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LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Mar. 31, 2015

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]

Schedule of loans receivable, net

		March 31,				September 30,
		2015				2014
		(Dollars in thousands)

One-to four-family residential		$	157,950			$	160,335
Commercial real estate			172,890				169,449
Construction			13,011				12,232
Home equity lines of credit			20,487				19,366
Commercial business			36,674				35,035
Other			10,325				10,396
Total loans receivable			411,337				406,813
Net deferred loan costs			173				217
Allowance for loan losses			(2,814	)			(2,835	)
Total loans receivable, net		$	408,696			$	404,195

Schedule of impaired loans

										Impaired
										Loans with
		Impaired Loans with								No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
		Recorded				Related				Recorded				Recorded				Principal
At March 31, 2015		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)

One-to four-family residential		$	—			$	—			$	5,795			$	5,795			$	6,310
Commercial real estate			—				—				5,517				5,517				6,549
Construction			—				—				1,701				1,701				2,477
Home equity lines of credit			—				—				838				838				1,125
Commercial business			1,610				120				157				1,767				1,767
Total impaired loans		$	1,610			$	120			$	14,008			$	15,618			$	18,228

										Impaired Loans
		Impaired Loans with								with No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
		Recorded				Related				Recorded				Recorded				Principal
At September 30, 2014		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)

One-to four-family residential		$	1,733			$	42			$	6,990			$	8,723			$	10,830
Commercial real estate			—				—				5,046				5,046				6,205
Construction			442				332				1,836				2,278				3,160
Home equity lines of credit			—				—				829				829				987
Commercial business			11				11				331				342				1,133
Total impaired loans		$	2,186			$	385			$	15,032			$	17,218			$	22,315

Schedule of average recorded investment in impaired loans

		Three Months				Six Months
		Ended March 31, 2015				Ended March 31, 2015
		(Dollars in thousands)

One-to four-family residential		$	6,937			$	7,532
Commercial real estate			5,215				5,159
Construction			1,942				2,054
Home equity lines of credit			484				599
Commercial business			1,899				1,380
Average investment in impaired loans		$	16,477			$	16,724

		Three Months				Six Months
		Ended March 31, 2014				Ended March 31, 2014
		(Dollars in thousands)

One-to four-family residential		$	13,610			$	13,963
Commercial real estate			5,206				5,477
Construction			2,736				2,989
Home equity lines of credit			1,135				1,099
Commercial business			607				436
Average investment in impaired loans		$	23,293			$	23,964

Schedule of loan portfolio summarized by Bank's internal risk rating system

						Special
		Pass				Mention				Substandard					Doubtful			Total

		(Dollars in thousands)
March 31, 2015
One-to four-family residential		$	154,617			$	—			$	3,333			$	—			$	157,950
Commercial real estate			167,696				233				3,855				1,106				172,890
Construction			7,203				—				5,808				—				13,011
Home equity lines of credit			18,325				—				2,162				—				20,487
Commercial business			34,940				—				1,734				—				36,674
Other			10,325				—				—				—				10,325
Total		$	393,106			$	233			$	16,892			$	1,106			$	411,337

						Special
		Pass				Mention				Substandard					Doubtful			Total

		(Dollars in thousands)
September 30, 2014
One-to four-family residential		$	153,878			$	—			$	6,457			$	—			$	160,335
Commercial real estate			158,501				6,179				3,663				1,106				169,449
Construction			6,110				—				6,122				—				12,232
Home equity lines of credit			17,209				—				2,157				—				19,366
Commercial business			34,725				—				310				—				35,035
Other			10,396				—				—				—				10,396
Total		$	380,819			$	6,179			$	18,709			$	1,106			$	406,813

Schedule of aging analysis of past due loans, segregated by class of loans

							30-59				60-89
							Days				Days				90 Days +			Total				Non-				Total
		Current					Past Due				Past Due				Past Due			Past Due				Accrual				Loans
		(Dollars in thousands)
March 31, 2015
One-to four-family residential		$	154,875			$	774			$	180			$	2,121			$	3,075			$	2,121			$	157,950
Commercial real estate			170,321				639				—				1,930				2,569				1,930				172,890
Construction			11,325				—				—				1,686				1,686				1,686				13,011
Home equity lines of credit			19,779				—				—				708				708				708				20,487
Commercial business			34,974				—				—				1,700				1,700				1,700				36,674
Other			10,325				—				—				—				—				—				10,325
Total		$	401,599			$	1,413			$	180			$	8,145			$	9,738			$	8,145			$	411,337

