Wells Financial (WEFP) 10-Q 14 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Aug. 12, 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		811,478
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents, including interest-bearing accounts, 2015, $11,037; 2014, $7,411	$ 19,865	$ 14,373
Certificates of deposit, at cost	1,241	4,181
Federal funds sold	3,000	2,000
Securities available for sale	32,822	34,177
Federal Home Loan Bank stock, at cost	2,068	2,079
Loans held for sale	3,567	1,707
Loans receivable, net of allowance for loan loss of $2,184 in 2015; $2,158 in 2014;	177,859	182,050
Accrued interest receivable	966	834
Premises and equipment, net	3,079	3,172
Mortgage servicing rights, net	1,871	1,886
Foreclosed real estate	3,199	3,656
Other assets	1,764	1,711
Total assets	251,301	251,826
Liabilities
Deposits	220,860	221,972
Advances from borrowers for taxes and insurance	2,621	2,630
Accrued interest payable	60	17
Accrued expenses and other liabilities	575	588
Total liabilities	$ 224,116	$ 225,207
Commitments, Contingencies and Credit Risk
Mezzanine Equity
Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued, 89,928 outstanding at June 30, 2015; 95,602 outstanding at December 31, 2014	$ 2,383	$ 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	17,116	17,110
Retained earnings, substantially restricted	36,479	35,552
Accumulated other comprehensive income	41	93
Treasury stock, 2015, 1,451,478 shares; 2014, 1,445,248 shares	(29,043)	(28,878)
Total stockholders' equity	24,802	24,086
Total liabilities, mezzanine equity and stockholders' equity	$ 251,301	$ 251,826

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Interest-bearing accounts (in dollars)	$ 11,037	$ 7,411
Allowance for loan loss (in dollars)	$ 2,184	$ 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
Redeemable common stock held by ESOP, shares outstanding	89,928	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, shares authorized	7,000,000	7,000,000
Common stock, shares issued	2,091,898	2,091,898
Treasury stock, shares	1,451,478	1,445,248

Consolidated Statements of Inco

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest income:
Loans receivable	$ 2,062	$ 1,960	$ 4,237	$ 3,877
Investment securities and interest-bearing deposits	158	177	323	371
Total interest income	2,220	2,137	4,560	4,248
Interest expense:
Deposits	108	154	225	314
Total interest expense	108	154	225	314
Net interest income	$ 2,112	1,983	4,335	3,934
Provision for loan losses		150	70	320
Net interest income after provision for loan losses	$ 2,112	1,833	4,265	3,614
Noninterest income:
Gain on sale of loans held for sale	359	174	524	350
Loan servicing fees	215	207	430	432
Insurance commissions	169	151	341	292
Fees and service charges	123	112	229	217
Other	222	222	446	453
Total noninterest income	1,088	866	1,970	1,744
Noninterest expenses:
Compensation and benefits	1,145	1,188	2,257	2,367
Occupancy	173	193	357	401
Data processing	216	204	430	419
Advertising	64	62	123	110
Amortization of mortgage servicing rights	104	78	177	149
Other real estate owned	142	299	256	354
Other	472	516	945	980
Total noninterest expenses	2,316	2,540	4,545	4,780
Income before income taxes	884	159	1,690	578
Income tax expense	334	63	647	231
Net income	$ 550	$ 96	$ 1,043	$ 347
Earnings per share:
Basic (in dollars per share)	$ 0.75	$ 0.13	$ 1.41	$ 0.45
Diluted (in dollars per share)	$ 0.75	$ 0.13	$ 1.41	$ 0.45

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 550	$ 96	$ 1,043	$ 347
Other comprehensive (loss) income:
Unrealized (loss) gain on securities, net of related taxes	(176)	89	(52)	344
Comprehensive income	$ 374	$ 185	$ 991	$ 691

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) - 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, 2013	$ 209	$ 17,096	$ 34,893	$ (264)	$ (28,193)	$ 23,741	$ 2,342
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			347			347
Other comprehensive income, net of related taxes				$ 344		344
Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively)			$ (228)			(228)
Stock-based compensation		$ 17				17
Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively					$ (242)	$ (242)
Change in fair value related to redeemable common stock
Balance at Jun. 30, 2014	$ 209	$ 17,113	$ 35,012	$ 80	$ (28,435)	$ 23,979	$ 2,342
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			1,043			1,043
Other comprehensive income, net of related taxes				$ (52)		(52)
Cash dividends declared ($0.36 and $0.30 per share for June 30, 2015 and 2014 respectively)			(266)			(266)
Stock-based compensation		$ 6				6
Treasury stock purchases, 6,230 and 10,308 shares for June 30, 2015 and 2014 respectively			$ 150		$ (165)	$ (15)	$ (150)
Change in fair value related to redeemable common stock
Balance at Jun. 30, 2015	$ 209	$ 17,116	$ 36,479	$ 41	$ (29,043)	$ 24,802	$ 2,383

Consolidated Statements of Sto7

Consolidated Statements of Stockholders' Equity and Mezzanine Equity (Unaudited) (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.36	$ 0.30
Treasury stock purchases (in shares)	6,230	10,308

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows From Operating Activities
Net income	$ 1,043	$ 347
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Provision for loan losses	70	320
Gain on sale of loans	(524)	(350)
Originations of loans held for sale	(17,747)	(11,551)
Proceeds from the sale of loans held for sale	16,411	11,898
Net change in mortgage servicing rights	15	43
Loss (gain) on sales of foreclosed real estate, net	15	(34)
Depreciation expense	96	89
Amortization of net deferred loan origination fees	(43)	(31)
Amortization of securities premiums	106	102
Impairment of foreclosed real estate	94	258
Stock-based compensation expense	6	17
Changes in assets and liabilities:
Accrued interest receivable	(132)	(51)
Other assets	(14)	40
Accrued expenses and other liabilities	30	(247)
Net cash (used in) provided by operating activities	(574)	850
Cash Flows From Investing Activities
Net decrease (increase) in loans	4,206	(1,308)
Net decrease (increase) in certificates of deposit	2,940	(3,671)
Net (increase) decrease in federal funds sold	(1,000)	1,500
Purchase of Federal Home Loan Bank stock	(60)	(89)
Proceeds from sale of Federal Home Loan Bank stock	71	61
Purchase of securities available-for-sale	(3,124)	(4,510)
Maturities of available-for-sale securities	4,282	10,376
Purchase of premises and equipment	(3)	(6)
Investment in foreclosed real estate		(28)
Proceeds from sales of foreclosed real estate	306	303
Net cash provided by investing activities	7,618	2,628
Cash Flows From Financing Activities
Net decrease in deposits	(1,112)	(3,550)
Net decrease in advances from borrowers for taxes and insurance	(9)	(16)
Dividends paid	(266)	(228)
Purchase of treasury stock	(165)	(242)
Net cash used in by financing activities	(1,552)	(4,036)
Net increase (decrease) in cash and cash equivalents	5,492	(558)
Cash and Cash Equivalents
Beginning	14,373	12,625
Ending	$ 19,865	$ 12,067

Nature of Operations

Nature of Operations	6 Months Ended
	Jun. 30, 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	6 Months Ended
	Jun. 30, 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	6 Months Ended
	Jun. 30, 2015
Certificates Of Deposit [Abstract]
Certificates of Deposit	Note 3. Certificates of Deposit Certificates of deposit with a carrying value of $1,241 and $4,181 at June 30, 2015 and December 31, 2014, respectively, had weighted-average yields of 0.67 and 0.41 percent, respectively, and contractual maturities of less than one year.

