Recorded		Recorded			Related
		contractual			investment in			investment		investment			allowance
		principal balance			impaired loans			with no		with
								allowance		allowance
	Residential real estate:
	Residential 1-4 family	$	6,801		$	6,727		$	3,256	$	3,471		$	104
	Home equity loans & lines of credit	1,174			1,006			322		684			132
	SBA	2,200			2,074			1,624		450			19
	Consumer	30			30			—		30			7
	Total	$	10,205		$	9,837		$	5,202	$	4,635		$	262
Schedule of the average recorded investment in impaired loans and the related interest recognized	'
		Three Months Ended						Three Months Ended
		September 30, 2013						September 30, 2012
	(Dollars in thousands)	Average recorded			Interest income			Average recorded		Interest income
		investment			recognized			investment		recognized
	Residential 1-4 family	$	6,895		$	29		$	5,605	$	62
	Home Equity	535			5			684		10
	Commercial Real Estate	37			—			—		—
	SBA	2,332			17			1,747		17
	Consumer	37			—			36		—
	Total	$	9,836		$	51		$	8,072	$	89
		Nine Months Ended						Nine Months Ended
		September 30, 2013						September 30, 2012
	(Dollars in thousands)	Average recorded			Interest income			Average recorded		Interest income
		investment			recognized			investment		recognized
	Residential 1-4 family	$	6,810		$	164		$	5,878	$	156
	Home Equity	686			25			814		19
	Commercial Real Estate	30			—			—		—
	SBA	2,178			49			2,139		60
	Consumer	37			—			49		—
	Total	$	9,741		$	239		$	8,880	$	235
Schedule of troubled debt restructuring agreements entered into during the period	'
		Three months ended September 30, 2013
	(Dollars in thousands)	Number of		Pre-modification			Post-modification
		restructurings		outstanding			outstanding
				recorded			recorded
				investment			investment
	Residential 1-4 family	1		$	280		$	280
	SBA	1		85			85
	Consumer	—		—			—
	Total	2		$	365		$	365
		Nine months ended September 30, 2013
	(Dollars in thousands)	Number of		Pre-modification			Post-modification
		restructurings		outstanding			outstanding
				recorded			recorded
				investment			investment
	Residential 1-4 family	4		$	750		$	750
	SBA	2		215			215
	Consumer	2		15			15
	Total	8		$	980		$	980
		Three months ended September 30, 2012
	(Dollars in thousands)	Number of		Pre-modification			Post-modification
		restructurings		outstanding			outstanding
				recorded			recorded
				investment			investment
	Residential 1-4 family	5		$	1,777		$	1,777
	Home equity	1		47			47
	SBA	1		51			51
	Consumer	1		13			13
	Total	8		$	1,888		$	1,888
		Nine months ended September 30, 2012
	(Dollars in thousands)	Number of		Pre-modification			Post-modification
		restructurings		outstanding			outstanding
				recorded			recorded
				investment			investment
	Residential 1-4 family	8		$	2,479		$	2,479
	Home Equity	2		72			72
	SBA	2		257			257
	Consumer	2		31			31
	Total	14		$	2,839		$	2,839
Schedule of troubled debt restructurings that subsequently defaulted within 12 months of restructuring	'
		Three months ended September 30, 2013
	(Dollars in thousands)	Number of TDR’s		Post-modification
		that defaulted		outstanding
				recorded investment
	Residential 1-4 family	1		$	174
	SBA	—		—
	Consumer	—		—
	Total	1		$	174
		Nine months ended September 30, 2013
	(Dollars in thousands)	Number of TDR’s		Post-
		that defaulted		modification outstanding
				recorded investment
	Residential 1-4 family	3		$	743
	Home Equity	1		25
	Total	4		$	768
Schedule of changes in the allowance for loan losses by segment	'
	Three months ended September 30, 2013
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance at June 30, 2013	$	416		$	649		$	283	$	28		$	20	$	185		$	16		$	1,597
	Provision	40			59			2		(1		)	3		26			—			129
	Loans charged off	—			(130		)	—		—			—		(5		)	—			(135		)
	Recoveries	3			3			—		—			—		9			2			17
	Allowance at September 30 2013	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
	Nine months ended September 30, 2013
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance at December 31, 2012:	$	393		$	674		$	261	$	25		$	11	$	185		$	20		$	1,569
	Provisions (credit) for loan	56			243			24		2			12		1			—			338
	Loans charged-off	—			(345		)	—		—			—		(13		)	(15		)	(373		)
	Recoveries	10			9			—		—			—		42			13			74
	Allowance at September 30, 2013	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
	Three months ended September 30, 2012
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance at June 30, 2012	$	426		$	382		$	239	$	14		$	7	$	164		$	16		$	1,248
	Provision	5			131			3		—			—		80			33			252
	Loans charged off	(44		)	(83		)	—		—			—		(47		)	(24		)	(198		)
	Recoveries	3			6			—		—			—		9			3			21
	Allowance at September 30 2012	$	390		$	436		$	242	$	14		$	7	$	206		$	28		$	1,323
	Nine Months Ended September 30, 2012
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance at December 31, 2011	$	531		$	501		$	214	$	13		$	1	$	149		$	15		$	1,424
	Provisions (credit) for loan	5			636			28		1			6		117			43			836
	Loans charged-off	(154		)	(708		)	—		—			—		(90		)	(40		)	(992		)
	Recoveries	8			7			—		—			—		30			10			55
	Allowance at September 30, 2012	$	390		$	436		$	242	$	14		$	7	$	206		$	28		$	1,323
Schedule of allowance for loan losses and loan balances by impaired and non-impaired components	'
	September 30, 2013
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance for impaired loans	$	96		$	42		$	—	$	—		$	—	$	47		$	8		$	193
	Allowance for non-impaired loans	363			539			285		27			23		168			10			1,415
	Total	$	459		$	581		$	285	$	27		$	23	$	215		$	18		$	1,608
	Impaired loans	$	6,709		$	453		$	—	$	—		$	—	$	2,472		$	44		$	9,678
	Non-impaired loans	90,305			82,128			83,840		8,054			6,834		35,133			1,658			307,952
	Total loans	$	97,014		$	82,581		$	83,840	$	8,054		$	6,834	$	37,605		$	1,702		$	317,630
	December 31, 2012
	(Dollars in thousands)	Residential			Home			Commercial		Commercial			Commercial		SBA			Consumer			Total
		1-4 family			Equity			Real Estate		Business			Construction
	Allowance for impaired loans	$	104		$	132		$	—	$	—		$	—	$	19		$	7		$	262
	Allowance for non-impaired loans	289			542			261		25			11		166			13			1,307
	Total	$	393		$	674		$	261	$	25		$	11	$	185		$	20		$	1,569
	Impaired loans	$	6,727		$	1,006		$	—	$	—		$	—	$	2,074		$	30		$	9,837
	Non-impaired loans	71,906			82,148			81,754		7,899			3,302		37,554			2,290			286,853
	Total loans	$	78,633		$	83,154		$	81,754	$	7,899		$	3,302	$	39,628		$	2,320		$	296,690

