Wells Financial (WEFP) 10-Q 29 Jun 15 2015 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2015	Jun. 24, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	WELLS FINANCIAL CORP
Entity Central Index Key	934,739
Trading Symbol	wefp
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		736,022
Document Type	10-Q
Document Period End Date	Mar. 31, 2015
Amendment Flag	false
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q1

Consolidated Balance Sheets (un

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents, including interest-bearing accounts, 2015, $8,835; 2014, $7,411	$ 12,982	$ 14,373
Certificates of deposit, at cost	3,691	4,181
Federal funds sold	8,000	2,000
Securities available for sale	32,636	34,177
Federal Home Loan Bank stock, at cost	2,093	2,079
Loans held for sale	2,746	1,707
Loans receivable, net of allowance for loan loss of $2,252 in 2015; $2,158 in 2014;	178,782	182,050
Accrued interest receivable	804	834
Premises and equipment, net	3,123	3,172
Mortgage servicing rights, net	1,863	1,886
Foreclosed real estate	3,538	3,656
Other assets	1,351	1,711
Total assets	251,609	251,826
Liabilities
Deposits	219,829	221,972
Advances from borrowers for taxes and insurance	3,851	2,630
Accrued interest payable	37	17
Accrued expenses and other liabilities	803	588
Total liabilities	$ 224,520	$ 225,207
Commitments, Contingencies and Credit Risk
Mezzanine Equity
Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued and outstanding	$ 2,533	$ 2,533
Stockholders' Equity
Preferred stock, no par value; 500,000 shares authorized; none Outstanding
Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued	$ 209	$ 209
Additional paid-in capital	17,113	17,110
Retained earnings, substantially restricted	35,911	35,552
Accumulated other comprehensive income	216	93
Treasury stock, 2015, 1,445,804 shares; 2014, 1,445,248 shares	(28,893)	(28,878)
Total stockholders' equity	24,556	24,086
Total liabilities, mezzanine equity and stockholders' equity	$ 251,609	$ 251,826

Consolidated Balance Sheets (u3

Consolidated Balance Sheets (unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Interest-bearing accounts	$ 8,835	$ 7,411
Allowance for loan loss	$ 2,252	$ 2,158
Redeemable common stock held by ESOP (in dollar per share)	$ 0.10	$ 0.10
Redeemable common stock held by ESOP, shares issued	95,602	95,602
Redeemable common stock held by ESOP, shares outstanding	95,602	95,602
Preferred stock, par value (in dollars per share)
Preferred stock, shares authorized	500,000	500,000
Preferred stock, shares outstanding
Common stock, per value (in dollars per share)	$ 0.10	$ 0.10
Common stock, share authorized	7,000,000	7,000,000
Common stock, share issued	2,091,898	2,091,898
Treasury stock, shares	1,445,804	1,445,248

Consolidated Statements of Inco

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Loans receivable	$ 2,175	$ 1,917
Investment securities and interest-bearing deposits	165	194
Total interest income	2,340	2,111
Interest expense:
Deposits	117	160
Total interest expense	117	160
Net interest income	2,223	1,951
Provision for loan losses	70	170
Net interest income after provision for loan losses	2,153	1,781
Noninterest income:
Gain on sale of loans held for sale	165	176
Loan servicing fees	215	225
Insurance commissions	172	141
Fees and service charges	106	105
Other	224	252
Total noninterest income	882	899
Noninterest expenses:
Compensation and benefits	1,112	1,179
Occupancy	184	208
Data processing	214	215
Advertising	59	48
Amortization of mortgage servicing rights	73	71
Other real estate owned	114	56
Other	473	484
Total noninterest expenses	2,229	2,261
Income before income taxes	806	419
Income tax expense	313	168
Net income	$ 493	$ 251
Earnings per share:
Basic (in dollars per share)	$ 0.66	$ 0.33
Diluted (in dollars per share)	$ 0.66	$ 0.33

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 493	$ 251
Other comprehensive income:
Unrealized gain on securities, net of related taxes	123	254
Comprehensive income	$ 616	$ 505

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (unaudited) - 3 months ended Mar. 31, 2015 - USD ($) $ in Thousands, None in scaling factor is -9223372036854775296	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total	Mezzanine equity redeemable common stock
Balance at Dec. 31, 2014	$ 209	$ 17,110	$ 35,552	$ 93	$ (28,878)	$ 24,086	$ 2,533
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			493			493
Other comprehensive income, net of related taxes				123		123
Cash dividends declared ($0.18 per share)			(134)			(134)
Stock-based compensation		3				3
Treasury stock purchases, 556 shares					(15)	$ (15)
Change in fair value related to redeemable common stock
Balance at Mar. 31, 2015	$ 209	$ 17,113	$ 35,911	$ 216	$ (28,893)	$ 24,556	$ 2,533

Consolidated Statements of Sto7

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (unaudited) (Parantheticals) - 3 months ended Mar. 31, 2015 - $ / shares	Total
Statement of Stockholders' Equity [Abstract]
Cash dividends	$ 0.18
Treasury stock purchases (in shares)	556

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Cash Flows From Operating Activities
Net income	$ 493	$ 251
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for loan losses	70	170
Gain on sale of loans	(165)	(176)
Originations of loans held for sale	(5,635)	(5,848)
Proceeds from the sale of loans held for sale	4,761	6,669
Net change in mortgage servicing rights	23	18
Loss (gain) on sales of foreclosed real estate, net	13	(21)
Depreciation expense	50	45
Amortization of net deferred loan origination fees	(23)	(22)
Amortization of securities premiums	52	50
Impairment of foreclosed real estate	10	26
Stock-based compensation expense	3	8
Changes in assets and liabilities:
Accrued interest receivable	30	80
Other assets	360	52
Accrued expenses and other liabilities	150	203
Net cash provided by operating activities	192	1,505
Cash Flows From Investing Activities
Net decrease in loans	3,257	946
Net decrease in certificates of deposit	490	245
Net increase in federal funds sold	(6,000)	(6,500)
Purchase of Federal Home Loan Bank stock	(40)	(41)
Proceeds from sale of Federal Home Loan Bank stock	26	26
Purchase of securities available-for-sale	(280)	(1,871)
Maturities and sale of available-for-sale securities	1,977	$ 7,363
Purchase of premises and equipment	(1)
Proceeds from sales of foreclosed real estate	59	$ 332
Net cash (used in) provided by investing activities	(512)	500
Cash Flows From Financing Activities
Net decrease in deposits	(2,143)	(206)
Net increase in advances from borrowers for taxes and insurance	1,221	1,310
Dividends paid	(134)	(114)
Purchase of treasury stock	(15)	(177)
Net cash (used in) provided by financing activities	(1,071)	813
Net (decrease) increase in cash and cash equivalents	(1,391)	2,818
Cash and Cash Equivalents
Beginning	14,373	12,625
Ending	$ 12,982	$ 15,443

Nature of Operations

Nature of Operations	3 Months Ended
	Mar. 31, 2015
Nature Of Operations [Abstract]
Nature of Operations	Note 1. Nature of Operations Operations of Wells Financial Corp. (the Company) primarily consist of banking services through Wells Federal Bank (the Bank), and Wells Insurance Agency, Inc., a property and casualty insurance agency. The Company serves its customers through the Bank’s nine locations in south central Minnesota.

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 2. Summary of Significant Accounting Policies Basis of Financial Statement Presentation: Segment reporting:

Certificates of Deposit

Certificates of Deposit	3 Months Ended
	Mar. 31, 2015
Certificates Of Deposit [Abstract]
Certificates of Deposit	Note 3. Certificates of Deposit Certificates of deposit with a carrying value of $3,691 and $4,181 at March 31, 2015 and December 31, 2014, respectively, had weighted-average yields of 0.46 and 0.41 percent, respectively and contractual maturities of less than one year.

