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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Jun. 30, 2013
Jun. 30, 2012
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 3,327 $ 3,146
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,562 897
Depreciation and amortization 861 740
Amortization of premiums and accretion of discounts on securities, net 484 256
(Increase) decrease in trading account securities 1,285 (2,131)
Loans originated for sale (12,168) (5,231)
Proceeds on sales of loans 12,992 5,253
Net gain on sales of loans (414) (114)
Net realized and unrealized loss on foreclosed real estate 11 83
Net gain on sales of available for sale securities (1) (18)
Unrealized (gain) loss on derivative contract (6) 33
Gain on life insurance 0 (321)
Increase in cash surrender value of life insurance (289) (221)
Deferred income taxes 11 17
ESOP and stock compensation expense 870 494
Increase in accrued interest receivable (296) (436)
Decrease in accrued interest payable (50) (151)
Change in other assets and liabilities, net 138 1,072
Net Cash Provided By Operating Activities 8,317 3,368
CASH FLOWS FROM INVESTING ACTIVITIES    
Purchase of securities available for sale (45,882) (69,555)
Proceeds from sales of securities available for sale 801 518
Proceeds from maturities of securities available for sale 12,133 9,118
Proceeds from maturities of securities held to maturity 568 360
Principal collected on securities 15,215 16,912
Net increase in loans (17,066) (12,276)
Purchase of Federal Home Loan Bank stock 0 (1,000)
Investment in cash surrender value of life insurance (4,000) 0
Proceeds from life insurance 606 0
Proceeds from sale of foreclosed real estate 835 160
Investment in real estate development and construction (2,713) (4,112)
Purchase of premises and equipment (997) (321)
Net Cash Used In Investing Activities (40,500) (60,196)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits (9,851) 15,373
Net increase (decrease) in repurchase agreements 5 (15,076)
Increase in Federal Home Loan Bank line of credit 11,359 4,963
Proceeds from Federal Home Loan Bank advances 55,000 100,000
Repayment of Federal Home Loan Bank advances (43,056) (60,056)
Proceeds from other long-term debt 2,830 0
Net increase (decrease) in advance payments by borrowers for taxes and insurance (158) 76
Purchase of treasury stock (331) (172)
Dividends paid on preferred stock (129) (201)
Dividends paid on common stock (1,162) 0
Net Cash Provided By Financing Activities 14,507 44,907
Net Decrease in Cash and Cash Equivalents (17,676) (11,921)
Cash and cash equivalents at beginning of period 38,791 27,203
Cash and Cash Equivalents at End of Period $ 21,115 $ 15,282