OffBalance_Sheets_Activities_a1

Off-Balance Sheets Activities and Derivatives (Tables)	9 Months Ended
	Sep. 30, 2013
Off-Balance Sheets Activities and Derivatives	'
Schedule of financial instruments outstanding whose contract amounts represent credit risk	'
		September 30			December 31
		2013			2012
		(In thousands)
	Commitments to grant loans	$	7,789		$	9,945
	Commitments to originate loans to be sold	9,659			11,317
	Unfunded commitments under home equity lines of credit	47,152			47,245
	Unfunded commitments under commercial lines of credit	11,185			8,972
	Unfunded commitments under SBA lines of credit	3,090			2,351
	Unadvanced funds on construction loans	8,556			2,045
Schedule of the fair values of derivative instruments in the balance sheet	'
		Assets						Liabilities
		Balance						Balance
		Sheet		Fair				Sheet		Fair
		Location		Value				Location		Value
		(In thousands)
	30-Sep-13
	Derivative loan commitments	Other assets		$	207			NA		$	—
	Forward loan sale commitments	NA		—				Other liabilities		129
	Total derivatives not designated as hedging instruments			$	207					$	129
	31-Dec-12
	Derivative loan commitments	Other assets		$		154		NA		$		—
	Forward loan sale commitments	Other assets		47				NA		—
	Total derivatives not designated as hedging instruments			$		201				$		—
Schedule of information pertaining to the gains and losses on Bank's derivative instruments not designated as hedging instruments	'
	Derivatives Not	Location of		Three Months Ended						Nine Months ended
	Designated As			September 30,						September 30,
	Hedging
	Instruments	Gain/(Loss)		2013			2012			2013			2012
				(in thousands)
	Derivative loan commitments	Gain on sales of loans, net		$	1,512		$	(243	)	$	95		$	415
	Forward loan sale commitments	Gain on sales of loans, net		(1,710		)	294			(176		)	(210		)
				$	(198	)	$	51		$	(81	)	$	205