Securities Available for Sale

Securities Available for Sale	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	Note 4. Securities Available for Sale June 30, 2015 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,041 $ 57 $ (175 ) $ 21,923 SBA pools 1,674 6 - 1,680 Obligations of states and political subdivisions 9,005 138 (42 ) 9,101 Government-sponsored enterprise equity 40 78 - 118 $ 32,760 $ 279 $ (217 ) $ 32,822 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,677 $ 60 $ (192 ) $ 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 $ (227 ) $ 34,177 Contractual maturities: June 30, 2015 Amortized Cost Fair Value Due in one year or less $ 839 $ 841 Due in one to five years 3,708 3,736 Due after five through 10 years 2,456 2,477 Due after 10 years 2,002 2,047 9,005 9,101 Residential mortgage-backed agencies 22,041 21,923 SBA pools 1,674 1,680 Government-sponsored enterprise equity 40 118 $ 32,760 $ 32,822 Pledged securities: Securities with a carrying value of $22,712 and $20,961 at June 30, 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 (loss) on securities available for sale: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Balance, beginning $ 216 $ (10 ) $ 93 $ (264 ) Unrealized gains (losses) during the year (298 ) 153 (89 ) 771 Deferred tax effect relating to unrealized gain 123 (63 ) 37 (427 ) Balance, ending $ 41 $ 80 $ 41 $ 80 Temporarily impaired securities: June 30, 2015 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 $ 5,250 $ 33 $ 8,829 $ 142 $ 14,079 $ 175 Obligations of states and political subdivisions 2,294 16 911 26 3,205 42 $ 7,544 $ 49 $ 9,740 $ 168 $ 17,284 $ 217 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 32 and 37 securities in unrealized loss positions as of June 30, 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 six months ended June 30, 2015 and 2014.

Loans Receivable and Loans Held

Loans Receivable and Loans Held for Sale	6 Months Ended
	Jun. 30, 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: June 30, December 31, 2015 2014 Residential real estate $ 55,295 $ 56,674 Commercial real estate 32,576 30,653 Agricultural real estate 36,745 38,128 Commercial construction real estate 1,154 4,035 Residential construction real estate 1,061 940 Home equity, home improvement and second mortgages 31,589 32,741 Commercial operating and term 6,839 5,718 Agricultural operating and term 6,825 7,714 Vehicle 1,979 1,671 Consumer 6,283 6,279 Total loans 180,346 184,553 Net deferred loan origination fees (303 ) (345 ) Allowance for loan loss (2,184 ) (2,158 ) Loans receivable, net $ 177,859 $ 182,050 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: June 30, 2015 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Current Past Due Past Due or More Past Due Total Residential real estate $ 52,122 $ 1,375 $ 719 $ 1,079 $ 3,173 $ 55,295 Commercial real estate 31,653 923 - - 923 32,576 Agricultural real estate 36,064 117 - 564 681 36,745 Commercial construction real estate 1,154 - - - - 1,154 Residential construction real estate 1,061 - - - - 1,061 Home equity, home improvement and second mortgages 31,183 262 62 82 406 31,589 Commercial operating and term 6,659 - 117 63 180 6,839 Agricultural operating and term 6,825 - - - - 6,825 Vehicle 1,939 5 - 35 40 1,979 Consumer 6,228 26 - 29 55 6,283 Total loans $ 174,888 $ 2,708 $ 898 $ 1,852 $ 5,458 $ 180,346 Nonperforming loans $ - $ - $ - $ 1,852 $ 1,852 $ 1,852 December 31, 2014 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Current Past Due Past Due or More Past 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 June 30, 2015 and December 31, 2014, were as follows: June 30, 2015 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 1,079 $ - Commercial real estate - - Agricultural real estate 564 - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 82 - Commercial operating and term 63 - Agricultural operating and term - - Vehicle 35 - Consumer 29 - Total $ 1,852 $ - 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 six months ended June 30, 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 June 30, 2015 and December 31, 2014: June 30, 2015 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 30,444 $ 1,427 $ 705 $ - $ 32,576 Commercial construction real estate 1,154 - - - 1,154 Commercial operating and term 6,629 15 195 - 6,839 Agricultural operating and term 6,792 33 - - 6,825 Total $ 45,019 $ 1,475 $ 900 $ - $ 47,394 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 three and six months ended June 30, 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. There were no loans modified in a troubled debt restructuring during the previous twelve month period that subsequently defaulted during the three and six months ended June 30, 2015 and 2014. Loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014 are as follows: June 30. 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 $ 491 $ 491 $ - $ 494 $ 13 With an allowance recorded: Residential real estate 422 422 80 422 19 Commercial real estate 2,619 2,619 341 2,622 55 Home equity, home improvement and second mortgages 31 31 32 31 - Commercial operating and term 59 59 29 65 2 Consumer 6 6 3 6 - Vehicle 3 3 3 3 - Total $ 3,631 $ 3,631 $ 488 $ 3,663 $ 89 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 June 30, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 552 $ (9 ) $ - $ (15 ) $ 528 Commercial real estate 785 - - 1 786 Agricultural real estate 155 - - 4 159 Commercial construction real estate - - - - - Residential construction real estate 4 - - 8 12 Home equity, home improvement and second mortgages 474 (85 ) 5 53 447 Commercial operating and term 114 - - 3 117 Agricultural operating and term 25 - - 5 30 Vehicle 30 - 1 (4 ) 27 Consumer 113 (6 ) 26 (55 ) 78 Total $ 2,252 $ (100 ) $ 32 $ - $ 2,184 Six Months Ended June 30, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 545 $ (9 ) $ 9 $ (17 ) $ 528 Commercial real estate 722 - - 64 786 Agricultural real estate 155 - - 4 159 Commercial construction real estate 12 - - (12 ) - Residential construction real estate 13 - - (1 ) 12 Home equity, home improvement and second mortgages 431 (89 ) 14 91 447 Commercial operating and term 109 - - 8 117 Agricultural operating and term 31 - - (1 ) 30 Vehicle 28 - 4 (5 ) 27 Consumer 112 (9 ) 36 (61 ) 78 Total $ 2,158 $ (107 ) $ 63 $ 70 $ 2,184 Three Months Ended June 30, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 439 $ (3 ) $ - $ 48 $ 484 Commercial real estate 649 - - 63 712 Agricultural real estate 127 - - 15 142 Commercial construction real estate 9 - 7 (15 ) 1 Residential construction real estate 4 - - 14 18 Home equity, home improvement and second mortgages 249 (93 ) 34 124 314 Commercial operating and term 92 (1 ) - 2 93 Agricultural operating and term 10 - - 4 14 Vehicle 32 - 1 (3 ) 30 Consumer 214 (1 ) 15 (102 ) 126 Total $ 1,825 $ (98 ) $ 57 $ 150 $ 1,934 Six Months Ended June 30, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 433 $ (3 ) $ - $ 54 $ 484 Commercial real estate 624 - 7 81 712 Agricultural real estate 130 - - 12 142 Commercial construction real estate 2 - - (1 ) 1 Residential construction real estate 11 - - 7 18 Home equity, home improvement and second mortgages 254 (177 ) 37 200 314 Commercial operating and term 87 (1 ) - 7 93 Agricultural operating and term 18 - - (4 ) 14 Vehicle 30 - 3 (3 ) 30 Consumer 135 (10 ) 34 (33 ) 126 Total $ 1,724 $ (191 ) $ 81 $ 320 $ 1,934 The allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014, are as follows: June 30, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 80 $ 448 $ 528 Commercial real estate 341 445 786 Agricultural real estate - 159 159 Commercial construction real estate - - - Residential construction real estate - 12 12 Home equity, home improvement and second mortgages 32 415 447 Commercial operating and term 29 88 117 Agricultural operating and term - 30 30 Vehicle 3 24 27 Consumer 3 75 78 Total $ 488 $ 1,696 $ 2,184 June 30, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 913 $ 54,382 $ 55,295 Commercial real estate 2,619 29,957 32,576 Agricultural real estate - 36,745 36,745 Commercial construction real estate - 1,154 1,154 Residential construction real estate - 1,061 1,061 Home equity, home improvement and second mortgages 31 31,558 31,589 Commercial operating and term 59 6,780 6,839 Agricultural operating and term - 6,825 6,825 Vehicle 3 1,976 1,979 Consumer 6 6,277 6,283 Total $ 3,631 $ 176,715 $ 180,346 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 - 28 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 $ 56,674 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 $95,103 and $96,740 at June 30, 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	6 Months Ended
	Jun. 30, 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 June 30, 2015 and December 31, 2014, were $322,992 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 $2,328 and $2,347 at June 30, 2015 and December 31, 2014, respectively. Mortgage servicing rights are summarized as follows for the six months ended June 30, 2015 and 2014: June 30, June 30, 2015 2014 Balance at beginning of year, net $ 1,886 $ 1,952 Mortgage servicing rights capitalized 162 107 Amortization expense (177 ) (150 ) Valuation provision change - - Balance at end of period, net $ 1,871 $ 1,909 The estimated fair value of mortgage servicing rights was $2,666 and $2,578 at June 30, 2015 and December 31, 2014, respectively. At June 30, 2015 and December 31, 2014, the valuation allowance was $15 and $15, respectively.

