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

9 Months Ended

Jun. 30, 2015

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

Schedule of loans receivable, net

		June 30,				September 30,
		2015				2014
		(Dollars in thousands)
One-to four-family residential		$	160,027			$	160,335
Commercial real estate			174,755				169,449
Construction			14,011				12,232
Home equity lines of credit			22,309				19,366
Commercial business			38,742				35,035
Other			10,350				10,396
Total loans receivable			420,194				406,813
Net deferred loan costs			185				217
Allowance for loan losses			(2,966	)			(2,835	)
Total loans receivable, net		$	417,413			$	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 June 30, 2015		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)
One-to four-family residential		$	—			$	—			$	3,208			$	3,208			$	3,286
Commercial real estate			—				—				5,608				5,608				6,776
Construction			—				—				1,682				1,682				2,458
Home equity lines of credit			—				—				844				844				1,144
Commercial business			1,600				147				156				1,756				1,756
Total impaired loans		$	1,600			$	147			$	11,498			$	13,098			$	15,420

										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				Nine Months
		Ended June 30, 2015				Ended June 30, 2015
		(Dollars in thousands)
One-to four-family residential		$	4,502			$	6,451
Commercial real estate			5,563				5,271
Construction			1,692				1,961
Home equity lines of credit			841				660
Commercial business			1,762				1,474
Average investment in impaired loans		$	14,358			$	15,817

		Three Months				Nine Months
		Ended June 30, 2014				Ended June 30, 2014
		(Dollars in thousands)
One-to four-family residential		$	13,585			$	13,921
Commercial real estate			5,271				5,415
Construction			2,574				2,885
Home equity lines of credit			1,144				1,085
Commercial business			738				413
Average investment in impaired loans		$	23,310			$	23,718

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

						Special
		Pass				Mention				Substandard					Doubtful			Total
		(Dollars in thousands)
June 30, 2015
One-to four-family residential		$	156,439			$	15			$	3,573			$	—			$	160,027
Commercial real estate			169,481				222				3,946				1,106				174,755
Construction			8,222				—				5,789				—				14,011
Home equity lines of credit			20,141				—				2,168				—				22,309
Commercial business			37,020				—				1,722				—				38,742
Other			10,350				—				—				—				10,350
Total		$	401,653			$	237			$	17,198			$	1,106			$	420,194

						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)
June 30, 2015
One-to four-family residential		$	157,708			$	—			$	—			$	2,319			$	2,319			$	2,319			$	160,027
Commercial real estate			172,718				—				—				2,037				2,037				2,037				174,755
Construction			12,319				—				—				1,692				1,692				1,692				14,011
Home equity lines of credit			21,629				—				—				680				680				680				22,309
Commercial business			37,052				—				—				1,690				1,690				1,690				38,742
Other			10,350				—				—				—				—				—				10,350
Total		$	411,776			$	—			$	—			$	8,418			$	8,418			$	8,418			$	420,194

							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
Charge-offs			(34	)			(136	)			—				(13	)			(11	)			—				—				(194	)
Recoveries			—				—				—				—				—				—				—				—
Provision			46				229				(34	)			17				42				—				46				346
Balance-June 30, 2015		$	381			$	935			$	486			$	59			$	935			$	6			$	164			$	2,966

		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
Charge-offs			(186	)			—				—				(70	)			(804	)			—				—				(1,060	)
Recoveries			43				—				—				—				—				—				—				43
Provision			7				35				261				35				6				(4	)			2			$	342
Balance- June 30, 2014		$	433			$	827			$	763			$	63			$	650			$	9			$	55			$	2,800

		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 - June 30, 2015		$	381			$	935			$	486			$	59			$	935			$	6			$	164			$	2,966
Individually evaluated
for impairment			—				—				—				—				147				—				—				147
Collectively evaluated
for impairment			381				935				486				59				788				6				164				2,819
Loans receivable:
Balance - June 30, 2015			160,027				174,755				14,011				22,309				38,742				10,350								420,194
Individually evaluated
for impairment			3,208				5,608				1,682				844				1,756				—								13,098
Collectively evaluated
for impairment			156,819				169,147				12,329				21,465				36,986				10,350								407,096

		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

Schedule of troubled debt restructurings

		Three Months Ended June 30, 2015
		Number of Loans		Investment Before TDR Modification			Investment After TDR Modification
				(Dollars in thousands)
One-to four-family residential		1		$	524		$	563
Total		1		$	524		$	563

		Nine Months Ended June 30, 2015
		Number of Loans		Investment Before TDR Modification			Investment After TDR Modification
				(Dollars in thousands)
One-to four-family residential		1		$	524		$	563
Total		1		$	524		$	563

		Three Months Ended June 30, 2014
		Number of Loans		Investment Before TDR Modification			Investment After TDR Modification
				(Dollars in thousands)
One-to four-family residential		1		$	194		$	194
Total		1		$	194		$	194

		Nine Months Ended June 30, 2014
		Number of Loans		Investment Before TDR Modification			Investment After TDR Modification
				(Dollars in thousands)
One-to four-family residential		1		$	194		$	194
Total		1		$	194		$	194

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Tabular disclosure of amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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