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Measurements	'
Summary of significant assets and liabilities carried at fair value and placement in the fair value hierarchy	'
		September 30,			Fair Value Measurements using:
		2013
	(Dollars in thousands)	Fair Value			(level 1)			(level 2)		(level 3)
	Assets measured on a recurring basis:
	Derivative loan commitments	$	207		$	—		$	—	$	207
	Liabilities measured on a recurring basis:
	Forward loan sale commitments	129			—			—		129
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	591			—			—		591
	Foreclosed real estate	1,249			—			—		1,249
	Real estate held for sale	3,515			—			—		3,515
		December 31,			Fair Value Measurements using:
		2012
	(Dollars in thousands)	Fair Value			(level 1)			(level 2)		(level 3)
	Assets measured on a recurring basis:
	Forward loan sale commitments	$	47		$	—		$	—	$	47
	Derivative loan commitments	154			—			—		154
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	2,254			—			—		2,254
	Foreclosed real estate	2,594			—			—		2,594
Schedule of change in Level 3 assets and liabilities that are measured on a recurring basis	'
	The table below presents for the three months ended September 30, 2013 and 2012, the change in Level 3 assets and liabilities that are measured on a recurring basis:
		Derivative Loan Commitments and Forward
		Loan Sale Commitments
	(Dollars in thousands)	2013			2012
	Balance at beginning of period	$	1,370		$	346
	Total realized and unrealized gains (losses) included in net income (unaudited)	(198		)	51
	Settlements and closed loans	(1,093		)	(310		)
	Balance at end of period	$	79		$	87
	Total unrealized gains (losses) relating to instruments still held at period end	$	(198	)	$	51
	The table below presents for the nine months ended September 30, 2013 and 2012, the changes in Level 3 assets and liabilities that are measured on a recurring basis.
		Derivative Loan Commitments and Forward
		Loan Sale Commitments
	(Dollars in thousands)	2013			2012
	Balance at beginning of period	$	201		$	358
	Total realized and unrealized gains (losses) included in net income (unaudited)	(81		)	205
	Settlements and closed loans	(41		)	(476		)
	Balance at end of period	$	79		$	87
	Total unrealized gains (losses) relating to instruments still held at period end	$	(81	)	$	205
Schedule of additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis for which the Company utilized Level 3 inputs to determine fair value	'
	September 30, 2013
	(Dollars in thousands)	Fair			Valuation Technique		Unobservable Input		Unobservable
		Value							Input Value or
									Range
	Assets measured on a recurring basis:
	Derivative loan commitments	$	207		Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		99.60-106.92%
	Liabilities measured on a recurring basis:
	Forward loan sale commitments	129			Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		94.38-107.46%
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	591			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
	Foreclosed real estate	1,249			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
	Real estate held for sale	3,515			Appraisal of collateral		Selling costs		5%
	December 31, 2012
	Assets measured on a recurring basis:
	Derivative loan commitments	$	154		Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		101.71-106.13%
	Forward loan sale commitments	47			Investor pricing		Pull-through rate		83.5-100%
							Pricing spreads		101.61-106.17%
	Assets measured on a non-recurring basis:
	Impaired loans (collateral dependent)	2,254			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
	Foreclosed real estate	2,594			Appraisal of collateral		Collateral discounts/selling costs		5% - 30%
Summary of carrying values, estimated fair values and placement in the fair value hierarchy of the Company's financial instruments	'
		September 30, 2013						Fair value measurement
		(unaudited)
	(Dollars in thousands)	Carrying			Fair Value			Level 1 inputs		Level 2 Inputs		Level 3 Inputs
		Amount
	Financial assets:
	Loans, net	$	318,049		$	319,962		$	—	$	—	$	319,962
	Loans held for sale	13,156			13,273							13,273
	FHLB stock	2,694			2,694			—		—		2,694
	Financial liabilities:
	Certificates of deposit	125,033			127,128			—		127,128		—
	Borrowed funds	11,000			11,026			—		11,026		—
		December 31, 2012						Fair value measurement
	(Dollars in thousands)	Carrying			Fair Value			Level 1 inputs		Level 2 Inputs		Level 3 Inputs
		Amount
	Financial assets:
	Loans, net	$	296,999		$	305,797		$	—	$	—	$	305,797
	Loans held for sale	13,642			13,870			—		—		13,870
	FHLB stock	3,036			3,036			—		—		3,036
	Financial liabilities:
	Certificates of deposit	120,376			122,483			—		122,483		—
	Borrowed funds	16,343			16,452			—		16,452		—
	(1)         Excluded from this table are certain financial instruments that approximated their fair value, as they were short-term in nature or payable on demand.  These include cash and cash equivalents, accrued interest receivable, non-term deposit accounts, and accrued interest payable.  The respective carrying values of these instruments would all be considered to be classified within Level 1 of their fair value hierarchy.

Basis_of_Presentation_and_Cons2

Basis of Presentation and Consolidation (Details) (USD $)	Aug. 22, 2013	Aug. 22, 2013	Aug. 22, 2013	Aug. 22, 2013	Sep. 30, 2013
	Plan of Conversion and Reorganization	Plan of Conversion and Reorganization	Plan of Conversion and Reorganization	Bank	LLC
		Minimum	Maximum	Plan of Conversion and Reorganization	Bank
Basis of presentation and consolidation	'	'	'	'	'
Ownership percentage	'	'	'	100.00%	100.00%
Number of shares of common stock offering on a priority basis to qualifying depositors and tax qualified employee benefit plans	'	3,102,500	4,827,125	'	'
Amount of cash contribution to Coastway Cares Charitable Foundation II	$300,000	'	'	'	'
Total contribution to Coastway Cares Charitable Foundation II as a percentage of gross proceeds of offering	3.15%	'	'	'	'
Ownership percentage held by public stockholders	100.00%	'	'	'	'

