Consolidated Statements of Financial Condition (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash and cash equivalents:
Cash and collection items	$ 6,242	$ 7,982
Interest bearing deposits with banks	17,728	34,625
Total cash and cash equivalents	23,970	42,607
Interest bearing time deposits in banks	24,118	29,592
Investment securities, available for sale	70,828	53,325
Federal Home Loan Bank stock—at cost	457	375
Loans receivable, net of allowance at December 31, 2013 and 2012, of $12,711 and $15,676, respectively	371,149	337,328
Loans held for sale	4,205	4,435
Accrued interest receivable	1,473	1,501
Real estate owned - net	8,627	16,658
Office properties and equipment - net	18,769	20,634
Cash surrender value of life insurance	23,811	23,003
Prepaid expenses and other assets	1,465	937
TOTAL	548,872	530,395
Deposits:
Interest bearing	450,298	432,481
Noninterest bearing	19,427	22,570
Total deposits	469,725	455,051
Other borrowings	5,941	3,109
Advance payments by borrowers for taxes and insurance	605	676
Other liabilities	1,414	1,899
Total liabilities	477,685	460,735
STOCKHOLDERS’ EQUITY:
Common stock, $.01 par value—30,000,000 shares authorized; 20,041,497 and 19,302,603 shares issued and outstanding at December 31, 2013 and 2012, respectively	200	193
Additional paid-in capital	92,740	90,719
Accumulated other comprehensive income (loss)	(467)	763
Accumulated deficit	(21,286)	(22,015)
Total stockholders’ equity	71,187	69,660
TOTAL	$ 548,872	$ 530,395