Stockholders' Equity, Regulator

Stockholders' Equity, Regulatory Capital and Dividend Restrictions	6 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
Stockholders' Equity, Regulatory Capital and Dividend Restrictions	Note 7. Stockholders’ Equity, Regulatory Capital and Dividend Restrictions The Bank is 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 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 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 June 30, 2015, that the Bank meets all capital adequacy requirements to which it is subject. As of June 30, 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 Bank’s compliance with its regulatory capital requirements: Minimum to Be Well Minimum Capitalized Under for Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Percent Amount Percent Amount Percent Bank as of June 30, 2015: Tier I capital $ 25,007 9.94 % $ 10,059 4.00 % $ 12,574 5.00 % Tier I capital common equity 25,007 14.51 % 7,754 4.50 % 11,200 6.50 % Tier I capital 25,005 14.51 % 10,338 6.00 % 13,784 8.00 % Total risk based capital 27,196 15.78 % 13,784 8.00 % 17,230 10.00 % 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	6 Months Ended
	Jun. 30, 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 June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 550 737,100 $ 0.75 Effect of dilutive securities: Stock options 349 Diluted earnings per share: Net income plus assumed conversions $ 550 737,449 $ 0.75 Six Months Ended June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 1,043 739,453 $ 1.41 Effect of dilutive securities: Stock options 349 Diluted earnings per share: Net income plus assumed conversions $ 1,043 739,802 $ 1.41 Three Months Ended June 30, 2014 Per Share Income Shares Amount Basic earnings per share: Net income $ 96 760,546 $ 0.13 Effect of dilutive securities: Stock options 1,070 Diluted earnings per share: Net income plus assumed conversions $ 96 761,616 $ 0 .13 Three Months Ended June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 347 761,808 $ 0.45 Effect of dilutive securities: Stock options 1,070 Diluted earnings per share: Net income plus assumed conversions $ 347 762,878 $ 0.45 As of June 30, 2015 and 2014, 7,900 and 15,850 options, respectively, 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	6 Months Ended
	Jun. 30, 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 $44,825 and $38,110 at June 30, 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	6 Months Ended
	Jun. 30, 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 June 30, 2015 and December 31, 2014, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: June 30, 2015 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 21,923 $ - $ 21,923 SBA pools - 1,680 - 1,680 Obligations of states and political subdivisions 9,101 - 9,101 Government-sponsored enterprise equity securities - 118 - 118 Redeemable common stock - - (2,383 ) (2,383 ) Nonrecurring: Foreclosed real estate - - 3,199 3,199 Collateral-dependent impaired loans - - 3,143 3,143 Mortgage servicing rights - - 624 624 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 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 624 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 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 June 30, 2015. For the three and six months ended June 30, 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 the year ended December 31, 2014. The estimated fair values of the Company’s financial instruments are as follows: June 30, December 31, 2015 2014 Level in Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 19,865 $ 19,865 $ 14,373 $ 14,373 Certificates of deposit Level 2 1,241 1,241 4,181 4,181 Federal funds sold Level 2 3,000 3,000 2,000 2,000 Securities available for sale Level 2 32,822 32,822 34,177 34,177 Federal Home Loan Bank stock Level 2 2,068 2,068 2,079 2,079 Loans held for sale Level 2 3,567 3,567 1,707 1,707 Loans receivable, net Level 2 177,859 177,463 182,050 183,219 Accrued interest receivable Level 2 966 966 834 834 Mortgage servicing rights Level 3 1,871 2,666 1,886 2,578 Financial liabilities: Deposits Level 2 220,860 214,033 221,972 215,199 Advances from borrowers for taxes and insurance Level 2 2,621 2,621 2,630 2,630 Accrued interest payable Level 2 60 60 17 17 Redeemable common stock Level 3 2,383 2,383 2,533 2,533

Subsequent Events

Subsequent Events	6 Months Ended
	Jun. 30, 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. Under the plan, St. James converted to stock form and merged into the Bank. On July 16, 2015, the conversion merger was completed by acquiring 100% of the voting shares of St. James. The Company sold and issued 78,736 shares of its common stock at $27.36 per share. The Company’s ESOP acquired 8%, 6,299 shares, of the newly issued shares using funds borrowed from the Company. Since the shares were offered to the prior depositors and borrowers of St. James at a 5% discount to the average bid and ask quotation for 30 trading days prior to the final prospectus, the fair value of the consideration paid was determined to approximate zero. The Company’s primary reasons for the acquisition are to provide for asset growth, improve capital and competitive position, and increase the limit on loans to one borrower. An estimate of the contractual amounts receivable for loans that are not expected to be collected has not been determined yet, since the initial accounting for the acquisition is incomplete, as noted below. The following table presents pro forma financial information assuming the acquisition occurred on January 1, 2014: Three Months Ended Six Months Ended 2015 2014 2015 2014 Revenues $ 3,580 $ 3,256 $ 7,082 $ 6,540 Net income $ 591 $ 102 $ 1,116 $ 386 Diluted net income per share $ 0.72 $ 0.12 $ 1.36 $ 0.46 Diluted weighted-average shares 816,185 840,352 818,538 841,614 The preliminary allocation of the consideration paid for the acquired assets and assumed liabilities are as follows: Cash and cash equivalents $ 6,938 Securities 1,053 Loans (contractual amount $17,434) 17,102 Core deposit intangible 287 Other assets 683 Total assets 26,063 Deposits $ 22,971 Other liabilities 38 Total liabilities 23,009 Net assets acquired $ 3,054 Fair value of consideration $ - Estimated bargain purchase gain 3,054 Total $ 3,054 The merger is expected to result in a gain because of the legal and financial barriers to completing the merger, including the related transaction costs associated with the conversion merger and stock issuance. The above allocation assumes the core deposit intangible value is 1.25% of deposits. The fair value of other assets acquired and liabilities assumed are based upon historical carrying amounts. These allocations are not final as valuation procedures to determine their acquisition date fair value have not been completed yet. Final fair value computations are expected to be based on discounted expected cash flows, among other valuation techniques. The amount of bargain purchase gain to be recognized is dependent upon the determination of these fair values. Stock issuance costs incurred through June 30, 2015 totaled $740. These costs have been deferred and recognized as an other asset. During the third quarter of 2015, total stock issuance costs will be offset against the proceeds of the offering, which will be recognized as paid-in capital.

