Loans and The Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Loans and Leases Receivable Disclosure [Abstract]

Schedule of net loans

	2017			2016
	(In Thousands)
Real estate loans:
Secured by one- to four-family residences	$	206,894		$	188,573
Secured by multi-family residences		10,650			5,103
Construction		10,750			6,134
Commercial real estate		14,803			8,440
Home equity lines of credit		17,127			16,797
Commercial & industrial		3,679			1,947
Other loans		70			75
Total Loans		263,973			227,069
Net deferred loan origination (fees) costs		(1	)		113
Allowance for loan losses		(1,261	)		(990	)
Net Loans	$	262,711		$	226,192

Schedule of loan portfolio of portfolio segments and classes

Portfolio Segment	Class
Real Estate Loans	Secured by one-to-four family residences
	Secured by multi-family residences
	Construction Commercial real estate Home equity lines of credit
Other Loans	Commercial & industrial
	Other loans

Schedule of changes in the allowance for loan losses

	Secured by 1-4  family residential		Secured by multi- family residential			Construction		Commercial		Home  Equity  Lines of  Credit			Commercial  & Industrial		Other/  Unallocated			Total
	(In Thousands)
At December 31, 2017
Beginning Balance	$	584	$	38		$	31	$	84	$	112		$	28	$	113		$	990
Charge Offs		-		-			-		-		-			-		-			-
Recoveries		-		-			-		-		-			-		-			-
Provisions		232		42			23		64		(5	)		19		(104	)		271
Ending Balance (1)	$	816	$	80		$	54	$	148	$	107		$	47	$	9		$	1,261
At December 31, 2016
Beginning Balance	$	524	$	39		$	6	$	35	$	101		$	11	$	95		$	811
Charge Offs		-		-			-		-		-			-		(1	)		(1	)
Recoveries		-		-			-		-		-			-		-			-
Provisions		60		(1	)		25		49		11			17		19			180
Ending  Balance (1)	$	584	$	38		$	31	$	84	$	112		$	28	$	113		$	990

(1)All Loans are collectively evaluated for impairment.

Schedule of risk category of loans by class

	Pass		Special  Mention		Substandard		Doubtful		Total
	(In Thousands)
2017
One- to four-family residential	$	203,815	$	116	$	2,963	$	-	$	206,894
Multi-family residential		10,650		-		-		-		10,650
Construction		10,750		-		-		-		10,750
Commercial real estate		14,803		-		-		-		14,803
Home equity lines of credit		16,897		-		230		-		17,127
Commercial & industrial		3,679		-		-		-		3,679
Other loans		70		-		-		-		70
Total	$	260,664	$	116	$	3,193	$	-	$	263,973
2016
One- to four-family residential	$	187,079	$	-	$	1,494	$	-	$	188,573
Multi-family residential		5,103		-		-		-		5,103
Construction		6,134		-		-		-		6,134
Commercial real estate		8,440		-		-		-		8,440
Home equity lines of credit		16,498		-		299		-		16,797
Commercial & industrial		1,900		-		47		-		1,947
Other loans		75		-		-		-		75
Total	$	225,229	$	-	$	1,840	$	-	$	227,069

Schedule of age analysis of past due loans, segregated by portfolio segment and class of loans

	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable
	(In thousands)
2017
Real estate loans:
One- to four-family residential	$	699	$	-	$	153	$	852	$	206,042	$	206,894
Multi-family residential		-		-		-		-		10,650		10,650
Construction		-		-		-		-		10,750		10,750
Commercial		-		-		-		-		14,803		14,803
Home equity lines of credit		-		-		-		-		17,127		17,127
Commercial & industrial		-		-		-		-		3,679		3,679
Other loans		-		-		-		-		70		70
Total	$	699	$	-	$	153	$	852	$	263,121	$	263,973
2016
Real estate loans:
One- to four-family residential	$	89	$	-	$	-	$	89	$	188,484	$	188,573
Multi-family residential		-		-		-		-		5,103		5,103
Construction		-		-		-		-		6,134		6,134
Commercial		-		-		-		-		8,440		8,440
Home equity lines of credit		-		-		-		-		16,797		16,797
Commercial & industrial		47		-		-		47		1,900		1,947
Other loans		-		-		-		-		75		75
Total	$	136	$	-	$	-	$	136	$	226,933	$	227,069