Loans_Details

Loans (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Loans	'	'	'	'	'	'
Total loans	$317,630	'	$296,690	'	'	'
Allowance for loan losses	-1,608	-1,597	-1,569	-1,323	-1,248	-1,424
Net deferred loan costs	2,027	'	1,878	'	'	'
Loans, net	318,049	'	296,999	'	'	'
Historical loss period used to capture relevant loss data for each loan segment	'10 years	'	'	'	'	'
Period of charge off trends to be considered for adjustment to historical loss factor	'3 years	'	'	'	'	'
1-4 family	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	97,014	'	78,633	'	'	'
Allowance for loan losses	-459	-416	-393	-390	-426	-531
Home equity loans and lines of credit	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	82,581	'	83,154	'	'	'
Allowance for loan losses	-581	-649	-674	-436	-382	-501
Commercial real estate	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	83,840	'	81,754	'	'	'
Allowance for loan losses	-285	-283	-261	-242	-239	-214
Commercial business	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	8,054	'	7,899	'	'	'
Allowance for loan losses	-27	-28	-25	-14	-14	-13
Commercial construction	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	6,834	'	3,302	'	'	'
Allowance for loan losses	-23	-20	-11	-7	-7	-1
SBA	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	37,605	'	39,628	'	'	'
Allowance for loan losses	-215	-185	-185	-206	-164	-149
Consumer	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	1,702	'	2,320	'	'	'
Allowance for loan losses	-18	-16	-20	-28	-16	-15
Residential real estate mortgage loans	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	179,595	'	161,787	'	'	'
Residential real estate mortgage loans | 1-4 family	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	97,014	'	78,633	'	'	'
Residential real estate mortgage loans | 1-4 family | Minimum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Term of loan	'10 years	'	'	'	'	'
Residential real estate mortgage loans | 1-4 family | Maximum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Term of loan	'30 years	'	'	'	'	'
Loan-to-value ratio (as a percent)	90.00%	'	'	'	'	'
Residential real estate mortgage loans | Home equity loans and lines of credit	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	82,581	'	83,154	'	'	'
Residential real estate mortgage loans | Home equity loans and lines of credit | Maximum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Term of loan	'15 years	'	'	'	'	'
Loan-to-value ratio (as a percent)	80.00%	'	'	'	'	'
Commercial loans	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	136,333	'	132,583	'	'	'
Commercial loans | Commercial real estate	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	83,840	'	81,754	'	'	'
Period of FHLB rate above which margin will be added to compute adjustable-rate	'5 years	'	'	'	'	'
Commercial loans | Commercial real estate | Minimum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Term of loan	'5 years	'	'	'	'	'
Amortization term of loan	'15 years	'	'	'	'	'
Commercial loans | Commercial real estate | Maximum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Term of loan	'10 years	'	'	'	'	'
Loan-to-value ratio (as a percent)	75.00%	'	'	'	'	'
Amortization term of loan	'20 years	'	'	'	'	'
Commercial loans | Multi-family | Maximum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Loan-to-value ratio (as a percent)	80.00%	'	'	'	'	'
Commercial loans | Commercial business	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	8,054	'	7,899	'	'	'
Commercial loans | Commercial construction	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	6,834	'	3,302	'	'	'
Loans provided as a percentage of projected costs	50.00%	'	'	'	'	'
Commercial loans | SBA	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Total loans	$37,605	'	$39,628	'	'	'
Commercial loans | SBA | Maximum	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Percentage of principal and accrued interest that may qualify for guarantees	85.00%	'	'	'	'	'

Loans_Details_2

Loans (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Credit Quality Indicators	'	'
Total loans	$317,630	$296,690
Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	136,333	132,583
Commercial Real Estate	'	'
Credit Quality Indicators	'	'
Total loans	83,840	81,754
Commercial Real Estate | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	83,840	81,754
Commercial Business	'	'
Credit Quality Indicators	'	'
Total loans	8,054	7,899
Commercial Business | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	8,054	7,899
Commercial Construction	'	'
Credit Quality Indicators	'	'
Total loans	6,834	3,302
Commercial Construction | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	6,834	3,302
SBA	'	'
Credit Quality Indicators	'	'
Total loans	37,605	39,628
SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	37,605	39,628
Loans rated 1 -5 | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	124,192	120,075
Loans rated 1 -5 | Commercial Real Estate | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	80,798	80,138
Loans rated 1 -5 | Commercial Business | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	7,615	7,234
Loans rated 1 -5 | Commercial Construction | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	5,657	3,302
Loans rated 1 -5 | SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	30,122	29,401
Loans rated 5.5 | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	7,442	5,996
Loans rated 5.5 | Commercial Real Estate | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	2,868	1,616
Loans rated 5.5 | Commercial Business | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	179	176
Loans rated 5.5 | Commercial Construction | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	1,177	'
Loans rated 5.5 | SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	3,218	4,204
Loans rated 6 | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	761	1,257
Loans rated 6 | Commercial Real Estate | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	174	'
Loans rated 6 | SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	587	1,257
Loans rated 7 | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	3,774	5,255
Loans rated 7 | Commercial Business | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	260	489
Loans rated 7 | SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	3,514	4,766
Loans rated 8 | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	164	'
Loans rated 8 | SBA | Commercial loans	'	'
Credit Quality Indicators	'	'
Total loans	$164	'