Summary of Significant Accoun20

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 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)	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Summary of amortized cost and fair values of securities with gross unrealized gains and losses	June 30, 2015 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,041 $ 57 $ (175 ) $ 21,923 SBA pools 1,674 6 - 1,680 Obligations of states and political subdivisions 9,005 138 (42 ) 9,101 Government-sponsored enterprise equity 40 78 - 118 $ 32,760 $ 279 $ (217 ) $ 32,822 December 31, 2014 Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value Residential mortgage-backed agencies $ 22,677 $ 60 $ (192 ) $ 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 $ (227 ) $ 34,177
Schedule of amortized cost and fair value by contractual maturity	June 30, 2015 Amortized Cost Fair Value Due in one year or less $ 839 $ 841 Due in one to five years 3,708 3,736 Due after five through 10 years 2,456 2,477 Due after 10 years 2,002 2,047 9,005 9,101 Residential mortgage-backed agencies 22,041 21,923 SBA pools 1,674 1,680 Government-sponsored enterprise equity 40 118 $ 32,760 $ 32,822
Schedule of changes in other comprehensive income-unrealized gains on securities available for sale	Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Balance, beginning $ 216 $ (10 ) $ 93 $ (264 ) Unrealized gains (losses) during the year (298 ) 153 (89 ) 771 Deferred tax effect relating to unrealized gain 123 (63 ) 37 (427 ) Balance, ending $ 41 $ 80 $ 41 $ 80
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	June 30, 2015 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 $ 5,250 $ 33 $ 8,829 $ 142 $ 14,079 $ 175 Obligations of states and political subdivisions 2,294 16 911 26 3,205 42 $ 7,544 $ 49 $ 9,740 $ 168 $ 17,284 $ 217 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)	6 Months Ended
	Jun. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
Schedule of composition of loans receivable	June 30, December 31, 2015 2014 Residential real estate $ 55,295 $ 56,674 Commercial real estate 32,576 30,653 Agricultural real estate 36,745 38,128 Commercial construction real estate 1,154 4,035 Residential construction real estate 1,061 940 Home equity, home improvement and second mortgages 31,589 32,741 Commercial operating and term 6,839 5,718 Agricultural operating and term 6,825 7,714 Vehicle 1,979 1,671 Consumer 6,283 6,279 Total loans 180,346 184,553 Net deferred loan origination fees (303 ) (345 ) Allowance for loan loss (2,184 ) (2,158 ) Loans receivable, net $ 177,859 $ 182,050
Schedule of loans receivable	June 30, 2015 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Current Past Due Past Due or More Past Due Total Residential real estate $ 52,122 $ 1,375 $ 719 $ 1,079 $ 3,173 $ 55,295 Commercial real estate 31,653 923 - - 923 32,576 Agricultural real estate 36,064 117 - 564 681 36,745 Commercial construction real estate 1,154 - - - - 1,154 Residential construction real estate 1,061 - - - - 1,061 Home equity, home improvement and second mortgages 31,183 262 62 82 406 31,589 Commercial operating and term 6,659 - 117 63 180 6,839 Agricultural operating and term 6,825 - - - - 6,825 Vehicle 1,939 5 - 35 40 1,979 Consumer 6,228 26 - 29 55 6,283 Total loans $ 174,888 $ 2,708 $ 898 $ 1,852 $ 5,458 $ 180,346 Nonperforming loans $ - $ - $ - $ 1,852 $ 1,852 $ 1,852 December 31, 2014 Loans Past 30–59 Days 60–89 Days Due 90 Days Total Current Past Due Past Due or More Past 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	June 30, 2015 Loans Past Due 90 Days or More Nonaccrual and Still Accruing Residential real estate $ 1,079 $ - Commercial real estate - - Agricultural real estate 564 - Commercial construction real estate - - Residential construction real estate - - Home equity, home improvement and second mortgages 82 - Commercial operating and term 63 - Agricultural operating and term - - Vehicle 35 - Consumer 29 - Total $ 1,852 $ - 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	June 30, 2015 Special Pass Mention Substandard Doubtful Total Commercial real estate $ 30,444 $ 1,427 $ 705 $ - $ 32,576 Commercial construction real estate 1,154 - - - 1,154 Commercial operating and term 6,629 15 195 - 6,839 Agricultural operating and term 6,792 33 - - 6,825 Total $ 45,019 $ 1,475 $ 900 $ - $ 47,394 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	June 30. 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 $ 491 $ 491 $ - $ 494 $ 13 With an allowance recorded: Residential real estate 422 422 80 422 19 Commercial real estate 2,619 2,619 341 2,622 55 Home equity, home improvement and second mortgages 31 31 32 31 - Commercial operating and term 59 59 29 65 2 Consumer 6 6 3 6 - Vehicle 3 3 3 3 - Total $ 3,631 $ 3,631 $ 488 $ 3,663 $ 89 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 June 30, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 552 $ (9 ) $ - $ (15 ) $ 528 Commercial real estate 785 - - 1 786 Agricultural real estate 155 - - 4 159 Commercial construction real estate - - - - - Residential construction real estate 4 - - 8 12 Home equity, home improvement and second mortgages 474 (85 ) 5 53 447 Commercial operating and term 114 - - 3 117 Agricultural operating and term 25 - - 5 30 Vehicle 30 - 1 (4 ) 27 Consumer 113 (6 ) 26 (55 ) 78 Total $ 2,252 $ (100 ) $ 32 $ - $ 2,184 Six Months Ended June 30, 2015 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 545 $ (9 ) $ 9 $ (17 ) $ 528 Commercial real estate 722 - - 64 786 Agricultural real estate 155 - - 4 159 Commercial construction real estate 12 - - (12 ) - Residential construction real estate 13 - - (1 ) 12 Home equity, home improvement and second mortgages 431 (89 ) 14 91 447 Commercial operating and term 109 - - 8 117 Agricultural operating and term 31 - - (1 ) 30 Vehicle 28 - 4 (5 ) 27 Consumer 112 (9 ) 36 (61 ) 78 Total $ 2,158 $ (107 ) $ 63 $ 70 $ 2,184 Three Months Ended June 30, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 439 $ (3 ) $ - $ 48 $ 484 Commercial real estate 649 - - 63 712 Agricultural real estate 127 - - 15 142 Commercial construction real estate 9 - 7 (15 ) 1 Residential construction real estate 4 - - 14 18 Home equity, home improvement and second mortgages 249 (93 ) 34 124 314 Commercial operating and term 92 (1 ) - 2 93 Agricultural operating and term 10 - - 4 14 Vehicle 32 - 1 (3 ) 30 Consumer 214 (1 ) 15 (102 ) 126 Total $ 1,825 $ (98 ) $ 57 $ 150 $ 1,934 Six Months Ended June 30, 2014 Balance, Balance, Beginning Charge-offs Recoveries Provision Ending Residential real estate $ 433 $ (3 ) $ - $ 54 $ 484 Commercial real estate 624 - 7 81 712 Agricultural real estate 130 - - 12 142 Commercial construction real estate 2 - - (1 ) 1 Residential construction real estate 11 - - 7 18 Home equity, home improvement and second mortgages 254 (177 ) 37 200 314 Commercial operating and term 87 (1 ) - 7 93 Agricultural operating and term 18 - - (4 ) 14 Vehicle 30 - 3 (3 ) 30 Consumer 135 (10 ) 34 (33 ) 126 Total $ 1,724 $ (191 ) $ 81 $ 320 $ 1,934
Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	June 30, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Allowance for loan losses: Residential real estate $ 80 $ 448 $ 528 Commercial real estate 341 445 786 Agricultural real estate - 159 159 Commercial construction real estate - - - Residential construction real estate - 12 12 Home equity, home improvement and second mortgages 32 415 447 Commercial operating and term 29 88 117 Agricultural operating and term - 30 30 Vehicle 3 24 27 Consumer 3 75 78 Total $ 488 $ 1,696 $ 2,184 June 30, 2015 Individually Collectively Evaluated for Evaluated for Impairment Impairment Total Loans: Residential real estate $ 913 $ 54,382 $ 55,295 Commercial real estate 2,619 29,957 32,576 Agricultural real estate - 36,745 36,745 Commercial construction real estate - 1,154 1,154 Residential construction real estate - 1,061 1,061 Home equity, home improvement and second mortgages 31 31,558 31,589 Commercial operating and term 59 6,780 6,839 Agricultural operating and term - 6,825 6,825 Vehicle 3 1,976 1,979 Consumer 6 6,277 6,283 Total $ 3,631 $ 176,715 $ 180,346 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 - 28 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 $ 56,674 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)	6 Months Ended
	Jun. 30, 2015
Loan Servicing [Abstract]
Schedule of mortgage servicing rights	June 30, June 30, 2015 2014 Balance at beginning of year, net $ 1,886 $ 1,952 Mortgage servicing rights capitalized 162 107 Amortization expense (177 ) (150 ) Valuation provision change - - Balance at end of period, net $ 1,871 $ 1,909

