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LOANS RECEIVABLE, NET (Tables)

12 Months Ended

Sep. 30, 2018

Loans Receivable, Net [Abstract]

Schedule of net Loans

Loans receivable are comprised of the following:

		September 30,				September 30,
		2018				2017
		(In thousands)
One-to four-family residential		$	185,287			$	178,336
Commercial real estate			219,347				207,118
Construction			30,412				22,622
Home equity lines of credit			17,982				18,536
Commercial business			53,320				41,113
Other			6,150				6,266
Total loans receivable			512,498				473,991
Net deferred loan costs			132				177
Allowance for loan losses			(4,200	)			(3,475	)
Total loans receivable, net		$	508,430			$	470,693

Schedule of impaired loans

The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods presented:

										Impaired Loans
		Impaired Loans with								with No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
At and for the year ended		Recorded				Related				Recorded				Recorded				Principal
September 30, 2018		Investment				Allowance				Investment				Investment				Balance
		(In thousands)
One-to four-family residential		$	—			$	—			$	1,132			$	1,132			$	1,132
Commercial real estate			—				—				3,961				3,961				3,961
Home equity lines of credit			—				—				58				58				58
Commercial business			—				—				710				710				801
Total impaired loans		$	—			$	—			$	5,861			$	5,861			$	5,952

										Impaired Loans
		Impaired Loans with								with No Specific
		Specific Allowance								Allowance				Total Impaired Loans
																		Unpaid
At and for the year ended		Recorded				Related				Recorded				Recorded				Principal
September 30, 2017		Investment				Allowance				Investment				Investment				Balance
		(In thousands)
One-to four-family residential		$	—			$	—			$	3,124			$	3,124			$	3,436
Commercial real estate			—				—				4,088				4,088				4,110
Commercial business			—				—				243				243				243
Total impaired loans		$	—			$	—			$	7,455			$	7,455			$	7,789

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

The following tables present the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system for the periods presented:

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(In  thousands)
September 30, 2018
One-to four-family residential		$	185,118			$	—			$	169			$	—			$	185,287
Commercial real estate			217,935				753				659				—				219,347
Construction			30,412				—				—				—				30,412
Home equity lines of credit			17,924				—				58				—				17,982
Commercial business			52,845				—				475				—				53,320
Other			6,150				—				—				—				6,150
Total		$	510,384			$	753			$	1,361			$	—			$	512,498

						Special
		Pass				Mention				Substandard				Doubtful				Total
		(In  thousands)
September 30, 2017
One-to four-family residential		$	176,285			$	127			$	1,924			$	—			$	178,336
Commercial real estate			204,435				—				2,683				—				207,118
Construction			20,194				—				2,428				—				22,622
Home equity lines of credit			18,536				—				—				—				18,536
Commercial business			40,820				293				—				—				41,113
Other			6,266				—				—				—				6,266
Total		$	466,536			$	420			$	7,035			$	—			$	473,991

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

The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans for the periods presented:

						30-59				60-89
						Days				Days				90 Days +				Total				Non-				Total
		Current				Past Due				Past Due				Past Due				Past Due				Accrual				Loans
		(In  thousands)
September 30, 2018
One-to four-family residential		$	185,132			$	17			$	—			$	138			$	155			$	138			$	185,287
Commercial real estate			218,892				—				—				455				455				455				219,347
Construction			30,412				—				—				—				—				—				30,412
Home equity lines of credit			17,892				—				—				90				90				90				17,982
Commercial business			52,845				252				—				223				475				223				53,320
Other			6,150				—				—				—				—				—				6,150
Total		$	511,323			$	269			$	—			$	906			$	1,175			$	906			$	512,498

						30-59				60-89
						Days				Days				90 Days +				Total				Non-				Total
		Current				Past Due				Past Due				Past Due				Past Due				Accrual				Loans
		(In  thousands)
September 30, 2017
One-to four-family residential		$	176,546			$	—			$	127			$	1,663			$	1,790			$	1,663			$	178,336
Commercial real estate			206,218				418				—				482				900				482				207,118
Construction			22,622				—				—				—				—				—				22,622
Home equity lines of credit			18,344				—				192				—				192				—				18,536
Commercial business			40,420				400				80				213				693				213				41,113
Other			6,266				—				—				—				—				—				6,266
Total		$	470,416			$	818			$	399			$	2,358			$	3,575			$	2,358			$	473,991

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

The following tables summarize the activity in the allowance for loan losses by loan category for the years ended September 30, 2018 and 2017:

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(In  thousands)
Balance-September 30, 2017		$	587			$	1,277			$	490			$	57			$	956			$	6			$	102			$	3,475
Charge-offs			(213	)			—				—				—				(170	)			(3	)			—				(386	)
Recoveries			87				23				3				—				1				—				—				114
Provision			226				240				—				52				364				22				93				997
Balance-September 30, 2018		$	687			$	1,540			$	493			$	109			$	1,151			$	25			$	195			$	4,200

		One-to Four-												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(In  thousands)
Balance-September 30, 2016		$	542			$	1,075			$	361			$	71			$	976			$	9			$	22			$	3,056
Charge-offs			(295	)			(23	)			—				—				(672	)			—				—				(990	)
Recoveries			36				—				12				14				4				—				—				66
Provision			304				225				117				(28	)			648				(3	)			80				1,343
Balance-September 30, 2017		$	587			$	1,277			$	490			$	57			$	956			$	6			$	102			$	3,475

The following tables summarize 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 September 30, 2018 and September 30, 2017:

		One-to-Four												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(In  thousands)
Allowance for Loan Losses:
Balance - September 30, 2018		$	687			$	1,540			$	493			$	109			$	1,151			$	25			$	195			$	4,200
Individually evaluated
for impairment			—				—				—				—				—				—				—				—
Collectively evaluated
for impairment			687				1,540				493				109				1,151				25				195				4,200
Loans receivable:
Balance - September 30, 2018		$	185,287			$	219,347			$	30,412			$	17,982			$	53,320			$	6,150			$	—			$	512,498
Individually evaluated
for impairment			1,132				3,961				—				58				710				—				—				5,861
Collectively evaluated
for impairment			184,155				215,386				30,412				17,924				52,610				6,150				—				506,637

		One-to- Four												Home Equity
		Family				Commercial								Lines of				Commercial
		Residential				Real Estate				Construction				Credit				Business				Other				Unallocated				Total
		(In  thousands)
Allowance for Loan Losses:
Balance - September 30, 2017		$	587			$	1,277			$	490			$	57			$	956			$	6			$	102			$	3,475
Individually evaluated
for impairment			—				—				—				—				—				—				—				—
Collectively evaluated
for impairment			587				1,277				490				57				956				6				102				3,475
Loans receivable:
Balance - September 30, 2017		$	178,336			$	207,118			$	22,622			$	18,536			$	41,113			$	6,266			$	—			$	473,991
Individually evaluated
for impairment			3,124				4,088				—				—				243				—				—				7,455
Collectively evaluated
for impairment			175,212				203,030				22,622				18,536				40,870				6,266				—				466,536

Schedule of troubled debt restructurings

There was one TDR during the year ended September 30, 2017, and there were no TDRs during the year ended September 30, 2018. The following table summarizes the TDRs during the year ended September 30, 2017:

		Year Ended September 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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- Definition

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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