Loans_Details_3

Loans (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Past due loans	'	'
30-59 Days Past Due	$563	$2,149
60-90 Days Past Due	1,059	800
90 Days or More Past Due	2,646	3,786
Total Past Due	4,268	6,735
Loans on Non-accrual	6,543	7,661
Consumer	'	'
Past due loans	'	'
30-59 Days Past Due	10	42
60-90 Days Past Due	10	'
Total Past Due	20	42
Loans on Non-accrual	13	13
Residential 1-4 family	'	'
Past due loans	'	'
30-59 Days Past Due	'	1,721
60-90 Days Past Due	756	717
90 Days or More Past Due	1,637	2,652
Total Past Due	2,393	5,090
Loans on Non-accrual	4,991	5,773
Home equity loans and lines of credit	'	'
Past due loans	'	'
30-59 Days Past Due	553	25
60-90 Days Past Due	'	83
90 Days or More Past Due	177	640
Total Past Due	730	748
Loans on Non-accrual	253	804
SBA	'	'
Past due loans	'	'
30-59 Days Past Due	'	361
60-90 Days Past Due	293	'
90 Days or More Past Due	832	494
Total Past Due	1,125	855
Loans on Non-accrual	$1,286	$1,071

Loans_Details_4

Loans (Details 4) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Period of current payments after which loans are returned to accrual status after a period of satisfactory payment performance	'	'	'6 months	'	'
Unpaid contractual principal balance	$9,893,000	'	$9,893,000	'	$10,205,000
Total recorded investment in impaired loans	9,678,000	'	9,678,000	'	9,837,000
Recorded investment with no allowance	6,198,000	'	6,198,000	'	5,202,000
Recorded investment with allowance	3,480,000	'	3,480,000	'	4,635,000
Related allowance	193,000	'	193,000	'	262,000
Average recorded investment	9,836,000	8,072,000	9,741,000	8,880,000	'
Interest income recognized	51,000	89,000	239,000	235,000	'
Consumer	'	'	'	'	'
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Unpaid contractual principal balance	44,000	'	44,000	'	30,000
Total recorded investment in impaired loans	44,000	'	44,000	'	30,000
Recorded investment with no allowance	10,000	'	10,000	'	'
Recorded investment with allowance	34,000	'	34,000	'	30,000
Related allowance	8,000	'	8,000	'	7,000
Average recorded investment	37,000	36,000	37,000	49,000	'
Residential 1-4 family	'	'	'	'	'
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Unpaid contractual principal balance	6,783,000	'	6,783,000	'	6,801,000
Total recorded investment in impaired loans	6,709,000	'	6,709,000	'	6,727,000
Recorded investment with no allowance	4,065,000	'	4,065,000	'	3,256,000
Recorded investment with allowance	2,644,000	'	2,644,000	'	3,471,000
Related allowance	96,000	'	96,000	'	104,000
Average recorded investment	6,895,000	5,605,000	6,810,000	5,878,000	'
Interest income recognized	29,000	62,000	164,000	156,000	'
Home equity loans and lines of credit	'	'	'	'	'
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Unpaid contractual principal balance	519,000	'	519,000	'	1,174,000
Total recorded investment in impaired loans	453,000	'	453,000	'	1,006,000
Recorded investment with no allowance	266,000	'	266,000	'	322,000
Recorded investment with allowance	187,000	'	187,000	'	684,000
Related allowance	42,000	'	42,000	'	132,000
Average recorded investment	535,000	684,000	686,000	814,000	'
Interest income recognized	5,000	10,000	25,000	19,000	'
Commercial real estate	'	'	'	'	'
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Average recorded investment	37,000	'	37,000	'	'
SBA	'	'	'	'	'
Recorded investment in impaired loans and the related specific allowance allocated	'	'	'	'	'
Unpaid contractual principal balance	2,547,000	'	2,547,000	'	2,200,000
Total recorded investment in impaired loans	2,472,000	'	2,472,000	'	2,074,000
Recorded investment with no allowance	1,857,000	'	1,857,000	'	1,624,000
Recorded investment with allowance	615,000	'	615,000	'	450,000
Related allowance	47,000	'	47,000	'	19,000
Guaranteed portions of impaired loans	2,100,000	'	2,100,000	'	1,800,000
Average recorded investment	2,332,000	1,747,000	2,178,000	2,139,000	'
Interest income recognized	$17,000	$17,000	$49,000	$60,000	'

Loans_Details_5

Loans (Details 5) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	item	item	item	item
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Total TDR loans	$6,700,000	'	$6,700,000	'	$6,200,000
Number of restructurings	2	8	8	14	'
Pre-modification outstanding recorded investment	365,000	1,888,000	980,000	2,839,000	'
Post-modification outstanding recorded investment	365,000	1,888,000	980,000	2,839,000	'
Troubled debt restructurings that subsequently defaulted within 12 months of restructuring	'	'	'	'	'
Number of TDR's that defaulted	1	'	4	'	'
Post-modification outstanding recorded investment	174,000	'	768,000	'	'
Residential 1-4 family	'	'	'	'	'
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Number of restructurings	1	5	4	8	'
Pre-modification outstanding recorded investment	280,000	1,777,000	750,000	2,479,000	'
Post-modification outstanding recorded investment	280,000	1,777,000	750,000	2,479,000	'
Troubled debt restructurings that subsequently defaulted within 12 months of restructuring	'	'	'	'	'
Number of TDR's that defaulted	1	'	3	'	'
Post-modification outstanding recorded investment	174,000	'	743,000	'	'
Home Equity	'	'	'	'	'
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Number of restructurings	'	1	'	2	'
Pre-modification outstanding recorded investment	'	47,000	'	72,000	'
Post-modification outstanding recorded investment	'	47,000	'	72,000	'
Troubled debt restructurings that subsequently defaulted within 12 months of restructuring	'	'	'	'	'
Number of TDR's that defaulted	'	'	1	'	'
Post-modification outstanding recorded investment	'	'	25,000	'	'
SBA	'	'	'	'	'
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Number of restructurings	1	1	2	2	'
Pre-modification outstanding recorded investment	85,000	51,000	215,000	257,000	'
Post-modification outstanding recorded investment	85,000	51,000	215,000	257,000	'
Consumer	'	'	'	'	'
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Number of restructurings	'	1	2	2	'
Pre-modification outstanding recorded investment	'	13,000	15,000	31,000	'
Post-modification outstanding recorded investment	'	13,000	15,000	31,000	'
Accrual status	'	'	'	'	'
Troubled Debt Restructurings (TDRs)	'	'	'	'	'
Total TDR loans	$3,100,000	'	$3,100,000	'	$2,200,000