Securities Available for Sale

Securities Available for Sale	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	Note 4. Securities Available for Sale March 31, 2015 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 21,686 $ 113 $ (68 ) $ 21,731 SBA pools 1,739 6 (3 ) 1,742 Obligations of states and political subdivisions 8,810 245 (15 ) 9,040 Government-sponsored enterprise equity 40 83 - 123 $ 32,275 $ 447 $ (86 ) $ 32,636 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,677 $ 60 $ (191 ) $ 22,545 SBA pools 1,835 6 (9 ) 1,832 Obligations of states and political subdivisions 9,474 250 (26 ) 9,698 Government-sponsored enterprise equity 40 62 - 102 $ 34,026 $ 378 $ (226 ) $ 34,177 Contractual maturities: March 31, 2015 Amortized Cost Fair Value Due in one year or less $ 842 $ 846 Due in one to five years 3,643 3,705 Due after five through 10 years 2,703 2,787 Due after 10 years 1,622 1,702 8,810 9,040 Residential mortgage-backed agencies 21,686 21,731 SBA pools 1,739 1,742 Government-sponsored enterprise equity 40 123 $ 32,275 $ 32,636 Pledged securities: Securities with a carrying value of $21,538 and $20,961 at March 31, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds and for other purposes as required or permitted by law. Changes in other comprehensive income—unrealized gains on securities available for sale: Three Months Ended March 31, 2015 2014 Balance, beginning $ 93 $ (264 ) Unrealized gains (losses) during the year 208 431 Deferred tax effect relating to unrealized gain (85 ) (177 ) Balance, ending $ 216 $ (10 ) Temporarily impaired securities: March 31, 2015 Continuous Unrealized Continuous Unrealized Losses Existing Losses Existing Greater Than 12 12 Months or Less Months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Loss Value Loss Value Loss Residential mortgage-backed agencies $ 2,190 $ 8 $ 8,501 $ 60 $ 10,691 $ 68 SBA pools - - 1,073 3 1,073 3 Obligations of states and political subdivisions 1,224 3 927 12 2,151 15 $ 3,414 $ 11 $ 10,501 $ 75 $ 13,915 $ 86 December 31, 2014 Continuous Unrealized Continuous Unrealized Losses Existing Losses Existing 12 Months or Less Greater Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Loss Value Loss Value Loss Residential mortgage-backed agencies $ 5,679 $ 20 $ 10,566 $ 171 $ 16,245 $ 191 SBA pools - - 1,250 9 1,250 9 Obligations of states and political subdivisions 1,495 6 1,180 20 2,675 26 $ 7,174 $ 26 $ 12,996 $ 200 $ 20,170 $ 226 There were 25 and 37 securities in unrealized loss positions as of March 31, 2015 and December 31, 2014, respectively. Unrealized losses are deemed to be temporary. Most of these underlying securities consist of mortgage-backed securities. Market fluctuations are caused primarily by changes in interest rates and prepayments of underlying mortgages. Volatility in economic conditions influences the prices of these securities. There were no sales of available-for-sale securities during the three months ended March 31, 2015 and 2014.

Loans Receivable and Loans Held

Loans Receivable and Loans Held for Sale	3 Months Ended
	Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]
Loans Receivable and Loans Held for Sale	Note 5. Loans Receivable and Loans Held for Sale Composition of loans receivable: March 31, December 31, 2015 2014 Residential real estate $ 56,932 $ 56,674 Commercial real estate 33,696 30,653 Agricultural real estate 37,491 38,128 Commercial construction real estate 182 4,035 Residential construction real estate 813 940 Home equity, home improvement and second mortgages 32,293 32,741 Commercial operating and term 5,989 5,718 Agricultural operating and term 6,139 7,714 Vehicle 1,704 1,671 Consumer 6,120 6,279 Total loans 181,359 184,553 Net deferred loan origination fees (325 ) (345 ) Allowance for loan loss (2,252 ) (2,158 ) Loans receivable, net $ 178,782 $ 185,050 Loans are made to individuals as well as commercial and tax-exempt entities. Specific loan terms vary as to interest rate, repayment and collateral requirements based on the type of loan requested and the creditworthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company. The Company’s extension of credit is governed by the individual loan policies that were established to control the quality of the Company’s loans. These policies and procedures are reviewed and approved by the Board of Directors on a regular basis. Residential real estate loans: Commercial real estate loans: Agricultural real estate loans: Commercial construction real estate loans: Residential construction real estate loans: Commercial operating and term loans: Agricultural operating and term loans: Consumer loans, including home equity, home improvement and second mortgages, and vehicle loans: Loans receivable: March 31, 2015 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Past Current Past Due Past Due or More Due Total Residential real estate $ 54,930 $ 1,112 $ - $ 890 $ 2,002 $ 56,932 Commercial real estate 33,674 22 - - 22 33,696 Agricultural real estate 36,924 - 399 168 567 37,491 Commercial construction real estate 182 - - - - 182 Residential construction real estate 813 - - - - 813 Home equity, home improvement and second mortgages 32,029 142 - 122 264 32,293 Commercial operating and term 5,914 10 - 65 75 5,989 Agricultural operating and term 6,028 111 - - 111 6,139 Vehicle 1,647 22 - 35 57 1,704 Consumer 6,069 26 16 9 51 6,120 Total loans $ 178,210 $ 1,445 $ 415 $ 1,289 $ 3,149 $ 181,359 Nonperforming loans $ - $ - $ - $ 1,289 $ 1,289 $ 1,289 December 31, 2014 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Past Current Past Due Past Due or More Due Total Residential real estate $ 54,698 $ 782 $ 507 $ 687 $ 1,976 $ 56,674 Commercial real estate 30,653 - - - - 30,653 Agricultural real estate 37,843 285 - - 285 38,128 Commercial construction real estate 4,035 - - - - 4,035 Residential construction real estate 940 - - - - 940 Home equity, home improvement and second mortgages 32,291 193 2 255 450 32,741 Commercial operating and term 5,569 82 - 67 149 5,718 Agricultural operating and term 7,674 40 - - 40 7,714 Vehicle 1,661 8 1 1 10 1,671 Consumer 6,243 26 10 - 36 6,279 Total loans $ 181,607 $ 1,416 $ 520 $ 1,010 $ 2,946 $ 184,553 Nonperforming loans $ - $ - $ - $ 1,010 $ 1,010 $ 1,010 Recorded investment in nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of March 31, 2015 and December 31, 2014, were as follows: March 31, 2015 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 890 $ - Commercial real estate - - Agricultural real estate 168 - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 122 - Commercial operating and term 65 - Agricultural operating and term - - Vehicle 35 - Consumer 9 - Total $ 1,289 $ - December 31, 2014 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 687 $ - Commercial real estate - - Agricultural real estate - - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 255 - Commercial operating and term 67 - Agricultural operating and term - - Vehicle 1 - Consumer - - Total $ 1,010 $ - No interest income was recognized on nonaccrual loans for the three months ended March 31, 2015 and 2014. The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Under the Company’s risk-rating system, the Company classifies problem and potential problem loans as “Special Mention,” “Substandard” and “Doubtful,” which correspond to risk ratings five, six and seven, respectively. Substandard loans include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful, or risk-rated seven, have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans that do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention, or risk-rated five. Risk ratings are updated any time the situation warrants. Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass-rated loans. Loans listed as not rated are included in groups of homogeneous loans with similar risk and loss characteristics. The following tables present the risk category of loans by class of loans based on the most recent analyses performed and the contractual aging as of March 31, 2015 and December 31, 2014: March 31, 2015 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 30,218 $ 2,830 $ 648 $ - $ 33,696 Commercial construction real estate 182 - - - 182 Commercial operating and term 5,794 - 195 - 5,989 Agricultural operating and term 6,139 - - - 6,139 Total $ 42,333 $ 2,830 $ 843 $ - $ 46,006 December 31, 2014 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 26,449 $ 3,556 $ 648 $ - $ 30,653 Commercial construction real estate 4,035 - - - 4,035 Commercial operating and term 5,426 - 292 - 5,718 Agricultural operating and term 7,714 - - - 7,714 Total $ 43,624 $ 3,556 $ 940 $ - $ 48,120 For consumer, residential real estate, agricultural real estate, home equity, vehicle and residential construction loan classes, the Company collectively evaluates loans for impairment. The Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. Loans where credit quality and aging indicate potential weakness are placed on nonaccrual and are deemed to be nonperforming. Impaired loans also include loans modified in a troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collections. There were no troubled debt restructurings of loans for the periods ended March 31, 2015 and 2014. There were no loans modified in a troubled debt restructuring during the previous twelve month period that subsequently defaulted during the three months ended March 31, 2015 and 2014. Payments received on nonaccrual loans are applied as a direct reduction of principal. Nonaccrual loans that are brought current, and do not have additional credit risk factors noted, are returned to accrual status. Loans individually evaluated for impairment by class of loans as of March 31, 2015 and December 31, 2014 are as follows: March 31. 2015 Unpaid Allowance for Average Interest Principal Recorded Loan Losses Recorded Income Balance Investment Allocated Investment Recognized With no related allowance recorded: Residential real estate $ 483 $ 483 $ - $ 396 $ 6 With an allowance recorded: Residential real estate 810 810 111 821 14 Commercial real estate 2,627 2,627 341 2,632 24 Home equity, home improvement and second mortgages 103 103 103 105 1 Commercial operating and term 61 61 30 66 1 Consumer 17 17 14 17 1 Total $ 4,101 $ 4,101 $ 599 $ 4,037 $ 47 December 31, 2014 Unpaid Allowance for Average Interest Principal Recorded Loan Losses Recorded Income Balance Investment Allocated Investment Recognized With no related allowance recorded: Residential real estate $ 461 $ 461 $ - $ 505 $ 27 With an allowance recorded: Residential real estate 822 822 115 830 34 Commercial real estate 2,637 2,637 341 2,690 99 Home equity, home improvement and second mortgages 73 73 73 74 2 Commercial operating and term 63 63 32 - 2 Consumer 16 16 12 16 2 Total $ 4,072 $ 4,072 $ 573 $ 4,115 $ 166 Allowance for loan losses: Three Months Ended March 31, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 545 $ - $ 9 $ (2 ) $ 552 Commercial real estate 722 - - 63 785 Agricultural real estate 155 - - - 155 Commercial construction real estate 12 - - (12 ) - Residential construction real estate 13 - - (9 ) 4 Home equity, home improvement and second mortgages 431 (4 ) 9 38 474 Commercial operating and term 109 - - 5 114 Agricultural operating and term 31 - - (6 ) 25 Vehicle 28 - 3 (1 ) 30 Consumer 112 (3 ) 10 (6 ) 113 Total $ 2,158 $ (7 ) $ 31 $ 70 $ 2,252 Three Months Ended March 31, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 433 $ - $ - $ 6 $ 439 Commercial real estate 624 - - 25 649 Agricultural real estate 130 - - - 127 Commercial construction real estate 2 - - 7 9 Residential construction real estate 11 - - (7 ) 4 Home equity, home improvement and second mortgages 254 (84 ) 3 76 249 Commercial operating and term 87 - - 5 92 Agricultural operating and term 18 - - (8 ) 10 Vehicle 30 - 1 1 32 Consumer 135 (9 ) 20 68 214 Total $ 1,724 $ (93 ) $ 24 $ 170 $ 1,825 The allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2015 and December 31, 2014, are as follows: March 31, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 111 $ 441 $ 552 Commercial real estate 341 444 785 Agricultural real estate - 155 155 Commercial construction real estate - - - Residential construction real estate - 4 4 Home equity, home improvement and second mortgages 103 371 474 Commercial operating and term 30 84 114 Agricultural operating and term - 25 25 Vehicle - 30 30 Consumer 14 99 113 Total $ 599 $ 1,653 $ 2,252 March 31, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 1,293 $ 55,639 $ 56,932 Commercial real estate 2,627 31,069 33,696 Agricultural real estate - 37,491 37,491 Commercial construction real estate - 182 182 Residential construction real estate - 813 813 Home equity, home improvement and second mortgages 103 32,190 32,293 Commercial operating and term 61 5,928 5,989 Agricultural operating and term - 6,139 6,139 Vehicle - 1,704 1,704 Consumer 17 6,103 6,120 Total $ 4,101 $ 177,258 $ 181,359 December 31, 2014 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 115 $ 430 $ 545 Commercial real estate 341 381 722 Agricultural real estate - 155 155 Commercial construction real estate - 12 12 Residential construction real estate - 13 13 Home equity, home improvement and second mortgages 73 358 431 Commercial operating and term 32 77 109 Agricultural operating and term - 31 31 Vehicle - 29 28 Consumer 12 100 112 Total $ 573 $ 1,585 $ 2,158 December 31, 2014 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 1,283 $ 55,390 $ 56,673 Commercial real estate 2,637 28,016 30,653 Agricultural real estate - 38,128 38,128 Commercial construction real estate - 4,035 4,035 Residential construction real estate - 940 940 Home equity, home improvement and second mortgages 73 32,668 32,741 Commercial operating and term 63 5,655 5,718 Agricultural operating and term - 7,714 7,714 Vehicle - 1,671 1,671 Consumer 16 6,263 6,279 Total $ 4,072 $ 180,481 $ 184,553 Loans with a carrying value of $97,807 and $96,740 at March 31, 2015 and December 31, 2014, respectively, were pledged to secure borrowed funds. Related-party loans: Loans held for sale: Interest rate lock commitments related to the origination of mortgage loans that will be sold are considered derivative instruments. The Company estimates the fair value of these derivatives using the difference between the guaranteed interest rate in the commitments and the current market interest rate. To reduce the net interest rate exposure arising from its loan sale activity, the Company enters into a commitment to sell these loans at the same time that the interest rate lock commitment is quoted. The commitments to sell loans are also considered derivative instruments, with offsetting estimated fair values based on changes in current market rates. These commitments are not designated as hedging instruments and, therefore, changes in fair value are recognized immediately into income. The fair values of the Company’s derivative instruments are offsetting and deemed to be immaterial.

