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

3 Months Ended

Dec. 31, 2015

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

Schedule of loans receivable, net

		December 31,				September 30,
		2015				2015
		(Dollars in thousands)
One-to four-family residential		$	158,138			$	169,781
Commercial real estate			175,611				173,864
Construction			12,671				6,679
Home equity lines of credit			21,917				21,176
Commercial business			40,911				41,485
Other			10,097				10,305
Total loans receivable			419,345				423,290
Net deferred loan costs			213				192
Allowance for loan losses			(3,100	)			(2,886	)
Total loans receivable, net		$	416,458			$	420,596

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 December 31, 2015		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)
One-to four-family residential		$	135			$	1			$	2,839			$	2,974			$	3,116
Commercial real estate			—				—				5,426				5,426				6,535
Home equity lines of credit			—				—				248				248				271
Commercial business			1,600				356				365				1,965				1,964
Total impaired loans		$	1,735			$	357			$	8,878			$	10,613			$	11,886

										Impaired
										Loans with
		Impaired Loans with								No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
		Recorded				Related				Recorded				Recorded				Principal
At September 30, 2015		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)
One-to four-family residential		$	—			$	—			$	3,017			$	3,017			$	3,134
Commercial real estate			—				—				5,447				5,447				6,556
Home equity lines of credit			—				—				417				417				521
Commercial business			1,690				201				66				1,756				1,756
Total impaired loans		$	1,690			$	201			$	8,947			$	10,637			$	11,967

Schedule of average recorded investment in impaired loans

		Three Months
		Ended December 31, 2015
		(Dollars in thousands)
One-to four-family residential		$	2,996
Commercial real estate			5,437
Home equity lines of credit			333
Commercial business			1,861
Average investment in impaired loans		$	10,627

		Three Months
		Ended December 31, 2014
		(Dollars in thousands)
One-to four-family residential		$	8,401
Commercial real estate			4,980
Construction			2,231
Home equity lines of credit			479
Commercial business			1,187
Average investment in impaired loans		$	17,278

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

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(Dollars in  thousands)
December 31, 2015
One-to four-family residential		$	153,597			$	—			$	4,541			$	—			$	158,138
Commercial real estate			171,447				—				4,164				—				175,611
Construction			10,192				—				2,479				—				12,671
Home equity lines of credit			20,992				—				925				—				21,917
Commercial business			38,429				—				2,482				—				40,911
Other			10,097				—				—				—				10,097
Total		$	404,754			$	—			$	14,591			$	—			$	419,345

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(Dollars in  thousands)
September 30, 2015
One-to four-family residential		$	166,846			$	—			$	2,935			$	—			$	169,781
Commercial real estate			169,239				210				3,309				1,106				173,864
Construction			2,468				—				4,211				—				6,679
Home equity lines of credit			19,436				—				1,740				—				21,176
Commercial business			39,764				—				1,721				—				41,485
Other			10,305				—				—				—				10,305
Total		$	408,058			$	210			$	13,916			$	1,106			$	423,290

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)
December 31, 2015
One-to four-family residential		$	155,927			$	—			$	—			$	2,211			$	2,211			$	2,211			$	158,138
Commercial real estate			171,150				—				1,996				2,465				4,461				2,465				175,611
Construction			12,671				—				—				—				—				—				12,671
Home equity lines of credit			21,635				29				—				253				282				253				21,917
Commercial business			38,812				153				238				1,708				2,099				1,708				40,911
Other			10,097				—				—				—				—				—				10,097
Total		$	410,292			$	182			$	2,234			$	6,637			$	9,053			$	6,637			$	419,345

						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, 2015
One-to four-family residential		$	166,993			$	—			$	730			$	2,058			$	2,788			$	2,058			$	169,781
Commercial real estate			171,969				—				—				1,895				1,895				1,895				173,864
Construction			6,679				—				—				—				—				—				6,679
Home equity lines of credit			20,921				—				—				255				255				255				21,176
Commercial business			39,777				—				19				1,689				1,708				1,689				41,485
Other			10,305				—				—				—				—				—				10,305
Total		$	416,644			$	—			$	749			$	5,897			$	6,646			$	5,897			$	423,290

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, 2015		$	395			$	931			$	453			$	53			$	969			$	6			$	79			$	2,886
Charge-offs			(45	)			—				—				—				—				—				—				(45	)
Recoveries			—				—				—				80				1				—				—				81
Provision			36				4				(71	)			(78	)			255				3				29				178
Balance- December 31, 2015		$	386			$	935			$	382			$	55			$	1,225			$	9			$	108			$	3,100

		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

		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 - December 31, 2015		$	386			$	935			$	382			$	55			$	1,225			$	9			$	108			$	3,100
Individually evaluated
for impairment			1				—				—				—				356				—				—				357
Collectively evaluated
for impairment			385				935				382				55				869				9				108				2,743
Loans receivable:
Balance - December 31, 2015		$	158,138			$	175,611			$	12,671			$	21,917			$	40,911			$	10,097			$	—			$	419,345
Individually evaluated
for impairment			2,974				5,426				—				248				1,965				—				—				10,613
Collectively evaluated
for impairment			155,164				170,185				12,671				21,669				38,946				10,097				—				408,732

		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, 2015		$	395			$	931			$	453			$	53			$	969			$	6			$	79			$	2,886
Individually evaluated
for impairment			—				—				—				—				201				—				—				201
Collectively evaluated
for impairment			395				931				453				53				768				6				79				2,685
Loans receivable:
Balance - September 30, 2015		$	169,781			$	173,864			$	6,679			$	21,176			$	41,485			$	10,305			$	—			$	423,290
Individually evaluated
for impairment			3,017				5,447				—				417				1,756				—				—				10,637
Collectively evaluated
for impairment			166,764				168,417				6,679				20,759				39,729				10,305								412,653

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- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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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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-Publisher FASB
-Name Accounting Standards Codification
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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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