Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents, including interest-bearing accounts, 2015, $8,835; 2014, $7,411	$ 12,982	$ 14,373
Certificates of deposit, at cost	3,691	4,181
Federal funds sold	8,000	2,000
Securities available for sale	32,636	34,177
Federal Home Loan Bank stock, at cost	2,093	2,079
Loans held for sale	2,746	1,707
Loans receivable, net of allowance for loan loss of $2,252 in 2015; $2,158 in 2014;	178,782	182,050
Accrued interest receivable	804	834
Premises and equipment, net	3,123	3,172
Mortgage servicing rights, net	1,863	1,886
Foreclosed real estate	3,538	3,656
Other assets	1,351	1,711
Total assets	251,609	251,826
Liabilities
Deposits	219,829	221,972
Advances from borrowers for taxes and insurance	3,851	2,630
Accrued interest payable	37	17
Accrued expenses and other liabilities	803	588
Total liabilities	$ 224,520	$ 225,207
Commitments, Contingencies and Credit Risk
Mezzanine Equity
Redeemable common stock held by ESOP, $0.10 par value, 95,602 shares issued and outstanding	$ 2,533	$ 2,533
Stockholders' Equity
Preferred stock, no par value; 500,000 shares authorized; none Outstanding
Common stock, $0.10 par value; 7,000,000 shares authorized; 2,091,898 shares issued	$ 209	$ 209
Additional paid-in capital	17,113	17,110
Retained earnings, substantially restricted	35,911	35,552
Accumulated other comprehensive income	216	93
Treasury stock, 2015, 1,445,804 shares; 2014, 1,445,248 shares	(28,893)	(28,878)
Total stockholders' equity	24,556	24,086
Total liabilities, mezzanine equity and stockholders' equity	$ 251,609	$ 251,826