Loan Servicing

Loan Servicing	3 Months Ended
	Mar. 31, 2015
Loan Servicing [Abstract]
Loan Servicing	Note 6. Loan Servicing Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of these loans as of March 31, 2015 and December 31, 2014, were $327,254 and $332,075, respectively, and consist of one- to four-family residential real estate loans. These loans are serviced primarily for the Federal Home Loan Mortgage Corporation, Federal Home Loan Bank and Federal National Mortgage Association. Custodial escrow balances maintained in connection with the foregoing loan servicing, and included in advances from borrowers for taxes and insurance, were $3,392 and $2,347 at March 31, 2015 and December 31, 2014, respectively. Mortgage servicing rights are summarized as follows for the three months ended March 31, 2015 and 2014: March 31, March 31, 2015 2014 Balance at beginning of year, net $ 1,886 $ 1,952 Mortgage servicing rights capitalized 50 53 Amortization expense (73 ) (71 ) Valuation provision change - - Balance at end of year, net $ 1,863 $ 1,934 The estimated fair value of mortgage servicing rights was $2,402 and $2,578 at March 31, 2015 and December 31, 2014, respectively. At March 31, 2015 and December 31, 2014, the valuation allowance was $15 and $15, respectively.

Stockholders' Equity, Regulator

Stockholders' Equity, Regulatory Capital and Dividend Restrictions	3 Months Ended
	Mar. 31, 2015
Banking and Thrift [Abstract]
Stockholders' Equity, Regulatory Capital and Dividend Restrictions	Note 7. Stockholders’ Equity, Regulatory Capital and Dividend Restrictions The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory—and possibly additional discretionary—actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier I, and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of March 31, 2015, that the Company and the Bank meets all capital adequacy requirements to which they are subject. As of March 31, 2015, the most recent notification of the Federal Deposit Insurance Corporation categorized the Bank as “well capitalized” under the regulatory framework for Prompt Corrective Action. To be categorized as “well capitalized,” the Bank must maintain minimum total risk-based, common equity Tier I,Tier I risk-based, and Tier I leverage ratios. There are no conditions or events since that notification that management believes have changed the Bank’s category. The following table summarizes the Company and the Bank’s compliance with its regulatory capital requirements: Actual Minimum Minimum to Be Well Amount Percent Amount Percent Amount Percent Bank as of March 31, 2015: Tier I capital $ 24,434 9.75 % $ 10,024 4.00 % $ 12,531 5.00% Tier I capital common equity 24.434 14.17 % 7,759 4.50 % 11,208 6.50% Tier I capital 24,434 14.17 % 10,346 6.00 % 13,795 8.00% Total risk based capital 26,627 15.44 % 13,724 8.00 % 17,243 10.00% Company as of March 31, 2015 Tier I capital 24,556 9.80 % 10,022 4.00 % N/A N/A Tier I capital common equity 24,556 14.21 % 7,760 4.50 % N/A N/A Tier I capital 24,556 14.21 % 10,370 6.00 % N/A N/A Total risk based capital 26,749 15.48 % 13,827 8.00 % N/A N/A Bank as of December 31, 2014: Tier I capital 25,380 9.90 % 10,255 4.00 % 12,819 5.00% Tier I capital 25,380 13.58 % 7,478 4.00 % 11,217 6.00% Total capital 27,566 14.74 % 14,956 8.00 % 18,695 10.00%

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Note 8. Earnings Per Share A reconciliation of the income and common stock share amounts used in the calculation of basic and diluted earnings per share follows: Three Months Ended March 31, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 493 741,832 $ 0.66 Effect of dilutive securities: Stock options 340 Diluted earnings per share: Net income plus assumed conversions $ 493 742,172 $ 0.66 Three Months Ended March 31, 2014 Per Share Income Shares Amount Basic earnings per share: Net income $ 251 763,085 $ 0.33 Effect of dilutive securities: Stock options 768 Diluted earnings per share: Net income plus assumed conversions $ 251 763,853 $ 0.33 As of March 31, 2015 and 2014, 15,850 options, are not included in the dilutive earnings per share computation because their inclusion would be antidilutive.