Loans_Details_6

Loans (Details 6) (USD $)	3 Months Ended		9 Months Ended		3 Months Ended		9 Months Ended		3 Months Ended		9 Months Ended		3 Months Ended		9 Months Ended		3 Months Ended		9 Months Ended		3 Months Ended	9 Months Ended			3 Months Ended	9 Months Ended			3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2012	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
					Consumer	Consumer	Consumer	Consumer	Residential 1-4 family	Residential 1-4 family	Residential 1-4 family	Residential 1-4 family	Home Equity	Home Equity	Home Equity	Home Equity	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Business	Commercial Business	Commercial Business	Commercial Business	Commercial Construction	Commercial Construction	Commercial Construction	Commercial Construction	SBA	SBA	SBA	SBA
Changes in the allowance for loan losses by segment	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Allowance at beginning of the period	$1,597	$1,248	$1,569	$1,424	$16	$16	$20	$15	$416	$426	$393	$531	$649	$382	$674	$501	$283	$239	$261	$214	$28	$25	$13	$14	$20	$11	$1	$7	$185	$164	$185	$149
Provisions (credit) for loan	129	252	338	836	'	33	'	43	40	5	56	5	59	131	243	636	2	3	24	28	-1	2	1	'	3	12	6	'	26	80	1	117
Loans charged-off	-135	-198	-373	-992	'	-24	-15	-40	'	-44	'	-154	-130	-83	-345	-708	'	'	'	'	'	'	'	'	'	'	'	'	-5	-47	-13	-90
Recoveries	17	21	74	55	2	3	13	10	3	3	10	8	3	6	9	7	'	'	'	'	'	'	'	'	'	'	'	'	9	9	42	30
Allowance at the end of the period	$1,608	$1,323	$1,608	$1,323	$18	$28	$18	$28	$459	$390	$459	$390	$581	$436	$581	$436	$285	$242	$285	$242	$27	$27	$14	$14	$23	$23	$7	$7	$215	$206	$215	$206

Loans_Details_7

Loans (Details 7) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Loans	'	'	'	'	'	'
Allowance for impaired loans	$193	'	$262	'	'	'
Allowance for non-impaired loans	1,415	'	1,307	'	'	'
Total	1,608	1,597	1,569	1,323	1,248	1,424
Impaired loans	9,678	'	9,837	'	'	'
Non-impaired loans	307,952	'	286,853	'	'	'
Total Loans	317,630	'	296,690	'	'	'
Consumer	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for impaired loans	8	'	7	'	'	'
Allowance for non-impaired loans	10	'	13	'	'	'
Total	18	16	20	28	16	15
Impaired loans	44	'	30	'	'	'
Non-impaired loans	1,658	'	2,290	'	'	'
Total Loans	1,702	'	2,320	'	'	'
Residential 1-4 family	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for impaired loans	96	'	104	'	'	'
Allowance for non-impaired loans	363	'	289	'	'	'
Total	459	416	393	390	426	531
Impaired loans	6,709	'	6,727	'	'	'
Non-impaired loans	90,305	'	71,906	'	'	'
Total Loans	97,014	'	78,633	'	'	'
Home Equity	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for impaired loans	42	'	132	'	'	'
Allowance for non-impaired loans	539	'	542	'	'	'
Total	581	649	674	436	382	501
Impaired loans	453	'	1,006	'	'	'
Non-impaired loans	82,128	'	82,148	'	'	'
Total Loans	82,581	'	83,154	'	'	'
Commercial Real Estate	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for non-impaired loans	285	'	261	'	'	'
Total	285	283	261	242	239	214
Non-impaired loans	83,840	'	81,754	'	'	'
Total Loans	83,840	'	81,754	'	'	'
Commercial Business	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for non-impaired loans	27	'	25	'	'	'
Total	27	28	25	14	14	13
Non-impaired loans	8,054	'	7,899	'	'	'
Total Loans	8,054	'	7,899	'	'	'
Commercial Construction	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for non-impaired loans	23	'	11	'	'	'
Total	23	20	11	7	7	1
Non-impaired loans	6,834	'	3,302	'	'	'
Total Loans	6,834	'	3,302	'	'	'
SBA	'	'	'	'	'	'
Loans	'	'	'	'	'	'
Allowance for impaired loans	47	'	19	'	'	'
Allowance for non-impaired loans	168	'	166	'	'	'
Total	215	185	185	206	164	149
Impaired loans	2,472	'	2,074	'	'	'
Non-impaired loans	35,133	'	37,554	'	'	'
Total Loans	$37,605	'	$39,628	'	'	'

