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

9 Months Ended

Jun. 30, 2017

Loans Receivable, Net [Abstract]

Schedule of loans receivable, net

		June 30,				September 30,
		2017				2016
		(Dollars in thousands)
One-to four-family residential		$	178,494			$	173,235
Commercial real estate			205,016				199,510
Construction			17,868				14,939
Home equity lines of credit			18,141				21,967
Commercial business			42,490				38,865
Other			6,227				9,355
Total loans receivable			468,236				457,871
Net deferred loan costs			226				216
Allowance for loan losses			(3,385	)			(3,056	)
Total loans receivable, net		$	465,077			$	455,031

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, 2017		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)
One-to four-family residential		$	—			$	—			$	2,795			$	2,795			$	2,921
Commercial real estate			—				—				4,138				4,138				4,138
Commercial business			—				—				370				370				1,644
Other			—				—				12				12				12
Total impaired loans		$	—			$	—			$	7,315			$	7,315			$	8,715

										Impaired
										Loans with
		Impaired Loans with								No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
		Recorded				Related				Recorded				Recorded				Principal
At September 30, 2016		Investment				Allowance				Investment				Investment				Balance
		(Dollars in thousands)
One-to four-family residential		$	—			$	—			$	4,010			$	4,010			$	4,239
Commercial real estate			—				—				3,843				3,843				3,843
Home equity lines of credit			—				—				153				153				167
Commercial business			997				39				250				1,247				1,850
Total impaired loans		$	997			$	39			$	8,256			$	9,253			$	10,099

Schedule of average recorded investment in impaired loans

		Three Months				Nine Months
		Ended June 30, 2017				Ended June 30, 2017
		(Dollars in thousands)
One-to four-family residential		$	3,051			$	3,307
Commercial real estate			5,274				4,783
Home equity lines of credit			243				171
Commercial business			560				732
Other			12				12
Average investment in impaired loans		$	9,140			$	9,005

		Three Months				Nine Months
		Ended June 30, 2016				Ended June 30, 2016
		(Dollars in thousands)
One-to four-family residential		$	3,952			$	3,626
Commercial real estate			4,429				4,761
Home equity lines of credit			15				92
Commercial business			1,570				1,702
Average investment in impaired loans		$	9,966			$	10,181

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

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(Dollars in  thousands)
June 30, 2017
One-to four-family residential		$	176,588			$	—			$	1,906			$	—			$	178,494
Commercial real estate			202,290				—				2,726				—				205,016
Construction			15,427				—				2,441				—				17,868
Home equity lines of credit			18,141				—				—				—				18,141
Commercial business			42,365				—				—				125				42,490
Other			6,215				—				12				—				6,227
Total		$	461,026			$	—			$	7,085			$	125			$	468,236

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(Dollars in  thousands)
September 30, 2016
One-to four-family residential		$	169,596			$	209			$	3,430			$	—			$	173,235
Commercial real estate			196,838				—				2,672				—				199,510
Construction			12,461				—				2,478				—				14,939
Home equity lines of credit			21,814				—				153				—				21,967
Commercial business			37,868				—				—				997				38,865
Other			9,355				—				—				—				9,355
Total		$	447,932			$	209			$	8,733			$	997			$	457,871

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, 2017
One-to four-family residential		$	176,236			$	128			$	487			$	1,643			$	2,258			$	1,643			$	178,494
Commercial real estate			204,501				—				—				515				515				515				205,016
Construction			17,868				—				—				—				—				—				17,868
Home equity lines of credit			18,141				—				—				—				—				—				18,141
Commercial business			42,152				213				—				125				338				125				42,490
Other			6,215				—				—				12				12				12				6,227
Total		$	465,113			$	341			$	487			$	2,295			$	3,123			$	2,295			$	468,236

						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, 2016
One-to four-family residential		$	170,705			$	—			$	44			$	2,486			$	2,530			$	2,486			$	173,235
Commercial real estate			198,577				—				490				443				933				443				199,510
Construction			14,939				—				—				—				—				—				14,939
Home equity lines of credit			21,686				—				—				281				281				281				21,967
Commercial business			37,865				—				3				997				1,000				997				38,865
Other			9,355				—				—				—				—				—				9,355
Total		$	453,127			$	—			$	537			$	4,207			$	4,744			$	4,207			$	457,871