Stockholders' Equity, Regulat24

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Tables)	6 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
Schedule of Bank's compliance with its regulatory capital requirements	Minimum to Be Well Minimum Capitalized Under for Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Percent Amount Percent Amount Percent Bank as of June 30, 2015: Tier I capital $ 25,007 9.94 % $ 10,059 4.00 % $ 12,574 5.00 % Tier I capital common equity 25,007 14.51 % 7,754 4.50 % 11,200 6.50 % Tier I capital 25,005 14.51 % 10,338 6.00 % 13,784 8.00 % Total risk based capital 27,196 15.78 % 13,784 8.00 % 17,230 10.00 % 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)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 550 737,100 $ 0.75 Effect of dilutive securities: Stock options 349 Diluted earnings per share: Net income plus assumed conversions $ 550 737,449 $ 0.75 Six Months Ended June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 1,043 739,453 $ 1.41 Effect of dilutive securities: Stock options 349 Diluted earnings per share: Net income plus assumed conversions $ 1,043 739,802 $ 1.41 Three Months Ended June 30, 2014 Per Share Income Shares Amount Basic earnings per share: Net income $ 96 760,546 $ 0.13 Effect of dilutive securities: Stock options 1,070 Diluted earnings per share: Net income plus assumed conversions $ 96 761,616 $ 0 .13 Three Months Ended June 30, 2015 Per Share Income Shares Amount Basic earnings per share: Net income $ 347 761,808 $ 0.45 Effect of dilutive securities: Stock options 1,070 Diluted earnings per share: Net income plus assumed conversions $ 347 762,878 $ 0.45

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on a recurring basis segregated by fair value hierarchy level	June 30, 2015 Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value Recurring: Investment securities available for sale: Residential mortgage-backed securities $ - $ 21,923 $ - $ 21,923 SBA pools - 1,680 - 1,680 Obligations of states and political subdivisions 9,101 - 9,101 Government-sponsored enterprise equity securities - 118 - 118 Redeemable common stock - - (2,383 ) (2,383 ) Nonrecurring: Foreclosed real estate - - 3,199 3,199 Collateral-dependent impaired loans - - 3,143 3,143 Mortgage servicing rights - - 624 624 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 Valuation Technique Unobservable Input Range (in thousands) Mortgage servicing rights $ 624 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 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	June 30, December 31, 2015 2014 Level in Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 19,865 $ 19,865 $ 14,373 $ 14,373 Certificates of deposit Level 2 1,241 1,241 4,181 4,181 Federal funds sold Level 2 3,000 3,000 2,000 2,000 Securities available for sale Level 2 32,822 32,822 34,177 34,177 Federal Home Loan Bank stock Level 2 2,068 2,068 2,079 2,079 Loans held for sale Level 2 3,567 3,567 1,707 1,707 Loans receivable, net Level 2 177,859 177,463 182,050 183,219 Accrued interest receivable Level 2 966 966 834 834 Mortgage servicing rights Level 3 1,871 2,666 1,886 2,578 Financial liabilities: Deposits Level 2 220,860 214,033 221,972 215,199 Advances from borrowers for taxes and insurance Level 2 2,621 2,621 2,630 2,630 Accrued interest payable Level 2 60 60 17 17 Redeemable common stock Level 3 2,383 2,383 2,533 2,533

Summary of Significant Accoun27

Summary of Significant Accounting Policies (Detail Textuals)	6 Months Ended
	Jun. 30, 2015Segment
Accounting Policies [Abstract]
Number of reportable segments	1

Certificates of Deposit (Detail

Certificates of Deposit (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Certificates Of Deposit [Abstract]
Certificates of deposit with carrying value	$ 1,241	$ 4,181
Certificates of deposit, weighted average yield percent	0.67%	0.41%
Certificates of deposit, contractual maturities	Less than one year

Securities Available for Sale29

Securities Available for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 32,760	$ 34,026
Gross Unrealized Gains	279	378
Gross Unrealized Losses	(217)	(227)
Fair Value	32,822	34,177
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	22,041	22,677
Gross Unrealized Gains	57	60
Gross Unrealized Losses	(175)	(192)
Fair Value	21,923	22,545
SBA pools
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,674	1,835
Gross Unrealized Gains	$ 6	6
Gross Unrealized Losses		(9)
Fair Value	$ 1,680	1,832
Obligations of states and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,005	9,474
Gross Unrealized Gains	138	250
Gross Unrealized Losses	(42)	(26)
Fair Value	9,101	9,698
Government-sponsored enterprise equity
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	40	40
Gross Unrealized Gains	$ 78	$ 62
Gross Unrealized Losses
Fair Value	$ 118	$ 102

Securities Available for Sale30

Securities Available for Sale (Details 1) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized Cost
Amortized Cost	$ 32,760
Fair Value
Fair Value	32,822	$ 34,177
Obligations of states and political subdivisions
Amortized Cost
Due in one year or less	839
Due in one to five years	3,708
Due after five through 10 years	2,456
Due after 10 years	2,002
Amortized Cost	9,005
Fair Value
Due in one year or less	841
Due in one to five years	3,736
Due after five through 10 years	2,477
Due after 10 years	2,047
Fair Value	9,101	9,698
Residential mortgage-backed agencies
Amortized Cost
Amortized Cost	22,041
Fair Value
Fair Value	21,923	22,545
SBA pools
Amortized Cost
Amortized Cost	1,674
Fair Value
Fair Value	1,680	1,832
Government-sponsored enterprise equity
Amortized Cost
Amortized Cost	40
Fair Value
Fair Value	$ 118	$ 102

Securities Available for Sale31

Securities Available for Sale (Details 2) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]
Balance, beginning	$ 216	$ (10)	$ 93	$ (264)
Unrealized gains (losses) during the year	(298)	153	(89)	771
Deferred tax effect relating to unrealized gain	123	(63)	37	(427)
Balance, ending	$ 41	$ 80	$ 41	$ 80