Employee_Benefits_Details

Employee Benefits (Details) (USD $)	1 Months Ended	9 Months Ended	3 Months Ended	0 Months Ended	3 Months Ended		9 Months Ended		12 Months Ended
	Jul. 31, 2013	Sep. 30, 2013	Sep. 30, 2013	Jul. 02, 2013	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2013
			SERP	SERP	Pension	Pension	Pension	Pension	Pension
				Executive officers
				item
Employee Benefits	'	'	'	'	'	'	'	'	'
Purchase of Bank-owned life insurance policies	$4,000,000	$4,000,000	'	'	'	'	'	'	'
Employee benefits	'	'	'	'	'	'	'	'	'
Number of employees with whom the entity entered into agreements	'	'	'	6	'	'	'	'	'
Expense	'	'	79,000	'	12,000	12,000	36,000	36,000	'
Expected contribution for the current plan year	'	'	'	'	'	'	'	'	$71,000

OffBalance_Sheets_Activities_a2

Off-Balance Sheets Activities and Derivatives (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Commitments to grant loans	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	$7,789	$9,945
Commitments to originate loans to be sold	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	9,659	11,317
Unfunded commitments under home equity lines of credit	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	47,152	47,245
Unfunded commitments under commercial lines of credit	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	11,185	8,972
Unfunded commitments under SBA lines of credit	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	3,090	2,351
Unadvanced funds on construction loans	'	'
Loan Commitments	'	'
Outstanding financial instruments whose contract amounts represent credit risk	$8,556	$2,045

OffBalance_Sheets_Activities_a3

Off-Balance Sheets Activities and Derivatives (Details 2) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Forward loan sale commitments	'	'
Fair values of derivative instruments in the balance sheet	'	'
Commitments to sell loans	$22,461,000	$24,728,000
Not Designated As Hedging Instruments	'	'
Fair values of derivative instruments in the balance sheet	'	'
Assets, Fair Value	207,000	201,000
Liabilities, Fair Value	129,000	'
Not Designated As Hedging Instruments | Derivative loan commitments | Other assets	'	'
Fair values of derivative instruments in the balance sheet	'	'
Assets, Fair Value	207,000	154,000
Not Designated As Hedging Instruments | Derivative loan commitments | Other liabilities	'	'
Fair values of derivative instruments in the balance sheet	'	'
Liabilities, Fair Value	129,000	'
Not Designated As Hedging Instruments | Forward loan sale commitments | Other assets	'	'
Fair values of derivative instruments in the balance sheet	'	'
Assets, Fair Value	'	$47,000

OffBalance_Sheets_Activities_a4

Off-Balance Sheets Activities and Derivatives (Details 3) (Not Designated As Hedging Instruments, USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Gains and losses on derivative instruments	'	'	'	'
Gains (losses) on derivative instruments	($198)	$51	($81)	$205
Derivative loan commitments | Gain on sales of loans, net	'	'	'	'
Gains and losses on derivative instruments	'	'	'	'
Gains (losses) on derivative instruments	1,512	-243	95	415
Forward loan sale commitments | Gain on sales of loans, net	'	'	'	'
Gains and losses on derivative instruments	'	'	'	'
Gains (losses) on derivative instruments	($1,710)	$294	($176)	($210)

OffBalance_Sheets_Activities_a5

Off-Balance Sheets Activities and Derivatives (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Jun. 30, 2013	Jun. 30, 2013
			New corporate headquarters currently under construction	Current headquarters
Premises and Equipment	'	'	'	'
Purchase price	'	'	$8,800,000	'
Carrying value	$23,950,000	$24,919,000	'	$3,400,000

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
			item
Fair value measurements	'	'	'	'	'
Fair value, Foreclosed real estate	$1,659,000	'	$1,659,000	'	$2,594,000
Fair value, Real estate held for sale	3,515,000	'	3,515,000	'	'
Losses on collateral dependent impaired loans	91,000	118,000	220,000	244,000	'
Losses on foreclosed real estate	11,000	41,000	233,000	41,000	'
Number of properties classified in real estate held for sale adjusted to fair value less cost to sell	'	'	2	'	'
Impairment loss on real estate held for sale	'	0	482,000	0	'
Recurring	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Liabilities measured at fair value	'	'	'	'	0
Recurring | Fair Value | Derivative loan commitments	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair Value, Assets	207,000	'	207,000	'	154,000
Recurring | Fair Value | Forward loan sale commitments	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair Value, Assets	'	'	'	'	47,000
Fair Value, Liabilities	129,000	'	129,000	'	'
Recurring | (level 3) | Derivative loan commitments	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair Value, Assets	207,000	'	207,000	'	154,000
Recurring | (level 3) | Forward loan sale commitments	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair Value, Assets	'	'	'	'	47,000
Fair Value, Liabilities	129,000	'	129,000	'	'
Non-recurring	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Liabilities measured at fair value	0	'	0	'	0
Non-recurring | Fair Value	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair value, Impaired loans (collateral dependent)	591,000	'	591,000	'	2,254,000
Fair value, Foreclosed real estate	1,249,000	'	1,249,000	'	2,594,000
Fair value, Real estate held for sale	3,515,000	'	3,515,000	'	'
Non-recurring | (level 3)	'	'	'	'	'
Fair value measurements	'	'	'	'	'
Fair value, Impaired loans (collateral dependent)	591,000	'	591,000	'	2,254,000
Fair value, Foreclosed real estate	1,249,000	'	1,249,000	'	2,594,000
Fair value, Real estate held for sale	$3,515,000	'	$3,515,000	'	'