Financial Instruments With Off-

Financial Instruments With Off-Balance-Sheet Risk	3 Months Ended
	Mar. 31, 2015
Financial Instruments With Off-Balance-Sheet Risk [Abstract]
Financial Instruments With Off-Balance-Sheet Risk	Note 9. Financial Instruments With Off-Balance-Sheet Risk The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include primarily commitments to extend credit. Those instruments involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the consolidated balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, standby letters of credit, and financial guarantees written is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit on loans totaled approximately $41,379 and $38,110 at March 31, 2015 and December 31,2014, respectively. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but normally includes real estate and personal property.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Measurements	Note 10. Fair Value Measurements ASC Topic 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Investment securities available for sale: Redeemable common stock: The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets, using fair value measurements in accordance with generally accepted accounting principles. Impaired loans: Foreclosed real estate: Mortgage servicing rights: The following tables summarize assets and liabilities measured at fair value as of March 31, 2015 and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: March 31, 2015 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 21,731 $ - $ 21,731 SBA pools - 1,742 - 1,742 Obligations of states and political subdivisions - 9,040 - 9,040 Government-sponsored enterprise equity securities - 123 - 123 Redeemable common stock - - (2,533 ) (2,533 ) Nonrecurring: Foreclosed real estate - - 3,538 3,538 Collateral-dependent impaired loans - - 3,017 3,017 Mortgage servicing rights - - 539 539 December 31, 2014 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 22,545 $ - $ 22,545 SBA pools - 1,832 - 1,832 Obligations of states and political subdivisions - 9,698 - 9,698 Government-sponsored enterprise equity securities - 102 - 102 Redeemable common stock - - (2,533 ) (2,533 ) Nonrecurring: Foreclosed real estate - - 3,656 3,656 Collateral-dependent impaired loans - - 3,002 3,002 Mortgage servicing rights - - 646 646 The following tables present additional quantitative information about the unobservable inputs used in the fair value measurement of mortgage servicing rights measured on a non-recurring basis that were categorized within Level 3 of the fair value hierarchy: Fair Value at March 31, 2015 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 539 Discounted cash flows (1) Prepayment PSA 157 – 335 Discount rate 8.50% – 9.25% Maturity (months) WAM 37 – 325 Costs to service $65 - $750 Fair Value at December 31, 2014 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 646 Discounted cash flows (1) Prepayment PSA 157 – 335 Discount rate 8.50% – 9.25% Maturity (months) WAM 37 – 325 Costs to service $65 – $750 (1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace. There was no change in the fair value of redeemable common stock, which is a recurring fair value measurements using significant unobservable inputs (Level 3), between December 31, 2014 and March 31, 2015. For the three months ended March 31, 2015 and 2014 there were no transfers in or out of Levels 1, 2, and 3. ASC Topic 825 requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not recognized at fair value on a recurring basis or nonrecurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are recognized at fair value on a recurring or nonrecurring basis are discussed above. The methodologies for financial assets and financial liabilities are discussed in Note 1 of the consolidated financial statements for year ended December 31, 2014. The estimated fair values of the Company’s financial instruments are as follows: March 31, December 31, 2015 2014 Level in Fair Value Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 12,982 $ 12,982 $ 14,373 $ 14,373 Certificates of deposit Level 2 3,691 3,691 4,181 4,181 Federal funds sold Level 2 8,000 8,000 2,000 2,000 Securities available for sale Level 2 32,636 32,636 34,177 34,177 Federal Home Loan Bank stock Level 2 2,093 2,093 2,079 2,079 Loans held for sale Level 2 2,746 2.746 1,707 1,707 Loans receivable, net Level 2 178,782 177,877 182,050 183,219 Accrued interest receivable Level 2 804 804 834 834 Mortgage servicing rights Level 3 1,863 2,402 1,886 2,578 Financial liabilities: Deposits Level 2 219,829 216,871 221,972 215,199 Advances from borrowers for taxes and insurance Level 2 3,851 3,851 2,630 2,630 Accrued interest payable Level 2 37 37 17 17 Redeemable common stock Level 3 2,533 2,533 2,533 2,533

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2015
Subsequent Events [Abstract]
Subsequent Events	Note 11. Subsequent Events On November 14, 2014, the Company entered into an agreement and plan of conversion merger with St. James Federal Savings and Loan Association (St. James), a federal mutual savings association. As of December 31, 2014, St. James had total assets of $27,215 and total equity of $2,755. Under the plan, St. James will merge into the Bank. Also under the plan, the Company plans to issue approximately 100,000 shares of common stock at a price based upon the average price of the Company’s stock for the 30-day period ending on the second trading day prior to the date of the final prospectus for the offering. The Company’s ESOP will acquire 8% of the newly issued shares. The plan provides for the establishment of a “liquidation account” for the benefit of eligible account holders of St. James. Completion of the merger is subject to regulatory approval. Stock issuance costs incurred through March 31, 2015 totaled $391. These costs have been deferred and recognized as an other asset. Upon the successful close of the stock issuance, total stock issuance costs will be offset against the proceeds of the offering, which will be recognized as paid-in capital. If the stock issuance is abandoned, the stock issuance costs will be expensed

Summary of Significant Accoun20

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Basis of Financial Statement Presentation	Basis of Financial Statement Presentation:
Segment reporting	Segment reporting:

Securities Available for Sale (

Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Summary of amortized cost and fair values of securities with gross unrealized gains and losses	March 31, 2015 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 21,686 $ 113 $ (68 ) $ 21,731 SBA pools 1,739 6 (3 ) 1,742 Obligations of states and political subdivisions 8,810 245 (15 ) 9,040 Government-sponsored enterprise equity 40 83 - 123 $ 32,275 $ 447 $ (86 ) $ 32,636 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,677 $ 60 $ (191 ) $ 22,545 SBA pools 1,835 6 (9 ) 1,832 Obligations of states and political subdivisions 9,474 250 (26 ) 9,698 Government-sponsored enterprise equity 40 62 - 102 $ 34,026 $ 378 $ (226 ) $ 34,177
Schedule of amortized cost and fair value by contractual maturity	March 31, 2015 Amortized Cost Fair Value Due in one year or less $ 842 $ 846 Due in one to five years 3,643 3,705 Due after five through 10 years 2,703 2,787 Due after 10 years 1,622 1,702 8,810 9,040 Residential mortgage-backed agencies 21,686 21,731 SBA pools 1,739 1,742 Government-sponsored enterprise equity 40 123 $ 32,275 $ 32,636
Schedule of changes in other comprehensive income-unrealized gains on securities available for sale	Three Months Ended March 31, 2015 2014 Balance, beginning $ 93 $ (264 ) Unrealized gains (losses) during the year 208 431 Deferred tax effect relating to unrealized gain (85 ) (177 ) Balance, ending $ 216 $ (10 )
Schedule of unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	March 31, 2015 Continuous Unrealized Continuous Unrealized Losses Existing Losses Existing Greater Than 12 12 Months or Less Months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Loss Value Loss Value Loss Residential mortgage-backed agencies $ 2,190 $ 8 $ 8,501 $ 60 $ 10,691 $ 68 SBA pools - - 1,073 3 1,073 3 Obligations of states and political subdivisions 1,224 3 927 12 2,151 15 $ 3,414 $ 11 $ 10,501 $ 75 $ 13,915 $ 86 December 31, 2014 Continuous Unrealized Continuous Unrealized Losses Existing Losses Existing 12 Months or Less Greater Than 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Loss Value Loss Value Loss Residential mortgage-backed agencies $ 5,679 $ 20 $ 10,566 $ 171 $ 16,245 $ 191 SBA pools - - 1,250 9 1,250 9 Obligations of states and political subdivisions 1,495 6 1,180 20 2,675 26 $ 7,174 $ 26 $ 12,996 $ 200 $ 20,170 $ 226