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

The following table summarizes the ALL by loan category and the related activity for the nine months ended June 30, 2017:

		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, 2016		$	542			$	1,075			$	361			$	71			$	976			$	9			$	22			$	3,056
Charge-offs			(18	)			—				—				—				(237	)			—				—				(255	)
Recoveries			35				—				3				—				1				—				—				39
Provision			(35	)			77				4				—				174				(2	)			112				330
Balance- December 31, 2016		$	524			$	1,152			$	368			$	71			$	914			$	7			$	134			$	3,170
Charge-offs			(52	)			—				—				—				(226	)			—				—				(278	)
Recoveries			—				—				3				14				1				—				—				18
Provision			175				(44	)			(3	)			(18	)			323				6				(36	)			403
Balance- March 31, 2017		$	647			$	1,108			$	368			$	67			$	1,012			$	13			$	98			$	3,313
Charge-offs			(39	)			—				—				—				(209	)			—				—				(248	)
Recoveries			—				—				3				—				2				—				—				5
Provision			(49	)			65				—				(11	)			219				(7	)			98				315
Balance- June 30, 2017		$	559			$	1,173			$	371			$	56			$	1,024			$	6			$	196			$	3,385

The following table summarizes the ALL by loan category and the related activity for the nine months ended June 30, 2016:

		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
Charge-offs			—				(61	)			—				(84	)			(383	)			—				—				(528	)
Recoveries			—				—				1				—				26				—				—				27
Provision			113				(3	)			(115	)			100				125				(1	)			72				291
Balance- March 31, 2016		$	499			$	871			$	268			$	71			$	993			$	8			$	180			$	2,890
Charge-offs			(88	)			—				—				—				(424	)			—				—				(512	)
Recoveries			—				100				2				—				—				—				—				102
Provision			(15	)			(49	)			39				(2	)			467				(1	)			(19	)			420
Balance- June 30, 2016		$	396			$	922			$	309			$	69			$	1,036			$	7			$	161			$	2,900

The following table summarizes the ALL by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30, 2017 and September 30, 2016:  

		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, 2017		$	559			$	1,173			$	371			$	56			$	1,024			$	6			$	196			$	3,385
Individually evaluated
for impairment			—				—				—				—				—				—				—				—
Collectively evaluated
for impairment			559				1,173				371				56				1,024				6				196				3,385
Loans receivable:
Balance - June 30, 2017		$	178,494			$	205,016			$	17,868			$	18,141			$	42,490			$	6,227			$	—			$	468,236
Individually evaluated
for impairment			2,795				4,138				—				—				370				12				—				7,315
Collectively evaluated
for impairment			175,699				200,878				17,868				18,141				42,120				6,215				—				460,921

		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, 2016		$	542			$	1,075			$	361			$	71			$	976			$	9			$	22			$	3,056
Individually evaluated
for impairment			—				—				—				—				39				—				—				39
Collectively evaluated
for impairment			542				1,075				361				71				937				9				22				3,017
Loans receivable:
Balance - September 30, 2016		$	173,235			$	199,510			$	14,939			$	21,967			$	38,865			$	9,355			$	—			$	457,871
Individually evaluated
for impairment			4,010				3,843				—				153				1,247				—								9,253
Collectively evaluated
for impairment			169,225				195,667				14,939				21,814				37,618				9,355								448,618

Schedule of troubled debt restructurings

Three Months Ended June 30, 2017

Number of

Investment Before

Investment After

Loans

TDR Modification

TDR Modification

(Dollars in thousands)

One-to four-family residential

—

$

—

$

—

Commercial real estate

—

—

—

Construction

—

—

—

Home equity lines of credit

—

—

—

Commercial business

—

—

—

Other

—

—

—

Total

—

$

—

$

—

		Nine Months Ended June 30, 2017
		Number of				Investment Before				Investment After
		Loans				TDR Modification				TDR Modification
		(Dollars in thousands)
One-to four-family residential			1			$	182			$	182
Total			1			$	182			$	182

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