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Derivative Loan Commitments and Forward Loan Sale Commitments, change in Level 3 assets and liabilities that are measured on a recurring basis	'	'	'	'
Balance at beginning of period	$1,370	$346	$201	$358
Total realized and unrealized gains (losses) included in net income (unaudited)	-198	51	-81	205
Settlements and closed loans	-1,093	-310	-41	-476
Balance at end of period	79	87	79	87
Derivative Loan Commitments and Forward Loan Sale Commitments, total unrealized gains (losses) relating to instruments still held at period end	($198)	$51	($81)	$205

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 3) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair value, Real estate held for sale	3,515	'
Recurring | Level 3 | Derivative loan commitments	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair Value, Assets	207	154
Recurring | Level 3 | Derivative loan commitments | Investor pricing | Minimum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Pull-through rate (as a percent)	83.50%	83.50%
Pricing spreads (as a percent)	99.60%	101.71%
Recurring | Level 3 | Derivative loan commitments | Investor pricing | Maximum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Pull-through rate (as a percent)	100.00%	100.00%
Pricing spreads (as a percent)	106.92%	106.13%
Recurring | Level 3 | Forward loan sale commitments	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair Value, Assets	'	47
Fair Value, Liabilities	129	'
Recurring | Level 3 | Forward loan sale commitments | Investor pricing | Minimum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Pull-through rate (as a percent)	83.50%	83.50%
Pricing spreads (as a percent)	94.38%	101.61%
Recurring | Level 3 | Forward loan sale commitments | Investor pricing | Maximum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Pull-through rate (as a percent)	100.00%	100.00%
Pricing spreads (as a percent)	107.46%	106.17%
Non-recurring | Level 3	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair value, Impaired loans (collateral dependent)	591	2,254
Fair value, Real estate held for sale	3,515	'
Non-recurring | Level 3 | Impaired loans (collateral dependent)	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair value, Impaired loans (collateral dependent)	591	2,254
Non-recurring | Level 3 | Impaired loans (collateral dependent) | Appraisal of collateral | Minimum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Collateral discounts/selling costs (as a percent)	5.00%	5.00%
Non-recurring | Level 3 | Impaired loans (collateral dependent) | Appraisal of collateral | Maximum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Collateral discounts/selling costs (as a percent)	30.00%	30.00%
Non-recurring | Level 3 | Foreclosed real estate	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair value, Foreclosed real estate	1,249	2,594
Non-recurring | Level 3 | Foreclosed real estate | Appraisal of collateral | Minimum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Collateral discounts/selling costs (as a percent)	5.00%	5.00%
Non-recurring | Level 3 | Foreclosed real estate | Appraisal of collateral | Maximum	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Collateral discounts/selling costs (as a percent)	30.00%	30.00%
Non-recurring | Level 3 | Real estate held for sale	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Fair value, Real estate held for sale	3,515	'
Non-recurring | Level 3 | Real estate held for sale | Appraisal of collateral	'	'
Additional quantitative information about assets and liabilities measured at fair value on a recurring and non-recurring basis	'	'
Selling costs (as a percent)	5.00%	'

Fair_Value_Measurements_Detail3

Fair Value Measurements (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial liabilities:	'	'
Borrowed funds	$11,000	$16,343
Level 2 Inputs	'	'
Financial liabilities:	'	'
Certificates of deposit	127,128	122,483
Borrowed funds	11,026	16,452
Level 3 Inputs	'	'
Financial assets:	'	'
Loans, net	319,962	305,797
Loans held for sale	13,273	13,870
FHLB stock	2,694	3,036
Carrying Amount	'	'
Financial assets:	'	'
Loans, net	318,049	296,999
Loans held for sale	13,156	13,642
FHLB stock	2,694	3,036
Financial liabilities:	'	'
Certificates of deposit	125,033	120,376
Borrowed funds	11,000	16,343
Fair Value	'	'
Financial assets:	'	'
Loans, net	319,962	305,797
Loans held for sale	13,273	13,870
FHLB stock	2,694	3,036
Financial liabilities:	'	'
Certificates of deposit	127,128	122,483
Borrowed funds	$11,026	$16,452

Subsequent_Event_Details

Subsequent Event (Details) (Subsequent event, Monthly user fees related to loan application management services contract, USD $)	Oct. 31, 2013
Subsequent event | Monthly user fees related to loan application management services contract	'
Subsequent event	'
Claim amount	$178,000