Loans Receivable and Loans He22

Loans Receivable and Loans Held for Sale (Tables)	3 Months Ended
	Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]
Schedule of composition of loans receivable	March 31, December 31, 2015 2014 Residential real estate $ 56,932 $ 56,674 Commercial real estate 33,696 30,653 Agricultural real estate 37,491 38,128 Commercial construction real estate 182 4,035 Residential construction real estate 813 940 Home equity, home improvement and second mortgages 32,293 32,741 Commercial operating and term 5,989 5,718 Agricultural operating and term 6,139 7,714 Vehicle 1,704 1,671 Consumer 6,120 6,279 Total loans 181,359 184,553 Net deferred loan origination fees (325 ) (345 ) Allowance for loan loss (2,252 ) (2,158 ) Loans receivable, net $ 178,782 $ 185,050
Schedule of loans receivable	March 31, 2015 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Past Current Past Due Past Due or More Due Total Residential real estate $ 54,930 $ 1,112 $ - $ 890 $ 2,002 $ 56,932 Commercial real estate 33,674 22 - - 22 33,696 Agricultural real estate 36,924 - 399 168 567 37,491 Commercial construction real estate 182 - - - - 182 Residential construction real estate 813 - - - - 813 Home equity, home improvement and second mortgages 32,029 142 - 122 264 32,293 Commercial operating and term 5,914 10 - 65 75 5,989 Agricultural operating and term 6,028 111 - - 111 6,139 Vehicle 1,647 22 - 35 57 1,704 Consumer 6,069 26 16 9 51 6,120 Total loans $ 178,210 $ 1,445 $ 415 $ 1,289 $ 3,149 $ 181,359 Nonperforming loans $ - $ - $ - $ 1,289 $ 1,289 $ 1,289 December 31, 2014 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Past Current Past Due Past Due or More Due Total Residential real estate $ 54,698 $ 782 $ 507 $ 687 $ 1,976 $ 56,674 Commercial real estate 30,653 - - - - 30,653 Agricultural real estate 37,843 285 - - 285 38,128 Commercial construction real estate 4,035 - - - - 4,035 Residential construction real estate 940 - - - - 940 Home equity, home improvement and second mortgages 32,291 193 2 255 450 32,741 Commercial operating and term 5,569 82 - 67 149 5,718 Agricultural operating and term 7,674 40 - - 40 7,714 Vehicle 1,661 8 1 1 10 1,671 Consumer 6,243 26 10 - 36 6,279 Total loans $ 181,607 $ 1,416 $ 520 $ 1,010 $ 2,946 $ 184,553 Nonperforming loans $ - $ - $ - $ 1,010 $ 1,010 $ 1,010
Schedule of non-accrual loans	March 31, 2015 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 890 $ - Commercial real estate - - Agricultural real estate 168 - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 122 - Commercial operating and term 65 - Agricultural operating and term - - Vehicle 35 - Consumer 9 - Total $ 1,289 $ - December 31, 2014 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 687 $ - Commercial real estate - - Agricultural real estate - - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 255 - Commercial operating and term 67 - Agricultural operating and term - - Vehicle 1 - Consumer - - Total $ 1,010 $ -
Schedule of credit quality indicators	March 31, 2015 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 30,218 $ 2,830 $ 648 $ - $ 33,696 Commercial construction real estate 182 - - - 182 Commercial operating and term 5,794 - 195 - 5,989 Agricultural operating and term 6,139 - - - 6,139 Total $ 42,333 $ 2,830 $ 843 $ - $ 46,006 December 31, 2014 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 26,449 $ 3,556 $ 648 $ - $ 30,653 Commercial construction real estate 4,035 - - - 4,035 Commercial operating and term 5,426 - 292 - 5,718 Agricultural operating and term 7,714 - - - 7,714 Total $ 43,624 $ 3,556 $ 940 $ - $ 48,120
Schedule of impaired loans	March 31. 2015 Unpaid Allowance for Average Interest Principal Recorded Loan Losses Recorded Income Balance Investment Allocated Investment Recognized With no related allowance recorded: Residential real estate $ 483 $ 483 $ - $ 396 $ 6 With an allowance recorded: Residential real estate 810 810 111 821 14 Commercial real estate 2,627 2,627 341 2,632 24 Home equity, home improvement and second mortgages 103 103 103 105 1 Commercial operating and term 61 61 30 66 1 Consumer 17 17 14 17 1 Total $ 4,101 $ 4,101 $ 599 $ 4,037 $ 47 December 31, 2014 Unpaid Allowance for Average Interest Principal Recorded Loan Losses Recorded Income Balance Investment Allocated Investment Recognized With no related allowance recorded: Residential real estate $ 461 $ 461 $ - $ 505 $ 27 With an allowance recorded: Residential real estate 822 822 115 830 34 Commercial real estate 2,637 2,637 341 2,690 99 Home equity, home improvement and second mortgages 73 73 73 74 2 Commercial operating and term 63 63 32 - 2 Consumer 16 16 12 16 2 Total $ 4,072 $ 4,072 $ 573 $ 4,115 $ 166
Schedule of allowance for loan losses	Three Months Ended March 31, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 545 $ - $ 9 $ (2 ) $ 552 Commercial real estate 722 - - 63 785 Agricultural real estate 155 - - - 155 Commercial construction real estate 12 - - (12 ) - Residential construction real estate 13 - - (9 ) 4 Home equity, home improvement and second mortgages 431 (4 ) 9 38 474 Commercial operating and term 109 - - 5 114 Agricultural operating and term 31 - - (6 ) 25 Vehicle 28 - 3 (1 ) 30 Consumer 112 (3 ) 10 (6 ) 113 Total $ 2,158 $ (7 ) $ 31 $ 70 $ 2,252 Three Months Ended March 31, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 433 $ - $ - $ 6 $ 439 Commercial real estate 624 - - 25 649 Agricultural real estate 130 - - - 127 Commercial construction real estate 2 - - 7 9 Residential construction real estate 11 - - (7 ) 4 Home equity, home improvement and second mortgages 254 (84 ) 3 76 249 Commercial operating and term 87 - - 5 92 Agricultural operating and term 18 - - (8 ) 10 Vehicle 30 - 1 1 32 Consumer 135 (9 ) 20 68 214 Total $ 1,724 $ (93 ) $ 24 $ 170 $ 1,825
Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	March 31, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 111 $ 441 $ 552 Commercial real estate 341 444 785 Agricultural real estate - 155 155 Commercial construction real estate - - - Residential construction real estate - 4 4 Home equity, home improvement and second mortgages 103 371 474 Commercial operating and term 30 84 114 Agricultural operating and term - 25 25 Vehicle - 30 30 Consumer 14 99 113 Total $ 599 $ 1,653 $ 2,252 March 31, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 1,293 $ 55,639 $ 56,932 Commercial real estate 2,627 31,069 33,696 Agricultural real estate - 37,491 37,491 Commercial construction real estate - 182 182 Residential construction real estate - 813 813 Home equity, home improvement and second mortgages 103 32,190 32,293 Commercial operating and term 61 5,928 5,989 Agricultural operating and term - 6,139 6,139 Vehicle - 1,704 1,704 Consumer 17 6,103 6,120 Total $ 4,101 $ 177,258 $ 181,359 December 31, 2014 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 115 $ 430 $ 545 Commercial real estate 341 381 722 Agricultural real estate - 155 155 Commercial construction real estate - 12 12 Residential construction real estate - 13 13 Home equity, home improvement and second mortgages 73 358 431 Commercial operating and term 32 77 109 Agricultural operating and term - 31 31 Vehicle - 29 28 Consumer 12 100 112 Total $ 573 $ 1,585 $ 2,158 December 31, 2014 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 1,283 $ 55,390 $ 56,673 Commercial real estate 2,637 28,016 30,653 Agricultural real estate - 38,128 38,128 Commercial construction real estate - 4,035 4,035 Residential construction real estate - 940 940 Home equity, home improvement and second mortgages 73 32,668 32,741 Commercial operating and term 63 5,655 5,718 Agricultural operating and term - 7,714 7,714 Vehicle - 1,671 1,671 Consumer 16 6,263 6,279 Total $ 4,072 $ 180,481 $ 184,553

Loan Servicing (Tables)

Loan Servicing (Tables)	3 Months Ended
	Mar. 31, 2015
Loan Servicing [Abstract]
Schedule of mortgage servicing rights	March 31, March 31, 2015 2014 Balance at beginning of year, net $ 1,886 $ 1,952 Mortgage servicing rights capitalized 50 53 Amortization expense (73 ) (71 ) Valuation provision change - - Balance at end of year, net $ 1,863 $ 1,934

Stockholders' Equity, Regulat24

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables)	3 Months Ended
	Mar. 31, 2015
Banking and Thrift [Abstract]
Schedule of Bank's compliance with its regulatory capital requirements	Actual Minimum Minimum to Be Well Amount Percent Amount Percent Amount Percent Bank as of March 31, 2015: Tier I capital $ 24,434 9.75 % $ 10,024 4.00 % $ 12,531 5.00% Tier I capital common equity 24.434 14.17 % 7,759 4.50 % 11,208 6.50% Tier I capital 24,434 14.17 % 10,346 6.00 % 13,795 8.00% Total risk based capital 26,627 15.44 % 13,724 8.00 % 17,243 10.00% Company as of March 31, 2015 Tier I capital 24,556 9.80 % 10,022 4.00 % N/A N/A Tier I capital common equity 24,556 14.21 % 7,760 4.50 % N/A N/A Tier I capital 24,556 14.21 % 10,370 6.00 % N/A N/A Total risk based capital 26,749 15.48 % 13,827 8.00 % N/A N/A Bank as of December 31, 2014: Tier I capital 25,380 9.90 % 10,255 4.00 % 12,819 5.00% Tier I capital 25,380 13.58 % 7,478 4.00 % 11,217 6.00% Total capital 27,566 14.74 % 14,956 8.00 % 18,695 10.00%

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended March 31, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 493 741,832 $ 0.66 Effect of dilutive securities: Stock options 340 Diluted earnings per share: Net income plus assumed conversions $ 493 742,172 $ 0.66 Three Months Ended March 31, 2014 Per Share Income Shares Amount Basic earnings per share: Net income $ 251 763,085 $ 0.33 Effect of dilutive securities: Stock options 768 Diluted earnings per share: Net income plus assumed conversions $ 251 763,853 $ 0.33