Securities Available for Sale32

Securities Available for Sale (Details 3) - Temporarily impaired securities - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value	$ 7,544	$ 7,174
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	49	26
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	9,740	12,996
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	168	200
Total Fair Value	17,284	20,170
Total Unrealized Loss	217	226
Residential mortgage-backed agencies
Schedule of Available-for-sale Securities [Line Items]
Continuous Unrealized Losses Existing 12 Months or Less, Fair Value	5,250	5,679
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	33	20
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	8,829	10,566
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	142	171
Total Fair Value	14,079	16,245
Total Unrealized Loss	175	$ 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		$ 1,250
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss		9
Total Fair Value		1,250
Total Unrealized Loss		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	2,294	1,495
Continuous Unrealized Losses Existing 12 Months or Less, Unrealized Loss	16	6
Continuous Unrealized Losses Existing Greater Than 12 Months, Fair Value	911	1,180
Continuous Unrealized Losses Existing Greater Than 12 Months, Unrealized Loss	26	20
Total Fair Value	3,205	2,675
Total Unrealized Loss	$ 42	$ 26

Securities Available for Sale33

Securities Available for Sale (Detail Textuals) $ in Thousands	Jun. 30, 2015USD ($)Security	Dec. 31, 2014USD ($)Security
Investments, Debt and Equity Securities [Abstract]
Pledged securities carrying value	$ 22,712	$ 20,961
Number of securities in unrealized loss positions | Security	32	37

Loans Receivable and Loans He34

Loans Receivable and Loans Held for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan loss	$ (2,184)		$ (2,158)
Loans receivable, net	177,859		182,050
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	180,346		184,553
Net deferred loan origination fees	(303)		(345)
Allowance for loan loss	(2,184)	$ (2,252)	(2,158)	$ (1,934)	$ (1,825)	$ (1,724)
Loans receivable, net	177,859		182,050
Loans receivable | Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	31,589		32,741
Allowance for loan loss	(447)	(474)	(431)	(314)	(249)	(254)
Loans receivable | Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,979		1,671
Allowance for loan loss	(27)	(30)	(28)	(30)	(32)	(30)
Loans receivable | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,283		6,279
Allowance for loan loss	(78)	(113)	(112)	(126)	(214)	(135)
Loans receivable | Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	55,295		56,674
Allowance for loan loss	(528)	(552)	(545)	(484)	(439)	(433)
Loans receivable | Residential | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,061		940
Allowance for loan loss	(12)	(4)	(13)	(18)	(4)	(11)
Loans receivable | Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	32,576		30,653
Allowance for loan loss	(786)	$ (785)	(722)	(712)	(649)	(624)
Loans receivable | Commercial | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 1,154		4,035
Allowance for loan loss			(12)	(1)	(9)	(2)
Loans receivable | Commercial | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 6,839		5,718
Allowance for loan loss	(117)	$ (114)	(109)	(93)	(92)	(87)
Loans receivable | Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	36,745		38,128
Allowance for loan loss	(159)	(155)	(155)	(142)	(127)	(130)
Loans receivable | Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,825		7,714
Allowance for loan loss	$ (30)	$ (25)	$ (31)	$ (14)	$ (10)	$ (18)

Loans Receivable and Loans He35

Loans Receivable and Loans Held for Sale (Details 1) - Loans receivable - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 174,888	$ 181,607
Total past due	5,458	2,946
Total	180,346	184,553
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	2,708	1,416
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	898	520
Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 1,852	$ 1,010
Nonperforming loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current
Total past due	$ 1,852	$ 1,010
Total	$ 1,852	$ 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	$ 1,852	$ 1,010
Home equity, home improvement and second mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	31,183	32,291
Total past due	406	450
Total	31,589	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	262	193
Home equity, home improvement and second mortgages | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	62	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	82	255
Vehicle
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	1,939	1,661
Total past due	40	10
Total	1,979	1,671
Vehicle | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 5	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	6,228	6,243
Total past due	55	36
Total	6,283	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		$ 10
Consumer | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 29
Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	52,122	$ 54,698
Total past due	3,173	1,976
Total	55,295	56,674
Residential | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,375	782
Residential | Real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	719	507
Residential | Real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	1,079	687
Residential | Construction real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 1,061	$ 940
Total past due
Total	$ 1,061	$ 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	$ 31,653	$ 30,653
Total past due	923
Total	32,576	$ 30,653
Commercial | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 923
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	$ 1,154	$ 4,035
Total past due
Total	$ 1,154	$ 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	$ 6,659	$ 5,569
Total past due	180	149
Total	$ 6,839	5,718
Commercial | Operating and term | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 82
Commercial | Operating and term | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 117
Commercial | Operating and term | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	63	$ 67
Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	36,064	37,843
Total past due	681	285
Total	36,745	38,128
Agricultural | Real estate | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 117	$ 285
Agricultural | Real estate | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due
Agricultural | Real estate | Loans Past Due 90 Days or More
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due	$ 564
Agricultural | Operating and term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current	$ 6,825	$ 7,674
Total past due		40
Total	$ 6,825	7,714
Agricultural | Operating and term | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total past due		$ 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	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 1,852	$ 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	$ 82	$ 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	$ 29
Loans Past Due 90 Days or More and Still Accruing
Residential | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 1,079	$ 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	$ 63	$ 67
Loans Past Due 90 Days or More and Still Accruing
Agricultural | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual	$ 564
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	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 47,394	$ 48,120
Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	45,019	43,624
Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,475	3,556
Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 900	$ 940
Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total
Commercial | Real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 32,576	$ 30,653
Commercial | Real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	30,444	26,449
Commercial | Real estate | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,427	3,556
Commercial | Real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 705	$ 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	$ 1,154	$ 4,035
Commercial | Construction real estate | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 1,154	$ 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	$ 6,839	$ 5,718
Commercial | Operating and term | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	6,629	$ 5,426
Commercial | Operating and term | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	15
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	$ 6,825	$ 7,714
Agricultural | Operating and term | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	6,792	$ 7,714
Agricultural | Operating and term | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 33
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	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
With an allowance recorded:
Allowance for Loan Losses Allocated	$ 488	$ 573
Total
Unpaid Principal Balance	3,631	4,072
Recorded Investment	3,631	4,072
Allowance for Loan Losses Allocated	488	573
Average Recorded Investment	3,663	4,115
Interest Income Recognized	89	166
Home equity, home improvement and second mortgages
With an allowance recorded:
Unpaid Principal Balance	31	73
Recorded Investment	31	73
Allowance for Loan Losses Allocated	32	73
Average Recorded Investment	$ 31	74
Interest Income Recognized		2
Total
Allowance for Loan Losses Allocated	$ 32	73
Consumer
With an allowance recorded:
Unpaid Principal Balance	6	16
Recorded Investment	6	16
Allowance for Loan Losses Allocated	3	12
Average Recorded Investment	$ 6	16
Interest Income Recognized		2
Total
Allowance for Loan Losses Allocated	$ 3	12
Vehicle
With an allowance recorded:
Unpaid Principal Balance	3
Recorded Investment	3
Allowance for Loan Losses Allocated	3
Average Recorded Investment	$ 3
Interest Income Recognized
Total
Allowance for Loan Losses Allocated	$ 3
Residential | Real estate
With no related allowance recorded:
Unpaid Principal Balance	491	461
Recorded Investment	491	461
Average Recorded Investment	494	505
Interest Income Recognized	13	27
With an allowance recorded:
Unpaid Principal Balance	422	822
Recorded Investment	422	822
Allowance for Loan Losses Allocated	80	115
Average Recorded Investment	422	830
Interest Income Recognized	19	34
Total
Allowance for Loan Losses Allocated	80	115
Commercial | Real estate
With an allowance recorded:
Unpaid Principal Balance	2,619	2,637
Recorded Investment	2,619	2,637
Allowance for Loan Losses Allocated	341	341
Average Recorded Investment	2,622	2,690
Interest Income Recognized	55	99
Total
Allowance for Loan Losses Allocated	341	341
Commercial | Operating and term
With an allowance recorded:
Unpaid Principal Balance	59	63
Recorded Investment	59	63
Allowance for Loan Losses Allocated	29	$ 32
Average Recorded Investment	65
Interest Income Recognized	2	$ 2
Total
Allowance for Loan Losses Allocated	$ 29	$ 32

