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Loans Receivable and Allowance for Loan Losses (Details) (USD $) | Sep. 30, 2012 | Jun. 30, 2012 | Dec. 31, 2011 | Sep. 30, 2011 | Jun. 30, 2011 | Dec. 31, 2010
--- | --- | --- | --- | --- | --- | ---
Company's loan portfolio |  |  |  |  |  |
Total Loans | $ 499,041,644 |  | $ 509,757,889 |  |  |
Premiums on purchased loans | 221,710 |  | 231,125 |  |  |
Net deferred costs | 537,948 |  | 622,955 |  |  |
Allowance for loan losses | (6,691,731) | (6,673,648) | (9,384,672) | (11,157,678) | (11,399,727) | (15,374,101)
Loans receivable, net | 493,109,571 |  | 501,227,297 |  |  |
Commercial, Real Estate [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 255,551,934 |  | 215,659,837 |  |  |
Allowance for loan losses | (3,585,039) | (3,782,390) | (4,018,746) |  |  |
Residential [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 138,666,279 |  | 188,108,855 |  |  |
Allowance for loan losses | (1,418,823) | (1,209,903) | (2,550,588) |  |  |
Construction [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 6,213,797 |  | 12,306,922 |  |  |
Allowance for loan losses | (250,739) | (250,511) | (867,159) |  |  |
Construction to Permanent [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 4,312,597 |  | 10,012,022 |  |  |
Allowance for loan losses | (14,481) | (121,450) | (547,333) |  |  |
Real Estate [Member] | Commercial, Real Estate [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 255,551,934 |  | 215,659,837 |  |  |
Real Estate [Member] | Residential [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 138,666,279 |  | 188,108,855 |  |  |
Real Estate [Member] | Construction [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 6,213,797 |  | 12,306,922 |  |  |
Real Estate [Member] | Construction to Permanent [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 4,312,597 |  | 10,012,022 |  |  |
Commercial [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 41,100,960 |  | 31,810,735 |  |  |
Allowance for loan losses | (816,165) | (735,342) | (882,062) |  |  |
Consumer home equity [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | 51,011,804 |  | 49,694,546 |  |  |
Consumer installment [Member] |  |  |  |  |  |
Company's loan portfolio |  |  |  |  |  |
Total Loans | $ 2,184,273 |  | $ 2,164,972 |  |  |

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- Definition For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 17 -Article 5 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Accounting Principles Board Opinion (APB) -Number 21 -Paragraph 16 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28555-108399 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.17) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 5 -Paragraph 8, 9 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher OTS -Name Federal Regulation (FR) -Number Title 12 -Section 563c.102 -Paragraph 8 -Subparagraph a(ii) -Chapter V -Subsection I -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy. Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 114 -Paragraph 20 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
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- Definition Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6375948&loc=d3e4428-111522 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 13 -Subparagraph e -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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- Definition Total of loans held-for-sale and held-in-portfolio net of unearned income, allowance for loan and lease losses, if any, unamortized loan origination and other fees and costs, and purchased premiums or discounts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph a -Article 9 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(a)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
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- Definition Amount of deferred fees paid by borrowers and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Excludes amounts for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6378536&loc=d3e10092-111533 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 91 -Paragraph 21 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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