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on a recurring basis segregated by fair value hierarchy level	March 31, 2015 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 21,731 $ - $ 21,731 SBA pools - 1,742 - 1,742 Obligations of states and political subdivisions - 9,040 - 9,040 Government-sponsored enterprise equity securities - 123 - 123 Redeemable common stock - - (2,533 ) (2,533 ) Nonrecurring: Foreclosed real estate - - 3,538 3,538 Collateral-dependent impaired loans - - 3,017 3,017 Mortgage servicing rights - - 539 539 December 31, 2014 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 22,545 $ - $ 22,545 SBA pools - 1,832 - 1,832 Obligations of states and political subdivisions - 9,698 - 9,698 Government-sponsored enterprise equity securities - 102 - 102 Redeemable common stock - - (2,533 ) (2,533 ) Nonrecurring: Foreclosed real estate - - 3,656 3,656 Collateral-dependent impaired loans - - 3,002 3,002 Mortgage servicing rights - - 646 646
Schedule of quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis	Fair Value at March 31, 2015 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 539 Discounted cash flows (1) Prepayment PSA 157 – 335 Discount rate 8.50% – 9.25% Maturity (months) WAM 37 – 325 Costs to service $65 - $750 Fair Value at December 31, 2014 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 646 Discounted cash flows (1) Prepayment PSA 157 – 335 Discount rate 8.50% – 9.25% Maturity (months) WAM 37 – 325 Costs to service $65 – $750 (1) The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.
Schedule of estimated fair values of the company's financial instruments	March 31, December 31, 2015 2014 Level in Fair Value Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 12,982 $ 12,982 $ 14,373 $ 14,373 Certificates of deposit Level 2 3,691 3,691 4,181 4,181 Federal funds sold Level 2 8,000 8,000 2,000 2,000 Securities available for sale Level 2 32,636 32,636 34,177 34,177 Federal Home Loan Bank stock Level 2 2,093 2,093 2,079 2,079 Loans held for sale Level 2 2,746 2.746 1,707 1,707 Loans receivable, net Level 2 178,782 177,877 182,050 183,219 Accrued interest receivable Level 2 804 804 834 834 Mortgage servicing rights Level 3 1,863 2,402 1,886 2,578 Financial liabilities: Deposits Level 2 219,829 216,871 221,972 215,199 Advances from borrowers for taxes and insurance Level 2 3,851 3,851 2,630 2,630 Accrued interest payable Level 2 37 37 17 17 Redeemable common stock Level 3 2,533 2,533 2,533 2,533

Summary of Significant Accoun27

Summary of Significant Accounting Policies (Detail Textuals)	3 Months Ended
	Mar. 31, 2015Segment
Accounting Policies [Abstract]
Number of reportable segments	1

Certificates of Deposit (Detail

Certificates of Deposit (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
Certificates Of Deposit [Abstract]
Certificates of deposit with carrying value	$ 3,691	$ 4,181
Certificates of deposit, weighted average yield percent	0.46%	0.41%
Certificates of deposit, contractual maturities	Less than one year

Securities Available for Sale29

Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 32,275	$ 34,026
Gross Unrealized Gains	447	378
Gross Unrealized Losses	(86)	(226)
Fair Value	32,636	34,177
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	21,686	22,677
Gross Unrealized Gains	113	60
Gross Unrealized Losses	(68)	(191)
Fair Value	21,731	22,545
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,739	1,835
Gross Unrealized Gains	6	6
Gross Unrealized Losses	(3)	(9)
Fair Value	1,742	1,832
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	8,810	9,474
Gross Unrealized Gains	245	250
Gross Unrealized Losses	(15)	(26)
Fair Value	9,040	9,698
Government-sponsored enterprise equity
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	40	40
Gross Unrealized Gains	$ 83	$ 62
Gross Unrealized Losses
Fair Value	$ 123	$ 102

Securities Available for Sale30

Securities Available for Sale (Details 1) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Amortized Cost
Amortized Cost	$ 32,275
Fair Value
Fair Value	32,636	$ 34,177
Obligations of states and political subdivisions
Amortized Cost
Due in one year or less	842
Due in one to five years	3,643
Due after five through 10 years	2,703
Due after 10 years	1,622
Amortized Cost	8,810
Fair Value
Due in one year or less	846
Due in one to five years	3,705
Due after five through 10 years	2,787
Due after 10 years	1,702
Fair Value	9,040	9,698
Residential mortgage-backed agencies
Amortized Cost
Amortized Cost	21,686
Fair Value
Fair Value	21,731	22,545
SBA pools
Amortized Cost
Amortized Cost	1,739
Fair Value
Fair Value	1,742	1,832
Government-sponsored enterprise equity
Amortized Cost
Amortized Cost	40
Fair Value
Fair Value	$ 123	$ 102

Securities Available for Sale31

Securities Available for Sale (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Balance, beginning	$ 93	$ (264)
Unrealized gains (losses) during the year	208	431
Deferred tax effect relating to unrealized gain	(85)	(177)
Balance, ending	$ 216	$ (10)

Securities Available for Sale32

Securities Available for Sale (Details 3) - Temporarily impaired securities - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less Fair Value	$ 3,414	$ 7,174
Continuous Unrealized Losses Existing 12 Months or Less Unrealized Loss	11	26
Continuous Unrealized Losses Existing Greater Than 12 Months Fair Value	10,501	12,996
Continuous Unrealized Losses Existing Greater Than 12 Months Unrealized Loss	75	200
Total Fair Value	13,915	20,170
Total Unrealized Loss	86	226
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less Fair Value	2,190	5,679
Continuous Unrealized Losses Existing 12 Months or Less Unrealized Loss	8	20
Continuous Unrealized Losses Existing Greater Than 12 Months Fair Value	8,501	10,566
Continuous Unrealized Losses Existing Greater Than 12 Months Unrealized Loss	60	171
Total Fair Value	10,691	16,245
Total Unrealized Loss	$ 68	$ 191
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less Fair Value
Continuous Unrealized Losses Existing 12 Months or Less Unrealized Loss
Continuous Unrealized Losses Existing Greater Than 12 Months Fair Value	$ 1,073	$ 1,250
Continuous Unrealized Losses Existing Greater Than 12 Months Unrealized Loss	3	9
Total Fair Value	1,073	1,250
Total Unrealized Loss	3	9
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less Fair Value	1,224	1,495
Continuous Unrealized Losses Existing 12 Months or Less Unrealized Loss	3	6
Continuous Unrealized Losses Existing Greater Than 12 Months Fair Value	927	1,180
Continuous Unrealized Losses Existing Greater Than 12 Months Unrealized Loss	12	20
Total Fair Value	2,151	2,675
Total Unrealized Loss	$ 15	$ 26

Securities Available for Sale33

Securities Available for Sale (Detail Textuals)	Mar. 31, 2015USD ($)Security	Dec. 31, 2014USD ($)Security
Investments, Debt and Equity Securities [Abstract]
Pledged securities carrying value | $	$ 21,538	$ 20,961
Number of securities in unrealized loss positions	25	37

Loans Receivable and Loans He34

Loans Receivable and Loans Held for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan loss	$ (2,252)	$ (2,158)
Loans receivable, net	178,782	182,050
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	181,359	184,553
Net deferred loan origination fees	(325)	(345)
Allowance for loan loss	(2,252)	(2,158)	$ (1,825)	$ (1,724)
Loans receivable, net	178,782	185,050
Loans receivable | Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	32,293	32,741
Allowance for loan loss	(474)	(431)	(249)	(254)
Loans receivable | Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,704	1,671
Allowance for loan loss	(30)	(28)	(32)	(30)
Loans receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,120	6,279
Allowance for loan loss	(113)	(112)	(214)	(135)
Loans receivable | Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	56,932	56,674
Allowance for loan loss	(552)	(545)	(439)	(433)
Loans receivable | Residential | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	813	940
Allowance for loan loss	(4)	(13)	(4)	(11)
Loans receivable | Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	33,696	30,653
Allowance for loan loss	(785)	(722)	(649)	(624)
Loans receivable | Commercial | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 182	4,035
Allowance for loan loss		(12)	(9)	(2)
Loans receivable | Commercial | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 5,989	5,718
Allowance for loan loss	(114)	(109)	(92)	(87)
Loans receivable | Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	37,491	38,128
Allowance for loan loss	(155)	(155)	(127)	(130)
Loans receivable | Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,139	7,714
Allowance for loan loss	$ (25)	$ (31)	$ (10)	$ (18)

Loans Receivable and Loans He35

Loans Receivable and Loans Held for Sale (Details 1) - Loans receivable - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 178,210	$ 181,607
Total past due	3,149	2,946
Total	181,359	184,553
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,445	1,416
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	415	520
Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,289	$ 1,010
Nonperforming loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current
Total past due	$ 1,289	$ 1,010
Total	$ 1,289	$ 1,010
Nonperforming loans | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Nonperforming loans | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Nonperforming loans | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,289	$ 1,010
Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	32,029	32,291
Total past due	264	450
Total	32,293	32,741
Home equity, home improvement and second mortgages | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 142	193
Home equity, home improvement and second mortgages | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		2
Home equity, home improvement and second mortgages | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 122	255
Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	1,647	1,661
Total past due	57	10
Total	1,704	1,671
Vehicle | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	22	8
Vehicle | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		1
Vehicle | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	35	1
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	6,069	6,243
Total past due	51	36
Total	6,120	6,279
Consumer | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	26	26
Consumer | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	16	$ 10
Consumer | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	9
Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	54,930	$ 54,698
Total past due	2,002	1,976
Total	56,932	56,674
Residential | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,112	782
Residential | Real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		507
Residential | Real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 890	687
Residential | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 813	$ 940
Total past due
Total	$ 813	$ 940
Residential | Construction real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Residential | Construction real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Residential | Construction real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 33,674	$ 30,653
Total past due	22
Total	33,696	$ 30,653
Commercial | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 22
Commercial | Real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 182	$ 4,035
Total past due
Total	$ 182	$ 4,035
Commercial | Construction real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Construction real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Construction real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 5,914	$ 5,569
Total past due	75	149
Total	5,989	5,718
Commercial | Operating and term | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 10	$ 82
Commercial | Operating and term | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Commercial | Operating and term | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 65	$ 67
Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	36,924	37,843
Total past due	567	285
Total	$ 37,491	38,128
Agricultural | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 285
Agricultural | Real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 399
Agricultural | Real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	168
Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	6,028	$ 7,674
Total past due	111	40
Total	6,139	7,714
Agricultural | Operating and term | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 111	$ 40
Agricultural | Operating and term | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Agricultural | Operating and term | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due