Loans Receivable and Loans He39

Loans Receivable and Loans Held for Sale (Details 5) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning			$ 2,158
Provision			70	$ 320
Balance, Ending	$ 2,184		2,184
Loans receivable
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	2,252	$ 1,825	2,158	1,724
Charge-offs	(100)	(98)	(107)	(191)
Recoveries	$ 32	57	63	81
Provision		150	70	320
Balance, Ending	$ 2,184	1,934	2,184	1,934
Loans receivable | Home equity, home improvement and second mortgages
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	474	249	431	254
Charge-offs	(85)	(93)	(89)	(177)
Recoveries	5	34	14	37
Provision	53	124	91	200
Balance, Ending	447	314	447	314
Loans receivable | Vehicle
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 30	$ 32	$ 28	$ 30
Charge-offs
Recoveries	$ 1	$ 1	$ 4	$ 3
Provision	(4)	(3)	(5)	(3)
Balance, Ending	27	30	27	30
Loans receivable | Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	113	214	112	135
Charge-offs	(6)	(1)	(9)	(10)
Recoveries	26	15	36	34
Provision	(55)	(102)	(61)	(33)
Balance, Ending	78	126	78	126
Loans receivable | Residential | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	552	439	545	433
Charge-offs	$ (9)	$ (3)	(9)	$ (3)
Recoveries			9
Provision	$ (15)	$ 48	(17)	$ 54
Balance, Ending	528	484	528	484
Loans receivable | Residential | Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 4	$ 4	$ 13	$ 11
Charge-offs
Recoveries
Provision	$ 8	$ 14	$ (1)	$ 7
Balance, Ending	12	18	12	18
Loans receivable | Commercial | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 785	$ 649	$ 722	$ 624
Charge-offs
Recoveries				$ 7
Provision	$ 1	$ 63	$ 64	81
Balance, Ending	$ 786	712	786	712
Loans receivable | Commercial | Construction real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning		$ 9	$ 12	$ 2
Charge-offs
Recoveries		$ 7
Provision		(15)	$ (12)	$ (1)
Balance, Ending		1		1
Loans receivable | Commercial | Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 114	92	$ 109	87
Charge-offs		$ (1)		$ (1)
Recoveries
Provision	$ 3	$ 2	$ 8	$ 7
Balance, Ending	117	93	117	93
Loans receivable | Agricultural | Real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 155	$ 127	$ 155	$ 130
Charge-offs
Recoveries
Provision	$ 4	$ 15	$ 4	$ 12
Balance, Ending	159	142	159	142
Loans receivable | Agricultural | Operating and term
Allowance for Loan and Lease Losses [Roll Forward]
Balance, Beginning	$ 25	$ 10	$ 31	$ 18
Charge-offs
Recoveries
Provision	$ 5	$ 4	$ (1)	$ (4)
Balance, Ending	$ 30	$ 14	$ 30	$ 14

Loans Receivable and Loans He40

Loans Receivable and Loans Held for Sale (Details 6) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Allowance for loan losses:
Total	$ 2,184		$ 2,158
Loans receivable
Allowance for loan losses:
Individually Evaluated for Impairment	488		573
Collectively Evaluated for Impairment	1,696		1,585
Total	2,184	$ 2,252	2,158	$ 1,934	$ 1,825	$ 1,724
Loans:
Individually Evaluated for Impairment	3,631		4,072
Collectively Evaluated for Impairment	176,715		180,481
Total	180,346		184,553
Loans receivable | Home equity, home improvement and second mortgages
Allowance for loan losses:
Individually Evaluated for Impairment	32		73
Collectively Evaluated for Impairment	415		358
Total	447	474	431	314	249	254
Loans:
Individually Evaluated for Impairment	31		73
Collectively Evaluated for Impairment	31,558		32,668
Total	31,589		$ 32,741
Loans receivable | Vehicle
Allowance for loan losses:
Individually Evaluated for Impairment	3
Collectively Evaluated for Impairment	24		$ 28
Total	27	30	$ 28	30	32	30
Loans:
Individually Evaluated for Impairment	3
Collectively Evaluated for Impairment	1,976		$ 1,671
Total	1,979		1,671
Loans receivable | Consumer
Allowance for loan losses:
Individually Evaluated for Impairment	3		12
Collectively Evaluated for Impairment	75		100
Total	78	113	112	126	214	135
Loans:
Individually Evaluated for Impairment	6		16
Collectively Evaluated for Impairment	6,277		6,263
Total	6,283		6,279
Loans receivable | Residential | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment	80		115
Collectively Evaluated for Impairment	448		430
Total	528	552	545	484	439	433
Loans:
Individually Evaluated for Impairment	913		1,283
Collectively Evaluated for Impairment	54,382		55,390
Total	$ 55,295		$ 56,674
Loans receivable | Residential | Construction real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 12		$ 13
Total	$ 12	4	$ 13	18	4	11
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 1,061		$ 940
Total	1,061		940
Loans receivable | Commercial | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment	341		341
Collectively Evaluated for Impairment	445		381
Total	786	$ 785	722	712	649	624
Loans:
Individually Evaluated for Impairment	2,619		2,637
Collectively Evaluated for Impairment	29,957		28,016
Total	$ 32,576		$ 30,653
Loans receivable | Commercial | Construction real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment			$ 12
Total			$ 12	1	9	2
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 1,154		$ 4,035
Total	1,154		4,035
Loans receivable | Commercial | Operating and term
Allowance for loan losses:
Individually Evaluated for Impairment	29		32
Collectively Evaluated for Impairment	88		77
Total	117	$ 114	109	93	92	87
Loans:
Individually Evaluated for Impairment	59		63
Collectively Evaluated for Impairment	6,780		5,655
Total	$ 6,839		$ 5,718
Loans receivable | Agricultural | Real estate
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 159		$ 155
Total	$ 159	155	$ 155	142	127	130
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 36,745		$ 38,128
Total	$ 36,745		$ 38,128
Loans receivable | Agricultural | Operating and term
Allowance for loan losses:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 30		$ 31
Total	$ 30	$ 25	$ 31	$ 14	$ 10	$ 18
Loans:
Individually Evaluated for Impairment
Collectively Evaluated for Impairment	$ 6,825		$ 7,714
Total	$ 6,825		$ 7,714

Loans Receivable and Loans He41

Loans Receivable and Loans Held for Sale (Detail Textuals) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of loans pledged to secure borrowed funds	$ 95,103	$ 96,740
Aggregate amounts of loans to related parties	134	342
Addition to aggregate amounts of loans to related parties	34	185
Repayments of loans receivable from related parties	146	67
Loans held for sale	$ 3,567	$ 1,707
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	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of year, net	$ 1,886	$ 1,952
Mortgage servicing rights capitalized	162	107
Amortization expense	$ (177)	$ (150)
Valuation provision change
Balance at end of period, net	$ 1,871	$ 1,909

