Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS:
Cash and due from banks	$ 1,285	$ 1,550
Interest earning demand deposits	3,545	4,597
Total cash and cash equivalents	4,830	6,147
Available-for-sale securities, at fair value	17,652	19,968
Held-to-maturity securities, at amortized cost (fair value of $6,489 and $13,222, respectively)	6,369	12,979
Investment in Federal Home Loan Bank stock, at cost	2,480	2,388
Loans held for sale	5,602	3,880
Loans	214,477	202,641
Less: Allowance for loan losses	(945)	(811)
Loans receivable, net	213,532	201,830
Bank owned life insurance	3,679	3,629
Accrued interest receivable	642	655
Premises and equipment, net	3,077	2,744
Other assets	1,860	1,587
Total assets	259,723	255,807
Deposits:
Non-interest bearing	7,305	6,974
Interest bearing	171,223	178,587
Total deposits	178,528	185,561
Short-term borrowings	4,000
Long-term borrowings	43,780	46,092
Official bank checks	495	1,114
Other liabilities	1,465	1,280
Total liabilities	228,268	234,047
Stockholders' equity:
Preferred stock - par value $0.01 and no par value; 25,000,000 and 1,000,000 shares authorized, no shares issued and outstanding
Common stock, par value $0.01 and $0.10; 50,000,000 and 10,000,000 authorized shares; 1,941,688 and 1,785,000 shares issued and 1,941,688 and 1,779,472 shares outstanding	19	179
Paid-in capital	16,349	7,239
Retained earnings	15,424	14,985
Accumulated other comprehensive income (loss)	22	(212)
Treasury stock at cost, 2016-0 shares, 2015- 5,528 shares		(46)
Unearned ESOP shares, at cost	(359)	(385)
Total stockholders' equity	31,455	21,760
Total liabilities and stockholders' equity	$ 259,723	$ 255,807