Loans Receivable and Loans He36

Loans Receivable and Loans Held for Sale (Details 2) - Loans receivable - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 1,289	$ 1,010
Loans Past Due 90 Days or More and Still Accruing
Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 122	$ 255
Loans Past Due 90 Days or More and Still Accruing
Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 35	$ 1
Loans Past Due 90 Days or More and Still Accruing
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 9
Loans Past Due 90 Days or More and Still Accruing
Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 890	$ 687
Loans Past Due 90 Days or More and Still Accruing
Residential | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing
Commercial | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 65	$ 67
Loans Past Due 90 Days or More and Still Accruing
Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 168
Loans Past Due 90 Days or More and Still Accruing
Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual
Loans Past Due 90 Days or More and Still Accruing

Loans Receivable and Loans He37

Loans Receivable and Loans Held for Sale (Details 3) - Loans receivable - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 46,006	$ 48,120
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	42,333	43,624
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,830	3,556
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 843	$ 940
Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 33,696	$ 30,653
Commercial | Real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	30,218	26,449
Commercial | Real estate | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,830	3,556
Commercial | Real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 648	$ 648
Commercial | Real estate | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 182	$ 4,035
Commercial | Construction real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 182	$ 4,035
Commercial | Construction real estate | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Construction real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Construction real estate | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 5,989	$ 5,718
Commercial | Operating and term | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 5,794	$ 5,426
Commercial | Operating and term | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Operating and term | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 195	$ 292
Commercial | Operating and term | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 6,139	$ 7,714
Agricultural | Operating and term | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 6,139	$ 7,714
Agricultural | Operating and term | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Agricultural | Operating and term | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Agricultural | Operating and term | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total

Loans Receivable and Loans He38

Loans Receivable and Loans Held for Sale (Details 4) - Loans receivable - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
With an allowance recorded:
Allowance for Loan Losses Allocated	$ 599	$ 573
Total
Unpaid Principal Balance	4,101	4,072
Recorded Investment	4,101	4,072
Allowance for Loan Losses Allocated	599	573
Average Recorded Investment	4,037	4,115
Interest Income Recognized	47	166
Home equity, home improvement and second mortgages
With an allowance recorded:
Unpaid Principal Balance	103	73
Recorded Investment	103	73
Allowance for Loan Losses Allocated	103	73
Average Recorded Investment	105	74
Interest Income Recognized	1	2
Total
Allowance for Loan Losses Allocated	103	73
Consumer
With an allowance recorded:
Unpaid Principal Balance	17	16
Recorded Investment	17	16
Allowance for Loan Losses Allocated	14	12
Average Recorded Investment	17	16
Interest Income Recognized	1	2
Total
Allowance for Loan Losses Allocated	14	12
Residential | Real estate
With no related allowance recorded:
Unpaid Principal Balance	483	461
Recorded Investment	483	461
Average Recorded Investment	396	505
Allowance for Loan Losses Allocated	6	27
With an allowance recorded:
Unpaid Principal Balance	810	822
Recorded Investment	810	822
Allowance for Loan Losses Allocated	111	115
Average Recorded Investment	821	830
Interest Income Recognized	14	34
Total
Allowance for Loan Losses Allocated	111	115
Commercial | Real estate
With an allowance recorded:
Unpaid Principal Balance	2,627	2,637
Recorded Investment	2,627	2,637
Allowance for Loan Losses Allocated	341	341
Average Recorded Investment	2,632	2,690
Interest Income Recognized	24	99
Total
Allowance for Loan Losses Allocated	341	341
Commercial | Operating and term
With an allowance recorded:
Unpaid Principal Balance	61	63
Recorded Investment	61	63
Allowance for Loan Losses Allocated	30	$ 32
Average Recorded Investment	66
Interest Income Recognized	1	$ 2
Total
Allowance for Loan Losses Allocated	$ 30	$ 32

Loans Receivable and Loans He39

Loans Receivable and Loans Held for Sale (Details 5) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 2,158
Provision	70	$ 170
Balance Ending	2,252
Loans receivable
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	2,158	1,724
Charge-offs	(7)	(93)
Recoveries	31	24
Provision	70	170
Balance Ending	2,252	1,825
Loans receivable | Home equity, home improvement and second mortgages
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	431	254
Charge-offs	(4)	(84)
Recoveries	9	3
Provision	38	76
Balance Ending	474	249
Loans receivable | Vehicle
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 28	$ 30
Charge-offs
Recoveries	$ 3	$ 1
Provision	(1)	1
Balance Ending	30	32
Loans receivable | Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	112	135
Charge-offs	(3)	(9)
Recoveries	10	20
Provision	(6)	68
Balance Ending	113	214
Loans receivable | Residential | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 545	$ 433
Charge-offs
Recoveries	$ 9
Provision	(2)	$ 6
Balance Ending	552	439
Loans receivable | Residential | Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 13	$ 11
Charge-offs
Recoveries
Provision	$ (9)	$ (7)
Balance Ending	4	4
Loans receivable | Commercial | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 722	$ 624
Charge-offs
Recoveries
Provision	$ 63	$ 25
Balance Ending	785	649
Loans receivable | Commercial | Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 12	$ 2
Charge-offs
Recoveries
Provision	$ (12)	$ 7
Balance Ending		9
Loans receivable | Commercial | Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 109	$ 87
Charge-offs
Recoveries
Provision	$ 5	$ 5
Balance Ending	114	92
Loans receivable | Agricultural | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 155	$ 130
Charge-offs
Recoveries
Provision
Balance Ending	$ 155	$ 127
Loans receivable | Agricultural | Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance	$ 31	$ 18
Charge-offs
Recoveries
Provision	$ (6)	$ (8)
Balance Ending	$ 25	$ 10

Loans Receivable and Loans He40

Loans Receivable and Loans Held for Sale (Details 6) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Allowance for loan losses:
Total	$ 2,252	$ 2,158
Loans receivable
Allowance for loan losses:
Individually Evaluated for Impairment	599	573
Collectively Evaluated for Impairment	1,653	1,585
Total	2,252	2,158	$ 1,825	$ 1,724
Loans:
Individually Evaluated for Impairment	4,101	4,072
Collectively Evaluated for Impairment	177,258	180,481
Total	181,359	184,553
Loans receivable | Home equity, home improvement and second mortgages
Allowance for loan losses:
Individually Evaluated for Impairment	103	73
Collectively Evaluated for Impairment	371	358
Total	474	431	249	254
Loans:
Individually Evaluated for Impairment	103	73
Collectively Evaluated for Impairment	32,190	32,668
Total	$ 32,293	$ 32,741
Loans receivable | Vehicle
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 30	$ 29
Total	$ 30	$ 28	32	30
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 1,704	$ 1,671
Total	1,704	1,671
Loans receivable | Consumer
Allowance for loan losses:
Individually Evaluated for Impairment	14	12
Collectively Evaluated for Impairment	99	100
Total	113	112	214	135
Loans:
Individually Evaluated for Impairment	17	16
Collectively Evaluated for Impairment	6,103	6,263
Total	6,120	6,279
Loans receivable | Residential | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment	111	115
Collectively Evaluated for Impairment	441	430
Total	552	545	439	433
Loans:
Individually Evaluated for Impairment	1,293	1,283
Collectively Evaluated for Impairment	55,639	55,390
Total	$ 56,932	$ 56,674
Loans receivable | Residential | Construction real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 4	$ 13
Total	$ 4	$ 13	4	11
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 813	$ 940
Total	813	940
Loans receivable | Commercial | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment	341	341
Collectively Evaluated for Impairment	444	381
Total	785	722	649	624
Loans:
Individually Evaluated for Impairment	2,627	2,637
Collectively Evaluated for Impairment	31,069	28,016
Total	$ 33,696	$ 30,653
Loans receivable | Commercial | Construction real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment		$ 12
Total		$ 12	9	2
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 182	$ 4,035
Total	182	4,035
Loans receivable | Commercial | Operating and term
Allowance for loan losses:
Individually Evaluated for Impairment	30	32
Collectively Evaluated for Impairment	84	77
Total	114	109	92	87
Loans:
Individually Evaluated for Impairment	61	63
Collectively Evaluated for Impairment	5,928	5,655
Total	$ 5,989	$ 5,718
Loans receivable | Agricultural | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 155	$ 155
Total	$ 155	$ 155	127	130
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 37,491	$ 38,128
Total	$ 37,491	$ 38,128
Loans receivable | Agricultural | Operating and term
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 25	$ 31
Total	$ 25	$ 31	$ 10	$ 18
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 6,139	$ 7,714
Total	$ 6,139	$ 7,714

