Loans (Tables)

12 Months Ended

Dec. 31, 2016

Loans and Leases Receivable Disclosure [Abstract]

Schedule of net loans

	2016			2015
	(In Thousands)
Real estate loans:
Secured by one- to four-family residences		$188,573			$177,037
Secured by multi-family residences		5,103			5,146
Construction		6,134			1,251
Commercial real estate		8,440			3,522
Home equity lines of credit		16,797			14,523
Commercial & industrial		1,947			853
Other loans		75			61
Total Loans		227,069			202,393
Net deferred loan origination costs		113			248
Allowance for loan losses		(990	)		(811	)
Net Loans		$226,192			$201,830

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, 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
At December 31, 2015
Beginning Balance	$448	$29	$6	$14	$87	$1	$68	$653
Charge Offs	-	-	-	-	-	-	-	-
Recoveries	-	-	-	-	-	-	-	-
Provisions	76	10	-	21	14	10	27	158
Ending  Balance (1)	$524	$39	$6	$35	$101	$11	$95	$811

(1)All Loans are collectively evaluated for impairment.

Schedule of risk category of loans by class

	Pass		Special   Mention		Substandard		Doubtful		Total
2016	(In Thousands)
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
2015
One- to four-family residential	$	175,885		$  -	$	1,152		$  -	$	177,037
Multi-family residential		5,146		-		-		-		5,146
Construction		1,251		-		-		-		1,251
Commercial real estate		3,522		-		-		-		3,522
Home equity lines of credit		14,223		-		300		-		14,523
Commercial & industrial		853		-		-		-		853
Other loans		60		-		-		1		61
Total	$	200,940		$  -	$	1,452		$  1	$	202,393

Schedule of age of the loan delinquencies by type and by amount past due

	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable
	(In thousands)
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
2015
Real estate loans:
One- to four-family residential	$	118	$	-	$	63	$	181	$	176,856	$	177,037
Multi-family residential		-		-		-		-		5,146		5,146
Construction		-		-		-		-		1,251		1,251
Commercial		-		-		-		-		3,522		3,522
Home equity lines of credit		-		-		18		18		14,505		14,523
Commercial & industrial		-		-		-		-		853		853
Other loans		9		-		1		10		51		61
Total	$	127	$	-	$	82	$	209	$	202,184	$	202,393