Loan Servicing (Detail Textuals

Loan Servicing (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loan Servicing [Abstract]
Unpaid principal balance of one to four family residential real estate loans	$ 322,992	$ 332,075
Custodial escrow balance	2,328	2,347
Fair value of mortgage servicing rights	2,666	2,578
Mortgage servicing rights valuation allowance	$ 15	$ 15

Stockholders' Equity, Regulat44

Stockholders' Equity, Regulatory Capital and Dividend Restrictions (Details) - Wells Federal Bank - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier I capital (to average assets), Actual Amount	$ 25,007	$ 25,380
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Amount	10,059	10,255
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 12,574	$ 12,819
Tier I capital (to average assets), Actual Percent	9.94%	9.90%
Tier I capital (to average assets), Minimum for Capital Adequacy Purposes, Percent	4.00%	4.00%
Tier I capital (to average assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	5.00%	5.00%
Tier I capital common equity (to risk weighted assets), Actual Amount	$ 25,007
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	7,754
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 11,200
Tier I capital common equity (to risk weighted assets), Actual Percent	14.51%
Tier I capital common equity (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	4.50%
Tier I capital common equity (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	6.50%
Tier I capital (to risk weighted assets), Actual Amount	$ 25,005	$ 25,380
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	10,338	7,478
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 13,784	$ 11,217
Tier I capital (to risk weighted assets), Actual Percent	14.51%	13.58%
Tier I capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	6.00%	4.00%
Tier I capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	8.00%	6.00%
Total risk based capital (to risk weighted assets), Actual Amount	$ 27,196	$ 27,566
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Amount	13,784	14,956
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 17,230	$ 18,695
Total risk based capital (to risk weighted assets), Actual Percent	15.78%	14.74%
Total risk based capital (to risk weighted assets), Minimum for Capital Adequacy Purposes, Percent	8.00%	8.00%
Total risk based capital (to risk weighted assets), Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Percent	10.00%	10.00%

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Basic earnings per share:
Net income	$ 550	$ 96	$ 1,043	$ 347
Weighted average number of shares outstanding, basic (in shares)	737,100	760,546	739,453	761,808
Per share amount, basic (in dollars per share)	$ 0.75	$ 0.13	$ 1.41	$ 0.45
Effect of dilutive securities:
Stock options (in shares)	349	1,070	349	1,070
Diluted earnings per share:
Net income	$ 550	$ 96	$ 1,043	$ 347
Weighted average number of shares outstanding, diluted (in shares)	737,449	761,616	739,802	762,878
Per share amount, diluted (in dollars per share)	$ 0.75	$ 0.13	$ 1.41	$ 0.45

Earnings Per Share (Detail Text

Earnings Per Share (Detail Textuals) - shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Share [Abstract]
Antidilutive options excluded from computation of earnings per share	7,900	15,850

Financial Instruments With Of47

Financial Instruments With Off-Balance-Sheet Risk (Detail Textuals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit on loans total	$ 44,825	$ 38,110

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	Jun. 30, 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)	$ 21,923	$ 22,545
Recurring | SBA pools
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	1,680	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)	9,101	9,698
Recurring | Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	118	102
Recurring | Redeemable common stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ (2,383)	$ (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 securities
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)	$ 21,923	$ 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)	1,680	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)	9,101	9,698
Recurring | Level 2 Inputs | Government-sponsored enterprise equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 118	$ 102
Recurring | Level 2 Inputs | Redeemable common stock
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 securities
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)	$ (2,383)	$ (2,533)
Nonrecurring | Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,199	3,656
Nonrecurring | Collateral-dependent impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	3,143	3,002
Nonrecurring | Mortgage servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Asset (Liability)	$ 624	$ 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)	$ 3,199	$ 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)	3,143	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)	$ 624	$ 646

Fair Value Measurements (Deta49

Fair Value Measurements (Details 1) - Nonrecurring - Level 3 Inputs - Mortgage servicing rights - Discounted cash flows - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Jun. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		$ 624	$ 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		Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial assets:
Cash and cash equivalents		$ 19,865	$ 14,373	$ 12,067	$ 12,625
Certificates of deposit		1,241	4,181
Federal funds sold		3,000	2,000
Securities available for sale		32,822	34,177
Federal Home Loan Bank stock		2,068	2,079
Loans held for sale		3,567	1,707
Loans receivable, net		177,859	182,050
Accrued interest receivable		966	834
Mortgage servicing rights		1,871	1,886
Financial liabilities:
Deposits		220,860	221,972
Advances from borrowers for taxes and insurance		2,621	2,630
Accrued interest payable		60	17
Redeemable common stock		2,383	2,533
Fair Value
Financial assets:
Cash and cash equivalents	[1]	19,865	14,373
Certificates of deposit	[2]	1,241	4,181
Federal funds sold	[2]	3,000	2,000
Securities available for sale	[2]	32,822	34,177
Federal Home Loan Bank stock	[2]	2,068	2,079
Loans held for sale	[2]	3,567	1,707
Loans receivable, net	[2]	177,463	183,219
Accrued interest receivable	[2]	966	834
Mortgage servicing rights	[3]	2,666	2,578
Financial liabilities:
Deposits	[2]	214,033	215,199
Advances from borrowers for taxes and insurance	[2]	2,621	2,630
Accrued interest payable	[2]	60	17
Redeemable common stock	[3]	$ 2,383	$ 2,533
[1]	Level 1
[2]	Level 2
[3]	Level 3

Subsequent Events (Details)

Subsequent Events (Details) - Agreement and plan of conversion merger - St. James - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Subsequent Event [Line Items]
Revenues	$ 3,580	$ 3,256	$ 7,082	$ 6,540
Net income	$ 591	$ 102	$ 1,116	$ 386
Diluted net income per share (in dollars per share)	$ 0.72	$ 0.12	$ 1.36	$ 0.46
Diluted weighted-average shares (in shares)	816,185	840,352	818,538	841,614

Subsequent Events (Details 1)

Subsequent Events (Details 1) - Jul. 16, 2015 - Subsequent Event - Agreement and plan of conversion merger - St. James - USD ($) $ in Thousands	Total
Subsequent Event [Line Items]
Cash and cash equivalents	$ 6,938
Securities	1,053
Loans (contractual amount $17,434)	17,102
Core deposit intangible	287
Other assets	683
Total assets	26,063
Deposits	22,971
Other liabilities	38
Total liabilities	23,009
Net assets acquired	$ 3,054
Fair value of consideration
Estimated bargain purchase gain	$ 3,054
Total	$ 3,054

Subsequent Events (Parenthetica

Subsequent Events (Parentheticals) (Details 1) $ in Thousands	Jul. 16, 2015USD ($)
Subsequent Event | Agreement and plan of conversion merger | St. James
Subsequent Event [Line Items]
Loans, contractual amount	$ 17,434

Subsequent Events (Detail Textu

Subsequent Events (Detail Textuals) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	6 Months Ended
	Jul. 16, 2015	Jun. 30, 2015
Subsequent Event [Line Items]
Stock issuance costs, recognized as an other asset		$ 740
Subsequent Event | Agreement and plan of conversion merger | St. James
Subsequent Event [Line Items]
Percentage of voting shares acquired	100.00%
Number of common stock sold and issued (in shares)	78,736
Share price (in dollars per share)	$ 27.36
Percentage acquired by ESOP	8.00%
Shares issued under Employee Stock Ownership Plan (in shares)	6,299
Percentage of discount on average bid	5.00%
Threshold trading days	30 days
Fair value of consideration
Percentage core deposit intangible value	1.25%