Loans Receivable and Loans He41

Loans Receivable and Loans Held for Sale (Detail Textuals) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of loans pledged to secure borrowed funds	$ 97,807,000	$ 96,740,000
Aggregate amounts of loans to related parties	105,000	342,000
Addition to aggregate amounts of loans to related parties	0	185,000
Repayments of loans receivable from related parties	237,000	67,000
Loans held for sale	$ 2,746,000	$ 1,707,000
Real estate | Agricultural
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan to value ratios	60.00%

Loan Servicing (Details)

Loan Servicing (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of year, net	$ 1,886	$ 1,952
Mortgage servicing rights capitalized	50	53
Amortization expense	$ (73)	$ (71)
Valuation provision change
Balance at end of year, net	$ 1,863	$ 1,934

Loan Servicing (Detail Textuals

Loan Servicing (Detail Textuals) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Loan Servicing [Abstract]
Unpaid principal balance of one to four family residential real estate loans	$ 327,254	$ 332,075
Custodial escrow balance	3,392	2,347
Fair value of mortgage servicing rights	2,402	2,578
Mortgage servicing rights valuation allowance	$ 15	$ 15

Stockholders' Equity, Regulat44

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital (to average assets), Actual Amount	$ 24,556
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Amount	$ 10,022
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount
Tier I capital (to average assets), Actual Percent	9.80%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Percent	4.00%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Percent
Tier I capital common equity (to risk weighted assets), Actual Amount	$ 24,556
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	$ 7,760
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount
Tier I capital common equity (to risk weighted assets), Actual Percent	14.21%
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	4.50%
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent
Tier I capital (to risk weighted assets), Actual Amount	$ 24,556
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	$ 10,370
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount
Tier I capital (to risk weighted assets), Actual Percent	14.21%
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	6.00%
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent
Total risk based capital (to risk weighted assets), Actual Amount	$ 26,749
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	$ 13,827
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount
Total risk based capital (to risk weighted assets), Actual Percent	15.48%
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	8.00%
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent
Wells Federal Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital (to average assets), Actual Amount	$ 24,434	$ 25,380
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Amount	10,024	10,255
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount	$ 12,531	$ 12,819
Tier I capital (to average assets), Actual Percent	9.75%	9.90%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Percent	4.00%	4.00%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Actual Percent	5.00%	5.00%
Tier I capital common equity (to risk weighted assets), Actual Amount	$ 24,434
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	7,759
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount	$ 11,208
Tier I capital common equity (to risk weighted assets), Actual Percent	14.17%
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	4.50%
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent	6.50%
Tier I capital (to risk weighted assets), Actual Amount	$ 24,434	$ 25,380
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	10,346	7,478
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount	$ 13,795	$ 11,217
Tier I capital (to risk weighted assets), Actual Percent	14.17%	13.58%
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	6.00%	4.00%
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent	8.00%	6.00%
Total risk based capital (to risk weighted assets), Actual Amount	$ 26,627	$ 27,566
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Amount	13,724	14,956
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Amount	$ 17,243	$ 18,695
Total risk based capital (to risk weighted assets), Actual Percent	15.44%	14.74%
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Actual Percent	8.00%	8.00%
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Actual Percent	10.00%	10.00%

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Basic earnings per share:
Net income	$ 493	$ 251
Weighted average number of shares outstanding, basic (in shares)	741,832	763,085
Per Share Amount, basic (in dollars per share)	$ 0.66	$ 0.33
Effect of dilutive securities:
Stock options (in shares)	340	768
Diluted earnings per share:
Net income	$ 493	$ 251
Weighted average number of shares outstanding, diluted (in shares)	742,172	763,853
Per Share Amount, diluted (in dollars per share)	$ 0.66	$ 0.33

Earnings Per Share (Detail Text

Earnings Per Share (Detail Textuals) - shares	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Earnings Per Share [Abstract]
Antidilutive options excluded from computation of earnings per share	15,850	15,850

Financial Instruments With Of47

Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) - USD ($)	Mar. 31, 2015	Dec. 31, 2014
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit on loans totaled	$ 41,379	$ 38,110

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Recurring | Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 21,731	$ 22,545
Recurring | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	1,742	1,832
Recurring | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	9,040	9,698
Recurring | Government-sponsored enterprise equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	123	102
Recurring | Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ (2,533)	$ (2,533)
Recurring | Level 1 Inputs | Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 1 Inputs | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 1 Inputs | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 1 Inputs | Government-sponsored enterprise equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 1 Inputs | Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 2 Inputs | Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 21,731	$ 22,545
Recurring | Level 2 Inputs | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	1,742	1,832
Recurring | Level 2 Inputs | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	9,040	9,698
Recurring | Level 2 Inputs | Government-sponsored enterprise equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 123	$ 102
Recurring | Level 2 Inputs | Redeemable common stock | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 3 Inputs | Residential mortgage-backed agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 3 Inputs | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 3 Inputs | Obligations of states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 3 Inputs | Government-sponsored enterprise equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Recurring | Level 3 Inputs | Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ (2,533)	$ (2,533)
Nonrecurring | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,538	3,656
Nonrecurring | Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,017	3,002
Nonrecurring | Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 539	$ 646
Nonrecurring | Level 1 Inputs | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 1 Inputs | Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 1 Inputs | Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 2 Inputs | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 2 Inputs | Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 2 Inputs | Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)
Nonrecurring | Level 3 Inputs | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 3,538	$ 3,656
Nonrecurring | Level 3 Inputs | Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,017	3,002
Nonrecurring | Level 3 Inputs | Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 539	$ 646

Fair Value Measurements (Deta49

Fair Value Measurements (Details 1) - Nonrecurring - Level 3 Inputs - Mortgage servicing rights - Discounted cash flows - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		$ 539	$ 646
Valuation Technique	[1]	Discounted cash flows	Discounted cash flows
Unobservable Input		Prepayment PSA, Discount rate, Maturity (months) WAM, Costs to service	Prepayment PSA, Discount rate, Maturity (months) WAM, Costs to service
Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Prepayment PSA		157.00%	157.00%
Discount rate		8.50%	8.50%
Maturity (months) WAM		37 months	37 months
Costs to service		$ 65	$ 65
Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Prepayment PSA		335.00%	335.00%
Discount rate		9.25%	9.25%
Maturity (months) WAM		325 months	325 months
Costs to service		$ 750	$ 750
[1]	The estimated fair value on mortgage servicing rights is determined through a cash flow analysis performed at the loan level and is based on the objective attributes of the portfolio (i.e., note rate, loan amount, etc.) and industry assumptions used in the marketplace.

Fair Value Measurements (Deta50

Fair Value Measurements (Details 2) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Financial assets:
Cash and cash equivalents	$ 12,982	$ 14,373	$ 15,443	$ 12,625
Certificates of deposit	3,691	4,181
Federal funds sold	8,000	2,000
Securities available for sale	32,636	34,177
Federal Home Loan Bank stock	2,093	2,079
Loans held for sale	2,746	1,707
Loans receivable, net	178,782	182,050
Accrued interest receivable	804	834
Mortgage servicing rights	1,863	1,886
Financial liabilities:
Deposits	219,829	221,972
Advances from borrowers for taxes and insurance	3,851	2,630
Accrued interest payable	37	17
Redeemable common stock	2,533	2,533
Fair Value
Financial assets:
Cash and cash equivalents	12,982	14,373
Certificates of deposit	3,691	4,181
Federal funds sold	8,000	2,000
Securities available for sale	32,636	34,177
Federal Home Loan Bank stock	2,093	2,079
Loans held for sale	2,746	1,707
Loans receivable, net	177,877	183,219
Accrued interest receivable	804	834
Mortgage servicing rights	2,402	2,578
Financial liabilities:
Deposits	216,871	215,199
Advances from borrowers for taxes and insurance	3,851	2,630
Accrued interest payable	37	17
Redeemable common stock	$ 2,533	$ 2,533

Subsequent Events (Detail Textu

Subsequent Events (Detail Textuals) - USD ($) $ in Thousands	Nov. 14, 2014	Mar. 31, 2015	Dec. 31, 2014
Subsequent Event [Line Items]
Assets		$ 251,609	$ 251,826
Total equity		24,556	24,086
Agreement and plan of conversion merger | St. James
Subsequent Event [Line Items]
Assets			27,215
Total equity			$ 2,755
Number of shares plans to issue	100,000
Threshold trading days	30 days
Percentage of newly issued shares	8.00%
Stock issuance costs		$ 391