							30-59				60-89
							Days				Days				90 Days +			Total				Non-				Total
		Current					Past Due				Past Due				Past Due			Past Due				Accrual				Loans
		(Dollars in thousands)
September 30, 2014
One-to four-family residential		$	155,825			$	75			$	256			$	4,179			$	4,510			$	4,179			$	160,335
Commercial real estate			166,360				—				918				2,171				3,089				2,171				169,449
Construction			9,954				—				—				2,278				2,278				2,278				12,232
Home equity lines of credit			18,483				—				—				883				883				883				19,366
Commercial business			33,105				1,600				56				274				1,930				274				35,035
Other			10,396				—				—				—				—				—				10,396
Total		$	394,123			$	1,675			$	1,230			$	9,785			$	12,690			$	9,785			$	406,813

Schedule of activity in the allowance for loan losses by portfolio segment

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(Dollars in thousands)

Balance-September 30, 2014		$	402			$	826			$	784			$	62			$	643			$	9			$	109			$	2,835
Charge-offs			(12	)			(193	)			—				(147	)			—				(1	)			—				(353	)
Recoveries			—				—				37				—				—				—				—				37
Provision			84				199				(73	)			151				90				(2	)			(29	)			420
Balance-December 31, 2014		$	474			$	832			$	748			$	66			$	733			$	6			$	80			$	2,939
Charge-offs			(90	)			—				(342	)			—				(263	)			—				—				(695	)
Recoveries			400				—				—				—				—				—				—				400
Provision			(415	)			10				114				(11	)			434				—				38				170
Balance-March 31, 2015		$	369			$	842			$	520			$	55			$	904			$	6			$	118			$	2,814

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(Dollars in thousands)

Balance-September 30, 2013		$	844			$	852			$	604			$	125			$	452			$	9			$	127			$	3,013
Charge-offs			(108	)			—				(75	)			—				—				—				—				(183	)
Recoveries			9				—				—				—				2				—				—				11
Provision			254				(7	)			29				12				72				(9	)			8				359
Balance-December 31, 2013		$	999			$	845			$	558			$	137			$	526			$	—			$	135			$	3,200
Charge-offs			(83	)			—				(93	)			(5	)			—				—				—				(181	)
Recoveries			—				—				75				—				—				—				—				75
Provision			(347	)			(53	)			(38	)			(34	)			922				13				(82	)		$	381
Balance- March 31, 2014		$	569			$	792			$	502			$	98			$	1,448			$	13			$	53			$	3,475

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(Dollars in thousands)
Allowance for Loan Losses:
Balance - March 31, 2015		$	369			$	842			$	520			$	55			$	904			$	6			$	118			$	2,814
Individually evaluated
for impairment			—				—				—				—				120				—				—				120
Collectively evaluated
for impairment			369				842				520				55				784				6				118				2,694

Loans receivable:
Balance - March 31, 2015		$	157,950			$	172,890			$	13,011			$	20,487			$	36,674			$	10,325							$	411,337
Individually evaluated
for impairment			5,795				5,517				1,701				838				1,767				—								15,618
Collectively evaluated
for impairment			152,155				167,373				11,310				19,649				34,907				10,325								395,719

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(Dollars in thousands)
Allowance for Loan Losses:
Balance - September 30, 2014		$	402			$	826			$	784			$	62			$	643			$	9			$	109			$	2,835
Individually evaluated
for impairment			42				—				332				—				11				—				—				385
Collectively evaluated
for impairment			360				826				452				62				632				9				109				2,450

Loans receivable:
Balance - September 30, 2014		$	160,335			$	169,449			$	12,232			$	19,366			$	35,035			$	10,396							$	406,813
Individually evaluated
for impairment			8,723				5,046				2,278				829				342				—								17,218
Collectively evaluated
for impairment			151,612				164,403				9,954				18,537				34,693				10,396								389,595